AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: This debt is not known to me. I am fighting an ongoing battle with this company. I have repeatedly made contact in writing and over the phone to no avail. I have sent law enforcement information to them to document that has been a victim of identity theft ; I sent them my Identity Theft Victims Affidavit and complaint made with the FTC attesting that this account was opened fraudulently. I complained to the credit bureaus and requested that full validation and they replied with just a statement stating that " the information has been verified ''. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information that is being used to ascertain the validity of this account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have repeatedly disputed XXXX XXXX XXXX XXXX tradelines that have appeared on my credit report for years as not my account. I have requested XXXX to investigate and verify directly and successfully sued them XXXX for violations of FDCPA ; each time XXXX paying me {$1000.00} for the violation but they continue to report these tradelines. XXXX has continually refused to remove and has confirmed they have XXXX documentation supporting these are my accounts but rather only that these accounts are on their books. I have served the credit reporting agencies written and online disputes and they continue to allow XXXX to report these fraudulent accounts. 

Company response: Company chooses not to provide a public response
Consumer complaint: After accepting the Experian offer for a report for XXXX dollar XXXX {$1.00} XXXX, Experian enrolled me in an unwanted monitoring program. I discovered on XXXX/XXXX/2015 that Experian has been charging my credit card for unwanted services monthly {$23.00}. I called the company XXXX on XXXX/XXXX/2015 and was given the phone number XXXX. The representative at the XXXX number said they would cancel my " membership '' but would not cancel the previous monthly charges. In my opinion, the information provided at the Experian website was misleading and their decision was improper to retain the previous XXXX monthly payments totaling {$47.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX, there is incompetent unproven sloppy blunders, concerning this ongoing issue with a criminal slumlord, that tried to scam and cheat me with worthless unrentable property. THE facts and irrefutable proof is with the City of XXXX, CA Code Inspections DEPT. Took XXXX days and XXXX visits to get this imbecile accountable. XXXX XXXX. This fraudulent and stupid blunder stating the injured party ( myself and my wife ) was evicted by a bias retired judge is criminal and punitive. I have rented XXXX years never been evicted. I do n't start now because I met XXXX trying to scam me and obvious retaliatory ( illegal ) eviction. This incompetent idiot on the bench was reported to the California assigned judges program, PLUS this disgraceful XXXX of justice is now at the California XXXX XXXX XXXX for review of incompetent jurisprudence/bias. emphasis added. I 'm sure these same sloppy blunders are in my wifes credit file also. XXXX XXXX ( ALL ) XXXX credit agencies. These are all harmful, negative blunders. Contempt without investigation is a TORT violation in california. 

Company response: Company chooses not to provide a public response
Consumer complaint: CountryWide stole my home from me, which had been paid for XXXX times over, first by my signature on the Promissory Note, then on the refi promissory Note & from my personal check which CountryWide monitized. Also I signed forms that were not fully disclosed to me. I did not know that by signing the forms, I gave the property back to CountryWide & agreed to pay them about {$900.00} a month for 30 years. 

Company response: Company chooses not to provide a public response
Consumer complaint: This debt is not known to me. I am fighting an ongoing battle with this company. I have repeatedly made contact in writing and over the phone to no avail. I have sent law enforcement information to them to document that has been a victim of identity theft ; I sent them my Identity Theft Victims Affidavit and complaint made with the FTC attesting that this account was opened fraudulently. I complained to the credit bureaus and requested that full validation and they replied with just a statement stating that " the information has been verified ''. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information that is being used to ascertain the validity of this account. 
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Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have XXXX PayPal accounts. PayPal restricted all accounts in XXXX 2014. They were very difficult to reach. When I did reach them, they asked me to send them some information, which I promptly faxed to them. I called them once again, and they told me they would release my money in 6 months. While I was extremely unhappy about them essentially stealing my money for 6 months, I decided to wait it out. Now, it 's been more than 6 months, and PayPal will not give me my money. 

XXXX account is XXXXXXXXXXXX. I has {$180.00} in it. Another account is XXXXXXXXXXXX. It has {$310.00} in it. The last account is XXXXXXXXXXXX. It has {$700.00} in it. 

I would greatly appreciate your assistance in getting my money back. 

