AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My ex husband purchased a boat, but it was done as a joint loan acount in XXXX when we were still married. We divorced in XX/XX/XXXX and divorce papers stipulate ex husband was keeping the boat and the loan attached to it. I moved and had no possession of or contact with the boat again. However, his credit was not good enough and he was unable to ever refinance it into his name and remove my name from the loan. He then stopped paying on the boat loan with XXXX XXXX XXXX XXXX and had the boat repossessed by them. They sold the boat to someone else but at a loss over how much the exhusband still owed. They then listed the amount of their loss on my credit report as a derogatory account and amount still owed them. The ex husband then filed bankruptcy and had it removed/discharged from his record. However, they then sent ME to collections for their lost money ( over a boat I never had ). 

The collections information is below, States Recovery from XXXX XXXX XXXX XXXX. I received a letter from States Recovery and I sent them in copies of my divorce papers showing the debt did not belong to me, requesting it get removed. However it has remained on my credit report. Initially it was {$18000.00}. A few months ago they increased it to {$23000.00}, not sure why. I do not believe in bankruptcy and do not want a bankruptcy on my record. I do not want to have to file bankruptcy over a collection item that clearly does not belong to me.They repossessed the boat and got their property back. They discharged the debt in court when the Ex filed bankruptcy on it. There is absolutely no reason their " loss '' should still be causing me credit problems 8 years later. 

STS RCVRYXXXX XXXX XXXX XXXX, XXXX $ XXXX DetailsLast Reported XXXX XXXX, XXXXCollection Agency STS RCVRYOriginal Creditor XXXXStatus OpenOpened Date XXXX XXXX, XXXX Date -- Responsibility Individual Account. 
Balance $ XXXX Balance $ XXXX Consumer disputes this account information 

Company response: Company chooses not to provide a public response
Consumer complaint: My ex husband purchased a boat, but it was done as a joint loan acount in XXXX when we were still married. We divorced in XXXX and divorce papers stipulate ex husband was keeping the boat and the loan attached to it. I moved and had no possession of or contact with the boat again. However, his credit was not good enough and he was unable to ever refinance it into his name and remove my name from the loan. He then stopped paying on the boat loan with Bank of the West and had the boat repossessed by them. They sold the boat to someone else but at a loss over how much the exhusband still owed. They then listed the amount of their loss on my credit report as a derogatory account and amount still owed them. The ex husband then filed bankruptcy and had it removed/discharged from his record. However, they then sent ME to collections for their lost money ( over a boat I never had ). 

The collections information is below, XXXX from Bank of the West. I received a letter from XXXX and I sent them in copies of my divorce papers showing the debt did not belong to me, requesting it get removed. However it has remained on my credit report. Initially it was {$18000.00}. A few months ago they increased it to {$23000.00}, not sure why. I do not believe in bankruptcy and do not want a bankruptcy on my record. I do not want to have to file bankruptcy over a collection item that clearly does not belong to me.They repossessed the boat and got their property back. They discharged the debt in court when the Ex filed bankruptcy on it. There is absolutely no reason their " loss '' should still be causing me credit problems XXXX years later. 

XXXX XXXXBANK OF THE WESTXXXX, XXXX $ XXXX DetailsLast Reported XXXX XXXX, XXXX Agency XXXX XXXXOriginal Creditor BANK OF THE WESTStatus OpenOpened Date XXXX XXXX, XXXX Date -- Responsibility Individual Account. 
Balance $ XXXX Balance $ XXXX Consumer disputes this account information 

Company response: Company chooses not to provide a public response
Consumer complaint: for weeks, people claiming to work for Integrated Services have been calling me, my wife, my family, and my place of employment threatening to serve me papers at work and at home. I have repeatedly asked them to stop calling everyone and they are very unprofessional and rude. They have made my wife cry several times due to the harassment. They call from many different numbers and are not friendly. they also threaten to garnish my wages, sue me, and threaten that jail time will be considered. I have asked them to send me a post-dated bill to let me know that they are a real company collecting a real debt. they refuse. 

Company response: Company chooses not to provide a public response
Consumer complaint: In my letter dated XXXX/XXXX/2015, I disputed a Judgement on my Trans Union report. I received notice XXXX/XXXX/2015 that it was deleted from my report. 2 days later it was re-inserted back on my report. I have contacted the court listed and they have no judgement rendered under my name! I want this DELETED from my report! 

