AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: A company from another state has made bearing of false witness stating I have a medical bill of {$230.00} that they have falsely put onto MY CREDIT REPORT. Collection agencies that are being SUED FOR False representation WILL SERVE PRISON TIME. I DO NOT HAVE TO PUT UP WITH NOT ONE FALSE CLAIM. The robo calls and phone cramming started XX/XX/XXXX. There were also XXXX text and XXXX photograph XXXX sent to my phone. I sent a REPORT TO THE CREDIT BUREAU 'S on came back and claimed they checked on that bogus white collar crime debt saying it was updated - WRONG. That illegal debt collection SCAM IS FRAUD. Then it was stated that the debt was from XX/XX/XXXX - NOW FROM An ILLEGAL debt collection agency, NO that was not a verification as it was not verified where it came from AND THAT ILLEGAL debt collection agency HAS ALREADY BEEN REPORTED AS FRAUD. AN ILLEGAL update only ILLEGALLY put an ILLEGAL longer time on MY CREDIT REPORT - THAT IS FRAUD NOT A VERIFICATION. Calls have come from a XXXX XXXX XXXX number that started out saying they were a reputable school and could assist ME with any kind of degree I wanted. After I said NO, they kept on calling. I noticed that after awhile, my phone stopped working as well. Calls were not going through or dropped during conversations, I was not getting the full time of 30 days for phone access. My data was not working or saying I used too much data, I DO NOT USE MY PHONE THAT WAY. Then the same phone numbers of ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX - Called WITH A FAKE robo voice AND would NOT respond. Then later started Harassing saying I owed a debt. THIS IS connected to FRAUD from companies that have already ILLEGALLY taken My car and have threatened FRAUD on a house debt - ALL TOTALLY ILLEGAL AND WHITE COLLAR, or BLUE COLLAR CRIME. I KNOW MY INALIENABLE RIGHTS!!!!!!!! THAT STATEMENT IS IN GOD WE TRUST not no man of his selfish ways bearing false witness. CMRE Financial XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: claiming that they a company called American Credit Resolutions and that they are going to arrest me if i do n't pay. 
I made the mistake of giving them my information. 
The original creditor : XXXX gave them {$200.00} i do n't think there legitXXXX XXXX XXXXAmerican Credit ResolutionsXXXX XXXX, Georgia XXXX is the new number 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: third party collection agency garnish my wages with verifying the debt after I sent them a debt verification notice several times 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: US Bank placed an unauthorized inquiry on my credit report XXXX. I never made this inquiry and I never applied for this card. Why and how is this on my credit file? 

