AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: The first point was A law firm called the " filing firm '' called to attempt to collect a debt. The person that called was a female first using my voicemail, claiming to be someone called ramerez. The message also concludes that this call is for XXXX XXXX XXXX or his attorney, stating that we have been named in a lawsuit, the first name is also inaudible. The person answering the phone claims to be a person that is allowed to handle the case, because there attorneys are in a meeting at the time you call. At approx XXXX and then goes into a large amount of money for the debt, claiming to owe {$1000.00} and then waits to see what you have to say. 

The second point Stated that " normally your type of accounts are unheard of in our offices and we can give you a deal for aprox {$540.00} an awaited agreement after claiming no money was available to pay. The third point was no conformation of or security questions to show that he had gained old debt by financial or by professioan. The person also stated that after calling him a possible scam and seemingly throwing his arms up that he made the statement it 's people like you that cause a bad economy and you should pay your debt. After stating I would not give him payment and being threated to take me to court, and that I was in trouble with the FDIC and was sued, while then also stating that I was named in a lawsuit, by US BANK. He seemed to have my social security number and was pleased or content. 

The conclusion concerns the professionalism and the handling of his case, Did not believe that he was using security measures by confirming my identity, and just asking for money, and realizing that I was not scared of him using a threat lastly, to be sued, he hung up. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America refuses to deliver credit card statements, alerts, and other communications to my valid email address. I am being denied credit card security and convenience features that their other customers get. My email address is on a domain that is hosted in the XXXX on a XXXX XXXX business Internet connection with a static XXXX address. It has been in existence for more than a dozen years and enjoys a sterling reputation, not appearing on any blacklists for malware, spam, hacking, etc. 

I had previously opened a case about this and there was no resolution. I sent a letter via XXXX mail in XXXX of 2014 ( enclosed ) to their published mailing address. I did not receive a reply of any kind. 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2011 I register to XXXX XXXX in XXXX Michigan, I was told when I was in school and pay the monthly amount of around XXXX $ that my payment will be lower after I graduated. I graduated and after 6 months someone from XXXX XXXX called me and request that my monthly payment would be XXXX {$.00} I never got a job with what I graduated for and hardly making the payment of my loan.I tried putting my federal loan in deferment for two years now. I do n't want my credit to be damage. I 'm just hopeless. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: On XXXX XXXX, I sent a letter to Experian requesting that they investigate errors on my credit report. Today, almost 60 days later, I received a response from Experian stating that my request was suspicious, and they refused to conduct an investigation. They gave me a phone number to call to confirm my investigation request, but I could not reach a live operator unless I purchased XXXX of their credit products from their web-site. I am attaching a copy of the letter that I sent to Experian. You 'll be able to clearly see there is nothing " suspicious '' about my request. My letter is straight-forward, and I even included a copy of my license and social security card to verify my identity. I just think Experian is trying to get out of doing my investigation. 

