AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I received a letter from them stating that a judgment has been entered against me XX/XX/XXXX for {$7000.00} from XXXX XXXX XXXX which was part of a settlement of bills that were paid from a car accident I sustained XX/XX/XXXX. The attorneys were XXXX. The letter said that failure to comply will result in my arrest and incarceration. I also had a levy placed on my checking account and {$2500.00} plus {$120.00} legal fees were deducted from it. the letter states that I owe {$7000.00}. My checking account is now in a negative status. I have never been contacted by this firm before nor was i ever given proper notice about this bill. I tried to contact them today over the phone and spoke to XXXX at XXXX who is a paralegal who was rude and gave me no information on my account. She tried to manipulate me and then told me to have an attorney contact them. I then emailed them at their website to find out what is going on and to have them immediately contact me about this. I am distraught and completely outraged that this bill XX/XX/XXXX that I had no knowledge of was filed without my knowledge and my money was stolen from my bank account. I am filing a complaint because I want my money back and I want this firm held accountable for their deceptive practices. I am currently dealing with XXXX and am devastated by this and I need to focus on getting better but can not because I have no bank account nor can I pay for my rent or food. Please help.lThanks. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I first recieved a call from an UNKOWN number, I picked up and a man answered, when I asked him the reason for the Call he said my name and asked me to acknowldege if it was me. He said he was with a processing company and that they were trying to reach me so that they could serve me with papers for reasons that he was not able to say, he gave me a number to the law firm attempting to provide me with summons papers. XXXX I called this number and gave them the case # that the man had provided, they pulled me up and transfered me to their " Legal Dept '' where a lady named XXXX XXXX picked up and told me about a debt that I had never even heard of. A Wachovia bank acct overdrawn {$1600.00} ... she said if I did not pay that I would be sued and taken to court. She then offerd me a settlement of {$750.00} dollars and asked for my EMAIL so i could send her the contract with my credit card information, afraid for my credit score I complied and gave her my email address, after she said if taken to court that I would end up spending thousands more. I called my father and he immediatley understood this was a scam he advised me to file an FTC complaint and advised me not to send these people a single dollar. I am writing this in hopes that some type of action can be taken against these people to prevent innoncent consumers fron buying into these disrgraceful practices. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a co-signer on my son 's private student loan. He is entering his senior year of college and just filled out the paperwork for his last loan through Sallie Mae. The prior two years the fixed interest rate XXXX with me as a co-signer ) was 6.25 %. This year, the interest rate has increased to 9.25 %. When I talked to a manager, she said that the prior XXXX loans on my credit history made the interest rate go up. I have a good income, little debt and feel like Sallie Mae is just taking advantage of the fact that they have a near captive audience and can therefore raise the interest rate by 3 %, even with a co-signer. My son is attending the University of California XXXX. He has another undergraduate degree, so does n't qualify for federal loans. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am trying to buy a home and have been watching my credit report nearly every day on XXXX. Suddenly, today appeared a derogatory mark on both XXXX and TransUnion. Filed by STATE XXXX. I know the STATE XXXX HAS A HISTORY OF PLACING BOGUS LIENS ON NON-RESIDENTS, and that XXXX recently lost a case XXXX. I have never worked or lived in the state XXXX. I have had a XXXX XXXX there since XX/XX/XXXX which I visit one or twice a year. Details : Public Record : Tax LienFiled $ XXXXPublic Record DetailsReference NumberXXXXDate FiledXX/XX/XXXX XX/XX/XXXXDate -- StatusFiledAmount $ XXXXClassificationLienTypeState Tax LienContact DetailsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX is reporting i owe them XXXX, it is untrue and they refuse to remove the derogetory mark from my acct 

