AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: a manager of an apartment complex was trying to charge me XXXX dollars after I paid my last utility bill all of my 12 months of rent were paid up in full and so were my utility bills. But when I was paying my last utility bill as I mentioned above he was assertively charging me the XXXX dollars. In shock at the very outstanding amount I asked the manager why? and for what? The manager then replied that it was because I had kept the key to the apartment for four days, and that every apartment complex would have charged me the same amount for the key because it was a rule which in fact that statement is false. I told him I would agree to pay for the key if that were the case, but XXXX dollars is not even reasonable for just a key. he asked me for my information as a forwarding address and I gave it to him saying he was going to send that amount for XXXX to the collections dept. I told him that, that was illegal misrepresenting such information, such amount, and such barbarity. Once I talked to the debt collectors and disputed it with them they were saying that the manager was charging me for only XXXX dollars. so I am confused. Why are the debt collectors only charging me that from his end, but yet at the time of the whole dilemma he was trying to charge XXXX dollars. to me, because I am the victim he was only trying to get fast and quick money from me but because he did not give me a real legal reason that day and moment as to why I owed him that amount other than blaming it on the key. the debt collectors are saying something completely different as well. they are saying that some is for unpaid utility bills for dirty rooms, unpaid rent etc ... etc ... which in fact are very false and fabricated. it has cause me much headache in these past few months because I started with XXXX credit and only after 2 years I have XXXX as my credit score, because of such false reclamations by this angry manager my credit is not as well as it potentially could be. it is not fair that because he has the authority and access to manipulate my credit in such way only because I would not give in to his greedy and blackmailing ways to tarnish my hard earned credit. the manager position in an apartment complex has a lot of responsibility and this man was not fair nor responsible in handling my business nor addressing any situation with me that day other than threatening me with my credit to give him XXXX dollars for which I did n't know what it was going into nor what for. that is why I do not owe this ridiculous amount. he should be the one to pay the debt collectors for their time and hassle of coming to me with something they are taking as a delinquency and I know is a false blackmail strategy that affects me in one way or the other I am personally damaged and financially damaged because of this and I will not tolerate it anymore. I want to take the respective action to have this dispute resolved as soon as possible so I can move on in a positive manner with my credit and my financial stand point 

Company response: Company chooses not to provide a public response
Consumer complaint: i have had no knowledge of debt with enhanced recovery corp or XXXX. I am requesting that they either provide me with an original copy of cell phone contract or remove there collection account ( s ) from all of my credit reports. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had previously used a 0 % interest check, in which for several months I had abalance, and I did make timely payments. During XX/XX/XXXX that balance was paidin full, ended with a XXXX balance. My XX/XX/XXXX statement shows a startingbalance of XXXX, I made a couple purchase transactions during XX/XX/XXXX, and alsoa partial payment on my account. I should have had an ending balance of {$40.00}, although I was instead charged {$1.00} minimum interest, as I had abalance I was told, even though the credit card agreement clearly states Ican avoid paying interest if I pay for purchases in full during the billing cycle. 
So the way I understand it, I would have until the due date to pay the $ XXXXto avoid interest. It was later explained that their systems calculated interestif the account was " coming off of a 0 % promo '' even though it had been paid infull timely. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Company continues to negatively impact credit and violate both FDRA law and FCRA law while refusing to remove debt having XXXX nothing to do with me or agree to validate supposed debt 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX 2015 : I called to make a payment on XXXX, asked the rep directly if they could waive any of the late fees from previous months since I was catching up from being XXXX payment behind. In previous calls trying to catch up I asked if I had late fees to pay and reps at times said no. What they really meant was you do n't have to pay them now. Slightly inaccurate when a customer ( me ) asks what is my late fee or when does it apply. 
Last XXXX XXXX, I called to make a payment ; the young lady said late fees go into effect on the XXXX so I could have a manager call me back. Wrong! Yes a manager could call me back but a late fee was applied to my account {$28.00} for waiting to hear back from a manager. I still offered to make a payment Thursday the XXXX so it 's Super upsetting to incur any fee for something you ask about directly and are misinformed about. 
She was wrong about the late feeShe was wrong about having a manger call me back. Someone called saying they were from US Bank and left vm with general XXXX numbers and no name. so I had to call back XXXX and start the request for manager to call back all over again. 
This is all happening so fast my XXXX credit rating has slipped below XXXX. Thanks US Bank for making it so difficult to get accurate information about payment and fees information. Your reps are wildly inconsistent. 
Are they trying to drive customers into further default? 
Is US Bank trying to cause consumers to default on home mortgages and they foreclose on them? 
I 'm back to work as will be paid in full as of XX/XX/2015. How about the rest of their customers who are n't as fortunate and have to go through the repeated misinformation and delays associated with trying to get right information and make right amounts of payments to get out from default. God bless ... 
Please advise ... 
XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: At XXXX on the XXXX of XXXX, 2015, I received a call from a collector from Barclays Bank representing Barclaycard . The phone number that they call from was ( XXXX ) XXXX. I told the lady she was calling before XXXX eastern standard time, she hung up. I called back and the man I.D number XXXX claim that the lady that called me was I.D XXXX, and they were located in the XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have spoken to Bank of American concerning this paid account several times. Last year they told me it would be removed. It is a charge off which is incorrect. I am applying for a mortgage and need it removed. This has been on my credit bureau since 2010? 

