AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: This is a complaint against : Credit Management , LP Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX https : //www.creditmanagementonline.com/contact On XXXX XXXX, I received the attached statement ( alleged debt letter XXXX and XXXX ), dated XXXX/XXXX/15. It is the first and only contact from them. It was for a XXXX debt owed by a person with a similar but different name, and I have never had a XXXX account. This is not my debt. I have already contacted them about this but do not yet have a reply. 

Further, prior to them contacting me about her debt, they made derogatory reports about me to all XXXX credit bureaus ( attached ). That is malicious, libelous, and a defamation of my character. I demand that they contact the agencies at once and have all negative remarks and accusations removed. 

Further, according to the Fair Debt Collection Practices Act, XXXX XXXX, Validation of debts [ XXXX XXXX XXXX ] : ( a ) Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ... 

( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


They failed to perform the quoted sections ( failed to make these statements ) and are thus in violation of the Fair Debt Collection Practices Act. A full copy of the first and only contact is attached ( alleged debt letter XXXX and XXXX ) and shows that these were omitted. 

Due to the fact that they are in XXXX and I am in XXXX, I wonder how many other people in the country with a name similar to XXXX XXXX received similar letters. They went rather wide by mailing XXXX to a person XXXX. 

They need to correct this at once. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: There is missing information not on my credit report and i have a right to have my credit correctly reported on my credit report. Trans union has done a great job on cleaning up my credit report i just need these items reported correctly in order to offset the fraud that happened in my name. 

Company response: Company chooses not to provide a public response
Consumer complaint: The debt was opened in error by the Provider, who knew that was opened in error and never stopped it from being sent. I went to the doctors office and never received the service, which was still billed. I called my insurance company and they advised they were unable to stop the claim the doctors office would have to do that. 

I then left it alone and never followed up until I went to make an appointment and was told I could n't as there was a billing issue. I spoke with the billing department who cleared the issue and noted they did see in their notes of the mistake. I also asked them to have this pulled back from collections as it was sent in error. The billing department for XXXX XXXX XXXX XXXX XXXX said it would. This call was done in XX/XX/XXXX and still reflects on my credit report. 

The debt agency, which is a third party also made multiple contact calls to my cell phone, without my permission from a dialer. 