Company response: Company chooses not to provide a public response
Consumer complaint: The disputed charges stem from disconnecting my service with XXXX because I was moving when I resided in New Jersey in XX/XX/XXXX I received a bill and I have made numerous attempts to receive clarification as to what I 'm being charged for. On XX/XX/XXXX, I spoke with XXXX from XXXX and she did not know what it was. I received XXXX notices from debt collection agencies and I demanded a verification of the debts, which no one has responded to. On XX/XX/XXXX, I spent over XXXX hours on the phone with XXXX agents, including XXXX, XXXX, XXXX, XXXX and XXXX with no resolution. I have copies of all of the letters and notes regarding my communications with XXXX and its agents. I have spoken with XXXX from XXXX and he explained that the debt was for my failure to return a card and an early termination fee. I then sent XXXX proof that that I have sent them the equipment that they claim that this debt is related to. This debt has been reported to the credit bureaus in clear violation of the FDCPA. XXXX and its debt collectors have erroneously reported this debt on my credit and I demand its immediate removal. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a credit card offer stating that I would receive XXXX bonus miles if I spent {$4000.00} in the XXXX XXXX months. I wanted to confirm that I was indeed eligible to receive the miles so before agreeing to the card, I called and had the confirm over the phone that I was indeed eligible. They stated yes, and I opened the account. I then proceeded to spend {$75.00} in fees to charge {$3600.00} to the account so that I would meet the {$4000.00}. I called to confirm it was {$4000.00} and they stated that I would not receive the offer because I had a previous account in the last XXXX months. As I stated before, I had called to confirm this information before opening the account and they lied to me and said that I was eligible. I am now out {$75.00} dollars, have an open credit card on my credit history and would not have opened this account if I could not receive the offer. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am also a debt collector, recently I called Remit Corporation which is located in XXXX, PA. My husband has a supposed bill there from 2007 that has a judgement placed on it by XXXX County XXXX A woman named XXXX who works for Remit has been harrassing us about this bill. While on the phonr with her, I informed her that anything over 7 years old can not be on Credit Report unless recent payments are being made on it. She told me that obviously I have not been doing my job very long because I have no idea what I am talking about. In no way, shape, or form are you allowed to speak to a debtor or a debtors spouse in that manner. Remit has no idea what the bill is for. XXXX just keeps explaining to us that we owe over {$600.00} or there will be a Sheriff Sale on our items in our home.This is totally not right and definitely against FDCPA laws! 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: This debt collection company calls my job multiple times a day and wo n't give any information who there or what they want. It 's embarrassing and they need to stop calling my job all the time. I have asked them to stop calling my place of employment. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I originally sent this dispute ( Case number : XXXX ) and contacted XXXX County and received the attached document showing the tax lien has been paid in full/ satisfied. There are XXXX entries under the public records for this dispute on my credit report. It is under XXXX County Spr Cour and XXXX County Superior Court. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently got almost XXXX taken from my checking account from a 3rd party global collection from Bank of America.. They said it was. " tax levy indiviual " withdrawel from XXXX an audit done on my taxes from XX/XX/XXXX. I also have a mortgage issue with Bank Of America where i pledged my stock to get a mortgage when i got another company to pay that loan, BANK OF AMERICA is refusing to have ever taken my stock as collatorall and XXXX will not speak on it they sold my debt to XXXX XXXX in XX/XX/XXXX! Can you help? 

Company response: Company chooses not to provide a public response
Consumer complaint: I deposited my refund check from the IRS. My bank, USAA, put an 8 day hold on it with no notice. I set up auto-payments for rent, bills, etc based on receiving my refund. Now all of my bills will bounce and I will incur NSF fees, despite having over {$1500.00} in that account. I now have a {$0.00} available balance, despite the money from the IRS being in my account. I have been a customer for over 17 years. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Citibank would not grant approval for loan via XXXXAsked for utility bill but provided a non working fax number to send this information effectively denying creditEarlier asked many questions over phone by non XXXX XXXX speaker and supposedly got XXXX question wrong but would not tell which XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent a certified mail on XXXX XXXX 2015 to National Recovery Agency in reply to a letter I received dated XXXX XXXX, 2015. My letter I asked them to please validate/verify this debt ; I was well within the 30 day period. They responded with a " Itemized Bill that I requested " I do not owe any money to this company. This is just ridiculous. I pay for my private health care. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Case numbers : XXXX/XXXX/XXXXI need to know why my credit score dropped dramatically. 