Company response: Company chooses not to provide a public response
Consumer complaint: Recieved a call trying to collect on this debt but debt is not listed on credit report 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I refinanced my VA mortgage to get a lower rate and my overall loan balance has increased and payments are higher than they were when I originally got the loan. I tried getting it resolved and understand there is some costs but it seems odd to me every time I call I get passed to a different person with no solid answer to why it cost so much and how to lower payment if nothing has changed in tax value. The principal balance is high and majority of my payment goes to interest not the principal. I cant afford to keep making this payments and currently facing possibility of being involuntary separated from army due to force reductions. I am unsure what to do next trying get my payments lowered and some of the fees waived. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I am a Citi Thank you XXXX user. My card seemed compromised XXXX XXXX, 2015, and I requested card replacement with new account number right away. I needed instant replacement, because I pay my bills and use this card for all purposes with my XXXX other family members. As of today, I have been waiting for 11 days since XXXX, however, I have n't received my replacement card yet. So I contacted customer service to acquire the tracking number for my new card and they replied me back as below. 

We appreciate the opportunity to assist you. 
Our records indicate that your card was sent on XXXX/XXXX/15. If this card is not in your possession, we can process a security closure of this account. For proper security measures and a new account number, please contact us. 
If there is any way we can be of further assistance, please feel free to contact us Citi Card shipped my replacement on XXXX?! I assume the rep should n't be trained to advise customers with that way. There is no apology, and the rep is telling me to replace the card again. He/she does n't get my point and does n't care how inconvenient I, their customer, am with this credit card. 
I do n't know how to reach there supervisor, so I 'm posting my complaint here. 

Company response: Company chooses not to provide a public response
Consumer complaint: Home Depot Case : XX/XX/XXXXI found out thru my Identity theft protection XXXX about 4 weeks ago ) that my home depot card had been cancelled by Home depot because of a late payment. XXXX the balance was showing approximately XXXX dollars. I called your customer service because : ( 1 ) I have NOT used that card or shopped at home depot for over 5 years. I tried to explain that to the customer service rep .. but she tried to make me set up payments. I asked to speak to a supervisor and she demanded to know the reason, finally she said she would connect me, put me on hold and after 5 mins. or so the phone went dead. 
( 2 ) I did find out that even though this card is tied to my SSN the address is not correct. The address tied to the card is not known, I asked for the address and they would not tell me. I have lived at the below address since XX/XX/XXXX. I have NOT received any correspondence from Home Depot in years, bills or otherwise. The card has been shredded. The name on that card was XXXX XXXX XXXX. My middle Initial is XXXX ( 3 ) There is clearly some fraud going on here and you have damaged my credit rating. Please rectify this situation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX last 4 SSN ) XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: " consumer debts that did not arise from a contract or other agreement by the consumer to pay '' are no longer supposed to be derogatory marks on credit reports as of the new fair credit reporting laws. 

i joined XXXX last year and saw this mysterious mark on my credit that said XXXX '. i had loaned someone who lives in XXXX my car for a month to help them - but they had never told me my car got a ticket and i had moved so i assume i just never got it in the mail. i wrote the company and said i knew nothing about this fine and that i refused to agree that it was a true debt but that i would be willing to pay the full amount ( plus XXXX $ ) in full if they removed it from my credit report because i would rather not fight about it. they simply then sent me a bill in return - the first i had seen - and tried to up the amount of money they claim i owe without agreeing to remove the stain from my report so i did nothing. 

i just was sent an article recently claiming that credit companies now have to remove such bad marks as parking tickets since as in my case it was not a contract where i agreed to pay and did not. 

Company response: Company chooses not to provide a public response
Consumer complaint: A lot of the info is seven years old and should not be highlightedThings like auto repossions and collections issues that had fall under my bankruptcyThat was filed last year XXXX and since have been DISCHARGED XXXX last yearI file chapter ( XXXX ) bankruptcy, 

Company response: Company chooses not to provide a public response
Consumer complaint: My debit card was charged without authorization from XXXX XXXX XXXX in XXXX, NM. I submitted a fraud dispute with BMO Harris bank and received a provisional credit for a partial amount. 