Thank you, XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I filed an online dispute regarding a credit account that inaccurately altered my account from " pays as agrees '' to " included in bankruptcy '' even though a bankruptcy has not been filed. I contacted the creditor who agreed the account was supposed to be closed just due to inactivity on my account since it was not used for XXXX years but someone at their company entered the information incorrectly. They have sent notice to the XXXX creditors that the account should be changed to " pays as agreed '' but transunion continues to claim that they have not received the information and denied my dispute. The form of verification they used was merely to contact the creditor in question instead of using a XXXX source of verification to see if a bankruptcy was even recently filed. XXXX has received the updated information from the creditor and updated my report accordingly. XXXX and TransUnion have not. XXXX has also prompted another lender of mine to place my loan account on hold due to this ping of inaccurate information. They have had three weeks now. Any longer may result in me seeking legal action that will cost me more time and money. Why would a credit company just call the lender when the consumer is disputing information provided by said lender. That 's like asking a liar if they are lying. 

Company response: Company chooses not to provide a public response
Consumer complaint: They left a message on a voicemail that clearly states many people use it. They left my full name & said they were attempting to collect a debt. I have no idea how many people heard this message, but XXXX of my friends have now told me about it. This is a Google voice mailbox and they have saved the recording in case it is needed later. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This letter is my formal complaint, and ask you to investigate the business practices of Trans Union. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report to assure maximum accuracy. Without proper verification by their company, anyone paying for reporting services could fax, mail or email in a fraudulent account. 

They have no Verifiable Proof ( an original Consumer Contract with my Signature on it ) to verify that the account belonged to me the first time they reported the account on my credit report. Their failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. I 'm asking them to provide me with a copy of an updated and corrected credit report showing these items removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I obtained my credit report from Experian and in order to get my credit score, I paid {$1.00} to Experian. When I put in my credit card information, below that section, there was in small writing, a paragraph that stated my credit card would be charged a monthly amount for credit fraud protection unless I lived in New York, where credit reporting companies are prohibited from imposing such an automatic credit charge. I live in New York and the address I included for the credit card payment was my XXXX, New York address. I was charged the {$1.00} the day I received my credit score and then just today XXXX a couple weeks later ) a pending charge on the same credit card for {$23.00} showed up from Experian. I do not know what the charge is for, probably credit fraud protection, but I did not approve it and did not think Experian could charge me for it legally, as I am a resident of New York. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently was informed by U.S. BANK that they had put me on XXXX in XXXX 2013 for Automatic Teller Machine Abuse. I owe U.S. Bank no money or repayment of any kind, however they refuse to give me any documentation confirming this. 
I am a XXXX, XXXX, on permanent XXXX, and suffer from XXXX. In XXXX of XXXX I inadvertenty put a non-cashable item into their ATM. The very next morning I was at same branch and apologized and rectified my error. And for this oversight on my part they place me on XXXX for XXXX years?! That 's quite severe for an error in judgement, for which no monetary debt is owed to U.S. Bank. 

Please investigate this incident. I 'm requesting that I please be removed from XXXXRespectfully, XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXXXXXXXXXX XXXX, Florida XXXX : XXXX XXXX Account : XXXX ; Reference # : XXXX response to your collection notice, we dispute the validity of the debt ( {$480.00} ) based on the following information : Records will show that we were good XXXX customers for XXXX years. 
In XX/XX/XXXX, we began dropping calls at our house, due to lack of reception. After many calls to XXXX and their technical service, and more than XXXX months of poor or no reception in our home, XXXX of their managers finally admitted that their lease with the XXXX tower near us had expired., which is why we had no service. We sought remedy by asking XXXX to give us a " microcell '' aka, " range extender '' so that we could use our cell phones at home. They wanted to charge us {$100.00} for rental of the device. We asked to be released from our contract ( which was to expire in a couple of months ) since we could not use the phones at home. We were told that the credit for early termination would be applied when we connect with a new provider. 

On XX/XX/XXXX we switched services to XXXX. At that time we sold our old phones to private individuals. We learned that XXXX would not activate these phones until we paid {$210.00} for undisclosed charges. XXXX received our payment of {$210.00} on XXXX. XXXX finally activated these XXXX phones, billing the new owners - while simultaneously charging us for nonexistent services over the month! 

