AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX XXXX, XXXX I was contacted through the mail by Aldridge Pite LLP, who claim to be attempting to collect an alleged debt for XXXX XXXX XXXX. Upon receiving the letter from Aldridge Pite, I began to draft my response pursuant to 1692 ( g ), and before I could enter my dispute I received a Notice of Pending Foreclosure Sale on XXXX XXXX, XXXX. On XXXX XXXX, XXXX Aldridge Pite received a Consumer Notice of Dispute of Debt in pleading form pursuant 15 USC sec.1692g, and though there were some apparent errors in the notice, the demand was very clear. Aldridge Pite LLP 's response was lacking verification and validation of any facts, as submitted in letter received XXXX XXXX, XXXX. At that time I saw that XXXX XXXX was indeed a debt collector as defined by 15USC sec.1692 ( a ) ( 6 ), and then filed Notice of Insufficient Response on XXXX XXXX, XXXX. The Notice sited errors in accounting of alleged debt by proof of Aldridge Pite 's own submission, demanded verification and validation, and ordered a CEASE AND DESIST. After XXXX XXXX 's receipt of such Noitce, I received through the mail a Cancellation of Foreclosure Sale on XXXX XXXX, XXXX. However, on XXXX XXXX, XXXX, I received another Notice of Pending Foreclosure Sale identically styled as the previous Notice of Pending Foreclosure Sale absent of any acknowledgement of dispute or verification and validation. My response to Aldridge Pite, was to make Notice of Violations Pursuant to 15 USC sec.1692 on XXXX XXXX, XXXX. Aldridge Pite responded saying, " we believe our response was sufficient to satisfy and verification obligation we may have under the FDCPA '', they also referenced to letter dated XXXX XXXX, XXXX. The inoperative word that XXXX XXXX used, " believe '', is neither verification nor validation as defined by law which lead me to draft a FINAL NOTICE on XXXX XXXX, XXXX siting a Summary of Facts and Violations pursuant the FDCPA XXXX XXXX sec.1692. Aldridge Pite 's response to such filing was to send a letter dated XXXX XXXX, XXXX styled, Cancellation of Foreclosure Sale. Then on XXXX XXXX, XXXX, Aldridge Pite LLP, gave Notice of Pending Foreclosure Sale, once again without any compliance to Federal Law pursuant to the FDCPA 15 USC sec.1692. Because of financial downfall, my response will be through a type of amendment to Final Notice, however I do intend to move for District Court of Georgia to ratify my PRIVATE RIGHT OF ACTION claim. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 'm XXXX years old and used a website For the first time ever using credit karma to check my credit. Upon looking through the whole website I realized under collections, I owed!! What? I 've never owed anything and always paid all bills. I noticed it was a " Sportmans Guide '' under XXXX ( which is the worst credit rating and have horrible accuracy and will make even the most responsible person still look bad with a horrible report ) The debt collector was JNR Adjustment Company. Says I owed a balance of XXXX. I 've never once ordered or purchased anything like this.my father and I have the same name and I thought possibly it was confusing him and I. This does n't add up and I 'm XXXX % sure this is WRONG AND A MISUNDERSTANDING. I 'm young and have no one to help me through life so I am relying on myself and my credit to help me through life. Realizing I owe and this is stuck on my credit report is absolutely an incovenience and effects my future life drastically. This needs to be fixed immediately ... 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I owed a debt to an original credit grantor, ( XXXX/Dillards ) some how ( XXXX ) XXXX XXXX XXXX was brought in to collect the debt, we ( XXXX and I ) spoke via phone and U.S. mail, after speaking with them on the phone I advised a Division manager that I had received a letter offering me a settlement of the debt, the total was {$170.00} he asked if I could pay the debt I then advised him that I could and we excepted the terms and I paid the debt with my bank debit card, I received a notice of receipt and payment, I also created an account on their web site to monitor the payment and I downloaded and printed a copy for my records, on or about XXXX XXXX I sent a certified letter to two division mgrs. at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX requesting that he or they the company contact the credit bureaus and remove the debt from my credit file since I had complied with their request to pay the debt, I have yet to hear back from one mgr., I have received a letter from the other dated ( XXXX ) stating that I have no further financial obligation regarding my XXXX account with no mention of the XXXX account or that he had contacted them advising them that the debt had been paid and or requesting them to remove their notice of the debt from my credit file as I had requested that they both to do. 

