AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: The account listed as an open collections account listed under XXXX AD in the amount of {$860.00} is incorrect. This account should have never been placed in collections to start with. Also, it was disputed in XX/XX/XXXX 2014 and to be removed at that time. As you can clearly see from the attached documentation, I do not, nor have I ever owed this money. My health insurance plan at the time offered a {$1000.00} PPO discount with XXXX XXXX XXXX XXXX original creditor ). This left me a balance of {$320.00}. I was told XXXX that I only needed to pay {$300.00}. My cancelled check is attached as well. Please remove this account from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I could not find the exact " describe the issue '' choice, but Atlantic Finance threatened me that unless I made my payments via a monthly electronic payment system, they would sell my debt to a company that would add more interest until the debt was paid off, therefore dramatically increasing the amount of my debt when I agreed to payments but only wanted to pay by USPS money order. 
Said my credit would get a negative report if I did n't pay electronically. 
XXXX XXXX and his " supervisor XXXX '' Harassed me and used threats of credit harm if I did n't open up some kind of electronic XXXX card payment system to make my monthly payments. So, at much hardship and more expense I did open a pre-paid credit card and made my first payment. The very next day I received hard copy correspondence from Atlantic Credit and Finance that included a payment form for paying with a money order or check??? OR electronic CC payment IF I CHOSE. 
I am a XXXX year old totally and permanently XXXX Veteran, my total monthly income is from my VA XXXX pension which is less than {$1100.00} ANY extra expense is a extreme hardship on my financial abilities, and I explained this to Atlantic Finance when I stated that I only wanted to pay via money order or check to avoid any electronic fees or give any of my private financial information to a collection agency because of all the reported harms done by collection agencies to others when they provided personal financial info unrelated to the debt. 
I agreed to make the payments to protect what little credit I have, even though I felt in principle that the original debtor XXXX XXXX, had broken a agreement with me for payments when I was ill and could't keep up with the full payments but offered " good faith '' payments until my health would allow me to catch up. I fulfilled my part of the agreement with XXXX XXXX, but the reneged just before XXXX causing me to not be able to purchase the gifts for my grandchildren I wanted to. I admit I was so angry and upset XXXX, that I just did n't care and told XXXX XXXX this. But after contact by Atlantic, I did agree to pay off the debt if they would n't harm my credit as long as I was current. They said they could n't but convinced me that as long as I was paying that 's all that would show, that I was paying a monthly obligation. But they insisted that they could only accept a electronic payment, otherwise they would sell my debt to another company that would continue to add interest charges and that I would incur much more debt! 

I was harassed, demeaned for my original debt to XXXX XXXX, coerced and outright threatened with more debt added, unless I agreed to make electronic payments and incur the added expenses. 

Company response: Company chooses not to provide a public response
Consumer complaint: I could not find the exact " describe the issue '' choice, but XXXX XXXX threatened me that unless I made my payments via a monthly electronic payment system, they would sell my debt to a company that would add more interest until the debt was paid off, therefore dramatically increasing the amount of my debt when I agreed to payments but only wanted to pay by USPS money order. 
Said my credit would get a negative report if I did n't pay electronically. 
XXXX XXXX and his " supervisor XXXX '' Harassed me and used threats of credit harm if I did n't open up some kind of electronic XXXX card payment system to make my monthly payments. So, at much hardship and more expense I did open a pre-paid credit card and made my first payment. The very next day I received hard copy correspondence from XXXX that included a payment form for paying with a money order or check??? OR electronic CC payment IF I CHOSE. 
I am a XXXX year old totally and permanently XXXX XXXX Veteran, my total monthly income is from my VA XXXX pension which is less than {$1100.00} ANY extra expense is a extreme hardship on my financial abilities, and I explained this to XXXX XXXX when I stated that I only wanted to pay via money order or check to avoid any electronic fees or give any of my private financial information to a collection agency because of all the reported harms done by collection agencies to others when they provided personal financial info unrelated to the debt. 
I agreed to make the payments to protect what little credit I have, even though I felt in principle that the original debtor Best Buy, had broken a agreement with me for payments when I was ill and could't keep up with the full payments but offered " good faith '' payments until my health would allow me to catch up. I fulfilled my part of the agreement with Best Buy, but the reneged just before XXXX causing me to not be able to purchase the gifts for my grandchildren I wanted to. I admit I was so angry and upset XXXX, that I just did n't care and told Best Buy this. But after contact by XXXX, I did agree to pay off the debt if they would n't harm my credit as long as I was current. They said they could n't but convinced me that as long as I was paying that 's all that would show, that I was paying a monthly obligation. But they insisted that they could only accept a electronic payment, otherwise they would sell my debt to another company that would continue to add interest charges and that I would incur much more debt! 

