AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: The debt collection agency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX sent a 'dunning ' letter to consumer dated XXXX XXXX, 2015. The envelope was postmarked XXXX XXXX, 2015 and consumer received it XXXX XXXX 2015 which violates the XXXX XXXX XXXX XXXX day timeline consumer is allowed to respond to dunning letter. This is a practice synonymous with 'false, deceptive, misleading misrepresentation ' as it violates the Fair Debt Collection Practices Act ( " FDCPA '' ), 15 U.S.C. Section 1692e. Many debt collectors are adopting this practice as a way to cause consumer a lack-in-time to respond within 30 days and utilizing the timely manner set out by the FDCPA. Not all consumer 's have access to a fax machine. This Consumer takes issue with other factors of the 'dunning ' letter in regards to the fact consumer does not owe XXXX XXXX XXXX XXXX ( or any entity acting on behalf of XXXX XXXX XXXX XXXX ) a debt. Consumer disputes owing XXXX XXXX XXXX XXXX a debt based on the FACT : Consumer has no fiduciary, contractual obligation to pay XXXX XXXX XXXX XXXX anything. There is no payment history, nor products, or services that have been rendered to XXXX XXXX XXXX XXXX, because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to third-party debt collectors. Furthermore, Consumer 's sole ( permanent ) income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act ; ( SSA ). Consumer is head-of-household and possesses NO property of value. Consumer 's federally protected income presents a 'genuine issue of material fact '', which will result in a frivolous lawsuit if pursued. Consumer filed this complaint as a means of formal documentation that consumer will " tender '' as evidence in a court proceeding if XXXX XXXX XXXX XXXX chooses to adopt their own agenda and pursue this matter further. Consumer wishes all communication ( mail/telephone/attempted collection ) cease upon notification of this debt dispute reported in this venue. Consumer has added a complaint lodged by another consumer who experienced 'unjust enrichment and extortion ' levied against them when interacting with XXXX XXXX XXXX XXXX. Consumer of this complaint will not engage in contact with XXXX XXXX XXXX XXXX based on violations of the FDCPA, false misleading contact by XXXX XXXX XXXX XXXX. If XXXX makes any attempt to contact consumer on ANY level consumer will file a federal and state lawsuit against XXXX XXXX XXXX XXXX and present documentation to support consumer 's position in this matter. Consumer thanks CFPB for having this venue as documentation. It is greatly appreciated! 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Asked for validation of debts and Financial Recoveries does not respond. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: we has a bankruptcy that was discharged in 2006, however it continues to show on our credit report. We need this removed immediately. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I had to file for Bankruptcy to protect my home because the bank has refused to modify my mortgage for years. This started in XX/XX/XXXX and Wells Fargo told me in order for them to help me I had to stop paying my mortgage with XXXX and when they take over the will modify my mortgage. When they finally took over they have continued to deny my modification even though I qualify. Now the prices are starting to come back up in Florida, I believe they are illegally denying me so they can sell the house for more and deny me again. The statute of limitation in Florida is XXXX years and my foreclosure ha been going on for longer than that. Why is the government and the state continuing to let the banks get away with this??? I want an answer ans want the banks to be held liable for what they have been doing to home owners since XX/XX/XXXX! Please respond! 
XXXX. XXXX XXXX XXXX XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: This is my complaint I sent Bank of America : Why does it take so long for merchandise that I purchased using my debit card and pin # several weeks ago to clear or continues to pend, thereafter deducting funds from a new deposit? 

Based on my salary and infrequent pay periods I am the working poor and a college student, So I have to maintain meticulous records of all my transactions and after auditing my account it is unnecessarily below the amount I have calculated due to these pending transactions when the first several deposit ( s ) of funds were clearly available at the time my card was swiped. If this was n't true I would n't be able to make any purchases not even with " credit ''. 

In the end, with no fault of my own, I become the victim of overdraft chargers and/or insufficient fees shifting money from my savings account to clear transactions I assumed were cleared in good standing. 

I am scared to touch the same money I earn and deposit because I feel like I am doing business with a loan shark. 

Please help me to understand how BOA conducts business regarding my concern. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX Services do not allow for services to be rendered before being paid. This was a paid account. Somehow on XX/XX/XXXX they believe I owe an unpaid emergency services debt. I have never been to emergency with my daughter unless it was paid so this must be someone elses report. 


XXXX account reported on XX/XX/XXXXOpenAccount # XXXX $ XXXX Creditor $ XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX ReportedIndividualResponsibilityPlaced for collectionRemarksNote 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 'd been paying extra on my loan for years and the way my loan was set up it pushed my next payment due date into the future. So in 2010 ( around the time Wells Fargo purchased my loan from another lender ) my next payment was n't due until this year. So I stopped making payments. 