Company response: Company chooses not to provide a public response
Consumer complaint: Recently I was notified that Barclays Bank DE had placed an inquiry on my credit report with XXXX. I want this inquiry removed because I have never applied for a Barclays credit card and it was not authorized by me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I co-own a property that I took a home equity loan on with Bank of America ( BOA ). The property taxes were supposed to be paid by myself and the other party. I paid my share, they did not. BOA contacted me informing me that taxes must be paid to protect their interest. I was initially given XXXX days to resolve the issue but was told I could call to request an additional XXXX days if needed before they would open an escrow account and pay the taxes. I immediately went to my attorney and went through a refinance of my current property to obtain the funds to pay off the loan so the property taxes would no longer be of concern to BOA and remain the burden of the " other party ''. I went through a lot to get the refinance done within the additional XXXX days that were granted ( giving me until XXXX XXXX, 2015 ) meetings, paperwork, appraisal and closing costs. When I had the funds available to pay off the loan ( still prior to XXXX XXXX ) I contacted BOA and they told me they went ahead and opened the escrow account and paid the taxes sometime the first week of XXXX! I was shocked and dismayed and was basically told I was out of luck. The burden was now on me and even though I would be paying off the principal amount, a portion would go to the escrow leaving a principal balance still open and therefore not only making me liable for the previous taxes but setting me up to be responsible for any future taxes the other party would likely not be paying as well! My husband is permanently XXXX with XXXX issues and I really can not afford to pay someone else 's bills! Also, we take pride in our good credit and this could ruin us. Their " XXXX XXXX XXXX '' wo n't even return my calls. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am purchasing a car from drive time. I have always made my payments on time for over XXXX years. My payments are {$470.00} a month. I make my XXXX payments a month of {$230.00}. I have recently feel into a hardship. I lost my job and I am having to take care of my mother XXXX and I also have put about {$700.00} in to the car bc it was having issues. I called drive time and advised them that I would not be able to make my payment for ( XXXX XXXX XXXX XXXX ) and I asked for a deferment. The collection representative advised me I was not elligable for a deferment BC I was never late. She stated to let my account fall delinquent and call bk XXXX XXXX. So I did. Another rep told me I could get a deferment and my payment was due. I advised her that when I spoke with the previous rep that 's not what we discussed. She told me I had to mail in my receipt form the work done on the car to try for a deferment. I advised her that when I spoke with the rep bfor she did not tell me I needed to fax those In and they were thrown away. She then transfered me to the rep I spoke with on XXXX XXXX. I advised he that I could not make those XXXX payments until my unemployment started and I would make my payment of XXXX by XXXX XXXX. She stated that she would set the arrangement and that would be fine. I adv he that I do not want calls bc i am taking care of my brother and NOT TO CALL ME. A couple days later i get a call i was unable to answer so i called bk. A rep stated that the arrangement was never set on the acct. I asked to speak with a XXXX i was on hold for XXXX mins. I then explained to the XXXX I was not suppose to receive calls and they did not set the arrangement as stated. She stated she could set a arrangement and transfered me to customer relations. The lady as that time stated she set the arrangement for me to make a payment on XXXX XXXX. I adv her again DO NOT CALL ME. XXXX days later they call. A manager cancaled the arrangement. I called bk furious BC I had told them several times not to call me and felt like I am being harassed and BC they told me arrangement was set and now they want to change it. I adv her of when I could make the payment I would have the funds by then and she wanted XXXX argue with me and tell me I have to pay {$400.00} by XXXX XXXX. I told her there was no way I could pay when I had already worked out the other arrangement and put money in the car. I also adv her that I told her it was against the law to contact me after I stated not to call me and she ignored me and continued to try and collect. I was treated very unfairly by this company and I am speaking with an attorney due to the harassment. I feel like the car should be returned and the trade line removed from my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: My home mortgage was transferred to XXXX ( Platinum Home Mortgage ) effective XX/XX/2015.I was notified in XXXX XXXX, but I have yet to receive a welcome package or payment coupon book from the new lender. I have struggled to figure out where I 'm supposed to send my house payment and how to pay it online. Previous to the lender transfer, I always made my home loan payments online and on time. Today, I was able to find the new lender website through my own research ( www.phmc.myloancare.com ). I very well could have mailed a check to their address in XXXX, Virginia, and it would have been received prior to XXXX/XXXX/2015 XXXX when a late fee would have otherwise been assessed ). I opted to pay online after I confirmed my account appeared to be transferred to the new lender. While processing the online mortgage payment, I was forced to use the one-time payment option as the lender determined my mortgage was past due ( even though they would only assess a late fee if payment was not received by XXXX/XXXX/2015 ). As such, I was forced to pay a {$5.00} penalty for paying XXXX days after the due date of XXXX. Otherwise, I would have setup auto-pay and been done with the transaction. I resent being penalized for making my house payment on time. It might only be {$5.00}, but multiply that by XXXX of people every month and that 's quite a chunk of passive income. I believe this is an unfair business practice and the lender should be prohibited from assessing such fees, especially in the process of a mortgage transfer over which I had no control. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Never had XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, I received an original notice from XXXX XXXX XXXX ( XXXX ) that it was seeking to collect a debt on behalf of HARVEST CREDIT MANAGEMENT ( HARVEST ). XXXX alleges the original creditor was XXXX XXXX BANK ( XXXX ). The amount sought by XXXX was {$13000.00}, and the XXXX account number was XXXX ( see attached ). 

In response I sent a certified letter to XXXX advising that I do not recall owing such a debt, there was no validation of debt received, furthermore, any statute of limitations, if owed, would have expired ( see attachment for further explanation ). 

XXXX did respond advising that it would not seek further recovery and returned the matter to HARVEST. I thought that was the end of an alleged debt where no supporting information was received, or where it had been proven that the statute of limitations had not expired. 

Now, not even a month later, I received another demand for payment, of the same alleged debt, from XXXX ( XXXX ). XXXX alleges its client is HARVEST, and it is seeking {$13000.00} under account XXXX. It is also alleged that XXXX is the original creditor. I allege I do not owe a debt to XXXX, and that HARVEST and XXXX have no right to seek collection from me. If at any point I did have a XXXX credit card it would have been approximately 10 years ago, while living in California, which means any statute of limitations is long expired. I have not had a credit card, with any sort of large spending limit in years. Furthermore, XXXX chose not to send any sort of information backing its position including when the alleged debt was incurred with XXXX or HARVEST, there was no validation of debt. 