The provisional credit was then reversed from my account with no warning or proof from the merchant that fraudulently charged my card in the first place for the amount of {$1100.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: CFPB Orders Bank Of America To Pay XXXX In Consumer Relief For Illegal Credit Card Practices, based on this settlement, Bank of America did not pay me any refunds, I had XXXX credit cards with them, XXXX opened on XX/XX/XXXX till last month and another XXXX opened XX/XX/XXXX, I think. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I sent the following letter to Wells Fargo in XXXX XXXX, Iowa requesting detailed information about my escrow accounts : XXXX XXXX, XXXX : Escrow DepartmentWells Fargo Home MortgageXXXX.XXXX XXXX XXXX, IA XXXX Sir or Madam : I request a complete and itemized break down of my escrow payments withheld from my WF mortgage payments going back to the very beginning of our association. 

Please include in your letter ALL escrow you have charged me, including property tax escrow and their individual and separate totals to the present date. 

Please include an itemized and dated list of ALL charges related to escrow of all kinds and any pertinent copies on this subject. 
I expect a reply in letter form within 10 working days. 
Thank you in advance for your time. 

XXXX XXXX XXXX XXXX XXXX, PA XXXX & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; I mailed that letter to Wells Fargo on XXXX XXXX, 2015. 
Federal law states that I have a right to a reply within XXXX working days, XXXX XXXX, 2015. 
On XXXX XXXX, I got a letter from Wells Fargo telling me they would reply XXXX XXXX, 2015. As of XXXX XXXX, 2015 I have not received the requested information PERIOD, let alone within the time limit. 
I demand that Wells Fargo BE SITED AND FINED FOR THIS VIOLATION, and I be compensated for the violation of my rights. Wells Fargo had a long history of illegal violations. The Consumer Financial Protection Bureau has been informed of their practices and have done NOTHING at all. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America sold my VA Home Loan to XXXX. The official loan transfer date was XXXX XXXX, 2015. Bank of America failed to pay city taxes to the town of XXXX, CT in the amount of {$2000.00} by the due date of XXXX XXXX, 2015. Consequentially the town charged an interest penalty. Bank of America refused to pay the {$62.00} payment. 

I spoke with XXXX from the Bank of America tax department at XXXX extension # XXXX. He was unable to help me and said XXXX XXXX should pay even though the official transfer date took place after the payment was due. 

I just got off the phone with XXXX and they said they have paid the payment out of my escrow account and have paid the interest penalty from lender funds not my escrow account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have called BSI to try to get this handled and they would n't report it to credit beau they said it would take them 30-60 days for them to report it. It has already been over 30 days I 've sold my house and they still have n't reported it. They treated me like a 5 year old child and that I have no rights as a consumer. I tell them about the civil liability for willful noncompliance and they laugh at me. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Two weeks ago, we started getting calls from Stellar Recovery from XXXX instructing us to call XXXX. When these calls come, no one is mentioned by name to call them back. We have not received any mailed past due bill regarding this fact. Back in 2008, we took a loan to pay off any outstanding bills-some of these were past due. Since this we have strived to make every payment on time. I have excellent credit scores. We have not called the number per warnings from other victims of this company. I was going to write them, but I do not have their address. I have already turned in a complaint to the FBI online. This seems like a scam to me. Please see what you can do and kindly give me a call at XXXX of a reply to this email. Thank you for your time and consideration ... XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a 30 and 60 day late notice on my credit that was reported by XXXX. I disputed with XXXX and Transunion but was told the credit was validated. I was sent to collections for a balance of {$2.00} from an overdraft protection charge from my reserve line credit account. First of all I paid my reserve line in full in XXXX of XXXX and requested it to be closed. I was then charged a {$5.00} overdraft protection fee in XXXX XXXX. Based on their Deposit Account Agreement I had the option to authorize an " opt in '' from my reserve line for overdraft protection but never approved or authorized XXXX to draft from my reserve line for my checking account. The {$5.00} fee was taken from my reserve line and applied as an overdraft fee for my checking account. I included all documentation to show the transactions. I never received any calls of the fee nor emailed or mailed statements. XXXX took the fee out of my account without authorization and ended up crediting back my account the balance and late fees in XXXX of XXXX ... two years since I requested it to be closed. XXXX is also unwilling to correct my credit score as they said the XXXX notice ws valid ... they did remove the 60 day notice. XXXX has been unwilling to work with me to get this corrected and I feel they reported incorrect info to the credit agencies even after I pointed out their error. Their intentional deception of credit reporting has damaged my credit history and thus would not allow me to qualify for a home loan. I was also told that XXXX could have provided a coutesy removal of late notices but did not contact them in time ... XXXX is deceptive in the credit practices and has taken steps to harm me since this was reported to the CFPB. I also contacted the president of XXXX but XXXX XXXX was unwilling to proect the customer and is willing to allow his company to conduct deceptive and harmful collection and credit practices. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was admitted to emergency after an accident. Information was taken but my name was not spelled correctly so it was rejected and a bill was sent in the wrong spelled name not my name. I called and notufied them and the onsurance company. When submitted to my insurance company it was first denied because of wrong spelling not me. It was later submitted with correct spelling and was paid in full by my insurance company with correct spelling. I have not received any billing since paid in full through XXXX and insurance company. This should be removed from my XXXX credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was being charged for credit monitoring with out my consent from Citibank XX/XX/XXXX-XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX. put a lien on a home my husband and I are selling next month. My name has not been on the title to this home for most of the 9 years we owned it because I was afraid cavalry would do this. But a few months ago we put my name on the title. ( thinking cavalry 's long arm had shriveled back due to credit card debt expiration laws in this state being 7 years ... ) I called them and settled to pay XXXX so the home can sell ). But their practices have been illegal and abusive. 