Company response: Company chooses not to provide a public response
Consumer complaint: We purchased our home from XXXX Mortgage Company around 1996. We have lived here ever since. My husband is retired on XXXX social security, and I am on social security too. We are XXXX in our XXXX. Our major source of income was lost almost three years ago. We have struggled to meet our financial obligations since then. We modified our loan with XXXX two to three years ago and after that, they sold us to Green Tree LLC. I started a low paying XXXX {$9.00} per hour XXXX XXXX job to try to stay afloat. With my husbands medical needs, car payment, and a second mortgage payment ( which we re-negotiated to a low monthly amount ), and living expenses, we kept falling behind. Green Tree LLC initially sounded sympathetic and sent us credit counseling and modification information-which we had already completed, but slowly began to contact us by phone over and over, demanding payment and asking if we had jewelry to sell, and asking why we were so " lazy '' not to get a better paying job, along with threats of foreclosure and sheriffs sale. These calls would start early in the morning and last until XXXX in the evening. When I told Green Tree LLC that we had listed our home for sale, and would pay them off when it sold, their response was insistent that we give the name of our Realtor so they could discuss a short sale with our Realtor, of which I refused to give the information. Our home is located on almost XXXX acres in the country, on a small lake. We have a pole barn and shop building, and a nice home/four bedrooms/two baths. As you can see by Exhibit # 1 XXXX Statement of XXXX XXXX XXXX our home has enough value to sell and make nice profit. As I understand it, the tax value placed on a home from XXXX XXXX is typically lower than what the home would sell for on the market. Unfortunately, the offers we got were not what we needed to pay off the existing debt. At this point, Green Tree LLC demanded we take whatever offer we could get, as they knew they would be repaid first. The staff I spoke with kept harassing me about being a dead-beat. I have never in all my life been a dead-beat. The intense mental pressure eventually led me to sell the home for a much lower price than we could have gotten, just to stop the calls and pressure. See Exhibit # 2 ( Purchase Price information ) When our buyer called Green Tree LLC to get the current payoff, the employee we spoke with was unable to tell us the balance due! Then, the employee spoke with our buyer about assuming our mortgage and assured him that he could do so through Green Tree LLC. Our buyer remarked that with his knowledge of Green Tree LLC, he would have no desire to be involved with this Company. He immediately sent the full payment overnight to Green Tree LLC, requesting a confirmation of payment, of which he never received. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX called my job. I was not there. They spoke to my supervisor and did not disclose that they were a debt collection company. They then told her that I would be detained for fraud if i did not contact them. She had no idea it was a debt collector because they misrepresented themselves. She thought I had committed something very serious such as a murder due to the way they spoke to her. She was so scared, she called my phone repeatedly to contact me that i may be detained. I left the facility I was working, because I wanted to resolve the issue. I left work and called to finally find out that this was about a debt. I was so embarrassed that the office thought I had done something terrible. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Bank of America charged a {$35.00} fee on a cash transfer -when there were available funds-, causing my account to drop into the negative. After contacting BoA, they admitted that yes, they applied this fee to a cash transfer when there were available funds, yet refused to return the fee. I went to management, and filed a claim through their process which they then denied. I have a copy of the online chat with their representatives and a screen capture of the charges applied to my account. I do not understand how this is not flat out stealing. 

Company response: Company chooses not to provide a public response
Consumer complaint: i requested proof because i never used XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I asked XXXX for proof and it 's been over 90 days and they never responded to me. These are not my charges and will not provide me with proof with either of these debts. 

Company response: Company chooses not to provide a public response
Consumer complaint: Continuing to contact me at my place of employment! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My divorce several years ago left me financially devastated ( custody dispute, illness & more ) and I still am not recovered. I had to sell my house after never missing a payment for years. 

Only I owned the house before, during and after divorce. No one could explain why the credit union called in my mortgage. I sold it after spending lots to upgrade it for sale and have lived in apartments with no hope of buying a home again. I have taught high school history for 25 years in rural NYS. 

I found out via creditkarma that there was a public record of a lien against my house for an unknown judgement against my ex-husband. He had paid it and a year ago I sent proof to the credit companies that it was paid. 

It now shows that it was paid, but I understand that public record on my credit history seriously damages my score. Because my ex-husband never owned the house, I believe this item never should have been on my record. 

I believe this information caused me to lose my house and now ca n't get a credit card, and pay outrageous interest rate for an old car XXXX XXXX XXXX ) and insurance. 

I have other problems with credit cards from that same era for which I am starting to declare chapter XXXX bankruptcy XXXX massive rate hikes and insane fees from XX/XX/XXXX + " sewer service '' notices XXXX. 

Any steps at improving my situation will help tremendously. I have custody of my XXXX year old daughter and deal with health problems ( recently had a XXXX, but have recovered miraculously so can return to work XXXX. 
TRANSUNIONex-husband : XXXX XXXX XXXX Tax Lien XX/XX/XXXX Paid $ XXXXPublic Record DetailsReference Number XXXXDate Filed XXXX XXXX, XXXX XX/XX/XXXXStatus PaidAmount $ XXXXClassification LienType Tax LienContact DetailsXXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX ( XXXX ) XXXXI am : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian has hurt my credit report and threatened to further affect my credit in order to apply pressure as part of an employment-related dispute. 


The brief history of the situation is as follows:1. On XXXX XXXX, XXXX, a driver who had taken me to the airport incorrectly charged {$1100.00} instead of {$110.00} to my XXXX XXXX card. 

2. From XXXX XXXX, XXXX through XXXX XXXX, XXXX, I conducted numerous calls with XXXX XXXX ultimately resulting in the case being assigned to a team investigating major frauds. 

