AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: In XXXX XX/XX/2015, I received an alert that a new entry had been made on my credit reports by XXXX XXXX for over {$7000.00}. When I viewed my report, it only said that the original creditor was XXXX XXXX, but no additional information. Through the credit reporting agencies, I asked to verify the information. 

Additionally, I researched the company online and located several numbers that either had recordings ( I left messages ) or no answer. I located only XXXX email address and sent an email requesting a copy of the original bill. None ever was received and I had no contact from them. 

In XXXX, I contacted the Better Business Bureau. They received a response form XXXX XXXX saying that they would contact the original creditor for the bill and forward it to me. It has been over a month since then, and I 've received nothing. 

To date, I still have no idea what this debt is, when it originated, nor who it is from. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a bill from : Receiveables Performance Management, LLC, XXXX XXXX, phone : XXXX, for {$490.00}, for DISH NETWORK. I called their office XXXX times to dispute this bill. I was put on hold all XXXX times. I was never able to speak with anyone. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX Management robo calls our house about XXXX-XXXX times every week for the past XXXX months. They call in the afternoon to XXXX at night. 

It does not say who they are trying to reach, but every time we pick up, it is a machine that says the same thing or leaves the same message on our answering machine. It says who they are, that someone owes a debt and to call them back. Obviously I know I do not owe any debt, nor am I going to call them back. I searched the number and see it is a scam. My number is even on the Do not call list. We keep track of our credit reports and pay everything on time. 

We do not even have our house number listed on any of our loans or creditors, so that is even more amusing. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I pulled up my credit report looked it over and realize that XXXX is reporting to the credit bureau a debt of {$260.00}. I contacted them and let them that I never had services from XXXX. They asked me for my account number which I explained to them that I do n't have XXXX and I was looking at my credit report and saw that there 're reporting to the credit bureau this debt. So they asked me for my Social Security number, when I provided them with that number then they told me that I 'm not on there system and since I 'm not on there system I should n't have to worry about it. So I explained to them that I have to worry about it because it 's on my credit report which is hurting and my credit score. And I explained to them that I wanted to dispute this debt because simply it does n't belong to me. Then they told me to contact the credit collection agency because they no longer have it on their system which is wrong because they 're still reporting it to the agency even though they sold the debt to national recovery agency ( under the fair credit repair act FCRA Once you sell the debt to collection agency you are not allowed to report the same debt to the credit bureau as if it 's a different that debt anyways it is illegal to do that ) which I have contacted numerous of times they kept hanging up on me telling me that I have to disputed this debt with the XXXX and they 're just collection agency. Enclosed in a letter that I sent to national recovery agency requesting information about this debt. What I got back from them is a copy of the bill which does not prove to me that it 's my debt. So if you please help me out because I 'm losing sleep over this matter. XXXX companies are reporting the same that which told belong to me and it 's really frustrating so thank you very much in advance for your help and I appreciate it and hope to hear from you soon 

Company response: Company chooses not to provide a public response
Consumer complaint: I would like to report a dishonest business practice of XXXX. The bank has charged service fees on my accounts without my consent. I had a checking and saving account with XXXX before and now they merged into East West Bank. XXXX of my accounts have been charged service fees every month after they merged into East West Bank without any notices. On XXXX XXXX, 2015, I talked to the branch manager ( XXXX XXXX XXXX ) in person and explained the situation to him and hoping he could give me some help. However, he was not helpful at all. He refused to credit me back the service fees and tried to put the blame on me instead. I was shocked by the dishonest business practice and the lack of professionalism of the branch manager. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Received declination of credit from a credit card I attempted to open. Rejection letter stated Experian 's phone number as well as " Report Access '' link and include a XXXX digit " reference number ''. When attempting to receive complimentary copy of my report that resulted in this decision, tried both Experian 's phone number and website link. 
After carefully entering my ( correct ) information, Experian 's phone system said they could not retrieve my data and I must submit my request in writing. There was no way to access an actual operator to provide them with the Reference Number ( which presumably should have made finding my report quite easy ). Instead, it simply repeated the mailing address and necessary supporting documents. When going through the experian.com/reportaccess site, I also received the same denial of accessing it through their online system, and was told to submit my request in writing to the same address. 
It 's ironic to note that Experian does not accept mailed credit card statements as proof of address ; given how many people are using electronic statements only in this day and age, it 's not always easy to find XXXX of their accepted forms of mail. 