1. They bought an old debt of mine from around XX/XX/XXXX from Bank of America. I moved to XXXX in about XX/XX/XXXX and they had a lawyer in the state2. that shamed me into sending them XXXX via XXXX XXXX to settle the case. 

3. They never sent me a receipt for the money. OR reported it on my credit report. 

4. In the state of XXXX that debt should have expired. 

5. Now in XX/XX/XXXX they have placed a lein on this house which we are selling and their letter to the Title company states a date of XX/XX/XXXX. Which is falsified. This debt should have expired. 

6. Also, this home was NOT used to secure any debt with Bank of America ( or XXXX ). IT SEEMS that The lien should not be attached to this property legally should IT??? 

Also, in XX/XX/XXXX when they first badged me by phone they sent me a judgment. I was so ashamed ( newly married ) and afraid of being father abused verbally by them in court that I did not go. 

7. I wrote them letters explainable my situation, that I had become XXXX after selling a home in XXXX ( to pay all my credit card debt off!!! and I did pay around XXXX to citicard, etc., but I kept Bank of America because the interest was 4 percent fixed. But alter selling my home I became manic depressive and could not do simple paperwork and the bank of America card never got paid. Of course XXXX did not care about anything but making money from me. ( I NOW know ... ) 8. According to XXXX 's RANDOM and undocumented BOOK-keeping -- - that old XXXX dollar debt they bought from Bank of America around XX/XX/XXXX -- has ballooned ( after their 'legal fees ', 21 % DEFAULT interest ' etc. to almost XXXX! 

I attach images of the paper work. to substantiate my claims. Thank You. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX has reported to trans union incorrectly. XXXX XXXX hospital, for {$2400.00} and also {$70.00} which was in litigation and settled on XXXX/XXXX/15, the law suit in our favor and settled all past unpaid medical bills. They settled from {$63000.00} to {$7500.00} all checks were sent out in XXXX of 2015. This should not be on my credit once let alone 2 times 

Company response: Company chooses not to provide a public response
Consumer complaint: I was required by XXXX ( XXXX XXXX XXXX to obtain a XXXX Signature for a Transfer on Death application. I was unaware that the Bank of America XXXX BOA ), where I have several accounts, dropped this service several months ago. My BOA branch said to contact Merrill Lynch. When I asked whether an account at Merrill Lynch was required, the answer was vague. Subsequently, I found out that one had to drive to an office an hour away and even then open an account. I spent several weeks trying in vain to find out where I could get this service. Finally, I went to nearby banks and found that they all provided XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a line of credit with this company and went to close the account about XXXX months ago at the branch I applied for the credit at. I had a balance of about {$5.00} at the time due to a previous bank error with a different bank. I wanted to pay the deficient balance but wass told not to worry about it. I was told they would wave this fee and that my account would be closed. Today I received a letter in the mail advising me my account was over XXXX days past due. I called the XXXX number listed and was informed that the local branches can not close the account and that there was no attempt to credit my account the deficient balance as previously stated. I was not informed of this at the branch I went to. I did not even receive any phone calls or any other letters at any point to inform me my account was approaching XXXX days past due. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are XXXX accounts on here for a XXXX and XXXX for XXXX XXXX XXXXThe XXXX for XXXX state they are for parking tickets. I do not have any outstanding parking tickets. This information is falseAlso XXXX I have paid anything owed to them already so this should not be listed as well. 

Company response: Company chooses not to provide a public response