3. In XXXX of XXXX, I paid the full {$1100.00} charge. 

4. Experian and XXXX XXXX accounts completed an investigation including a detailed reconciliation of my expenses. This determined that Experian incorrectly allocated a personal item to corporate expenses. XXXX XXXX with XXXX XXXX and XXXX XXXX of Experian agreed to change the allocation. 

5. On XXXX XXXX, XXXX, XXXX XXXX, with XXXX XXXX, stated, " We audited the monthly statements for XXXX XXXX and the dispute has been fully reconciled. In the end, his charge for the limo service was {$110.00}. " 6. On XXXX XXXX, XXXX, XXXX XXXX confirmed they would send a credit balance refund check in the amount of {$990.00} to me. That ultimately did occur. 

7. In XXXX, XXXX XXXX representatives began calling and claimed that due to an internal investigation, Experian had changed its position and demanded payment of the {$1100.00}. The matter was referred by XXXX XXXX to collection services. Threats were made about my credit, and now a negative entry was placed on my credit record ( a hard inquiry by XXXX XXXX XXXX on XXXX/XXXX/XXXX XXXX. 

Experian and XXXX XXXX determined that the {$1100.00} charge was an error, and reimbursed me. The only thing that has happened since that time is that Experian, my now former employer, has started litigation against me regarding post-employment covenants. A former employer should not be allowed to use my credit score as a weapon in connection with a matter that has previously been resolved in my favor by Experian and by XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Home Depot represtative told me that there would be no interest on the balance as terms of opening their account, so I purchased a small refrigerator costing around {$390.00}. But they added interest on the balance from the very begining which was disputed. 
I made many payments, but they added huge sums of interests and late fees toinflate the total amount but I still offered {$200.00} to settle for full amount. 
Now they do n't to deal with me or discuss about resolution as they have transferred theaccount to another entity. They must give me a chance to resolve it. 

Company response: Company chooses not to provide a public response
Consumer complaint: For the last 6 years, there has been someone changing the first name of XXXX to an intentional XXXX which is a slapping insult on me as a federally protected birth titled person. When it was corrected, at a later time then it was discovered again which makes it intentionally suspicious. However, last year in my state, I made an appeal to my State Atty General ( XXXX. XXXX ) for help. They thought it was taken care of when they had them call me in 2014. We were told by XXXX Trans Union that it was being sent in this way from some company consistently and that they had to correct. The State A G office this year got a second call from me stating that I had received a doc XX/XX/XXXX where Trans Union XXXX when my history was under a red alert for a 90-day period of time, and the name and address was correct. By XXXX XXXX companies sent a new account out due to the fact I placed a new alert on for another 90-days. This was photographed on my cell phone showing that Trans Union started this up all over again. The State A G told us that it was not an outside influence doing it but someone inside doing it for all that time. Now that I have photos, it shows a spiteful abuse of my first name. I am tired of whoever the person is XXXX with my personal government information because they think it is undetectable and fun. I would like the government to arrest and sort out all the people worthy of prosecution and make a XXXX determination on those who are worthy of the XXXX facility. Six years of trashing me as a dignity of this state, OR any other non-titled person is worth a house cleaning party effective immediately by the XXXX. As well, I expect a full shut down by the XXXX XXXX XXXX who will confiscate computers where they are and work on information from that angle. Dot your i 's and cross your t 's. Docs can be sent from my phone at XXXX XXXX XXXX if you want to try that. Otherwise please wait for a certified letter with the copy in it. This will be mailed out the first week of XXXX hopefully. 
Thank you very much. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: On my credit reports there is an account that is not mine. It is from a collection agency named XXXX XXXX & XXXX XXXX account # XXXX XXXX. It claims that I owed them a debt, which I do not and never signed an agreement with them. Now it is hurting my future because when I apply for housing the landlords reject me because on my credit report it states the XXXX XXXX XXXX XXXX account came from an apartment complex. Please help me with this situation as I do not owe any money and I can not get housing because of this. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a best buy card, on this card the XXXX XXXX was charging for services I asked to have removed, which they failed to remove and continued to charge the best buy card. Regardless, the charges they were requesting amounted to roughly XXXX dollars. Citibank, their credit card company, charged me XXXX in late fees XXXX during my dispute with the company, which amounted well above their initial charges. I was informed this was illegal. To get this matter resolved, I agreed to pay the past due amount which was {$52.00}???? They have since closed the card, but are still requesting I pay an additional late fee they charged the account after I paid. I sent a letter, and on the statement and check, it indicated if cashed the account was to be closed and paid in full. They closed the account but are still requesting I pay their fee. This company is corrupt, and if in fact what they are doing is illegal should be stopped. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX I received a letter from a creditor lowering my limit due to a discharged debt on my credit report. I obtain my report and discovered a debt Listed as " XXXX XXXX '', Industry Type -- XXXX, Address- XXXX, MN, XXXX, Account Balance $ XXXX/Charged Off. I HAVE NEVER HAD AN ACCOUNT, NOR ANY BUSINESS DEALINGS WITH THIS COMPANY. I initiated an online dispute with Transunion on XXXX. On XXXX Transunion results -- '' Verified No Change '' On XXXX I requested a INVESTIGATION, by Certified Mail because I was not satisfied with findings-stated No Knowledge of the Debt, and never any business dealing with the company. Upon checking my credit file I reviewed my " updated '' file at Transunion. Again this XXXX XXXX was listed as a an Adverse Account, EXCEPT, the loan type/Industry was now changed to XXXX. It stated Date Open was the same XX/XX/XXXX, Date Closed -- XXXX, Payment received {$0.00} and High Balance {$1000.00}, there was a phone number added XXXX. I did not try to contact this company because I have never had any dealing with them period. I did write another letter to Transunion, sent Certified mail on XXXX XXXX, XXXX, requesting information on discrepancy of the Industry type and loan type. I requested information on how the debt was verified. I received a letter from Transunion, dated XX/XX/XXXX, stating " based on information provided to Transunion, our records show that the information you disputed does not currently appear on your Transunion credit report. '' On XXXX XXXX upon review of my Transunion credit report, THIS ACCOUNT IS STILL LISTED AS AN ADVERSE ACCOUNT. I called Transunion and could not reach ANYONE who Would explain the contradiction of their letter dated XXXX XXXX and the credit report that I reviewed on XX/XX/XXXX. I have not contacted XXXX XXXX, I have never done business with them in their XXXX nor their XXXX businesses. I would appreciate you help, Guidance, direction and/or instruction on correcting this ERROR and removal from my credit report. I have NEVER had a negative/adverse report from my creditors. Thanks You 