I will note that I have ALWAYS received this type of complication from Experian, also while trying to claim my free annual credit report as required by law. 

I assert that Experian purposely makes their " Free '' system hard to retrieve reports from, in an attempt to get people to purchase their reports instead. I have no doubt that if I signed up for their credit monitoring service for a hefty fee, they would somehow " magically '' locate my report. They are simply trying to leverage the laws in place for consumer protection to grow their business. 

Company response: Company chooses not to provide a public response
Consumer complaint: Complaint : I purchased a XXXX XXXX Air Fryer from XXXX XXXX XXXX XXXX XXXX XXXX which is supported by XXXX Bank. After having made XXXX flex payments on the XXXX payment I paid the total balance off bringing my account balance to zero. I have not purchased any other items. 3 months later I received a call from XXXX Bank / XXXX who stated that my account was now in a delinquent status and that I now owed {$170.00} in past due payments. After being transferred to different departments who all stated that I owned {$170.00}, even though I had previously paid off the balance. In order to protect my credit score I paid what was told to me that I owed despite the fact that I had paid the entire balance and requested that my account be closed immediately. Unbeknown to me XXXX Bank had reported to all XXXX of the credit burrows that my account had been delinquent, which has adversely effected my credit score causing it to drop XXXX points. 
I have enlisted the assistance of a consumer credit repair company ( Cure My Score ) to send out letters disputing this on my behalf. When I received an unfavorable response from Experian, it was advised that I contact your agency as to correct this injustice. 
Both XXXX and XXXX have both cooperated however Experian continues to report this negative information on my credit report which continues to adversely affect my otherwise stellar credit history. I have recently received higher interest rates on purchases along with being denied credit due to Experian stance for not removing this from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit was repaired, I have a fraud alert and now myscore will not appear. It states I have no credit when in 2013reported a XXXX credit score. unable to get a clear answerfrom the credit bureau. SS said I can get a new SS #. 
I have also gotten married XXXX/XXXX/2013 new last name XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit Center Inc has threatened me with legal action if a debt, that has been proven unverified by the bureaus, is not paid. It states I have 14 days to make payment or reach an agreement or the account will be forwarded to an attorney for legal action 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 've attempted several times through phone calls, letters, and emails - even the XXXX - to verify this debt that Financial Services claims I owe. However, they have never responded, not even to the XXXX. 

This is no verification - which I am entitled to - that this is a valid debt. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: My father is a XXXX veteran XXXX. Recently his XXXX van broke down and needs to be replaced. My father is XXXX XXXX and receives benefits from the VA. He has the funds to purchase a van, but with his XXXX, it does n't need to be brand new $ 20,000- {$30000.00} vans from car lots. I have been finding great deals from individuals that have lost loved ones and no longer need the vehicles. THE PROBLEM we are running into is the vehicles are not appraising through kelly blue book for the loans, because the banks will not consider the XXXX adaptions that have been added. I even had the receipt where the equipment was added in XX/XX/2009 for {$30000.00} for XXXX of the vehicles i was trying to purchase for {$11000.00}. and they still denied it because the plain van only booked for {$5200.00}. What about the {$30000.00} that was added to it??!!!! I am amazed that dealers can sale these at car lots and will go right through the bank, but someone that needs to sale it for hardship and MY FATHER NEEDS IT!! i do not want to go out and buy a {$30000.00} car for someone that is as sick as my father is. Then i will be XXXX of these people that ca n't sale it to anyone BECAUSE banks wont loan on them. 

