AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: we have learned the debt collector, XXXX XXXX, aka a criminal atty and unlicensed in the state of nevada never validated the debt since XXXX according to a XXXX XXXX XXXX of XXXX XXXX XXXX XXXXhere is the timeline:XX/XX/XXXX they filed a complaint in court as per attachedXX/XX/XXXX they served someone named XXXX in a gardenXXXXXX/XX/XXXX they filed the affidavit of serving someone named XXXX in a gardenwho was not methe judge noted in the minutes and transcript this is not proper service and often clerks just file things as they are presented without looking at anythingXX/XX/XXXX they obtained a default judgment by filing an affidavit serving XXXX without proper servicewhen i was not in town from XX/XX/XXXX through XX/XX/XXXXon XX/XX/XXXX i telephoned XXXX XXXX office, i asked them what this is, what is this for what are the amounts and charges for date of last payment etc ... i was put on hold and switched around several times and then told no need to answer ... they 'll take care of iti mailed and faxed to XXXX disputed the amounts and requested validation on XX/XX/XXXXi never heard from them ever again until 4 1/2 years later when a phone call from a XXXX at XXXX telephoned 3 times and hung up ... on my voice mail without identifying himself as to why he was calling. i have it on my machine then a letter was received dated XX/XX/XXXX received by a receptionist XX/XX/XXXX at a company that i am not an employee of ... along with demands for payments in amt of XXXX along within the demand and threats that strangers are responsible for this debt and if they do n't comapy there is jail time it noted my entire social security number and my name ... which i understand is a breach of security and violation of nrs 239 statutes as well as a federal statute ... i have that statute written down that it violated. 
since then i have received mail addressed to my property in the name of XXXX towing companies that are being offered lines of credit. i have had to put a fraud alert on and so far several charges have been made that are not mine. 
i have learned the towing companies are out of XXXX and XXXX ... i looked up these companies that are using my property ... several consumers made XXXX videos stating their cars were being seized illegally by these same companies that are using my property and address. 
i wrote to the the atty general office they said they got my info from the chamber of commerce. i went to see the president of the chamber he said the towing companies are not participating in the chamber events and apologized. and their information is not in their system anymore. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent {$100.00} via XOOM which has not been paid yet the below receipt copy says that it has. 

De : Xoom Order Status Team XXXX XXXXXXXXXXXX XXXX XXXX : XXXX, XX/XX/XXXX XXXX p. m. 
XXXX : XXXXXXXXXXXX : Money Transfer Completed XXXX - Global Money TransferYour recent money transfer to XXXX XXXX XXXX XXXX has been completed and has been successfully picked up. 
XXXXAs a reminder, here are some details of your transfer : Xoom Tracking Number : XXXXSent to : XXXX XXXX XXXX XXXX XXXX : XXXX USDTo view the current status of your transaction, visit Track your transactionFor Customer Service , visit our Help Center or call XXXX ( XXXX ) or XXXX ( XXXX ) Transaction status email is automatically generated. If you reply to this email, we will not be able to read your response. Please do not reply directly to this email. If you need help, please contact our Customer Service department. 

About Us | User Agreement | Privacy Policy | Security | Site MapCopyright ( C ) XX/XX/XXXX-XX/XX/XXXX XXXX XXXX. All rights reserved. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I, XXXX, received XXXX collection letters from Nationwide credit Inc. where they are showing the bar code in plaint view for anyone to see. 

To be clear here, I choose " Communication Tactics '' and choose the third option " Used, obscene, profane or other abusive language. '' I could not find an exact description of my issue with respect to the Bar Code. 

Showing the " Bar Code '' is a FDCPA violation of section 1692f ( 8 ). And in their first letter I received from them, they are violating the FDCPA by only allowing me XXXX options to resolve my account. SECURE ONLINE PORTAL, PAY BY MAIL, and PAY BY PHONE. It is like I have no other option but the XXXX that are given to me. Then they reverse themselves and tell me " Unless you notify this office within thirty ( 30 ) days after .... '' This of course is my mini-miranda rights. This is also a violation of the FDCPA and Texas Finance Code. They have been sued in the past for the very same things they have done to other consumer. Just recently XXXX XXXX XXXX XXXX XXXX, XXXX., the same bar code matter went before the court and the Defendant debt collector lost in the Memorandum that came out in XX/XX/2015. 