Company response: Company chooses not to provide a public response
Consumer complaint: I believe Machol & Johannes, representing XXXX XXXX XXXX, knowingly pursued a judgement against me that was past the statue of limitations in Colorado. In addition, the proof of service filed with the court was fraudulent and may have been fabricated. They have not provided me proof of service as I have requested XXXX in writing. There is no judgment or other indication of collection efforts on my credit report as required by the Fair Credit Reporting Act. They refuse to supply me with debt verification, hence I can only conclude that the lawsuit was filed and judgement was obtained illegally. The firm is claiming that I waived the statute of limitations by failing to file an answer prior to judgement. However, due to XXXX their failure to serve me & my ignorance of civil procedure at the time, I did not have the opportunity exercise my right to defend myself. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: number is XXXX in XXXX arizona. claims he is a XXXX and associated with XXXX. threatens to take drivers license, arrest me and other family members. has called every XXXX of my relatives harrasing them. extremely threatening and rude. uses strong arm tactics and attempts to gather personal and sensitve information. threatened my grandmother with arrest and legal action. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I went to court with Como Law Firm and we agreed to a payment plan of {$25.00} per month. The judgment is stayed as long as the payment plan is kept current, which it is. The Como Law Firm has illegally reported this dental bill on my credit report. Not to mention it was not my dental bill in the XXXX place it was my wife 's. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Ray Klein dba Professional Credit Service filed lawsuit in the XXXX XXXX of the State of Oregon for the County of XXXX case # XXXX for medical debts at XXXX XXXX XXXX in XXXX XXXX, OR for emergency room services performed on dates between XX/XX/XXXX and XX/XX/XXXX all of which was well beyond the State of Oregon XXXX year statute of limitation on debt collection. Also claimed principal in the amount of {$4700.00} and interest at 18 % per annum ( double the Oregon allowed 9 % ) totalling {$12000.00} for a total of {$17000.00}. This amount was utilized in the lawsuit to also put the total claim out of the range of small claims court to civil court when the plaintiff was further suing for collectable debt totalling {$2400.00} ( {$1.00} short of the {$2500.00} threshold to be civil versus small claims ). They are knowingly attempting to collect on too old debt, and utilizing that debt to move the case to a higher court that requires higher filing fees for defendant response. They also knowingly provided in the served copy of the suit incorrect filing instructions directing me to the XXXX XXXX XXXX XXXX. They also knowingly included instructions for response to a small claim when they filed in civil court. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been contacted by a collection agency on behalf of CashNetUSA. I asked for verification of debt to be mailed to me, I was instead placed on hold and told that I had XXXX hour to respond to them or they would file charges. I advised that under federal law it was illegal to threaten me. I was then told they know the law and accused me of not wanting to pay a debt I owe. When I stated I wanted to verify I owe the debt and it was n't fraud, I was asked if I have a police report. Advised I do not because they have not sent me written verification in order to do so. I was then threated again that charges would be filed. 

This is a clear violation of federal law. They would not provide me with the company name, instead the supervisor hung up on me. Another violation. I called back and asked for the company name and was only given XXXX. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Nationwide Credit Corporation in XXXX was assigned to collect a debt from us on behalf of XXXX. We were told we had until XXXX XXXX to pay the requested amount. Nationwide Credit placed a lien on our bank account on XXXX XXXX ( 2 days before the due date ) using methods unknown/unauthorized by us to access our bank account information. We paid the requested tax amount on XXXX XXXX to Nationwide Credit, yet they still went ahead with the lien and held that same amount of money from our bank account - so we were charged XXXX. Our bank told us that Nationwide Credit needed to send a release letter to remove the lien. We requested this from Nationwide Credit multiple times on XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX. Each time they promised they had sent it. Our bank did n't receive it until XXXX XXXX and that was only because additional assistance got involved from the XXXX and our banks Litigation department. Nationwide credit illegally put a hold on our bank account in advance of the due date, and then failed to release the funds in a timely or professional manner. 

In addition, if you call Nationwide Credit they will ask you to hold and then let your call drop, they will recognize your number and not answer your call, they will let your call loop through the system and then drop. They will tell you they have sent a fax, but never will, and they will not call you back if you leave a voicemail. 

Company response: Company chooses not to provide a public response
Consumer complaint: Medical debt was paid in full in XXXX of 2015. XXXX seperate accounts for {$54.00}, {$20.00}, and {$7.00} were all paid off in XXXX lump sum payment. The debt collection agency reported the collection to the credit reporting bureaus XXXX months AFTER they were already paid in full, thereby negatively impacting my credit score due to collections accounts that no longer existed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX15RE ; BSI FINANCIAL - LOAN # XXXXPlease help me BSI financial has been giving me misleading information regarding the HAFA Short Sale request over 3 weeks ago, now they are refusing to take my calls and they have a placed a foreclosure sale date without any notification for XX/XX/2015. 

I have provided every single document requested by them and now they are refusing to take my call. Please help me since I have done everything to avoid foreclosure and it is not fair that they are doing this to me and my family. 