Many times over the years I logged into the online account to check my balance due and see what I owed since I thought interest may be accumulating. I looked at XXXX different account summary pages as well as downloading pdf copies of my monthly statements. Not XXXX of them listed any accumulated interest. They all said my account balance was {$4000.00}, the same as it 's been since XX/XX/XXXX. I figured since my next payment was n't due until XX/XX/XXXX they must not be charging me interest until then either. So a few months ago I started making payments and just noticed that despite me paying several hundred dollars my account balance was the same. I came to find out I 'd accrued about {$800.00} in interest that was only detailed by going to a XXXX Account Details page via a link on the normal Account details page, that was under an Account summary page. I complained that the Monthly Statements and the account details pages that I 'd been looking at for years did n't detail list the interest, it was only found by navigating through XXXX other pages that said I only owed {$4000.00}. They basically said tough luck, " Your student loan accrues interest daily at a rate of 4.25 % which is variable. Your variable interest rate may change monthly, however youare billed for interest each month based on the principal balance. '' - They say I was billed each month for interest, but the monthly statements did not reflect that in an increase in my total due, or an line that listed the interest owed, or in any other way. 

I feel this is a very dishonest business practice. They knew my next payment was years away and hid the interest they were charging me on a sub-subpage of their website while issuing monthly statements that said what I owed them was unchanged. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been receiving collection letters since mid XXXX XXXX from National Credit Audit Corporation XXXX XXXX XXXX XXXX TX XXXX XXXX Permit # XXXX about a debt that is too old. This debt was incurred in XXXX XXXX in XXXX, Florida ( original creditor XXXX XXXX XXXX XXXX ). I have sent a certified letter explaining that I am protected by Florida statutes since they failed to contact me within XXXX years of the XXXX payment XXXX XXXX XXXX XXXX. I am currently receiving the debt collection letters and phone calls. I have disputed the account to XXXX but the account is open with status details that the account is scheduled to continue on record until XXXX XXXX. The same account was reported to XXXX or XXXX under XXXX for the same amount. Please advise the steps I need to take to protect myself so they do not try to collect a debt in the future. 

Company response: Company chooses not to provide a public response
Consumer complaint: Why the title insurance company charges exactly the same fees for a refinanced loan, with the same lender, the same borrower, and for the same property. It is a ripoff and is approximately XXXX of the total cost of refinancing a loan with the existing lender. The title company should prorate their charges for additional new loan amount. For example, from an existing XXXX loan to say a XXXX loan - on XXXX only. For example, if a {$1200.00} fee was charged for the original loan amount of XXXX to the same borrower, the new title fee should be charged on the balance amount of XXXX, and not on the full loan amount of XXXX. This new title policy should be an amendment to the original title policy, for a reduced fee of only {$250.00} instead of the full fee of {$1200.00} again. 
The CFPB should immediately order the new rule on all home refinancing if there is no change of lender, borrower or property, except the loan amount. I assure you my proposal will save XXXX dollars to the homeowners who are refinancing their existing loans. The title insurance companies are cheating millions of homeowners by issuing revised policies that are for the 30-year life of the loan. The new policy fee should be based on XXXX factors ; 1. say the original 30 year policy on the loan is currently valid only the remaining 25 years, so the new policy rate will be based by for 5 years and not the entire period of 30 years. 
2. XXXX, in case of cash out, the fee should be charged for only the amount of cash out, and not based on the full amount of the loan. 
Thanking you in advance for your kind consideration. 
My name is XXXX XXXX Telephone XXXX. I have lived in my house at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX for the past 28 years. I had to refinance my loan several times during the past 28 years to take advantage of the interest rates, and pull out some equity. I am a XXXX years old senior citizen, and equity in my home is more than XXXX the loan amount. 

Company response: Company chooses not to provide a public response
Consumer complaint: Recently I disputed a bankruptcy with transunion that was verified as acurate. I disagree with the results. Although i have filed for bankruptcy in the past the date that transunion is reporting is incorrect my bankruptcy was filed XX/XX/XXXX and should have expired off my report XX/XX/XXXX. The bankruptcy is now only reflected on my transunion report and has long been gone from the other credit reporting agency 's. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is reporting inaccurate, illegal late payments on Myfico Experian credit report. 
Accounts were Charged -off /Closed and there are multiple late payments showing after the accounts was charged-off /closed is inaccurate.This is illegal! 
The lates should be deleted immediately.I plead with CFPB to investigate this matter. 
The XXXX accounts are inaccurately showing multiple illegal lates after charge/off. 