It appears HARVEST, XXXX, and XXXX are basically conspiring to collect an alleged old debt, that I believe is not owed. It appears HARVEST and XXXX are " Zombie Debt Collectors ''. As indicated above, this can be confirmed by the fact another company, XXXX, just tried to collect the same just months ago. Finally, I believe Dynamic is attempting to harass me as I had reported XXXX to the CFPB previously. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have just noticed an inquiry on my credit report with XXXX from Macys placed on XXXX XXXX. This inquiry was never done by me nor have i authorized it. I have not applied for credit in over 4 years so this was certainly not authorized by me. Please investigate this and remove it as i do not even have cards with this company. 

Company response: Company chooses not to provide a public response
Consumer complaint: My company filed for chapter XXXX bankruptcy XXXX 2013 and listed the City XXXX as a debtor. A law firm contacted my in about XXXX of 2013 telling me that I owed a debt to the City XXXX for an unpaid business license for 2013 for a company that was closed at the time the payment was due. We had previously closed the company on the City 's business web site. 

At this time I told them in writing of the chapter XXXX filing and asked them to cease and desist all further attempts to collect the debt that was included in the bankruptcy. 

I never heard from them again until a few weeks ago when the same law firm sent me another demand letter for payment even though the debt was included in the bankruptcy filing and discharged. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Phone call received stating they were collecting a debt and I had nothing from them stating what it was for and verifying it was correct. They said they would mail to me but that I owed this money. Less than a week later, they called again and I told them again I still had not received anything documenting what the debt was for. They told me it was sent a week prior and that I needed to contact my post office to see why I had not gotten the letter yet and that I needed to set up payments immediately. I told them I would not do so until I had received something from the post office and it was their responsibility to mail that documentation to me, not mine. A week after, I received another call and ignored it as I still had no documentation. A few days later, they called again and again I let it go to voicemail. A few minutes later, THEY CALLED MY WORK PHONE. This is harassment. The company has not provided documentation and now they are calling my work phone disrupting my job. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a credit card debt with Wells Fargo that I have been trying to pay off for at least the past 3 years. Last year in XXXX of 2014 they gave me a break & stopped charging me intrest on the account due to financial difficulty & I was able to make regular payments on time. However it was only for a year. Now they have added they have added the intrest payments back which doubles the amount I have to pay, on top of which the account is closed/cancelled so I can no longer use the card. For the past few months I have been charged intrest on cash advances & purchases I ca n't make. I also have no way of making payments to the principle credit card debt. How am I suppose to pay the debt off???? 

Company response: Company chooses not to provide a public response
Consumer complaint: Focus receivables management has no right to contact me or my business. I have no debt and they are phishing for personal information they are not allowed to ask for. Social security number. Date of birth. Mothers maiden name. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Bank of America is not reporting correctly on my credit. They included my mortgage in a Bankruptcy when I had paperwork with in my bankruptcy indicating possible re-affirmation. I continued to make payments on time also indicating of a reaffirmation from XX/XX/XXXX to XX/XX/XXXX as per my HAMP modification. This is also not reported. I also paid loan off in full by refinancing and Bank of America is refusing to show the payments from XX/XX/XXXX to XX/XX/XXXX and status of account paid as agreed on credit. They are sure quick to show bad status by will not show anything good. 

Company response: Company chooses not to provide a public response
Consumer complaint: Improper reporting of a XXXX XXXX XXXX account and the sum owed fo an account which I never opened. Challenged this information and also requested proof of service since I do not have the authority to put any service at this residence. 