In the attachment is a copy of the letter I received and some recent court cases brought forth by other consumer like myself. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed the account of XXXX and XXXX account XXXX several occasions with Transunion I have told them that the accountdoes not belong to me I have sent them a copy of the court order of theresponsible party and they still keep reporting this on my personal creditreport 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a {$500.00} revolving line of credit with Regions Bank. I am in the process of trying to close on a condo, so I paid {$300.00} last month and yesterday, XXXX/XXXX/2015, the account had a balance of {$190.00} in which I made a payment of {$200.00}. This a.m. I went into the branch to try to get an update statement showing the {$200.00} payment with a available credit of {$500.00}. Unfortunately, the XXXX branch manager could not produce an updated statement showing this payment and available credit. Unfortunately, I discovered Regions had assessed a {$37.00} paid in full fee and was able to produce a statement showing only this transaction. I also noticed that on this {$500.00} revolving account, Regions had " willy nilly '' assessed a ton of fees to this account throughout the time I have had this account. 


ANOTHER SEPARATE COMPLAINT : As I overpaid this account by {$2.00} ( stated as a credit on statement and refunded back to me at a branch ) when I paid account in full and requested an updated statement ; however, today, XXXX XXXX, 2015, I received a statement from Regions Bank treating the {$2.00} overpayment I made as a cash advance and has charged my XXXX balance account {$10.00} with {$1.00} in interest. Just criminal. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX Bank transferred the servicing of my mortgage loan to LoanCare, XXXX. I feel I was not given adequate notification of this change. I have not received a notice from LoanCare, XXXX. After realizing today ( XXXX/XXXX/15 ) that my automatic payment to XXXX was not processed from my checking account as usual, I immediately went through recent mail to find a letter XXXX, dated XXXX/XXXX/2015 ( received after this date ). The envelope appeared very typical XXXX. Like a statement, or marketing offer. There was no indication that my action was needed, or that there was any urgency to the notice inside. Therefore, the letter went into my pile of non-urgent mail. Despite the nonchalant envelope, there was in fact EXTREMELY important information inside about the transfer of my loan! I then went to the website listed for LoanCare, XXXX to find that I did in fact have a payment due on XXXX/XXXX/15, that I was 14 days late and had already incurred a fee for late payment! Is there anything I can do to recover my late fee? Also, I feel I should receive some basic information about my account balance at transfer, payments, etc. What action should I take? Thank you in advance for any assistance. 

Company response: Company chooses not to provide a public response
Consumer complaint: ComplaintDescription of the complaintOn XXXX XXXX, 2015 I received a letter from them that my mortgage has been transfer to another company and they do not give me information on the company and why are they transfer my mortgage who gave them the right to determine who I would like to be my mortgage company please investigate Wells Fargo Home Mortgage to ensure that the are following United States Federal Regulations and any misconduct and mismanagement all individuals involved be convicted according to United States Federal LawHow complaint can be satisfactorily addressedI would my Mortgage to remain with Wells Fargo and if I wanted a different mortgage I would request when do the bank tell you who got to do business this was my choice and my right as United States Civilian 

Company response: Company chooses not to provide a public response
Consumer complaint: A local credit union XXXX XXXX, was offering 2.3 % on a five year CD. Who could pass this deal up? Went down to the grocery store where they have a cubicle to sign up. We had CD 's here in the past so they still had most of our personal information. Near the end of the Q & A signup process we were told that they need to check our credit even though we were former customers and were making a substantial deposit. So ok do it. Well we had placed a credit hold with Experian when our health insurer XXXX followed then by Experian, keeper of the XXXX information, were XXXX recently hacked. It does n't matter if you are a CD purchaser, no credit check, no new account. Back home again we lifted the security hold after paying Experian their {$10.00} ransom fee for doing so. It seems logical to me that when our data was compromised that the smart thing to do is place a hold on our credit. It is even more logical that if there are any charges for doing so the company or companies where your data was hacked should be financially responsible for everything. All we see happening is they lay off their liabilities to some " insuring '' agent who then says if your ID is stolen they will work with you to fix the problem. Gee thanks, but I think the company who allowed our information to be compromised should ultimately have total responsibility and should be subject to substantial Federally imposed penalties for allowing our information to be stolen in the first place. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was helping a friend by co-signing for her residential rental. I obtained both our credit reports from Experian online as a requirement of the rental application. Online it says you will be charged {$1.00} for each report. I thought I was only paying {$2.00} ( XXXX for each report ). Then they started charging my credit card monthly for ongoing monitoring that I was unaware I was signing up for. Unfortunately I did not notice right away. It was {$21.00} x XXXX for myself and my friend. I finally had time to call Experian and they said in fine print when you order your {$1.00} credit report you are automatically signed up for monthly monitoring for your lifetime unless you cancel within 7 days. I am a XXXX so am not stupid. I did n't see/notice this fine print. I looked online at YELP to see if others have this problem. They have XXXX star and XXXX reviews and almost every review says that the customer was fooled into paying for this monthly monitoring service without knowing. I can afford this mistake. Others who have less money and are trying to get a job or a rental and are n't as educated can not afford this mistake. Experian refused to refund my money when I spoke to them on the phone. Please please help the less fortunate people be able to access their credit report without being " played '' by this company. Please also review the YELP reviews. This many people ca n't be wrong. 