In addition to being billed for services we were not using, we never received the promised credit for early termination. In trying to resolve the issue, we talked to many individuals whose names are listed below. At XXXX point " XXXX '', in tech support, looked up our usage and concluded that we were not able to use the phones for many months. He assured us that he got it all straightened out and that our balance was " XXXX. '' Instead, we got a notice from a collection agency " XXXX XXXX, XXXX '' for {$430.00} XXXX charge. We spoke to XXXX XXXX XXXX representatives, " XXXX '' and " XXXX. '' We were told that credit was pending. We explained the situation to the collection agency with no resolve. 
We were recently contacted by your collection agency, regarding the same matter. Your representative, XXXX XXXX informed us that the amount claimed now by XXXX is {$240.00}. Even though this amount is lower than what XXXX originally claimed, we contest its validity based on the above information. We are requesting that XXXX XXXX clear our record of this invalid debt claim and remove it from all credit reporting agencies. 
XXXX XXXX employees we spoke with : XXXX - billingXXXX- tech supportXXXX - customer careSincerely, -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -XXXX and XXXX XXXX XXXX XXXX Correspondence XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Relations, 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: Although XXXX 's Hospital of Texas acknowledged receipt of my request that my dispute of their bill is under review, their collection agency, Financial Corporation of America, has sent me a bill. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a mortgage with BSI Financial. Numerous times I have requested a loan modification. Several times I was in foreclosure and borrowed money to bring my loan current. Now I am in foreclosure again. I was forced to file a Bankruptcy last time in order to keep my house. Numerous times I send the qualify written request and no replies. My accounted has called the BSI everyday for the last week requesting a payoff statement. No payoff statement yet. Every time my accounted calls they inform him to leave a message for a person named XXXX XXXX who never once returned a phone call and or even replies to emails send from customer service. All I can say they are the worst servicing company. They are going to cost me my house. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I submitted a complaint in some time ago regarding monthly maintenance fees which went unresolved. As a result, in XXXX, through my online banking, I submitted an electronic message to BBT to close my account and send me a check or bill for money owed on the account. They failed to do so. Ultimately, the bank continued to charge my account maintenance fees despite my request to close my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a continuation from earlier, This retaliatory ( eviction ) Unlawful detainer, to evade laws and accountability, has some incompetent jurisprudence/bias, and these stupid blunders from county clerks, hurried up and reported subreption, idiots!!!! LIKE I said earlier with transunion 's blunder, ALL ___XXXX credit reporting agencies____ need to be accountable. There arbitrary denial to allow me to view online, unless I pay. OTHERWISE I have to wait until XXXX, 2015 to legally get a report free of charge. This XXXX slumlord was reported to XXXX code inspectors for countless state law violations, of trying to defraud me with unrentable worthless property. This XXXX retired XXXX decided to abuse his authority and my due process rights and rewarded criminal negligence, fraud, and tortious breach of implied warranty of habitability, NOW I appealed this to the California XXXX XXXX XXXX, this careless idiot, circumvented irrefutable proof. Hardly a rock solid case against myself and my wife ( OBVIOUSLY THE INJURED PARTY ) bias/incompetence and judicial misconduct does n't allow this sloppy, inaccurate, harmful errors!! LOT of controversy here. PLUS, I have rented 35 years, NEVER been evicted. emphasis added. I do n't start now, because I moved to an homeless dreg, no income town, full of complacent slumlords, and sloppy code compliance, this defunct city of XXXX, ca is also grossly negligent, breach of there statutory duties. INTERTWINED ISSUES, DISGRACEFUL XXXX OF JUSTICE. Incompetent reporting of deceit to harm me and my wife is a TORT violation. 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2008, I was offered a credit card from Wells Fargo Bank. I excepted the credit card incase of emergencies and went over the particulars with a personal banker. One of the topics was rather I wanted to have it linked to overdraft perfection ; I declined to have it linked to overdraft protection as I used a saving account for this. I also knew that if attached to my credit card that interest would build on overdrafts and any fees. 
I attempted to use the card during an emergency sometime in 2008 after never using it and found out that the credit card was full in the amount of {$800.00}. I contacted the bank and they told me it was link to my overdraft and that is why it has the amount of {$800.00}. I took responsibility as my car insurance came out and I used my debit card for about 2 days not knowing it was over drawn. Wells Fargo charged me fees on top of using my credit card which I never allowed them to use for overdrafts. If It was set up to my savings account like I had requested, the money would have been taken out of there and I would have only been charged XXXX small fee. The banker had signed me up for this to gain more of his/her incentive and I went to the branch to dispute this but they continently told me there was nothing they could do. I paid on this bill as I continued to try and dispute it but they would not help in any way. 
I have been paying on this credit card and have it almost paid off. During this time I was still disputing these charges and about a year ago I did not want to pay anymore until they worked with me as this was unlawfully and unknowingly attached to me account and the card has a really high interest rate. During this time they sent it to collections and I am now having issues with my credit and obtaining any financing. 
I am and have been willing to pay my over drafts and even the fee that would have been placed to my savings account. I have now paid XXXX 's of dollars in overdraft fees and high interest due to this banks negligence to monitor what their personal bankers do to receive there quotas. 
I have no problem paying the card off at this point but I do n't deserve to have this negatively affecting my credit as I have paid them over a XXXX 's in interest and fess that I should have never even had to begin with. ( fraud ) 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX is claiming I am 30 days late with a payment. I paid it 5 days late in XX/XX/XXXX. I also paid the XX/XX/XXXX. payment then, too. I thought 30 days late meant I would pay a bill on or after XX/XX/XXXX for a XX/XX/XXXX due date. it is not fair. Also, I feel discriminated against because I am woman with a stay at home husband and children too support. My score would be higher if I was a man with a stay at home wife. I own my home, keep a current mortgage and make a XXXX figure salary as an ICU nurse and I go to school. The credit reporting companies are always for big business and rich people. Not people who work like dogs to provide for their families. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I, who were separated at the time, were expecting a XX/XX/XXXX tax refund check of {$XXXX}. My husband received the check in the mail, which was addressed to XXXX XXXX ( myself ) and XXXX XXXX ( husband ) on XX/XX/XXXX, took it to Wells Fargo bank in XXXX, CA, and deposited it into his independent account. Above my husband 's XXXX ethics in this situation, the bank violated national regulations since it deposited the check without my signature. Wells Fargo even violated their own policy that stipulates that XXXX payees be physically present to sign when the check is cashed. The bank 's response was that they were sorry, but they could not stop the check and that I should call the IRS to have the check stopped. I was unable to get through to the IRS to stop the check. 