Please help meXXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hello my name is XXXX, the reason i am writing you today, is I truly believe i was deceived and scammed by XXXX ... .back in XXXX of XX/XX/2013 I saw a great deal on TV for {$19.00} a month for 6 months and internet for {$9.00} when you bundle them together ... When i spoke to the representative he insured me that this deal was going on ... I very clearly asked him ... if I, order service from you i ONLY want to just sigh a ONE YEAR deal, and i asked can i do that?? ... and he replied of course you can and signed me up for a 12 month contract ... well what end up happening was they lied to me and just signed me up for cable not internet ... .because my bill was {$29.00} a month more then we agreed upon ... and they said you never bunddled so i was over charged and had to fight with them to credit it several times ... when i had enough of the over charges i deiced to cancel there services one month early of the one year contract ... but what i did n't know was when they XXXX installed my service and i signed the giant pack of papers they gave me to sign they roped me into a 2year contract in which i was never informed about and they never told me when i cancelled ... so now they clam i owe them an extra {$280.00} for terminating my contract early plus the collect agency fee, which i been receiving in the mail..and I spoke to someone in there headquarters and they just told me " when you signed the order you agreed to the extra year '' ... sorry..I just found out that the FTC charged them with Deceptively Advertising. so i thought i send you this letter ... .if you have any doubt on what i am saying ask them for you to listen to the tapes you have my permission and thank you for hearing me out. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America sent me a statement that I had a negative balance ( because of fees ) on a savings account I had had open for about 10 years. I rarely had any money in the account, but I was never warned about keeping a minimum balance in the account to avoid fees. Then all of a sudden I was sent a statement that said I had a negative balance because off fees. The only way I was able to close the account was to pay the negative balance. Ridiculous! 

Company response: Company chooses not to provide a public response
Consumer complaint: This collection agency will not remove wrong information they put on credit report, I have sent XXXX letters asking them to validate or remove the debt and I got no response! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: CBS ( debt collector ) is charging a 35 % collection fee that is prohibited in the State of Tennessee. Tenn.Code Ann. XXXX " Collecting or attempting to collect from the debtor any fee, commission or other compensation not provided by law for collection services rendered to a client ... '' XXXX XXXX XXXX XXXX XXXX ( creditor ) has assured me that they are not trying to collect interest or any other fees, only the amount owed ( {$8600.00} ). I have asked CBS to itemize the {$3000.00} in writing and they refer me back to XXXX XXXX XXXX XXXX XXXX and to my original agreement. The original agreement allows the bank to collect interest, attorney and court fees to the extent the law will allow. Section 808 ( 1 ) of the FDPCA allowed the addition of collection fees when " such amount is expressly authorized by the agreement creating the debt or permitted by law. '' I have spoke with XXXX XXXX regarding the {$3000.00} who advised me that is it a 35 % collection fee of the balance owed ( {$8600.00} ). 
This collection agency has had all the information needed to collect on this account. This account was referred to them in XXXX of 2012, and they have not attempted to collect this debt. The {$3000.00} is a collection fee charged by CBS not XXXX XXXX XXXX XXXX union and these fees where not agreed upon at the time the debt was acquired. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XX/XX/XXXX, I settled through short sale my first mortgage ( # XXXX ) and second mortgage ( # XXXX ) with Bank of America ( supporting documents are attached ). 
However, Bank of America forwarded my second mortgage to a collection agency called XXXX Mortgage. On XX/XX/XXXX, I sent XXXX a certified letter letting them know that they were collecting on a settled debt ; however, XXXX continues to harass me with letters and has reported me delinquent to all credit reporting agencies. Bank of America needs to update their records regarding my loan and notify XXXX that I have no outstanding payments or delinquent since this debt was settled with Bank of America on XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have no idea, nor could XXXX tell me why or how this account was opened. I never agreed to pay for money I never borrowed! 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX has reported wrong to the credit bureau regarding payments on XXXX of 2013. The XXXX XXXX as well as all the credit bureaus have inaccurately messed up my credit record. This is more than the XXXX time of having them correct this. Statements attached will show that the payments were made on time 

Company response: Company chooses not to provide a public response