I also submitted a credit dispute as the item was reflected on my credit report, which was rejected and the collection agency said it is not their fault they are just collecting the debt. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have had my checking and savings accounts with Bank of America for almost 20 years. I logged into my accounts today and see that they had a maintenance fee of {$12.00} per month on a debit card account I keep for my wife. So I called Bank of America to see why they were charging me for a service I 'd gotten for free for 7 years. When I called they said they changed my account. Without my consent??? Why does B of A have the right to blindly change my account ... ... then charge me for something that has been historically free? Imagine if mortgage companies could blindly change your rate just because they wanted to increase profit margins. This is an unfair and unethical business tactic. They said they sent me something but I did not receive it. Please stop this unethical practice from happening to others. Its a violation of the trust we bestow in the big banks. Please fight for my rights!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: While reviewing my account statement on or about XX/XX/XXXX, I noticed unauthorized and fraudulent charges to my account beginning from XX/XX/XXXX thru XX/XX/XXXX posting as date of Transaction totaling about {$22000.00}. I immediately contacted BANK OF AMERICA and advised them that I did not at any time authorize or consent to the charges that reflecting in my account. I was advised that it will be investigated and appropriate correction made. I was not contacted or advised of the outcome of the investigation, though I continued to make my monthly payments including this fraudulent and unauthorized charges to my account. 
On or about XX/XX/XXXX, I contacted BANK OF AMERICA again requesting for this matter to be resolved because it was having a toll in my finances. I was again advised that an investigation was on going and that I will be duely notified when completed and advised me to continue making payments to avoid negative effects on my credit, to which I complied. 
To this extent, BANK OF AMERICA did not contact me nor send me any notification per the completion of the investigation. I kept calling and never received any assistance from any staff. 
Thereafter, on XX/XX/XXXX, I contacted BANK OF AMERICA and disputed the validity of the DEBT and staff advised me that there was nothing on file for this matter as I stated. STAFF promised me that he will get to the bottom of this and that someone will be in touch with me within 60 days with a resolution. To this regard, nobody contacted me or the matter resolved. 
Therefore, on XX/XX/XXXX, I called and was upset and enraged that nothing has been done to resolve my complaint of ID THEFT resulting from unauthorized and fraudulent charges to my account, BANK OF AMERICA staff advised me that there was no file for this complaint and that I need to file an official complaint for an investigation into the matter. BOA has failed to investigate my complaint of unauthorized and fraudulent charges of ID THEFT totaling approximately {$22000.00}, in clear violation of FCRA ; FDCA and my PRIVACY RIGHTS, causing me to suffer irreparable injuries of mental and physical injuries of XXXX distress in my marriage, XXXX and serious economic loss resulting from gross negligence of BOA failure to act accordingly. I have continued to suffer financial difficulties resulting from BOA total disregard to the rule of law per my complaints of ID THEFT, where I have been denied and deprived access to new credits and/or business financing based upon my DEBT TO RATIO INCOME and HIGH CREDIT UTILIZATION in part. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for the FHA Streamline Refinance because I was looking to lower my fixed rate mortgage from 4.75 % to 3.5-4.25 % fixed. I called and spoke with XXXX XXXX in the Direct Lending Department. I advised him I am a former beneficiary of the Federal Emergency Home Loan Program and the FHA HAMP. At first I asked him if Flagstar Bank would subordinate to XXXX XXXX who had already preapproved me for a lower rate ; however, XXXX said that I could get a lower rate through Flagstar. XXXX XXXX had made me believe that it would be worth pursuing an FHA Streamline Refinance. Ultimately he said I do not qualify because they could only offer me a rate of 4.68 % because of my credit. Since my rate is currently at 4.75 % they would not reduce it to 4.68 % because it is too small of a change. I have been current on my mortgage since XX/XX/XXXX or XX/XX/2011 yet Flagstar still did a " Lockout '' on my house. They changed the deadbolt lock on me and have yet to reimburse me so I can put a new lock in which they do not have a key for. I do not have the key to the deadbolt lock currently on my door. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a mortgage loan with Bank of America. I was given apre approval letter. BOA disapproved the loan right before I wasset to close on the property because Debt to Income being to high. 
In setting the debt, BOA utilized an auto loan that had been paidoff and not utilizing income on a rental property, both issues thatI had extensively discussed with the loan processor. AdditionallyBOA did not calculate rental property income in accordance withXXXX XXXX guidelines and would not correct their mistake whenit was brought to their attention. In calculating the rental incomeBOA calculated a rental income of {$9700.00} for tax year XXXX a loss of {$1600.00} for tax year XXXX. However in the calculationof the two year average, BOA calculated a two year averageas a loss of {$6100.00}. Additionally in calculating the loss for taxyear XXXX, BOA did not add back the HOA fees listed on the taxreturn as required by the XXXX Guidelines. 

Company response: Company chooses not to provide a public response
Consumer complaint: AARGON Collection Agency XXXX is now continuing to harass me via my cell phone for a {$150.00} debt that was paid to another agency, XXXX XXXX XXXX XXXX on XXXX/XXXX/2015 through their XXXX XXXX XXXX XXXX XXXX payment website. The original debtor is XXXX XXXX Hospital XXXX. I have already filed a complaint against both XXXX XXXX XXXX and XXXX XXXX Hospital in XXXX 2015 for this very same problem. Please refer to the following CFPB case number : XXXX. Either XXXX & XXXX and/or XXXX XXXX Hospital has now sold this note to AARGON instead of acknowledging the fact that they have been paid as of XXXX XXXX, 2015. I also received a bill dated XXXX/XXXX/2015 from AARGON still showing an amount owed of {$150.00} to XXXX XXXX Hospital. The harassment from XXXX XXXX XXXX has stopped but it seems to me that XXXX XXXX Hospital continues to break the law by trying to collect on a debt that has already been paid for. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: On around year XX/XX/XXXX l rented a apartment in XXXXCalifornia and l was the only applicant and Renter.at XXXX apartment. 
I stayed for six months or less.There was no lease only month to month. 
I always payed my rent on timely matters and kepted my apartment cleaned and l did n't have no pets. 
I payed my deposit of around {$1000.00} in which l did n't received when l moved out of the apartment. 
I file Retaliation and Discrimination complaints with. Federal. Trade Commission and XXXX apartments and Hunter Warfield collections stopped harrassing and collection calls. 
Now XXXX Hunter Warfield collections are harrassing me in collections and sending me to collections and ruined my credit XXXX 
This collection companies and XXXX apartment are trying to collect {$990.00}. 
Also the charge of {$990.00} is for them in cleaning the apartment in which l hired a housekeeper to clean the apartment and apartment was left very cleaned and there was no pictures hinged on the walls. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Information that should have been added to my credit profile as i have requested was not and it should be added in order to show positive history and payments just as creditors have the right to report it. 