Company response: Company chooses not to provide a public response
Consumer complaint: I got a copy of my credit report an learned that a collection agency has the same debt listed on it XXXX with different account numbers and different amounts and more than what I actually owe the creditor I did business with. The debt is for an old utility account I that closed and I did not get in the final bill in the mail because I moved. I called the collection agency and they said they would investigate my concern about them listing the same bill XXXX and get back to me however they never did. I went to the utility company for the original bill and paid it in full and I want the collection agency to correct their reporting on all XXXX of my credit reports. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In short, on XXXX XXXX, 2011, I took out a VA Mortgage Loan with WELLS FARGO BANK. Everything appeared good up until the point when I took some private accounting, constitution and banking classes. To make a loan story short, I discovered the fact that WELLS FARGO BANK participated in banking fraud. How is this so? All banks are governed by the Federal Reserve Bank. The Federal Reserve Bank published various publications such as " XXXX '', " XXXX '', " XXXX '' & " '' XXXX '', which openly admits that Federal Reserve Notes are not only real money, but how commercial banks NEVER loaned any money to anyone ; it is the borrowers ' signatures which create loans in the first place. Not to mention according to US Constitution, Federal Reserve Notes aka US Dollars are not lawful money. According to Article 1, Section 10 of the US Constitution, the only lawful money is gold or silver coin. Consequently, what happens is that when a bank receives a borrower 's signature, the bank endorses it as a check or money order and then report this as a deposit as a off balance book sheeting accounting transaction, creating a lack of financial transparency. Furthermore, the bank then reports this transaction as a bond with the United States Treasury. The United States Treasury then sends funds for the bond to the bank. In addition, the bank convinces investors to invest into the mortgage as a security by biding it on the Stock Market. The mortgage is then transferred into a " Special Purpose Vehicle '' as a " Collateral Debt Obligation '', which means the bank was paid twice as soon as the mortgage contract was signed ( XXXX by the borrower 's signature and XXXX by the investors ). This is further explained in my memorandum of law, which is attached herein. Furthermore, various correspondence was sent to WELLS FARGO BANK in regards to an inquiry about whether they were an actual lender as well as the demand for the original note. As a result, WELLS FARGO BANK did not respond and I put them into default. These documents will be provided at a later time. 

Company response: Company chooses not to provide a public response