Company response: Company chooses not to provide a public response
Consumer complaint: The debt was from an auto accident XX/XX/2010. I sustained injuries and the XXXX XXXX was called. I could not leave with the XXXX at that time because I was making arrangements for my totaled car and speaking to police. In PA we have the no fault law that medical bills due to any auto accident are submitted to your auto insurance carrier until the benefits are exhausted, then to your medical insurance. My auto insurance, XXXX XXXX, paid the allowable {$80.00} of the {$100.00} bill. The {$20.00} that was not paid should have been written off or submitted to my medical insurance. I spoke to the XXXX XXXX personnel several times and they told me they would correct the error ... .over 5 years later and still on my credit! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a signature loan with this company and when I went in to make my payment I was told that I had to covert over to their flex pay loan. Initially If I made XXXX payments I would have the loan paid off. I was tricked into changing over to this new loan with them. I was under the impression that I would still have the loan paid off when I made my XXXX payments. When I went in to make my last payment I was thinking that I was paying the loan off and the balance was still XXXX dollars. I feel that I was deceived and forced into a loan that I did not want. Full disclosure was give. I 'm a victim of deceptive predatory lending. I know the law has been broken 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I am being harassed and threatened by Shellpoint Mortgage Servicing. 
Pursuant to the XXXX suit between investors, XXXX XXXX XXXX and XXXX XXXX XXXX, Shellpoint is XXXX of the approved servicers for XXXX. 
I have no outstanding mortgage with any entity mentioned herein yetShellpoint continues to send me threatening letter to foreclose on myproperty unless I pay them money. I owe them nothing. They areviolating numerous laws by threating to take a legal action they cannotlegally take. I have made numerous demands for Shellpoint to stop theirattempts to collect a debt that is not due and to stop contacting me, yetthey continue with their predatory, misleading statements, false claims, anddeceptive acts and practices. Seven years into the greatest financialcrime ever perpetrate in the annals of the world and this behaviorcontinues unabated. Moreover, I never contracted with any party namedherein and no party ever perfected a lien prior to my 2008 Ch. XXXXbankruptcy. 
Kindly stop these XXXX of old from harassing me. 
Thank you 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My friend was helping me by co-signing for my residential rental. She obtained both our credit reports from Experian online as a requirement of the rental application. Online it says you will be charged {$1.00} for each report. I thought I was only paying {$1.00}. Then they started charging her credit card ( she paid for me ) monthly for ongoing monitoring that I was unaware we was signing up for. Unfortunately I did not notice right away. It was {$21.00} a month. I called Experian and they said in fine print when you order your {$1.00} credit report you are automatically signed up for monthly monitoring for your lifetime unless you cancel within 7 days. My friend did n't see/notice this fine print. I looked online at XXXX to see if others have this problem. They have XXXX star and XXXX reviews and almost every review says that the customer was fooled into paying for this monthly monitoring service without knowing. My friend has now been billed for this monthly fee for 4 months starting in XXXX. Experian refused to refund the money. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX of Continental Finance did knowing know about my discrimination claim and failed to provide investigation report. Continental Finance has discriminated against me due to the color of my skin, by closing my account without validation, Also I want to file an alternative dispute but due Continental Finance polices, they have failed to file my request for arbitration. I will file a claim in Federal court under the Recovery Act. 

Company response: Company chooses not to provide a public response
Consumer complaint: I began to refinance with my current mortgage co and during the process our mortgage was bought by LoanCare. I paid the first payment to them when due and since the refi co was waiting for payoff letter I contacted LoanCare and they said they did n't have the payment yet and therefore could n't get an accurate payoff. My bank verified they sent payment and after being told by customer service at LoanCare that I should pay another way so I am not late, I did so over the phone with them and put a stop payment on the bank check. I stated to Loancare that I did a stop payment and to please note the acct as such. 2 days later I received a receipt stating they got the check and applied the funds. I called and told them that was not supposed to be an they said to not worry since the money would end up not being applied after the fact since I paid XX/XX/XXXX due. Well Loancare sent the payoff with the extra funds in the amount without anyone knowing this and we went to closing and finalized everything with funds being funded from mortgage co to Loancare XX/XX/XXXX. Loancare stated that I owe XX/XX/XXXX funds as well as the FHA regulator interest for XX/XX/XXXX now, {$880.00} on top of the mortgage! I stated that the funds went through XX/XX/XXXX and they said it was after XXXX therefore they had to add on the other money due to holiday and not processing until XX/XX/XXXX!!! Every call into customer service was terrible and left me in tears. They were beyond rude and completely arrogant in their responses. The timing from start to finish on how they handle money is beyond unacceptable and I cant imagine if they were my mortgage company for good! Considering they lost a check for 2 weeks, then applied is after I paid over the phone and then took the payoff amount 5 days to process that in turn leaving us to owe money that we do n't have! Terrible and sad that this is okay in the work of money, as well as the customer service dept being beyond terrible and barley able to understand what half of them are saying. SAD! 