I was harassed, demeaned for my original debt to Best Buy, coerced and outright threatened with more debt added, unless I agreed to make electronic payments and incur the added expenses. 

Company response: Company chooses not to provide a public response
Consumer complaint: The account listed as an open collections account listed under XXXX in the amount of {$860.00} is incorrect. This account should have never been placed in collections to start with. Also, it was disputed in XXXX/XXXX 2014 and to be removed at that time. As you can clearly see from the attached documentation, I do not, nor have I ever owed this money. My health insurance plan at the time offered a {$1000.00} XXXX discount with XXXX XXXX XXXX ( original creditor ). This left me a balance of {$320.00}. I was told by XXXX that I only needed to pay {$300.00}. My cancelled check is attached as well. Please remove this account from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Account was paid and closed, but remains on my Experian credit report. The items are being reported negatively, they should not remain, and continues to damage my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife XXXX purchased a house a little less than XXXX years ago. We were approved for the loan and the appraisal was completed and we closed on the property. The house is a XXXX level property with internal stairs connecting the XXXX XXXX XXXX floors. An external staircase allowed for access to the XXXX XXXX XXXX level. The appraiser did not make any deduction in the appraisal for the external staircase. 
We refinance the house several months ago and during the appraisal process, the appraiser for the refinance did not fully recognize the sq.ft. of the XXXX floor, since you have to use an exterior staircase to access that space- essentially using a different method for appraising the property. The difference in market value is approximately {$57000.00}. I have made complaints to both appraisers and the lender- with no satisfactory actions to date. The inconsistency of the process and the seemingly arbitrary way of deciding what is allowed and what is not puts the consumer in a disadvantage especially when the consumer does not control any part of this process. I am seeking restitution of {$57000.00}. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Specialized Loan Servicing acting as the Servicer has failed to meet all of its requirements under HBOR and is attempting to illegally foreclose on my personal home by selling it at auction on XXXX XXXX, 2015. The direct violation of HBOR law is based on Specializing Loan Servicing improperly and unfairly reviewing my loan modification request for relief. i have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times. in addition, Specializing Loan Servcier has repeatedly denied me help several times and i never get a single person to answer my questions honestly or directly. They always have XXXX of people pass of my file amongst each other just to create motion and delays. i intend to keep my home and i meet all eligibility criteria. They have never offered any help or relief and continue to threaten to take my home. Specializing Mortgage illegally commenced and is conducting a foreclosure while reviewing or without attempting to find workout relief options for myself. they have mishandled my documents and file several times and failed to properly communicate with me throughout the process. they simply wish to foreclose and kick me out on the streets. they have clearly violated HBOR specifically under the dual tracking clause. Specializing Loan Servicing instructed and allowed foreclosure trustee named XXXX to illegally start foreclosure on my property. The Specializing Loan Servicer and know your options website gave the result that i am eligible for a loan modification with a lower payment to save my property. so there is no reason why Specialized Loan Servicer should have denied my request or started foreclosure on my home. 

Company response: Company chooses not to provide a public response
Consumer complaint: You Bank of America are grossly misinterpreting the order of XXXX XXXX, 2014, signed by XXXX XXXX, Director of the Consumer Financial Protection Bureau ( CFPB ), File Number XXXX, regarding Bank of America 's ( BofA ) Credit Protection Plan that I was enrolled in to " protect my credit ''. The CFPB is making all customers like me whole again. This means all fees and interests accrued as a result of BofA 's mishandling of these accounts are to be deleted from the credit reports. That is what I am requesting. I am stating exactly what the language is in Paragraph XXXX of File Number XXXX, and I quote : " With respect to any Credit Protection and Identify Protection Eligible Customer 's Account that receives redress as a credit that decreases the existing balance or charged-off balance, the Bank shall, as permitted by law and in accordance with existing procedures : ( b ) delete the account trade line at each credit reporting agency to which the Bank had previously furnished balance information for the account. '' End quote. So please delete XXXX ( {$320.00} ) regarding me from all Credit Reporting Agencies ASAP. The balance that you BofA are continuing to report to the Credit Reporting Agencies is pure and simple illegal and a gross miscarriage of justice. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015 I paid {$590.00} to Best Buy. Thinking the balance was paid the following month I discarded my statement. I began getting phone calls daily and when I answered a recorded voice came on that said its very important we talk to you please call Citi and a phone number that could not be made out. Not disclosing who the call was for or the matter we have ignored these calls for the past XXXX days. On XXXX XXXX I was able to make out the phone number and called it. The company identified itself as Best Buy and said my account was past due for a balance of XXXX cents and that the payment in XXXX was posted after the due date there for I now had a balance of XXXX. So for a XXXX cent balance I have now accrued XXXX in late charges. 
The company never engaged in a live person contacting me to discuss the remaining balance, they just had a robo dialer call my house, and the benefit is they are able to keep accruing fees. They are reporting my account past due on my credit report and accruing fees for a XXXX balance. 
Since it was my error of not paying the XXXX I have paid the initial late charge of XXXX and the XXXX balance, however they state they wo n't waive the remaining late charges. If this was a balance owed of a substantial amount they would have been sure to have a live person on the phone, but because this is fee income they will allow the balance to build. This is unfair and abusive! 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX I opened an IRA with Wells Fargo - XXXX XXXX. I explained at the time that I live in XXXX, but was anticipating a pension payout from a previous employer in the XXXX. I explained that what I wanted to do was roll the money from the employer, into an IRA, then make a drawdown on the IRA and have it electronically wired to my bank ( XXXX 's ) in XXXX. 

