AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX : XXXX XXXX XXXX XXXX Choice Recovery XXXX XXXX XXXX XXXX 

THIS notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 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 COLUMBUS XXXX INC./and CHOICE RECOVERY INC. : Account 2 ) # XXXX - XXXX. XXXX XXXX, XXXX XXXX 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 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 five 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 believes the complaint is the result of a misunderstanding
Consumer complaint: account was paid off on XXXX/XXXX/15. Confirmation # XXXX. Need to delete this from my all XXXX of the credit reports. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I have contacted both the creditor and the credit bureau TransUnion about an account that was opened through identity theft but neither will help me clear this matter up.The TransUnion dispute results came back as " meets FCRA requirements '' Which I do n't understand because I did n't open this account. I had my identity stolen. The other fraudulent accounts opened we 're removed. 

The account was sold to : XXXXXXXX XXXX, MIXXXX ( XXXX ) XXXXOriginal creditor is : XXXX balance XXXX and account opened XXXX XXXX, 2011. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX I received a letter from the law firm of John Bonewicz for demand of a XXXX account that I never opened. 
I wrote them a letter explaining that this debt was not mine and requested verification of the debt and more information about the account in which I never received. 
XX/XX/XXXX I started receiving harassing phone calls from this debt collector on my cell phone ( which to this day I have no idea how they got that number for I never gave it to them ). 
On XX/XX/XXXX I received a letter ( notice to cure ) from the law office of John C. Bonewicz stating that I failed to make the agreed payments and was in default. First off, I never agreed to anything or entered into any type of contract with the law office of John C. Bonewicz or their client XXXX XXXX or the cited original creditor of XXXX. Secondly their citing the date of the last payment was about 4 1/2 years ago and I have never paid anything on this debt. They sent me XXXX different letters XXXX demanding a payment of {$4600.00} and another letter demanding payment of {$1500.00} ( XXXX letters arrived on the same day ). 
I am on XXXX and food stamps and own nothing so even if these debts were mine ( which their not ) I could never come up with that kind of money. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo let an online card take money from my card without my permission. 
that is an insult to the customer. 
i want my XXXX dollars back. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is for a phone bill that I do n't believe I owe. When I first received notice I wrote them and asked what it was for and proof that I owed it. I received no response. I am unable to find my original letter that I sent. However if whoever this is that is damaging my credit report can prove that this is legitimate bill I would gladly pay it. I would like this damaging information off of my credit report. 
Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: Green Tree servicing, My complaint is on Green Tree servicing, on behalf of my mortgage modification. It all started in XXXX 2014 when XXXX XXXX XXXX sold my mortgage servicing to Green Tree Servicing. Since XXXX I have been trying to modify my mortgage with Green Tree and have not had any success. I gave them the proper documents for proof of income and bank statements that they required and months later found out that I do n't qualify and they denied my modification. When I received the denial letter they stated do to the income my wife and I make we do not qualify. They also fabricated my home value stating my home was worth {$230000.00} when I owe {$220000.00} clearly showing I have equity. This is false because In XXXX 2014 when they took over from XXXX XXXX XXXX, XXXX mailed me there appraisal on my home stating that my home was worth {$160000.00}, so how in XXXX can my home go up in value that much. Their other fabricated lie was the amount my taxes was for the year that get escrowed. They stated my property taxes alone was over {$5000.00} a year when my taxes the past few years has only been around {$2500.00}. So when they add these ridiculous figures making it unreasonable to have a payment within their requirements. They gave us XXXX days to appeal there denial and I did and also presented proof of these fabricated figures to present my case. It is now going XXXX days since my appeal and still have n't gotten an answer and since then I have a trial date with them to attend court for a foreclosure. There is people and families making less than my wife and I are and getting mortgages and modifications. To give you an example we are making in the bracket of $ XXXX {$100.00}, XXXX a year. There is also no debt other than a car payment and regular house expenses we can clearly afford a mortgage payment. When we first fell behind a few years ago yes we were n't making what we are and we were struggling. My wife has since finished school and has a good steady job and I have since switched jobs as well with a more stable company and we are with our new jobs for over XXXX. It seems that Green Tree is another bank not willing to help families stay in their homes all they do is lie and find a way to turn everyone down. It 's a shame that our government lets these banks operate like this and steal people 's homes that they worked hard for. My wife and I built this home over XXXX yrs. ago and made our home our family home while raising our children and would like to continue doing so. All I want is a solid real modification and a chance to keep our family home. All I get when I review these mortgage companies negative feedback same story it 's a shame. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I noticed a late payment mark on my credit report for the month of XXXX 2014 for a payment to XXXX XXXX. I make all my payments on time, as my history will indicate. I believe that somehow my payment did not go through and a glitch caused the nonpayment. My next monthly payment did go through on XXXX XXXX, but it looks like the payment scheduled for XXXX XXXX was already reported as nonpayment. Even if it was an error, i would have expected a courtesy call from my bank, given my long and good history with them, which i did not receive. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am having issues with Experian. I am trying to get a hold of them because I have an identity theft issue that I have been dealing with. Around XX/XX/XXXX or so I sent in a copy of my identity theft police report due to my personal information being used to open up fraudulent accounts in my name. I found on my report a fraudulent account that was established with XXXX XXXX XXXX XXXX, and XXXX XXXX Account # XXXX. I have tried to get through on the automated system to speak to someone and I have not been able to get a hold of someone but it tells me my report number is not valid. I tried to communicate with them through the online upload portal and the site is giving me a mail in form. I need to get these XXXX accounts removed from my credit report as soon as possible. 

