AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I 've tried numerous times to obtain my trans Union credit report and keep getting returned to the same page to re-click the continue button. I Received my report, but when I attempt to dispute information, I am given the run around and not allowed to access the dispute site. also, the Items I 've been disputing have been disputed before because they were part of my husbands bankruptcy and discharged under case XXXX XXXX.7 by United States Bankruptcy Court Judge XXXX XXXX XXXX XXXX And the creditors have failed to aknowledge the discharge order, dispite sending them numerous letters and disputing on the trans union site. I live in a co-debtor state and all of the debts in question were incurred while married. Yet, all attempts to rectify the situation have failed. My husbands lawyer only says keep mailing or file bankruptcy yourself. That some creditors will not recognize the bankruptcy as far as co-debt and the only way to get them to stop is to file bankruptcy myself. I should n't have to and do n't want to do that. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was charged a $ XXXX monthly fee on my checking account. The first month it happened I called Wells Fargo Bank. They refused to reverse the fee. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I would like to enter a complaint against Credit Management L.P. They changed the billing name from Credit Management to XXXX ( Formally XXXX ) on XXXX XXXX refuses to remove the bill despite being paid in full Ref. # XXXX claim they have not been notified by Credit Management L.P. ( In their defense Credit Management L.P. did notify XXXX and XXXX. Both company 's removed the erroneous bill ) I complained about XXXX and got no where. I called a attorney and was advised to refile my complaint against the original billing company, that would be Credit Management L.P. YOU have my full permission to contact XXXX to verify XXXX changed the billing company name after they where notified to remove it however, Credit Management L.P. is the reporting agency that is why this complaint is against them on behalf of XXXX their Client!! 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: The floor manager XXXX and XXXX call support staff on ( XXXX/XXXX/16 ) are XXXX stating that they are being given conflicting information by the XXXX XXXX XXXX XXXX because " XXXX XXXX will always show a record of the liens on my record '' while on the phone I placed a call to XXXX XXXX recording office and placed both XXXX and XXXX XXXX XXXX XXXX on the phone while having both XXXX then later XXXX to explain the " conflicting '' information. XXXX Experian employees where clearly told that because XXXX XXXX will forever show the liens it will also have a link that shows the liens where satisfied. Furthermore, XXXX XXXX was clear in stating to XXXX that Experian is the one that needs to vacate and remove these derogators from my credit report because they were satisfied and are no longer liabilities. XXXX refused to pass the call to a supervisor and when XXXX was finally placed on the line he refused to pass me to a manager to escalate this complaint so it can be removed immediately from my report. Also the letter received by the state of Oregon was not accepted as adequate information to remove the derogators from my credit report. Please help, it has been over 2 years fighting these derogators with no progress. 

Company response: Company chooses not to provide a public response
Consumer complaint: My father passed away in XXXX. He had an auto lease agreement with Ally Financial. We contacted Ally Financial to notify them of his death and get their guidance on what options we have to proceed. In conversations with Ally, they advised us to return the vehicle to the auto dealership. We asked about any financial liability to my father 's estate if we returned the vehicle. Ally advised us that we should not expect any financial liability upon return of the vehicle. They stated that they would sell the vehicle at auction. We expressed concern that they would not attempt to get fair market value and pass the cost on to us. They assured us that this would not occur and not to expect any further expense. With this understanding, we returned the vehicle as instructed. Less than a week after returning the vehicle, Ally send us a notice requesting payment of {$4900.00} having auctioned the vehicle in a closed auction to their business partner at a heavy discounted price. Less than a week after that they had already referred the matter to a collection agency ( XXXX XXXX XXXX ) who is attempting to collect this as a debt of my father 's estate. We do no think this debt is the responsibility of my father 's estate, since we did as they instructed and Ally provided mis information to us in the process before Ally made a poor business transaction upon which they had on interest in gaining good value. Their instructions and information precluded us from taking other options, such as transfering or continuing the lease that would have been more financially vialbe. We contacted Ally about this and they agreed that they should not have told us not to expect expense and that we were provided with bad information by Ally 's own customre service professionals. However, Ally told me that they sold the debt to XXXX XXXX ( a collection agency ) and now we have to deal with a collection agency moving forward. We think this is unfair to have been mislead by Ally, who immediately assigned their loss to my father 's estate without any agreement or dicussion and then proceeded to sell that debt to a collection agency before making any attempt to settle the matter with my father 's estate. Ally also confirmed that if they had sold the vehicle for a profit they would NOT have provided my father 's estate with the proceeds. Instead, they sell the vehicle and keep the profit if there is XXXX or attempt to pass the loss along to customers in a transcation that is not conducted in a fair manner attempting to get market value, but is rather under an agreement with their business partner ( auto dealership ) whom they have additional business arrangements. Then immediatley sell the debt ( missasigned to the estate ) to a collection agency to begin harrasing people. If there is to be a fee or penalty on the return of the leased vehicle, Ally should have made it clear what that is likely to be. Instead, they told us to return the vehicle and not expect any further expense despite our raising the concern of having any further expense before we return the vehicle. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortsgage co. decide to create an escrow account to pay a property tax balance. Then said I hade 12 mos to pay it back resulting in a {$750.00} increase in my monthly mortgage payment. When I constested this with t he escrow dept I was able to spread the pay back period to 60 mos and only $ XXXX increase in payment. This would have been great the the payment dept has never recognized the reduction and continues to over charge me and now are attempting foreclosure. 