Company response: Company chooses not to provide a public response
Consumer complaint: I had issues with US Bank on a recently closed escrow where I asked for impound accounts and they didnt to and charge me more money 

Company response: Company chooses not to provide a public response
Consumer complaint: DIVORCING SPOUSE MADE BALANCE TRANSFERS IN EXCESS OF {$17000.00} DURING NYS AUTOMATIC STAYS PERIOD. SHE ADDED HERSELF AS AN AUTHORIZED USER ON TWO OF CITIBANK 'S CREDIT CARDS -- CITI DIAMOND AND SEARS MASTERCARD. 
WHY WOULD BANK TRANSFER FUNDS TO HER INDIVIDUAL ACCOUNTS? THIS IS STEALING AND FRAUD. 

Company response: Company chooses not to provide a public response
Consumer complaint: Pressler & Pressler sent letters to demand payment for debt that was well past the statute of limitations for the State of NJ. When I asked for verification of the debt they told they stated they have a judgement. I was not served a judgement. I asked for details of the judgement and they retused to provide the details. They also failed to provide information on the original debt. They threaten me to pay or they will pursue legal action. They ended up garnishing my wages. I am a single father and they illegally placed a garnishment on my wages to pay approx. {$8000.00} that Pressler and Pressler could not provide verification of. I would like this company investigated and would appreciate if my money could ne returned. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX added an extended 7 year fraud alert on my credit file. In their letter, XXXX wrote it would contact TransUnion about the extended fraud alert. I did not receive a notification from TransUnion. Thus, I faxed the letter from XXXX to TransUnion. Again, I received no response on the matter from TransUnion. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX sent a " kill code " that destroyed my bought and paid forDVR player. I was required to purchase my DVR because XXXX said that I did n't qualify for a free one, I had to pay XXXX USD for my DVR. Not only did they kill my DVR on XX/XX/XXXX @ XXXX XXXX, there was no outstanding balance on my account. XXXX stopped providing service in XX/XX/XXXX. XX/XX/XXXX I received a bill for XXXX USD for services allegedly provided XX/XX/XXXX, how? They required me to first purchase a DVR, then killed that DVR and then charged me for services I could not have received. When I refused to pay for services not delivered, XXXX illegally turned my account over to collection which severely affected my credit score. My score dropped XXXX points. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have received a credit report from Transunion. This reporting agency continues to violate the rules of reporting adverse information. Especially, when it is clearly seen the opening dates and closing dates are beyond 7 years, or the accounts are closed by the creditors, or charged off. I want this information deleted and my FICO score to not suffer any more damage because of their inability to follow the laws of reporting accurate information and to update my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I deposited a check at Bank of America on XXXX/XXXX/15 after XXXX XXXX, but I did not realize the check was dated XXXX/XXXX/15. The bank bounced the check on XXXX/XXXX/15, I think the money was available on XX/XX/XXXX but they decided to reject it. I deposited a check for {$1100.00} on XX/XX/2015 and was informed there was a hold in place for {$900.00} until XXXX pm XXXX/XXXX/15 and that I was told by XXXX of bank America that {$200.00} would be available by XXXX Saturday XXXX/XXXX/15, ( see attached account history for XX/XX/XXXX ) sometime Saturday the entire amount was put on hold and the check is now on permanent hold, ( see attached bank statement ) I am not sure when it will be available, when I asked XXXX of bank America why, he said it was in the risk dept, and to call Monday, I feel Bank of America is trying to generate fees and lying to me when I try to address my account problems, I have no funds in my account, and feel I am being treated in a arbitrary and capricious manner. 

Company response: Company chooses not to provide a public response
Consumer complaint: I would like to dispute ( AGAIN ) Portfolio Recovery Associates , LLC for the matter of {$420.00}, Original XXXX. This account was removed from my credit report back in XXXX by XXXX XXXX and yet it is STILL updated as late as XX/XX/2015 to my credit report. Please correctly update you credit files and DELETE this account, finally, from my credit report. It was deleted and can not be reporting to my name any longer. The debt was settled for deletion. I would like this removed immediately, because I have disputed this account XXXX times since XXXX and NOTHING has been done to correctly remove it from my name yet. It was scheduled for deletion, according to this letter, in XXXX. 

Company response: Company chooses not to provide a public response