Company response: Company chooses not to provide a public response
Consumer complaint: I do n't know if I have the right email address but I would like to file a compliant on Bank of America Mortgage practices. I was in the process of selling my home and XXXX liens were placed against my house from previous loan modifications. We were ready to move forward with closing and we received a letter from Bank of America stating they are going to forgive a subordinate note in the amount of {$52000.00}. After further research I found out this forgiveness was part of Bank of America 's terms of settlement with the justice department over mortgage fraud allegations. My problem is that I contacted Bank of America to receive a letter stating they were going to release the lien on the property with this forgiveness letter that I received. However, when I contacted the Bank for the letter to release the lien, I was told that the process will take anywhere from XXXX months for the lien to be released. They said that this is because the justice department takes so long to process the request and they have no control over this process. So here I am as a consumer for the bank, ready to close on my property and I ca n't take part in this forgiveness because I do n't have a clear title. I would have to wait XXXX months to be able to relist my house and then find a new seller to purchase my house. I would lose my buyer because of the XXXX month delay. 

I feel that Bank of America is taking advantage of the situation they have with the Justice department and not providing the relief to the consumer which is the primary purpose of the fine. Bank of America did n't send this forgiveness letter until I inquired about paying off the property. If I close on the house, I lose the ability to take part in the program. I feel that the XXXX month window to release a lien is unrealistic and down right unfair to the consumer. I have asked to speak with a supervisor multiple times and left XXXX voicemail 's with the supervisor to discuss my issue. 

I am put in a difficult situation in which I can either move forward with selling my home, paying the subordinate note in full and losing the opportunity to take part in the program. I am furious with the customer service, the response time and overall experience with Bank of America. 

Thank you for the time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a Citibank Credit card that offers a price rewind guarantee in which if you purchase a product with the credit card and register it on their website it will track the product to see if there is a lower price. A lower price was found on XXXX of my items and I received a notification email to click this link to request the refund, however when you click on the link there is nowhere to request the refund. I have called multiple times and both times the citibank call agent said they would email me the form to fill out to complete the request within XXXX hours and i still have not received the notification. 

There are XXXX items, XXXX is a TV I purchased and was notified of a {$150.00} refund available and next was a gaming console in which i was notified of a {$49.00} refund available. This price rewind service appears to be a fraud as there is no way to collect the stated refund on the purchase price. 