The rollover to the IRA happened in XX/XX/XXXX, as anticipated, and a drawdown was placed into my savings. When I requested to have the funds wired through XXXX 's XXXX to my XXXX 's account in XXXX, I was told this could not happen. I was then told I needed to make daily withdrawals from an ATM to get the money. I explained there were no Wells Fargo ATMs in XXXX. Wells Fargo reported that this was the only way I could get the money. Each time I made a withdrawal from the ATM, I was charged a {$5.00} fee for using a non-Wells Fargo ATM. I was also limited as to how much I could withdraw on a daily basis, to {$500.00} ( XXXX ). After about XXXX trips to the non-Wells Fargo ATM, the bank manager at XXXX XXXX increased my daily withdraw limit to {$1000.00} ( XXXX ). 

It took me all of XXXX, all of XXXX and into XXXX to obtain the funds using the ATM, which resulted in incurring ATM charges in the hundreds, which were far in excess of what it would have costs to make a simple electronic transfer to my bank in XXXX. 

I feel I was lied to from the very start! Wells Fargo should have told me from the very start that they were not able to electronically transfer the money. 

Company response: Company chooses not to provide a public response
Consumer complaint: For Trans Union, I received PRE-APPROVED pappliations for XXXX credit cards. They then reported these as hard inquiries. I read that if you are pre-approved, it will NOT be reported as a hard inquiry. Please investigate this for me. XXXX cards were received and are active. 

On my XXXX report there are XXXX hard inquiries from XXXX within a 3 week period. I did not authorize XXXX these inquiries. Why would they need XXXX checks in 3 weeks, anyway? Also, I also was hard-checked by XXXX in conjunction with the XXXX account. They collaborate to install internet, phone and TV services. Also, I already had an account with XXXX. There was no need to do a hard check on an existing account. I just moved. In short, there were XXXX hard inquiries to open XXXX account. Please help me with this problem. 

Company response: Company chooses not to provide a public response
Consumer complaint: I started getting calls from XXXX XXXX XXXX at XXXX a month ago. They said I had an overdraft with US Bank sometime around 1995. I did not remember an overdraft so they told me to call US Bank. US Bank said they had no records left, had sold the account to XXXX XXXX, XXXX. I contacted XXXX XXXX. and told them how many phone messages and emails I had sent XXXX to verify debt and they said they would contact XXXX for me. Then a week later I get a call from someone who would n't give me their name saying I was going to receive a summons. I asked why and they told me to call XXXX XXXX. I called and they put the " guy in charge '' on the phone who told me that XXXX did n't have to return my call and since they were taking me to court and plan to win they did n't have to give me verification of debt. They also said I would go to jail for writing bad checks. I do not ever recall writing a bad check. Then the guy said I had one chance to accept a settlement and my answer would be recorded for court and jail. I said without verification I did n't feel comfortable settling for sending anyone money. He was rude and scary and said they will win in court and I was going to jail. I 'm frightened. All I wanted was paperwork confirming this debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have I submitted XXXX letters to the credit reporting agency asking for verification of account and how the verification as obtained. All letters were sent certified. I am questioning FCRA 611 nd FCRA 609 process. 
To date I have not received any reply to by letters sent certified on XXXX XXXX 2015 and XXXX XXXX 2015 certified. The Credit reporting agency has refused to reply and provided proper documentation for the records I listed in the correspondence and remove the items since not reply was provided. All copies of the letters and certified mail receipts are attached. 