XXXX XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been disputing and requesting validation of a debt I do not owe for nearly a year now and Experian has not only been evasive, they have never once provided the requested and official documentation required by law, in reference to the following accounts : XXXX XXXX XXXX Acct # : XXXX since XXXX 2014, and XXXX Acct # : XXXX since XXXX 2014. 

Not once have they provided me valid proof that it was mine NOR that I had a contract with either of these company. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I have repeatedly asked them to provide the following, below ( items XXXX ) but would not disclose how they got any of my information in the first place:1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 

This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean up and report accurate, fair, and verifiable information, they are not doing their job. 

Company response: Company chooses not to provide a public response
Consumer complaint: GOOD MORNING, I have a newly created loan with the BANK OF THE WEST, I put down {$8000.00} on XXXX/XXXX/2015, the payment was {$540.00} monthly, I was told if I put down more money {$12000.00} the monthly payment would be lowered to {$400.00} monthly with a new contract superceding the XXXX contract that was to be destroyed, however I received notice that on XXXX/XXXX/15 due is {$540.00} and when I call Loan officer XXXX XXXX XXXX XXXX XXXX Bank of the West, XXXX states that in his notes he wrote to disregard the XXXX XXXX/XXXX/15 contract that XXXX/XXXX/15 contract with addition money from XXXX was to lower payment to XXXX and this was the loan to be processed, I ask XXXX how this happen XXXX replied it was an error, I asked for a letter stating the that XXXX contract XXXX/XXXX/15 was supercede by XXXX contract of XXXX/XXXX/15 was the bank error of which I have not received and BANK OF THE WEST loan officer XXXX XXXX REFUSES to return calls to me .however a XXXX XXXX XXXX Bank of the West XXXX XXXX XXXX has contacted me, on behalf of the credit dept, and I ca n't get a answer to my issue which is pressing, My concern is if I make payment of {$540.00} on XXXX/XXXX/15 which I 've received notice for of which this loan application was to be destroyed as per XXXX XXXX that the superceded loan application of XXXX/XXXX/15 for {$400.00} will be demanded of me thus having to pay XXXX loans for the XXXX RV motor home when asked of XXXX this she replied I ca n't answer that I don ; t have the second superceded loan application yet, now I 've call XXXX at Bank of the west and left a message that If XXXX call me with fax # I would fax to her the XXXX contract XXXX however I XXXX is not returning calls either, I am very much afraid that I will be paying to loans to the tune of over {$200000.00} and I ca n't get answers but {$540.00} is due on XXXX/XXXX/15 and then {$400.00} on XXXX/XXXX/15, I feel I am the victim of the banking industry predatory nature, I be grateful if CFPB would look into this, there is also a inquiry ref. # from a call to CFPB # XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a Sears Card ( Citi Card ) that i never used that Sears charged a snowblower warranty charge to. I never got a bill from Citi Card but months later i got a " my account is delinquent '' call which i then informed Citi Card that i never activated the card and it was still sitting in the envelope and that Sears charged the wrong credit card. The Citi Card Manager and Customer rep were able to remove XXXX of the XXXX month late fees and i paid the entire bill off while on the phone with them and also closed/canceled the card since i never used it nor was i going to use it. This is XX/XX/XXXX. XX/XX/XXXX i got a call that i owed like {$14.00} or {$18.00} for additional fees on this account that i fully paid off and closed. The customer rep was able to remove {$10.00} or {$14.00} but had to put a request in for the remaining {$4.00}. He saw the account activity and said it was a problem with Citi 's system and that i t is not my fault that after closing the account the system was charging me additional fees. Apparently the request for the last {$4.00} did not get approved as i was called by a collection company, XXXX XXXX XXXX today. This is ridiculous that after XXXX months i am still having to deal with Citi Card 's system issues and {$4.00} on a fully paid for and closed account 

Company response: Company chooses not to provide a public response
Consumer complaint: My wallet was stolen or lost a couple of years ago and someone deposit fake checks into my account which resulted in a overdraft fee and closing off my account. I tried to explain to the bank that I was not at fault and I was the victim but they would n't listen. The XXXX reported me to chexsystems. I paid all the fees although I was n't responsible and still no help. I told them you have cameras in your banks if you look maybe you can catch the real the if now I ca n't have an account for seven years please help. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been contacted by a collection agency that never leaves a reference number. I have always had to call them back. Most of the time I get the same collection 's rep, who always says she always leaves a reference number and if I ca n't give her a number, she ca n't assist me.. Once I got another rep. I gave my address. 
She said the issue had been solved. The agency continued to call. I do n't know who I could owe. I would hate the debt to grow because of non-payment. How can I get information on who I may owe without having information and without giving someone I do not know my personal information? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX # XXXX****This information has been re-inserted and re-aged. Please Delete. 