Company response: Company chooses not to provide a public response
Consumer complaint: Merchants & Professionals has placed XXXX collections on my credit reports as of XXXX/XXXX/2015 that does not belong to me. I called them today XXXX XXXX, 2015 and informed me that I have no debt with them. This debt is XXXX XXXX, he received these services. I 'm not liable for his medical debt. This is between XXXX XXXX, his insurance, and XXXX XXXX. I did n't sign any paperwork, documents and I did n't receive ANY medical services. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am a permanent resident. I do not yet have a SSN. Ally online bank flatly refused to let me open an account without one although I explained that the gov.ss states I do not need one to open a bank account. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX make the online process impossible without a SSN. 

Company response: Company chooses not to provide a public response
Consumer complaint: When I had been complaining to BOFA earlier this year they send me paper asking to file this complain in writing. I went to my bank the main brunch and asked for the forms to file complain. The associate told me it is no special forms and she will help me in communication to credit card division management. She did and she told me it is no need to file the formal complaint anymore since the complain was went into desired division. All I need is to wait for the answer on my request. So that, I did not send the annual amount because I was waiting for investigation and answer. Soon I had received the reminder from Credit Card division asking to proceed the payment. I call and explain to associate I am in complain and waiting for an answer. I was asked if I can pay any amount now. I was agree to pay {$50.00}. However, the bank start to charge me the late fee and increase payments percentage. This was not what I should inspect accordingly the bank associate which had helped me by mediating. I can not increase my monthly payment up to level of new demand and my debt is increasing every month since then. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I are being called repeatedly by XXXX different debt collection agencies. XXXX collector says they are trying to contact a person with a different last name, and if we are not that person, just hang up. We have hung up repeatedly, but they just keep calling and calling, often more than once a day. I tried calling them to complain, but their XXXX number was busy. 
The second agency says it is ERC, a debt collection agency in XXXX FL, but we suspect it is someone else pretending to be them, as they are using a different number. They give us a case number and tell us to call back, but we have not done so, because we have an excellent credit score, and KNOW we do not have any debts that would be in collection. Besides, we have friends and neighbors who have been harassed by people like them for months, claiming that debts are owed when they are NOT owed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: caller calls me at work from XXXX XXXX and gives a XXXX XXXX number to call regarding being served by uniformed officers regarding a legal case. no other information is given other than a case # and the name of coastline associates. when i look up the number they give to call i am finding scam alerts for credit card debt collection. I dont have any credit cards and i have never received any information by mail regarding debt collections 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I had a loan with XXXX who entered into a loan modification agreement with me and then suddenly transferred my loan to Greentree Servicing LLC who did not honor the modification agreement. Subsequently they started the foreclosure process in 2010 where it is now in the hands of the court. I need your help to correct this injustice. I 've suffered a XXXX XXXX and other illness XXXX and anguish this has put me and my family through. Not to mention the irreparable finanancial harm this has cause. Thank you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Wells Fargo refuses to refinance existing home mortgage loan under HARP guidelines. Mortgagor again called Wells Fargo Home Mortgage ( XXXX, spoke to representative named XXXX ) on XXXX/XXXX/XXXX, and Mortgagor was not permitted to initiate refinance application under HARP guidelines because Wells Fargo Home Mortgage is not yet ready to implement new RESPA requirements -- according to WFHM representative named XXXX. Mortgagor requested XXXX to put verbal statement in writing to Mortgagor. 
Mortgagor in good faith attempted to refinance existing mortgage loan XXXX times since XXXX, but Wells Fargo Home Mortgage sabotages every application by requiring unnecessary qualifying documentation, low valuation property appraisals, and high conventional closing cost projections. Mortgagor paid {$210000.00} for mortgaged property in XXXX, put down {$42000.00} cash, reduced outstanding mortgage loan balance from {$160000.00} to {$130000.00} and invested more than {$50000.00} in property improvements. 