Company response: Company chooses not to provide a public response
Consumer complaint: After checking my credit reports I saw that my credit scores had dropped and saw that I had XXXX collection accounts ( from XXXX and XXXX, PA ) that were added. I had never heard from this company before, never got anything mail or phone calls from this company before it was placed on my credit reports. So I sent them a request to validate the alleged accounts ( on XXXX/XXXX/2015 by fax to XXXX ) but never heard back from them within the 30 days required by the LAW. So on XXXX XXXX, 2015 I sent them another requesting that they delete the accounts from my credit reports since they did n't respond within the 30 days as the law required. As of today they continue to report these accounts on my credit reports. I 've contact the original creditor who is listed on my credit reports and they did n't have any information about the XXXX alleged accounts. They continue to report these alleged accounts to the CRA 's in violation of the FCRA, FCBA because I was never sent any notices before they reported these alleged accounts on my Credit Reports. These accounts have been deleted from my credit reports and keep getting sold to other companies after its removed from my credit reports. The alleged account is in violation of Pursuant to XXXX. FOUR-YEAR LIMITATIONS PERIOD. These accounts were deleted and continue to be resold and placed back on my credit reports ( the companies that had the accounts that were deleted, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ). I sent the collection company a letter to validate the alleged debt and never heard back from them but continue to report that it belongs to me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I attempted to get my Transunion, XXXX, and XXXX credit scores. I logged into what I thought was the Transunion site with the understanding that I am entitled to XXXX free report per year from those XXXX entities per federal law. The website asked me for credit card information, which I thought I was providing so it could locate my accounts. It charged me {$1.00}, without taking me through a checkout page. 

When I arrived on the page that supposedly described my credit score, the information was all wrong. It said I owed over XXXX dollars. I owe, at most at any given time, XXXX on credit cards. Additionally, it listed me as having XXXX active accounts. This is also untrue, I would estimate that I have XXXX active accounts, not including my XXXX XXXX monthly bill. It also said XXXX of my accounts is delinquent. This is also false, I am paid up on ALL of my credit cards, and I always pay timely. I had XXXX dispute over a year ago with XXXX XXXX when they stopped sending me my bill for a couple months, and I had to call them three times to get my bill sent so I could pay it. I reported them to the CFPB as well. 

Additionally, once I got on the page of the so called Transunion site that had my supposed score, it had a new heading with some company called " XXXX ''. I never intended to give this company my credit card information. 

The Transunion site does not list my employer whom I have been working for these past two and a half years. It lists me as self employed. It also lists me as having a {$1600.00} balance with something called " XXXX XXXX ''. I have never heard of this entity, I have never been contacted by it, and I do not owe that money. I never signed anything with such an organization or made any agreement. I want this debt removed from my credit report and the rest of my information corrected. 

I then attempted to get my XXXX report and the website told me I had already pulled my XXXX report in the past year, which is untrue and raises identity theft concerns. Moreover, it then told me I could get it for {$12.00} ( Illegal under federal law as I have not pulled that credit report since 2012 ) and prompted me to a commercial website, XXXX. 