Company response: Company chooses not to provide a public response
Consumer complaint: Sears Master Card from Citibank has a points program " Shop Your Way '' which supposedly tracks your purchases, provides a " pin '' number for use during the purchase and tracks what you spend and applies the " accrued points '' for use on your next purchase. This is a joke. It does n't work properly and when you try and resolve anything, nothing happens. Sears does not manage the program. It signs you up automatically and does n't assume any responsibility for errors through Sears ' " customer service ''. 
I have been attempting to find answers for two business days and all I get is a '' robo '' e : mail telling me to check their website. Talk about going around in circles. I do not recommend Sears for anything and will cancel my charge card there. I 'm sorry I ever agreed to open it. Not to mention the interest rate is horrendous. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2014 I received communication dated XXXX XXXX, 2014 regarding a past due amount of {$150.00}, with additional " interest '' of {$9.00}. 

On XXXX XXXX, 2014 I notified debt collector : " the communication you provided is vague and does not contain the necessary and specific information needed for my review. The Creditor name of " XXXX XXXX XXXX '' is ambiguous, vague and does not specific what this collection attempt is about. " Also requested and advised the debt collector : '' Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide the details of : The alleged amount owed to the CreditorClearly outlined and specific details as to the reasons of the chargesContact information of the original Creditor for verificationDates of service reflecting the chargesServices provided on the dates of the incurred chargesDocumentation substantiating the chargesProof of serviceAny resolution agreement with CreditorMethodology of your arbitrary interest amount added to the alleged past due amountProvide me with copies of any papers that show I agreed to pay what you say I owe ; Proof the Statute of Limitations has not expired '' I have not received any of the verification or any communication, the collector has proceeded to wrongfully submit negative credit information to the credit bureaus. 

I have advised the Collector on XXXX XXXX, 2014 : '' If your offices have reported invalidated information to any Credit Bureau 's ( e.g. Equifax, Experian or TransUnion ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices ActDefamation of CharacterIf your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Any attempt to report this ambiguous and alleged collection attempt to any credit bureau will be reported to the Federal Trade Commission and the applicable court of law to seek restitution for damages to a credit history. '' 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been disputing and requesting validation of a debt I do not owe for nearly 4 months now and EXPERIAN has not only been evasive, they have never once provided the requested and official documentation required by law, in reference to the following accounts. IN ADDITION THE OTHER XXXX BUREAUS XXXX AND XXXX HAVE ALREADY REMOVED THE ITEM in question, so it appears EXPERIAN wants to play by their own rules. The item on my credit report XXXX acct # : XXXX is falsely showing. Not once have they provided me valid proof that it was mine NOR that I had a contract with either of these company. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I have repeatedly asked them to provide the following, below ( items XXXX ) but would not disclose how they got any of my information in the XXXX place : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. 

I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean up and report accurate, fair, and verifiable information, they are not doing their job. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed an account on my credit report with XXXX, because they have not been able to provide me with specific account information and violated the XXXX code by ignoring requests for validation they agreed to remove the account from my credit report. They stated that they have submitted request to remove the account and in addition I have also disputed the account with the XXXX credit bureaus. I had also provided Experian and XXXX with a copy of the letter stating they would remove the account from my credit report, yet they XXXX verified the information as correct. They did not even review the information that i added with my dispute. In additionXXXX has not followed through with their remedy. i have attached a copy of the letter. 

Company response: Company chooses not to provide a public response
Consumer complaint: Collection company keeps calling my work phone number ( XXXX ) over the past four weeks. They call asking to speak to XXXX XXXX. I have told them every time they have called that there is no person named XXXX XXXX, and that they are, in fact, calling XXXX XXXX XXXX. I have requested they remove this number from their calling list. They have said they would, and yet they call me every week. They call from XXXX, I have recorded phone calls telling them that there is no one here by that name on XXXX and XXXX, but they have called on multiple occasions, probably XXXX times in total. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I disputed an account on my credit report with Enhanced Recovery services, because they have not been able to provide me with specific account information and violated the my rights by ignoring requests for validation they agreed to remove the account from my credit report. They stated that they have submitted request to remove the account and in addition I have also disputed the account with the XXXX credit bureaus. After stating that they would remove the account, the account remained and was actually verified with the credit bureau. THIS IS ILLEGAL!! Enhanced recovery has not followed through with their remedy. i have attached a copy of the letter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Pulled credit report XXXX 2014 and saw XXXX Collection Account ( for XXXX ) that I was unaware existed. Had moved XXXX and guessing that 's why I did n't get final bill. On XXXX XXXX, 2014 at XXXX ( sitting in Hotel in XXXX TX ) spoke to Billing Dept. XXXX. Was told that to clear collection would need to pay {$220.00}, this I did using my debit card. Rep on phone stated computer issues and payment may not post until XXXX/XXXX/14. Payment indeed presented to my bank and was showing paid on XXXX/XXXX/14 to the XXXX XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX both deny receiving payment. Tried to lease apartment for job purposes and was denied due to this still showing on my credit report. My bank traced the payment to the XXXX XXXX as noted above. 

Company response: Company chooses not to provide a public response