Wells Fargo Home Mortgage has stonewalled every complaint filed by Mortgagor. Wells Fargo Home Mortgage has made false statements about Mortgagor 's excellent installment payment history. Wells Fargo Home Mortgage can not produce required documentation such as signed Uniform Residential Loan Application from XXXX. Wells Fargo Home Mortgage has manipulated mortgage loan from being non-conforming to XXXX approved in XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Linebarger Goggan Blair & Sampson continue to contact me regarding a debt that is not mine. I have previously submitted a complaint against this organization. Please refer to CFPB Case number : XXXX. On XXXX XXXX, 2015 they replied to this earlier complaint acknowledging that I am not the person they are looking for, and, saying they sent the debt collection to the wrong address. They continue to harass me seeking payment me for this debt that is not mine. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: The debt collection agency recently called my employer to find me. When my supervisor stated that I was unable to receive personal phone calls at work the agent on the phone became incredibly rude, and while she did not use obscene or profane language she was incredibly unprofessional. It was incredibly embarrassing for me to have to speak with my supervisor about this issue. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I would like to be included in the CFPB 's case against Western Sky and Delbert Services Crop. I had taken out an online loan initially with Western Sky and then it changed to Delbert Services. I live in Arkansas and see that there are laws that restrict the interest rate at a certain percent. I am referring to this case :1UNITED STATES DISTRICT COURTDISTRICT OF MASSACHUSETTSConsumer Financial Protection Bureau , Plaintiff, v. No. XXXX ( XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, DelbertServices Corporation , and XXXX XXXX XXXX , Defendants. 
FIRST AMENDED COMPLAINTIntroduction The Consumer Financial Protection Bureau brings this action againstDefendants XXXX, XXXX, XXXX XXXX, XXXX, Delbert Services Corporation, and XXXX 
XXXX XXXX under the Consumer Financial Protection Act of 2010 ( CFPA ) ,12 U.S.C. 5531 ( a ), 5536 ( a ), 5564 ( a ). Defendants purchased, serviced, and collectedconsumer-installment loans that state lawsrendered void or limited the consumer'sobligation to repay. As a result, Defendants took money from consumers that thoseconsumers did not owe and typically could ill-afford to lose. 
Case XXXX XXXX XXXX XXXX XXXX feel that i was taken advantage of and overpaid on a loan that was supposed to be {$1500.00}. I only received {$1000.00} ( after a {$500.00} fee ) and had to pay them {$190.00} a month for two years. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a XXXX mortgage with Wells Fargo. I have been requestinginformation from them. They keep saying they need 16 days. They have been trytrying to foreclose on my mortgage from day one. They destroyed thePromissory note and sold my mortgage as a mortgage back security. 
I asked for the original contract with my signature and payment historythey sent me a bogus paper that was not the contract I signed. I asked forsomething showing the recording of the sale or transfer of my mortgage to themthey stated that they do n't own it. THIS IS FRAUD. TODAY THEY CALLEDAND STATED THAT THEY ARE FORECLOSING ON MY HOME 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been banking with Bank of America for over 7 years. On XXXX/XXXX/15, I had full access to all of my accounts and my online banking information. On XXXX/XXXX/15, I attempted to use my debit card and it was declined ; this was a shock, especially since I knew that I had sufficient funds in my accounts. I attempted to log into my online banking and was denied access. When I contacted BOA, I was told that my accounts had been frozen and were in the process of being cancelled. When asked why, I was told " It was a business decision to terminate the banking relationship and we are not obligated to provide a reason why. '' I phoned BOA numerous times as well as visited the local branch, and each time I was not provided answers. I was treated like a criminal whenever I attempted to find out what was going on. My employer and their banking company were unable to back out a direct deposit on XXXX/XXXX/15. On XXXX/XXXX/15, I obtained letters from BOA stating, " We 've closed your account above and any remaining balance wo n't be returned to you. '' There was still no reason provided. I am not delinquent with the IRS or student loans. All of my deposits are issued through the counseling agency I work for. There are no reported fraudulent or suspicious activity. I have yet to receive my money and have accrued penalty fees from organizations who have attempted to pull from my accounts as well as from the checks I wrote before knowing that my accounts had been frozen. 

Company response: Company chooses not to provide a public response