Finally, I am listed on the Transunion site as having a XXXX- credit score, in the low XXXX by their system. This just seems improbable. I pay all my debts on time, I have no student loans, I have a steady career where I make {$42000.00} per year, I pay my rent on time, I have never been taken into collections nor have I ever been sued on a debt. This number is bogus and unfair. I want my credit score to reflect that I pay my bills on time and I pay them off. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was attempting to access my free credit report via annualcreditreport.com and requested it from XXXX XXXX, Experian, and XXXX. When the website prompts asked for my personal information, it came to a questionnaire about existing loans, accounts, etc. A few of these questions were about a home loan, auto loan, and jeweler 's account that I have never opened. Since I was unable to answer questions about what organizations held these accounts I could not access my report. These questions indicate that it is likely someone has access to my personal information, including my social security number. Because of my concern for this, I need immediate access to my credit report to gather more information and potentially file a claim. I am asking XXXX XXXX, Experian, and XXXX to send me my credit report, preferably online, immediately. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The end of XXXX XXXX I disputed XXXX information on my credit report with United States Court District record to justify my claim. Experian sent me a Credit report with the explanation that it could not use United States District Court documents to change or delete you requested.???? If I have United States Court District documents how is it I can not use them to prove that XXXX account that they are referring to was transferred to XXXX. That they have not been associated with this account since XXXX XXXX. That I have never had an individual account with them, that I have never applied with an account with them and I have never been associated with their former company name XXXX XXXX. How is it that this company has more authority than United States Courts? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I applied for a bar study loan with Sallie Mae, the representative ran my credit report and stated that I qualified based on the information in my credit file however because I did n't have a job offer yet, he could not approve me. I have a non-traditional name and I believe that the representative knew that I was not XXXX based on my name and used that to discriminate against me. I know several people who have been approved for the same loan who did not have a job lined up at the time of their approval. I attended XXXX University in XXXX XXXX, Iowa. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Once I made an offer on a house and started the home buying process on or about XXXX XXXX 2015, with a projected closing date of XXXX XXXX 2015, it has been a steady dose of the highest level of incompetence from a major corporation that is Wells Fargo. Granted the house is a manufactured home, and I am a first time home buyer using my VA home loan benefit. We did n't make the XXXX XXXX date as the bank found a typo on the title paperwork and without notice, extended the closing date out until the XXXX of XXXX. I was n't notified and found out later from my realtor, who got the typo fixed in just a few days. As the XXXX approached, the bank came up with some other excuse and it was again delayed, with no future date established. 
Wells Fargo throughout this process has requested documents which have been provided in a timely matter. One example is the water test submitted on XXXX XXXX, on XXXX XXXX we are told by the bank that it must be retaken. At some point in XXXX, Wells Fargo mentioned that they would need to have an engineer inspect an addition built on the home, and that they would take care of that. Yesterday, XXXX XXXX we are told that the inspection still needs to be performed. 
These are only XXXX examples of how weeks after the original closing date had come and gone, and being told several times that we are just waiting on this form, only to have them request something more. They continue to blame the VA for having strict requirements, which I know is a fact. However, once several weeks, or even literally MONTHS into the process, the VA did n't invent new requirements. 
Once the original closing of XXXX XXXX was blown by Wells Fargo, I see no reason why they were unable to look at the entire package, and determine what was still missing. 
More than 2 months after starting this, I was asked to provide documentation on asmall monthly deposit into a checking account that had been there from day one. Why after 2 months are they only now asking for it? 
These are only a couple of examples of how this has continued from day XXXX. Another example is documentation on what I pay ion child support. I submitted requested documents on XXXX XXXX, and on the XXXX of XXXX, the bank tells me it 's not enough, and they are now asking for more information after more than a month has passed, and XXXX closing dated have come and gone. 
At this point I have no reason to believe that I will close on this even after 3 months have passed. 
I was pre-approved, have excellent credit, VA qualified, bank with Wells Fargo, permant employment, have a down payment and have been told multiple times throughout this process that we are real close, only to have the finish line moved out again and again. 

Company response: Company chooses not to provide a public response
Consumer complaint: This dispute is being written in response to in-accurate crediting reporting on behalf of XXXX, Account XXXX I have been trying in vain to get this company to confirm that this is indeed a valid debt by way of sending me documentation indicating paper work I signed agreeing to open this account, statements and any other documents verifying the validity of this account. I have reached out to this company by letter, phone calls and fax continually over the course of the last year. When disputing the information through " XXXX '' " XXXX '' and " Transunion '' XXXX Is indicating that the reporting is accurate however please note the credit report I have attached which states otherwise. " XXXX '' is indicating this is a closed account however " Transunion '' and " XXXX '' are indicating the account is a charge off which is affecting my credit rating. I would like Transunion to change the reporting status of the account from " charge off '' to a " closed '' status which a representative from XXXX indicated would be done during a phone call on XXXX/XXXX/2015. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: After an Emergency Exemption Hearing on XXXX XXXX, 2016, plaintiff attorney XXXX XXXX XXXX of XXXX asked to meet with my wife and I in the hallway. When we asked the questions, " Why did we not know about the lawsuit? '' and " Why does n't your office return phone calls? '' XXXX XXXX got very defensive and told my wife XXXX XXXX XXXX, " I know what you do for living. I can have you arrested for calling my office. '' XXXX went on to ask about all of the complaints filed against them from the XXXX Office, to which XXXX XXXX stated, " I 'm licensed in XXXX states. You have no idea how powerful I am, I know people and I know where you live. You better be watching over your shoulder. I WILL hurt you, and destroy your business ''. XXXX reached in her bag for her phone, and he tried to take it out of her hand. When she turned to avoid his grab, XXXX XXXX tried to grab a folder out of my wife 's hand, which contained the complaints. She backed up and told him not to touch her or her things. So, he grabbed her wrist and said, " Let me see what 's in the folder. '' XXXX pulled away from him, visibly shaken, and said to XXXX XXXX, " We 'll see you in court. '' We immediately filed a police report with the XXXX XXXX XXXX XXXX XXXX. XXXX # : DP XXXX. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: BAC loan was signed to rescind BAC stole over {$150000.00}. 
BAC they broke a dozen Laws ( to me ) 

Company response: Company chooses not to provide a public response
Consumer complaint: Please read carefully!!!! 