1 ) XXXX XXXX - XXXX XXXX XXXX ... ..., 2 ) XXXX XXXX - XXXX XXXX XXXX ... .... 
The lates report as recent as XXXX 2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: when I try to get my credit report I 'm asked security questions like what bank do I have my car loan through and what bank is my mortgage through when I answer none above it says I have answered questions incorrectly when I do n't understand why when I do n't have a car loan nor do I have a mortgage and I have never lived in the states these loans are. So it want allow me to see my credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: TWO YEARS IN A ROW ALL THREE REPORTING AGENCIES HAVE GIVEN ME THE RUN AROUND ONLINE..TRANSUNION AND XXXX SAY I HAVE ALREADY RECEIVED MY FREE REPORT ( WHICH I HAVE NOT ) AND XXXX SAYING I HAVE TO MAIL IN MY REQUEST, WHICH IS BECAUSE NONE OF THE SECURITY ANSWERS WERE CORRECT ABOUT ME .. I HAD TO ANSWER " NONE OF THE ABOVE " TO ALL ANSWERS ... I BELEIVE ITS ALL ON PURPOSE BECAUSE WE CAN DISPUTE EVERYTHING ONLINE AND IF WE HAVE TO MAIL IN A REQUEST OR PAY FOR IT PEOPLE WILL NOT PROCEED WITH THE DISPUTES OR WE WILL HAVE TO PAY FOR THE REPORTS AND THEY CAN GET OUT OF GIVING US OUR REPORTS FREE AS PER FEDERAL LAW.. 

Company response: Company chooses not to provide a public response
Consumer complaint: ALL XXXX AGENCIES ( EXPERIAN, XXXX, XXXX ) ARE GIVING ME THE RUN AROUND SAYING I HAVE ALREADY RECEIVED MY REPORTS, WHICH I HAVE NOT..THIS IS THE SECOND YEAR IN A ROW..THERE IS NO WHERE ON THE REPORT REQUEST TO DISPUTE IT OR FIND OUT WHATS GOING ON 

Company response: Company chooses not to provide a public response
Consumer complaint: I helped my mother get a reverse mortgage in XX/XX/XXXX and she died XX/XX/XXXX. They started Foreclosure procedures about 2 months after she died. I sent them letters ( before she died ) requesting to set aside the reverse mortgage because they failed to follow procedures with their paperwork as mandated by HUD. There were several forms required by HUB that she was supposed to sign that she understood this process. She never signed these forms and did not understand. It was the counseling mandated by HUD but was not followed. That company XXXX was the counseling agency authorized by HUD to do the pre loan counseling, they failed in this capacity. They tried to get me to sign some papers because I lived with her but I refused. They are scheduled to foreclose on XX/XX/XXXX. Therefore I am in immediate need of your help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Well, I filed a dispute with my credit card for a large amount of money. A woman named XXXX promised to contact me after calling her supervisor. However, I never heard from her. I left XXXX messages on her machine and also called and left a message for her supervisor. No one ever called me. I asked if there was other information they needed and she said, typically not, your services were not as described. I have protection under my master card credit card agreement, but the part I 'm contacting you about is the failure to communicate. I 've been asking for months, but no one will speak to me. If someone promises to call so I can get my facts together, fine, but now no one at USAA will return my calls. I 've called repeatedly. Then, I got a letter -- much after these events -- asking for all the same information I already filed. This person has mismanaged my case. I explained the details completely and submitted them. She said she did n't need the information and now suddenly she lost all of it. I do n't understand how my case is being mismanaged so terribly and why a supervisor wo n't call me back. It is disturbing. I want my money back. The amount of the dispute should not be in issue. It is within my rights to have the information and be communicated with in a timely manner. The fact that XXXX lost all of my information and sounded confused about my case reveals that she did n't even investigate or look into it. I have a provision in my case that states if the services were not as provided I could have my money back. In this case I left written documentation and forwarded it to USAA. I did everything on my side and now they want me to do it again. no one ever returned a call. I do n't want XXXX, I want a supervisor. and still no one called m back. I have been at the bank with the card for many years. Why ca n't they honor their word to me that I would get my money back? 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Macy 's failed to secure my accoun and would not share information with me how my account and personal information was compromised. There was a purchase for about XXXX for fancy watch ( out of my state ), which was then credited to my account a few days later. When I called to check the status of the investigation, Macy 's said that since it was returned, there is nothing to investigate. Macy 's fails to provide me information about the incident. I felt closing the account was the best solution, but even after I 've closed the account, I 've received XXXX letters already indicating someone is trying to reopen my account. I had to close other credit card with fear that someone else was going to use them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a collection account with XXXX XXXX University, for tuition owed for classes they claim I did not formally withdraw from in time during XX/XX/XXXX. The amount of this debt showing on my XXXX XXXX credit report is {$1700.00}, as reported directly by XXXX XXXX University, on XX/XX/XXXX. 