Company response: Company chooses not to provide a public response
Consumer complaint: Approximately XXXX months ago Barclay raised the limit on XXXX my credit cards from {$2500.00} to {$6500.00} in recognition of responsible card usage. Less than XXXX months ago I contacted Barclay to shift some credit line from XXXX account to another. The credit analyst who processed my request told me that by Barclay 's standards I manage my credit excellently. Then, on XXXX/XXXX/2015, Barclay closed all my accounts locking up rewards worth a total of {$1100.00}. This was comprised of XXXX points on an XXXX Extra Points Card ( valued at {$0.00} per point = {$900.00} ) and XXXX points on an Arrival Plus Card ( valued at {$0.00} per point = {$190.00} ). I have made no change to my use of the cards at any time in the last XXXX months ( the duration of my credit relationship with Barclay XXXX. I am left with no access to my earned rewards and have only been provided with a vague explanation that my accounts were closed for their usage XXXX the same thing that prompted increased credit lines and verbal praise from a credit analyst at the bank ). 

Company response: Company chooses not to provide a public response
Consumer complaint: I received XXXX ( XXXX ) USBank Cash+ Bonus Rewards Cards in the mail some time ago, each valued at {$25.00}, for a total of {$75.00}. They were Visa cards. The first one has a " Valid Thru '' date of XX/XX/XXXX, the second XX/XX/XXXX, and the third XX/XX/XXXX. 

Apparently, though, these " Valid Thru '' dates are not the actual expiration dates on the card. Instead, USBank helped themselves to {$2.00} per month after 12 months had passed on each card. Even though the " Valid Thru '' dates on the fronts of the cards said XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, in actuality, all three cards have been completely drained by USBank. 

This seems to me to be a deceptive business practice. A reasonable person would expect the " Valid Thru '' date on the front of the card to be the date the card expires. The cards themselves appear as a standard Visa credit or debit card, with the card number, the customer 's name, and the " Valid Thru '' date embossed and in silver on the front. 

I can give the XXXX credit card numbers ( and attendant CVVs ) on request. 

Company response: Company chooses not to provide a public response
Consumer complaint: I became aware of this debt when I checked my credit report for the first time in many years recently. I saw that Southwest Credit System has an amount of {$190.00} reported for XXXX, however this was the first time I saw this. I had not received prior notice of this debt, along with account information and what the debt is for. Since I had my identity stolen in XX/XX/XXXX, I wanted to make sure this is legitimate. 

I disputed it with XXXX on XX/XX/XXXX and also wrote a letter to Southwest Credit System requesting verification ( USPS notified me that my letter was received on XX/XX/XXXX- proof available ). XXXX has not notified me that the agency has responded, and I have not received a response to my letter. 

I understand that a collection agency does not have to respond to verification requests within a certain time frame, but in this case I was never notified of this debt or what it is for and need verification. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was not made aware of this debt/bill by the medical provider or the collection agency it was assigned to. I discovered this {$25.00} debt in collections when I checked my credit report. 

I have XXXX coverage through my medical insurance companies, as does my wife. My wife was also found to have XXXX outstanding bills that were found on her credit report that had gone to collections as well. The bills were created by the same hospital that charged me the {$25.00} bill, which was sent to collections. My wife and I had no idea she had any outstanding bills from this hospital until we checked her credit report at the same time we checked mine. She did not receive any bills or paper work from the hospital or collection companies either. 

The collection agencies removed all of my wife 's bills from her collection reports, but has refused to work with me on this issue. I have asked the medical provider to work with me on removing this from my credit report, because I never received any notification of this bill, but the hospital billing department has refused to work with me to resolve this issue. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bought a car from DriveTme, Started having problem with car XXXX days after purchase called them and tehy told me to take care to warranty repir shop was refereed to dealership because the shop I took the car to could not do repair because they did not have the rigt equipment. drive time told me to take to dealership and they would cover the cost of the repair.When repair was completed the said they had to do a review to see if they were goig to pay for it. The car was broken when sold to me. and they lied and said everything had been checked out on the car. The engine service light came on XXXX day after I had the car Also the passenger air bag sensor was broken when the car was sold to me and this was not told to me Now i am without transportation and have medical problems ( XXXX that I can not get to due to their failure to live up to their contract.. I am very disappointed worried what will happen because I am stranded due to their breach of contract. can you help?? 

Company response: Company chooses not to provide a public response
Consumer complaint: I have contacted the creditor and resolved this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted all my creditors about a non-collectible debt ( XXXX XXXX on my credit report. I proved that I am exempt from the debts under federal law as a XXXX Veteran. They all agreed with me and said that they have removed the debt ( s ) from their records and requested that the XXXX XXXX XXXX XXXX major credit bureaus to remove the adverse information, as of XXXX XXXX, 2015. However, all three credit reporting agencies refuse or delay to remove the adverse information from the record. The accounts are : 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX. All XXXX credit reporting agencies are not doing what they have to by law. 1. Experian 2. XXXX 3.XXXX 

Company response: Company chooses not to provide a public response