Company response: Company chooses not to provide a public response
Consumer complaint: While out of town for five days, I received in the XXXX mail a letter stating that XXXX XXXX accounts and XXXX regular savings accounts had been opened in my name. Additionally, I received a debit card and PIN ( in separate mailers ). Shortly thereafter I received XXXX letters from BofA telling my the accounts affiliated with my name had been reconsidered and closed. All these were waiting for me upon my return to town. 

I never applied for an account with BofA, not do I want one. I never applied for a debit card, not do I want one. 

I want some assurance that my credit ratings will not be impacted by these actions and that I am not affiliated with them in anyway whatsoever. 

The name and address used is : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX. 

I sent an email to the fraud department of BofA a couple days ago but have not heard from them as of now. If I do, I 'll ask their assurance - in writing - that these transactions were fraudulent and that I am in no way associated with them. 

Thank you. 
XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I made my payments on time with BMO HARRIS bank, and somehow they missed one of the checks my bank sent, the money cleared my bank account, and the funds were taken from my XXXX checkings account. this happened XXXX of 2014, they 've been calling me an harassing me for a whole year about it, and I already explained the situation XXXX times to different people. they never put notes on the system, they 've called my mom at work, my brothers and almost got my Mother fired, I am a United states Marine. a and they call my job everyday from the same number. and they are not trying to work hard to find out who lost the check and were did my money go. at this point like I said my money cleared the account and I never got reimburse for the lost, if you look at my payment history I 've never missed one payment! and I have XXXX cars. they told me they would take my car and that it was n't their problem the money got Lost, that I HAD to pay. 

Company response: Company chooses not to provide a public response
Consumer complaint: THE COMPANT XXXX AUTO IN XXXX NEW MEXICO LET ME TEST DRIVE A AUTO TOOK MY LIC # AND SS # AND RAN A ILLEGAL REPORT TO ALL BUREAUS 16-TIMES ( INQUIRES ) WITHOUT SINGED PERMISSION.TRANS UNION HAS USED THIS TO DISCRIMINATE MY GOOD WORTHTHINESS, BECAUSE I 'M RETIRED.I HAE SENT IDENITY DOCUMENTS XXXX TIMES AND STILL NO REPORT TO DELETE THIS NO SIGNATURE PERMISSION FOR INQUIREIES ( 16 ) 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed innacuracies/ out-of-date information on my credit report with Experian XXXX and they responded by updating the activity on my accounts to XXXX and lowering my credit score, not taking anything off. I disputed the same information with XXXX and they took everything off, rightfully. I have a judge 's decree that most of the debts I am disputing are not mine. The ones that are mine are from 2007, over 8 years old, yet Experian continues to report them. 

Company response: Company chooses not to provide a public response