The law firm now handling the collection, Keith D. Weiner & Assoc. Co. LPA , is claiming I owe over {$2700.00}, due to " collection costs. '' They claim the initial balance with XXXX XXXX University was {$1600.00}. 

I disputed their claimed balance amount with them, based on the balance amount XXXX XXXX is reporting to XXXX XXXX. 

A representative for Keith D. Weiner & Assoc. Co. LPA , using the alias " XXXX XXXX '' ( XXXX ext. XXXX ) said his firm will just " file a summons, '' " get a judgment, '' and " garnish my wages when I do get a job '' per our telephone conversation on Monday, XX/XX/XXXX at XXXX EST. 

Prior to this, he made similar threats, such as on Friday, XXXX XXXX at XXXX. 
Prior to even attempting to call my personal phone, XXXX XXXX called my part-time employer on XX/XX/XXXX at approximately XXXX, and spoke to the owner of the company. 

On the same day, XX/XX/XXXX, XXXX XXXX called my personal phone at XXXX. 

The amount Keith D. Weiner & Assoc. Co. LPA , claim I owe has now been inflated by 65 % ( {$2700.00} vs. {$1600.00} ). 

The collection tactics they are using and their inflated amount they claim I owe, may be in violation of Fair Debt Collection Practices Act. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for a loan for on XXXX XXXX, 2015 for {$420.00} providing correct information that I was paid on a monthly basis on the XXXX of the month and the due date for the loan was made XXXX XXXX. I extended the loan and made a partial payment on that date - but when they extended the loan they unilaterally switched my pay frequency to XXXX per month and made the payment due on XXXX XXXX - which I could not pay. I did n't know this until I got a reminder from them on XXXX XXXX. I e-mailed them on XXXX XXXX, and called on XXXX XXXX to get them to correct this error and they refused. They said I had to provide evidence that I was paid monthly, which I e-mailed them on XXXX XXXX. However, they still ran through the payment resulting in a {$29.00} overcharge fee. They have now referred the loan to their collections department. As far as I am concerned unilaterally changing the terms of a contract under the guise of an extension of that contract is fraud. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Your site is not working correctly. It accepted my information and then offered the credit score for XXXX, which is not free. Your site would not allow me to go back to the prevue screen because I am not paying your company anything. I will be reporting this to the XXXX Attorney General 's Office Monday morning. The option to get the report online never appeared. I had to close the site to get it to do anything. Your security letters request was also malfunctioning. When I went to email your company, it rejected sending the email stating there were errors. There were no errors. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX transferred my foreclosure account to BSI and XXXX are reporting on my credit reports. BSI is reporting the BK chXXXX as a foreclosure. They refuse to make corrections. The Bk is 4 years old. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: On XXXX XXXX, XXXX, I discovered a XXXX account ending in XXXX had been re-inserted into my credit file for a XXXX TIME. This debt was XXXX deleted XXXX under the debt collector XXXX XXXX. It was deleted again under Receivables XXXX XXXX. Now this debt has resurfaced again on my credit report under XXXX XXXX XXXX. Neither XXXX nor TransUnion has notified me within the required five ( 5 ) days of re-inserting this twice deleted item. 

According to the Fair Reporting Credit Act, my rights were violated because I did not receive any such notification. Please delete this item immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit report stated that i had loans that i never got. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had a mortgage on my current house and has always been on automatic draft out of my checking account. My mortgage company paid my county TAX bill late ( -- even after several phone calls to them advising them I was receiving late notices ) -This caused my county ( XXXX ) to put a tax lien on my credit report and now I cant get them to correct it. This has hurt my credit rating and I have dropped from an Excellent rating to a Good rating. I have made many documented phone calls and emails to CMC Funding/XXXX will not do anything to correct the situation. I have notified the XXXX XXXX agency and CMC Funding/ XXXX XXXX and nothing has been done in over 2 months. They have paid my Tax Bill late 2 Years in a Row and have not taken the issue seriously. The lack of response has been pathetic. Please Help 

Company response: Company chooses not to provide a public response