Company response: Company chooses not to provide a public response
Consumer complaint: Never ever have I had XXXX in my name 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Received a debt collection notice for a name close to mine but incorrect middle name from National Credit Systems , Inc claiming that I have a {$500.00} debt. They are claiming that I would only have to pay {$250.00} to clear the debt. I believe this collection notice to totally be in error. I have never done business with the company that they list. When I XXXX this Collection Company I found that there are numerous complaints online against them, including being rude on the phone and having erroneous information. This is why instead of calling the company I would try to make things easier and file a complaint here. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: " Bank Of America '' sold my debt, to a Law Firm. XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. I was with Bank America for 35 Years, same branch for Thirty Five Years. My parents bought their home, through Bank of America, for 30 years. So XXXX years, collectively. My Credit Score was XXXX, in 2006. But because of my bad health, I live on XXXX, only. I have no assets, no investments, no savings account, zip! I have {$4.00} to my name! I was contacted by a " Process Server '' XXXX XXXX XXXX XXXX delivery person was here. I did not answer the door! I have a XXXX XXXX, do they want to have a " Wrongful Death Suit? '' Please leave me alone. I have nothing! I do have terrible health, and I am broke. A Law Suit is waste of your time, money, & energy, and very STRESSFUL. Do you need their E-Mail, if so, here it is. 

Company response: Company chooses not to provide a public response
Consumer complaint: I initially took out a {$600.00} personal loan with the online company named Spot Loan. I defaulted on the loan, and I began getting harassing phone calls from numerous identified phone numbers with all of my personal information. I contacted Spot Loan to find out what the situation with my loan was. They informed me that they had sold my loan to a third party debt collector. When I asked to whom they sold it to, they vaguely gave me a name of a company called XXXX and the phone number XXXX. They still to this day have n't given me a mailing address. When I called the XXXX number, there is a recorded message saying to leave my name, number and loan information and someone will return my call. I received a call from numerous out of state phone numbers, XXXX lady claimed to be calling me back from XXXX. She said they sold my loan to a company called XXXX XXXX XXXX phone number XXXX. I called that number and I was told my loan was sold to XXXX XXXX XXXX at XXXX. I called that number and it was a recorded message about taking a travel survey. So basically, I was at a dead end with no answers In the mean time, I was receiving harassing phone calls from XXXX and XXXX claiming to be calling me from a company called XXXX. ( XXXX ). I XXXX all of these companies and none of them are legitimate debt collectors. These calls from XXXX. were threatening to serve me papers, and they were telling me that I would be going to court for check fraud. I told them to serve me then, and that I knew by law that they had 5 days to send me verification of the debt by mail. They refused and we 're demanding my bank account information for a payment. I refused. I understand that I have an outstanding debt, but nothing about this is the legal way of collecting it. This company Spot Loan obviously sold my personal information to a scam third party for whatever profit they could. They should be held accountable, and if they supposedly sold this loan legitimately, they should be able to provide more information to whom ... .most importantly a business address for the company that they sold it to. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: A debt collector is attempting to collect an old debt, that is past the statute of limitations. This debt is no longer on my credit report and has been closed. The collector calling me is asking for personal information which I refuse to give. I called them back and asked for the name of the company and address, and they refused to give me that information. They have called me 4 times this week, twice from the phone number XXXX, and twice from a restricted number. I belive the message said they were from XXXX or XXXX, as they spoke very fast and unclear. The voice message said to contact XXXX tp verify information. I asked them to take my name off of their calling list and they said no, we do not have a calling list. I hung up as I could see the call was going no where and decided to report them instead. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I FILED A CHAPTER XXXX IN XXXX XXXX. IN XXXX XXXX MY CHAPTER XXXX WAS COVERTED TO A CHAPTER XXXX. ANY DEBT THAT WAS CREATED BETWEEN XXXX XXXX AND XXXX XXXX ARE TO BE DISCHARGED. SEE XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). I HAVE NOT HAD ANY SUCCESS WITH GETTING THESE ACCOUNTS REMOVED FROM MY CREDIT. 
*XXXX- SHOWS PURCHASED BY ANOTHER LENDER. THIS ACCOUNT SHOULD NOT BE SHOWING ON MY REPORT AT ALL, THE ACCOUNT WAS OPENED IN XXXX XXXX. 
*XXXX- SHOWS PURCHASED BY ANOTHER LENDER. THIS ACCOUNT SHOULD NOT BE SHOWING ON MY REPORT AT ALL, THE ACCOUNT WAS OPENED IN XXXX XXXX. 
*XXXX- SHOULD NOT BE SHOWING ON MY REPORT AT ALL. THE ACCOUNT WAS OPENED IN XXXX XXXX. 
I HAVE SENT THE EXPLANATION OF BANKRUPTCY DISCHARGE IN A CHAPTER XXXX CASE THAT I RECEVIED FROM THE BANKRUPTCY COURT WITH MY DISCHARGE ORDER TO THE XXXX BUREAUS. IT STATES CLEARY " IF THIS CASE WAS BEGUN UNDER A DIFFERENT CHAPTER OF THE BANKRUPTCY CODE AND CONVERTED TO CHAPTER XXXX, THE DISCHARGE APPLIES TO DEBTS OWED WHEN THE BANKRUPTCY CASE WAS CONVERTED. '' I HAVE BEEN SUCCESSFUL WITH SOME OF THE COLLECTION COMPANIES WITH CLOSING THE ACCOUNT THAT THEY PURCHASED ONCE I SENT THE THE PROOF. I CAN NOT GET THE CREDIT BUREAUS TO DELETE THE ORIGINAL ACCOUNTS FROM MY CREDIT, THESE ACCOUNTS ARE DISCHARGED DUE TO THE CONVERSION. 