Company response: Company chooses not to provide a public response
Consumer complaint: A company identifying themselves as XXXX XXXX XXXX has been contacting my family members, including the cell phone of my XXXX year old daughter, either speaking to them in person or leaving messages, sometimes as many as XXXX a day to locate me regarding a 'bank issue '. They have provided my family members an account number and told them they will be filing proceedings against me with XXXX XXXX XXXX. The phone number they provide is XXXX. When calling this number back you are sent straight to a recording telling you to enter an extension number with no identifying information and then if you hold there is a message telling you just that you reached the extension number XXXX. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: There is a collection agency which was retrieved my personal information without my consent and did not notify about the nature of their grievance. I 've never heard about Central Credit Services and have never conducted any business with them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a victim of an atm scam and Santander bank will not provide me aresolution. I noticed XXXX separate cash atm withdrawls by viewing my online account at Santander on XXXX XXXX. The XXXX amounts were XXXX, and then XXXX additional charges for XXXX. Upon reviewing these I called the bank immediately to inquire ; as I knew I did not deduct these funds. They told me I would need to wait a few days as they were in pending status. Upon clearing, I followed up by filing a claim and gave the details. Atm cash withdrawals on my account that I did not make, however, I had my card in my possession. I waited the XXXX days for them to complete the investigation and the claim was denied with the reasoning that I had the card, there were no incorrect pin attempts and the transactions were done in the city I work. I told them this was not acceptable, wanted to see the tapes, and they had it done any adequate due diligence. At this point I call them every day to speak with someone to help and they just put me in a que and say someone with call me back - I have yet to hear from anyone. I started another investigation but due to the lack of due diligence I do n't foresee the outcome changing. This can not be okay - I have done some initial research and know that they are in violation of XXXX XXXX I am asking for your help and how I can get a proper resolution to these charges I did not make. 