This is the second time I have contacted the CPFB. Previously I contacted you regarding an inaccurate lien on my credit report from XXXX of the credit bureaus. Your help successfully got XXXX of the bureaus to remove the information. Experian did not comply and I need your help. 


The state of ohio misapplied a tax lien with the XXXX XXXX clerk of courts. 

The lien was applied due to a clerical error by the state. No money was actually owed. This was not a real debt. 

The amount due was zeroed out by the state once I became aware of the item on my credit report and contacted the state. 

No money exchanged hands as no money was actually due. 

Let me repeat. This was not a true debt. No money exchanged hands. 

A lien cancellation letter was sent to my home. I took the letter and filed it with the XXXX XXXX Ohio XXXX XXXX XXXX. 

I have attached a copy of said letter to this complaint. 

I have contacted all XXXX credit bureaus to dispute the item and have it deleted. XXXX and XXXX complied, and Experian did not. 

I have actually filed disputes with experian and they all turn up the same. They claim the report is accurate per their investigation. 

I need your help getting Experian to remove the State Tax Lien that was filed with the XXXX XXXX XXXX XXXX XXXX. 

The state cleared up its clerical error. See attached letter. 

The clerk accepted the state 's paperwork but experian refuses to comply. 

I have no way of getting the lien removed. This was not a debt and should not be on my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: I spoke with a representative at Maury Cobb : XXXX on XXXX/XXXX/2016 at approximately XXXX CST. I asked repeatedly if he had access to the final bill from XXXX, and he refused to answer me. He said the debt was about to be transferred, so " Why should I give you that when it 's about to be transferred out? '' I asked him repeatedly if he had access to the final bill, and he refused to answer yes or no. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I cancelled my Bank of America debit card to stop automatic debits on my account. The vendor in particular was XXXX. After a few months the debit reoccurred on my new card account without my permission. I did not authorize Bank of America to furnish this new account information to this company. I did not provide the information to the company. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a fraud alert and freeze on XXXX credit reports. I will like to know if Experian is giving my personal information and using inquiries for bank and product servicest to a third party without my consent to fraud. 

Company response: Company chooses not to provide a public response
Consumer complaint: My home loan was modified effective XXXX XXXX, XXXX while XXXX XXXX XXXX ( XXXX ) was servicing the loan. The new terms of the loan were : interest only payments at 5.25 % with a loan balance of {$280000.00}. There was no provision for escrow payments. The loan was transferred to Resurgent Mortgage on XXXX XXXX, XXXX and a few months later to Shellpoint Mortgage Servicing Company. When the loan was initially transferred to XXXX, the monthly payment amount was listed at {$2400.00}. I called and wrote to Resurgent to explain to them that their records from XXXX were incorrect. After nearly four months, Shellpoint replied and allegedly sent a loan history on XXXX XXXX, XXXX, but none was enclosed. My IRS form XXXX for year XXXX arrived in XXXX and the figures were obviously incorrect, showing approximately {$43000.00} paid in interest ( twelve payments of $ XXXX/month does not equate ). On XXXX XXXX, XXXX I wrote to Shellpoint -- via certified letter -- asking to correct XXXX and XXXX interest paid that was reported to IRS. XXXX did not reply. On XXXX XXXX, XXXX I sent another certified letter asking to correct the interest paid for XXXX and XXXX. During these times, I constantly called Shellpoint, only to leave messages that were not returned, by either letter or phone call. Finally, in XXXX, I actually was able to talk to XXXX at Shellpoint ; she said that I could not obtain any loan information because I was represented by an attorney and needed his permission. She advised that once I got " approval '' from my attorney, the loan documents would be dispatched. XXXX XXXX XXXX, XXXX. XXXX my attorney ) emailed XXXX on XXXX XXXX, XXXX stating that Shellpoint could provide any information I requested. I emailed/followed up on XXXX XXXX, XXXX with XXXX, again asking for this information. To date, I have not received a loan history. In the interim, Shellpoint shows my account with legal fees, late charges, miscellaneous fees, unapplied payments, etc. on their web site. There is no substantiation for such charges. I was told by XXXX that the official mailing address for payments was changing ; I requested this information via official letter, however, I have not received any notice as of this filing. Further, Shellpoint is not reporting my current loan status to the credit reporting. agencies. Recently, Shellpoint sent a revised IRS form XXXX for XXXX. Based on this revision, Shellpoint is clearly able to provide an accurate loan balance. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: BarclayUS has a cutoff time for XXXX for the mininmum amount due time. In the past 6 months they charged me late fees of {$25.00}, for the simple reason that I might get stuck in traffic. I am paid by my employer daily, I make XXXX an hour and i have no way to make the payment in the morning or before, my money being very tightly budgeted. 
This bank rips me off. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response