Company response: Company chooses not to provide a public response
Consumer complaint: I believe someone is using my personal mortgage acct/info to reverse my mortgage payments. Now Bank of America is claiming 2 months are owed on my acct and that is false! Here 's similar people/cases : " Well this XXXX is still add it.I 'm glad I found this website becasue I was going crazy! They tried to tell me that if anyone does n't pay by the XXXX that they will call to make arrangements to take your payment over the phone. Well, I 'm never late and it is only the XXXX of the month so I 'm well within my grace period. I went OFF on the lady ( i actually felt bad ) but only becasue my experience with BAC has been so horrible. I went into BAC main office and they verified that this was scam number- they are NOT BAC and my loan was in good standing. There has to be away to block this company up for harassing people- playing with peoples homes is no joke! i called the # back and it says they XXXX and they have all my account info. CREEPY!!!!!!!! '' XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was contacted by a debt collection company called CMRE Financial Services regarding an outstanding payment to XXXX of XXXX XXXX of dentistry for the amount of {$200.00}. I have never visited the dentist school and do not owe them any money. I called CMRE Financial Services at ( XXXX ) XXXX and they told me to file an identify theft report and send them a copy along with my driving license and SS number. I have also attempted to contact the dental school in question but have not received any response. 

Company response: Company chooses not to provide a public response
Consumer complaint: I called the company commonwhealth they report it a collection on my credit report and when i called to know who was it and what for was the debt they did not find any information on me and could not find anything all so i ask them why are you reporting false information if you dont know who em i so i ask to remove that collection and they said no until they find out what happend 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Judgment was settled and dismissed ..never should have been placed on credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: 1. I was in request of my monthly statement for the stated amount due of {$910.00}, made it known that I was going to make a payment today to bring my account to date. I did have reservation in making any other payments until I saw a detailed accounting of my late fees and additional charges, as well as understood why the balance on my account I was told that I did not get a monthly statement and they were not required to give me one. 
2. I was also in request of my agreement that specifically stated that I was not entitled to an accounting for my vehicle payments, as well as where in the agreement that I signed, stated that I was required to pay a daily late fee of {$7.00} for each day that my account was late. I was informed that I was a high risk loan or simple interest loan and that the regular late fees, {$15.00} Credit Card transaction fees, {$9.00} XXXX XXXX fees, Monthly late fees as well as a XXXX % interest rate had only reduced my account principle by {$2000.00}. 
3. I was informed that I would not receive anything regarding statement of payment, account balance, ( nor were they responsible to do so ) copy of agreement or any other information that would help me reconcile my account until I had paid the balance due. 
4. Also, I made it very clear that no one was to harass me at work again with either phone calls or other means. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Wells Fargo continuing it 's racist XXXX discriminatory erroneous racist conduct reporting me delinquent on my mortgage payment to the credit bureaus ( credit report attached ). Fully knowing that I have a toxic neg amortization pick a payment loan that has a minimum of XXXX payment options on it : Minimum, Regular, or 15 year. They also have changed the account number on the same account, and am reporting me delinquent for XXXX separate accounts which really are the same account with a higher erroneous account balance!!! I have also requested that I be provided a copy of the mortgage Note, payoff quote, and verification of mortgage, and a itemized breakdown of my payment options on the toxic neg amortization pick a payment loan, and have gotten No documentation, or communication from them regarding my requests. Racism continuing to spew it ugly head like the high school girls in XXXX, Arizona!!! I 'm getting tired of filing complaint after complaint on their obvious overt XXXX XXXX blatant XXXX discrimination business practices, in addition to their hate crimes, and harassment. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2016 we paid {$4000.00} to pay off our Citi Credit card ( last XXXX account # XXXX ) and received a interest bill for {$27.00}. Per statement and agent XXXX at Citi Bank they charge DAILY interest on the account for money owed up through the end of billing cycle and/or the time the payment is processed. The account was paid off based on their information and now they are charging us for money that has already been received by them. 