Company response: Company chooses not to provide a public response
Consumer complaint: The company is Receivables Performance Management, LLCThis company is trying to collect on XXXX cell phone bills that I do not owe. And they do not have the right to practice debt collection in Texas. I have sent them letters but they keep reporting that they have validated the debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: RE : Additional Fees in amount $ 250.00Time and time again I am continuously filing a complaint again BANK OF AMERICA HOME LOANS. 
I am fortunate enough to have an outstanding program like SAVE THE DREAM to nurture my frustration ; however BANK OF AMERICA is continuously trying to abuse the system. I was informed by my counselor ( XXXX XXXX ) at working in our neighborhood that I must monitor all payments. Before applying for service I was informed that working in our neighborhood/Save the Dream would contact my mortgage lender ( Bank of America ), for the total amount including attorney fees, pass due fees etc. This would have me current and up to date on payments! WELL THAT IS NOT THE CASE! Bank of America provided the total dollar amount to Save the Dream to have me current in the amount of {$17000.00}, for XX/XX/XXXX, however Save the dream was billed {$18000.00} which was paid to Bank of America. I received an additional statement from Bank of America for the month of XX/XX/XXXX in the amount of {$1400.00}. The XXXX prior payments have the following : Additional Charges Overdue payments, fees and charges for XX/XX/XXXX {$330.00}, XX/XX/XXXX {$330.00}, XX/XX/XXXX {$250.00}, XX/XX/XXXX {$250.00}, XX/XX/XXXX {$250.00}, and XX/XX/XXXX for {$250.00}. 

When I notified Bank of America customer service department transferred me to their foreclosure department who informed me that those additional fees are for attorney fees, foreclosure fees etc. I informed her that those fees were included in the payoff amount to get me current. Needless to say nothing was resolved! I believe that BANK AMERICA is abusing the system/program and need to beinvestigated. The following document is my current mortgage statement. Also I have listed some of my current complaint claim number below : Attorney General # XXXX ( Fiscal XX/XX/XXXX ) Federal Trade Commission CLAIM # XXXX Attorney General claim against Countrywide Home Loan XXXX # XXXX Consumer Financial Protection Bureau Case # XXXX Federal Trade CommissionXX/XX/XXXXI called Bank of America because I did not receive my XX/XX/XXXX statement, however they informed me that XXXX payment has been made and my next payment is not due until XXXX XXXX, 2015. I informed XXXX at Bank of America that I still would like my XX/XX/XXXX statement. I called Save the Dream and spoke with XXXX who informed me that they have made my payment to Bank of America in the amount of {$1100.00} and the additional {$250.00} for XX/XX/XXXX payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received a message from the receptionist at my work from XXXX a XXXX XXXX, she left a message advising it was in regards to a legal matter and I needed to return her call. I did call and she said I will be sending a XXXX legal form to your place of employment. I advised her not to call my employer or send any communication, she then hung up on me. I called back and she said, well its going to employer today. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Took out a loan with western sky for {$2500.00}, and immediately they turned it over to XXXX. Paid {$290.00} over 16 months ( {$4700.00} ). I realized I could no longer pay this ( behind on mortgage/utilies ) and that this extreme interest is illegal in my state ( Georgia ), requested they stop the ACH and we come to an agreement that they 've received their {$2500.00} already and then some. This was either XX/XX/XXXX or XX/XX/XXXX. They stopped the ACH debits, but are still trying to collect {$7000.00}. Do they have the right to collect? 

Company response: Company chooses not to provide a public response
Consumer complaint: I am receiving calls from Progressive Management Systems about an outstanding bill that my ex-husband owes for my son. I have asked the company to remove my name and telephone number, but they continue to call. 