Also whereas the account held by the XXXX XXXX is concerned I applied and receiveda Forbearance on my account. Therefore the reporting as late payments is incorrect.. Looking forward to an amicable settlement, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: During a recent approval process for a mortgage from a Colorado lender, a credit report revealed that SunTrust listed a XX/XX/XXXX former mortgage, unrelated to me of which I will explain, as " Foreclosed. " This home was clearly awarded in a divorce settlement ( court document provided and highlighted ) XX/XX/XXXX where former spouse was to " ... receive sole and exclusive ownership ... '' would be " responsible for the monthly payment of the mortgage, the home equity line, taxes, and all other debt associated ... '' and " holds the Husband harmless from any liability associated.. '' Furthermore, a Quit Claim Deed ( document provided ) was signed to former spouse XX/XX/XXXX. 
Not only do these documents absolve me but most convincing is a letter ( document [ s ] provided ) dated XX/XX/XXXX " pleased '' to reference the loan " paid-in-full '' by SunTrust 's Lien Release Department accompanied by the Payoff Department 's notarized Release of Mortgage document. 
Despite these clear documents SunTrust states in a letter today that " we determined the account is being reported accurately to the consumer reporting agencies and will continue to be reported in the current manner. This is preventing me from acquiring a mortgage loan and is willfully wrong. Please help. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2012 Bank of America charged me {$750.00} for debris removal. Bank of America never removed any debris. After contacting Bank of America, I was told I was going to be credited the {$750.00} since it was a false charge added to my mortgage. Bank of America has still not yet credited the {$750.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: We believe that our loan servicer ( SPS ) is not following MHA guidelines in connection with their review of our Request for Mortgage Assistance. According to MHA Handbook XXXX XXXX, Section XXXX an Acknowledgement and Incomplete Information Notice " must include a specific date. '' They gave us a date of XXXX XXXX to send in a complete information package. They ignored the XXXX XXXX date and sent us a letter dated XXXX XXXX saying the had received a complete package. How could they say they had a complete package when we had not sent one?????? 
Our other even greater concern is that we believe that we qualify for HAMP and SPS does not acknowledge that we made a HAMP request in any of the letters regarding our loan application review that they have sent to us. We contacted MHA XXXX and they said that loan servicer should first consider HAMP before any other loss mitigation options. Below is a list of HAMP eligibility criteria : ( 1 ) Delinquent on mortgage ( 5 months behind ), ( 2 ) Obtained the mortgage before XX/XX/XXXX XX/XX/XXXX ), XXXX 3 ) Our property has not been condemned, XXXX 4 ) Owe less than {$720000.00} ( {$370000.00} ) ( 5 ) We have not been convicted of any crime in connection with a mortgage or real estate transaction, and ( 5 ) We pass the Net Present Value Test,. We wish that SPS would finally acknowledge this and give us a HAMP loan. Why are they not telling us anything about HAMP when reviewing our applications? SPS did send us separate letters about assignment of an appointed of a HAMP relationship manager. The last time I talked to one of the HAMP relationship managers they wanted us to pay our delinquency or agree to a short sale or deed in lieu of foreclosure. They also said that we could not request a HAMP. I do n't understand that. They have never given us a HAMP so why should we not be able to apply. But these conversations cause me a great deal of stress, and do not wish to talk to any SPS person that has the same old story. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 'm contacting your agency to understand why my account with XXXX XXXX XXXX would be transferred to a collection agency and per the letter from the agency account is in a delinquent status. I understood only collection accounts are turned over to agencies for payment. The letter from the agency is dated XX/XX/2015 and XXXX XXXX XXXX has just processed my latest payment to them on XX/XX/2015.Please advise 

Company response: Company chooses not to provide a public response
Consumer complaint: I bought an investment home the rent was supposed to cover my mortgage right after I closed on the property I was denied access to the property due to a forged deed.I made a title claim I explained to Wels Fargo and told them I ca n't pay the mortgage due to the fact that I ca n't rent out the house.I was told not to worry that I should not pay Wells Fargo and it will not ruin my credit today im a victim of fraud and now my credit shows a whole bunch of missed payments due to the mishandling of wels farg.I have reached out to Wels fargo many times and the they promised to remove the late payments from the credit reporting agencys 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX, I wrote Green Tree Servicing , LLC. to correct the property address on all my statements going forward, and as of today, they have refused to make that said correction. The property address shown under account number XXXX ( first mortgage that they have recently acquired from XXXX XXXX XXXX, XXXX ) is : " XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX '', and under account number XXXX ( 2nd mortgage ), the property address is shown as : " XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ''. The correct address is " XXXX XXXX XXXX XXXX, XXXX, CA XXXX ''. I have been paying for this property since XX/XX/XXXX, and I would like to make sure that the bank is not doing anything fraudulent by not putting the correct address on homeowners ' records. I had wondered in the past why XXXX XXXX XXXX XXXX had allowed correction on XXXX Deeds using liquid white outs. Please help homeowners, like myself, protect our assets by making sure we are not victims of mortgage frauds. 

Green Tree Servicing Loan, LLC has also been incorrectly reporting the actual amount of money received from homeowners. I have recently paid {$560.00}, but they only show {$460.00} as " last paid amount '' on their website. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Im a victim of title fraud XXXX XXXX made the title claim and told me not to pay the mortgage and they will not report any negative enclosed is a copy of the title claim 

Company response: Company chooses not to provide a public response
Consumer complaint: I tried to get a loan modification from BOA for 4 years. I sent documentation over and over and they kept asking for the same papers over and over. In 2013 BOA informed me that it made a claim for payment on the FHA mortgage insurance. My mortgage was sold to FHA, then to a different company. I was instructed to continue negotiating with the new servicing company. Well ... BOA still convinced a judge to send my property to the auction bloc. Isn ' t that fraud? trying to steal someone 's house after claiming insurance money from FHA? 

Company response: Company chooses not to provide a public response