Company response: Company chooses not to provide a public response
Consumer complaint: The incidents have taken place between the dates of XXXX XXXX 2015. We, XXXX XXXX and XXXX XXXX, are jointly filing a complaint against XXXX Wells Fargo Employees:1. XXXX XXXX, NMLSR ID : XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXXXXXXXXXX. XXXX XXXX XXXX. XXXX XXXX XXXX listed employees were fraudulently involved with knowing and/or opening an unwanted line of credit by accessing XXXX 's social security number. Furthermore, when closing all accounts from Wells Fargo, we learned not all accounts were properly closed therefore altering the amount the home loan lent to us. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX 's " unsafe and unsound foreclosure practices '' and use of forged and unauthorized assignment of mortgage is being perpetrated in state and federal courts in order to pursue a foreclosure and relief of stay. XXXX has and is continuing to use forged assignment of mortgage allegedly assigned from XXXX XXXX to XXXX in XX/XX/XXXX and XX/XX/XXXX. These assignments are signed by various known robo signers as vice presidents of XXXX and XXXX to proceed in a foreclosure and bankruptcy proceeding. XXXX claim it is the legal owner of the mortgage via transfer, assignment of mortgage on XXXX XXXX, XXXX in a foreclosure complaint. No evidence was presented into the court 's record as to the claim. XXXX is not the original lender, but a debt collector, attempting to collect on a XX/XX/XXXX defaulted debt. XXXX XXXX Mortgage XXXX is the original lender and filed for chapter XXXX bankruptcy on XXXX XXXX, XX/XX/XXXX. XXXX was granted a default judgment in XXXX XX/XX/XXXX, and a relief of stay in the debtor 's bankruptcy proceeding in XX/XX/XXXX, again without any any proof of legal standing. No valid proof of note or assignment transfer, a proof of claim was not filed or any legal valid documentation offered, but the state court default judgment. 
Upon noticing XXXX 's lawyer that there was not any valid recorded documents of the transfer, or an executed assignment in the recorder of deed on XXXX XXXX, XX/XX/XXXX, an executed assignment dated XXXX XXXX, XX/XX/XXXX was filed into the record and was recorded on XXXX XXXX, XXXX. The assignment was defective and is invalid for numerous reasons. On XXXX XXXX, XX/XX/XXXX, another assignment was executed and recorded on XXXX XXXX, XX/XX/XXXX. This assignment was not a valid assignment. However, the XXXX XXXX, XX/XX/XXXX assignment is being perpetrated into the state and federal court as a valid assignment from XXXX XXXX to XXXX Bank, who was in bankruptcy at the time of the alleged executed assignment. I have attached various documents, including a letter to XXXX in regard their deceptive acts, and other pertinent documents as proof of the issues involved. Thank you for your time in reviewing documents. I hope XXXX would resolve this serious matter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A Collection Agency called Capital Management has some personal information about my finances and they say I have a debt. I have never heard about this agency. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Santander Bank N.A has reported to the XXXX XXXX that I owe them the amount of {$330.00}. I have never had an amount with this bank nor have I made any business with these people. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a bankruptcy filed in 2005 on my report. This bankruptcy was filed by my son XXXX XXXX XXXX not by me. I am XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter in my mailbox from netSpend out of XXXX, Texas it is a Prepaid MasterCard that you can load your full or percentage of your paycheck to. This company even provides you with a Routing number XXXX and an account number XXXX through XXXX, ( this is not my information it is theirs ) I believe they are in XXXX XXXX, South Dakota. The thing about this prepaid card is in order to set it up you have to enter the XXXX digit card number and then the # key. Then they ask you for your SOCIAL SECURITY NO. and DOB. You can not speak to anyone at this company until you do those following steps. What makes this situation weird is I am unemployed and as random as this card is there are over XXXX complaints on line from people who have given this information on line and have lost their paychecks and have bills that are past due. 
I actually put in a fake SS no and a fake DOB to see what would happen and I was able to give the card a XXXX digit pin. What makes this bad is after I spoke with this company over the phone I got an email where someone had changed the pin number. This company is in the business of scamming people out of their paychecks by making them use their financial institution to deposit their money. Many people are not aware that this tactic is illegal. The mention on the letter that they do not accept printed checks, they do not accept deposits via wire transfers, if you do they will return the check to you or destroy it. Only the person on the card can make the direct deposit. The note directly under the card says " I indicated that I had an interest in the card and that is why they sent it to me ''. I have never heard of this company nor did I intentionally or unintentionally ask for this card- so that is a lie. Once a customer signs up for this card giving them their social security number the company now has access to your credit and all of your other banking and credit reports. They take money from your account, add stop payments to other bills to other companies and put stop payments out on you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Pay pal cut off my debit card without a text or a phone call or permission. 

Leaving me without access to my money, having ordered food. Transferred me several times, dumping me XXXX back out to a call in system, gave me XXXX telephone numbers, stating, " XXXX of these '' should work, and neither of them did. 
Kept me on hold for an hour, As it so happened, I had n't yet updated my address, so Paypal sent a card to my old address. 

Yes I had a dispute with a retailer but noNow, I notified them about a dispute with an XXXX purchase, who resolved the dispute with me. I specifically checked the box which said the card was still in my possession, and at no time was I notified that by filling out that form that my card was going to be cut off. 
I did find that they had sent an " a new card is on the way '' but nothing stating my card was cut off. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX continues to show that the account is closed and has no balance or payment history. This account is open, has a balance and is paid XXXX monthly. 
Attached is my verification of mortgage, an account ledger from XXXX and my monthly statement. 

Company response: Company chooses not to provide a public response
Consumer complaint: They add fees to this account 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hi cfpb, I am not responsible for this debt to Home Depot, why is it on my report? I never had a credit card with Home Depot, my husband and his son did in 2007 and my husband closed the account due to his son not paying for this card like he said he would. His son should be held responsible for it not my husband who is legally XXXX in 2007 and had to close this account. 
I never signed anything with Home Depot or anyone else for that credit card. Not mine and should be removed from my report. Thank you. 

Company response: Company chooses not to provide a public response