I refuse to pay this bill because my child 's father is responsible for this bill. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Dear Sir or Madam, I have contacted this company Franklin Collection Services and ask this company to removed there negative report from my credit report however they stated that there was nothing they could do to help me. this is not a debt I own to this company. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am recently married and my wife has filed a bankruptcy for debt aquired before marrage. My current home loan serviced by XXXX has been flagged and transferd to the collections/bankruptcy department. My wife is not on the deed, she is not on the loan. I have an XXXX credit score and my loan is current. I would like to apply for a second home loan, but this situation will be a roadblock, potentially costing me several thousands in interest if I cant take advantage of cerrent rates. I feel this is a mistake on dovenmuels part, and they are doing nothing to correct the situation. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/15 I walked into XXXX and asked to be disconnected at the same time I paid XXXX ( {$70.00} ) the bill I owed and asked to be billed the balance. Until today, XXXX/XXXX/15 I have not had XXXX attempt to contact me from the XXXX. Today I received a COLLECTION NOTICE asking for payment on behalf of XXXX. I called XXXX to verify that they had all my personal information correct and still active, which they did. They could have emailed me, send me a bill by post, call me on the telephone or even text me on the phone! The " supervisor '' that I spoke with had no reasonable explanation for this outrageous conduct and ( I believe ) attempt to purposefully affect my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a fraud complaint after discovering that my daughter had been skimming money out of my bank accounts,XXXX. The bank, Suntrust, after issuing new debit cards, said I was good to go. They had also promissed to return any fees incured. After returning 72 $ of XXXX {$.00} They closed my accounts, without informing me. I am a XXXX veteran living on social security. XXXX is delivered on the XXXX of each monty.The provisional credits were finalizes. It will take me a month to get it back. They are denying me the money that is left in my accountssaying I have to wait 14 business days to get it back. I have no food. My daughter and grandaughter are dependant on me and I dont have enough for her diapers. They also are not returning the other 72 $ of fees XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Ga XXXX. Suntrust account # XXXX will be needing food bank help by the weekend. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been monitoring my credit carefully for the last 6 months. I am applying for a home loan. I was notified today that Progressive Management XXXX is now reporting a new collection account for a medical bill. I have been at my address for over 2 years and I have not received a single notice or call from Progressive to validate this debt accrding to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). They have made no attempt to obey the law. I have faxed them a request to validate the debt and a copy of their HIPPA compliant agreement with the creditor. I have not had any medical bills that would fall under this category so I believe they are simply re-aging this account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There is a previous complaint about this company from me. I am writing because my parent 's savings account was levied by Messerli & Kramer. The bank got their notice on XXXX XXXX, mine was n't mailed until XXXX XXXX. I received the paperwork on XXXX XXXX, and the money was already removed before I had the chance to file an exemption. I also filed an exemption with this company on XXXX XXXX, 2015. The savings account that was levied only has my name on it in case something should happen to my parents. We are clearing that end up at the bank, but the fact remains that I was NOT allowed proper time to file my exemption with them before they sent the form to the bank. This happened once before, years ago, and I did file a complaint. 

I have been making my payments. They claim they did not receive the XXXX payment, and I know the first XXXX payment did n't make it through the bank so I immediately re-issued the payment and then continued on in XXXX. Their amounts do not reflect the proper amount owed on the account. 

I KNOW that they have to provide me with enough time to file my exemption in the case of a garnishment or account levy. They will claim it was a different account number, however, all amounts show the SAME account number. I feel I am being harassed nonstop by these people, after we have made an agreement. Please make them STOP!!!!! I am TRYING to get this debt cleared up, repeated attacks from them after we made an agreement are not helping!!!!! 

I am attaching documentation, however, I am not attaching every receipt, as you have all of that from my previous claim and I doubt that you want to read through it all again. I WILL provide it if necessary. I have provided the garnishment/levy notice, the date it was postmarked, the date the funds were levied from my PARENT 'S account and the original settlement letter. Please let me know if you need anything else. 

Thank you so much for your time! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Today XXXX/XXXX/XX/XX/2015, I contacted Stellar Recovery XXXX to resolve an acct my husband has outstanding. My call was directed to an employee named XXXX XXXX. Upon initiation of this call with XXXX XXXX I asked to see if a check had been received, that was sent out XXXX/XXXX/XX/XX/2015, to settle the acct in full. From the beginning XXXX XXXX tone was condescending and demeaning. He XXXX informed me the acct had been settled and then immediately retracted his statement saying that it was not settled because the company no longer handles the acct and any check received will be declined. He further stated, in his words " That 's why you should make payments over the phone when we call ''. I asked for clarification as to who now handles the acct now. He did not immediately relinquish this information, which then lead me to ask for his name and to speak to his supervisor. At this point XXXX XXXX began to berate me in a unprofessional/unwarranted tone. He told me a supervisor was not available to speak with. I then asked to speak to another employee, to which he did not agree but threatened to terminate to call. After approximately 5 minutes of back and forth with XXXX XXXX requesting to speak to another employee I informed him that I am 8 months pregnant and did not need any extra stress. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I made contact with Quicken Loans regarding a potential mortgage ... ..they provide no way to unsubscribe from their email distribution list. Also, even when you are emphatic that you do not want any of their services, they will not stop calling you on the phone. 
I would never recommend this company to anyone, they are a nuisance. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been in contact with the Citibank to settle their Sears Master card, as they as they promised to take a small sum. But without giving me a chance, they have been addingbeen adding late fees, interest, etc., every month to furhter inflate the total balance. Their customer service does not help, nor theirsenior officials. 

Company response: Company chooses not to provide a public response