If they continue with " daily billing '' it will be impossible to pay off a credit card, if of course we paid per their billing statement. 

However, theoretically, even if I sent money and they received the money the same day as our billing cycle begins, they can still bill me interest for the hours or the day it takes them to process the payment. 

So according to their business model and legal agreement, I WILL NEVER BE ABLE TO PAY THE ACCOUNT IN FULL! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: A Federal Government card should not show on my Credit Report ( s ). I handled this with Citi when it first happened and now this is reporting on all three bureaus and late on XXXX. The bureau even wrote a letter which I am attaching. 

Account XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was contacted on XXXX/XXXX/XXXX by XXXX XXXX XXXX who represents " Zenoco Collects '' about a XXXX debt in XX/XX/XXXX. This debt was sold off by the original creditor and eventually paid by me. This debt no longer stands valid. That debt has been paid and satisfied. XXXX XXXX told me the IRS has sent me a XXXX form which i did n't answer and he was looking to collect for them. He was willing to settle for {$600.00}. He threatened legal action if i did not settle with him by XXXX. I asked for him to verify this debt by sending me an email with said documents, which he never sent out. I then called the IRS to see if there was any pending outstanding balances with them in which they told me no outstanding balances or litigation. Then i called XXXX XXXX back twice and he did n't pick up. I called them to complain and they hung up on me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I initiated an investigation with Experian in which they completed on XXXX XXXX, 2015, Report # XXXX. At this time I requested documentation as to how the following items : 1. XXXX Now-Account # XXXX ... was verified as accurate. 
2. XXXX XXXX XXXX-Account # XXXX ... was verified as accurate. 
These accounts are not at all accurate and I have requested several times proof as to how they were verified in accordance 15 USC ... and to date have yet to receive this information. 
when it has several 

Company response: Company chooses not to provide a public response
Consumer complaint: Zenco Collections, LLC on behalf of XXXX XXXX XXXX is attempting to collect on a debt dated XXXX of which I have no knowledge of. In addition, they have pulled an asset report and are threatening to place liens and levies on my assets and garnish my wages through legal action. A message was left on my phone in which legal action was threatened without any verification of identification. A search of their phone number, reveals that it is a scam phone number. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am having personal difficulties with Citibank that I hope you may rectify. I have been a customer since XXXX XXXX with XXXX credit cards totaling approximately {$45000.00} in available credit. I use my Citibank credit card for all of my daily transactions. I had a breach of my card number in XXXX resulting in XXXX unauthorized transactions totaling {$4600.00}. I did not receive XXXX alert of potential fraud and I found out when I received my statement. I immediately called and had the card deactivated and initiated the claims. The card has always been in my possession. Unfortunately, the level of service that I have received has been extremely poor. I still have {$4000.00} unauthorized fees that have not been credited to my account and it has now been one month that I have been actively seeking a resolution. I have called and emailed from the web portal multiple times to at least receive provisional credit as the case is being worked and I have not received any assistance in resolving the total claim. I have only received a partial claim for transactions that happened after the statement. During multiple calls, I have discussed with various supervisors whose ID numbers I have notated, but each time I am told I will receive credit within XXXX7 days. This has not happened. On XXXX occasion, a supervisor was extremely rude to me and did not offer to assist in any way. He actually told me to stop calling. I have exhausted my attempts to resolve this matter and I am hoping that you may assist me in rectifying this situation. I have stopped using my Citicards for my daily transactions until my issue is resolved and I am in the processing of changing my auto payments conducted with these cards. I would like to mend our relationship and I thank you in advance for your assistance. 

I have called to attempt to resolve my issues with Citicards XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. 

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