AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX is conducting substandard, if not illegal, loan practices. Their website lacks key information about my private student loans, such as the original loan amount. They do not offer a service to allow borrowers to increase their monthly payment amounts. I took out my loans from Access Group, which worked fine for me through XXXX school. I believe ACS is intentionally obscuring their contact information on their website, does not allow borrowers to speak with a representative in the U.S. without at least a 30 minute wait period ( first requiring the borrower to go through a confusing automated recording that does not have an option to speak to a live person, then sending you through to someone overseas ), and is preventing borrowers from actively controlling their student loan debt. When I finally spoke to a representative, she told me they were not legally required to provide payment plan information. I was told that if I wanted to increase my student loan payments, to send an email to an anonymous address. I asked if there was a specific person I could speak to about handling my loan repayment, she said " no. '' My email would go to " another department '' that she did not have contact with. I do not understand how this is an acceptable practice. Given the opacity, I have very little idea of what they 're actually doing with my loans. I have researched complaints on XXXX and given the volume of posts on various websites by students of all backgrounds, I can not imagine how the practices at XXXX are legal. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have paid this debt in full as of XXXX XXXXXX/XX/2015 to XXXX. The unpaid collection continues to be reported by Patient Account Services. I requested a verification of the debt and received a response dated XXXX XXXX XX/XX/2015 stating the current balance on this account is still {$1000.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a collection agency that calls the numbers of family members and friends XXXX though my phone number has been the same since XX/XX/XXXX XXXX threatening legal action for a payday loan that was included on a Chapter XXXX bankruptcy in the State of Nevada, and discharged on XX/XX/XXXX. The original creditor is XXXX, but their XXXX was different - can not recall. Once contact has been made on my part giving the bankruptcy information, the old debt is then sold to another company. I suspect that it 's the same company each time, but that they provide a different name. The calls start every XXXX to 4 months. Please assist in putting a stop to this. The debt was included and discharged in my Chapter XXXX bankruptcy. The creditor is aware and was notified back in XX/XX/XXXX. They are completely disregarding this fact. Also, I suspect it is the same company because they always ask for my name in reversed order. " XXXX XXXX '', instead of " XXXX XXXX ''. My attorney 's office provided me with the XXXX 's XXXX link to file this complaint. Their office suspects that these collection companies purchased information from my bankruptcy and are illegally trying to collect on their own behalf, using methods like calling people I am related to, to try and collect funds. 

The collector, " XXXX '' once again took my bankruptcy information today, but would not give me their mailing address or any contact information so that I can contact their client/original creditor. They said it was my problem to find out any additional information relating to this debt and hung up. 

The problem with these agencies is that if they find that they ca n't get money from you, even with protections set forth by bankruptcy, they will wait a short while, and then seek out relatives or past relatives XXXX in my case, ex in-laws ) to try and scare them ( and embarrass me XXXX into paying on my behalf or contacting me to pay. This is unacceptable. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was not made aware of a debt before it was reported to the credit bureaus by Stellar Recovery Inc . The collection on the report states its a {$36.00} debt. It also states the original debt is from XX/XX/XXXX and says date opened XXXX/XXXX/XXXX, but did not appear on my report until XX/XX/XXXX. Had I not have had a credit monitoring service, I would have not known this debt even existed. I contacted the original company who the debt is said to be owed to. They told me that they had no record of this debt. I am requesting the information to be deleted from my report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Submitted a short sale offer to SLS Loan Servicing. Had to resubmit over XXXX times until acknowledged. Made over XXXX phone calls to SLS and have all contact numbers. Short sale finally approved and then still want info. can not get anyone to return phone calls and impossible to find status of file. No cooperation at all. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was approved for line of credit and i never used the card with the hope that i will use it for when i really needed. But when did need it i found out that they closed it because i didnt use the card 

Company response: Company chooses not to provide a public response
Consumer complaint: I talked to them and they said it was for a old account But since I was on the way to work and driving I told them I will call them the next day and this person said " NO you have to call me today " I ended hanging up I was on my way to work and could not hear her I ask my wife to call them and they would not give her the physical address they gave her a po box and did n't want to provide anything alse unless she gave them information about me like birthday and she told them she would not provide any information to someone who will not give her more details about it. I need to know how much and if this is legit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a letter in a name close to mine asking me to settle a debt. I do not know this company or owe this money. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: For the past year, or more, scince changing phone and changing to new phone Number, I 've been receiving intimidating, harassing, threatening leagal action against myself if I do n't respond : by various debt collection Agencies, claiming it is regarding ( I believe ficticious ) a person - XXXX Constanamous..? Attached to this phone number..? At first I tried to understand and set the record straight about I 'm not this person, I did n't write this ( ese ) bad check ( s ), and they always promised they would correct their records and take my phone number off their call list. It would be a couple of months and then the calls would start over and it seems other collecting agenies would be added, as if they must be passing my phone number and the erroneous information on this " bad debt '' to other new collection agencies. I 've contacted my phone carrier, XXXX XXXX, who only suggested changing to a different number ( at my expense/inconvience ) but as they recycle numbers, they can offer no guarentees of who or what might be attached to the new number..? This last month and a half I 've logged up to XXXX Voicemails of these intimidating harassing Phonecalls and contacted them and they '' ve continued with the same lie that they 'll correct their records and remove my phone number from their call list. A particular XXXX - Tier One, XXXX XXXX XXXX & phone # XXXX XXXX XXXX & # XXXX XXXX XXXX referencing some file # XXXX after just promising yesterday XXXX XXXX XX/XX/2015 to update and correct their records proceeded to call with their intimidating, harassing phone calls again today the XXXX XXXX XX/XX/2015 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: We have been trying to modify our loan after our hardship and have submitted documents to the america 's Servicing bank several time for several years and the bank never sent a resolution to our request. I was told by the services that our loan was in review the last time in 2011 but We never received a denial letter or a request for more documentation. Despite that, we have continue to contact the bank and sent modification packages with no response. We found out today that our house has been foreclosure back to America 's Servicing Co. And we do n't know how to proceed. With no place to take our family and not knowing what to expect. 

Company response: Company chooses not to provide a public response
Consumer complaint: Applied for a US Bank credit card, co-branded with XXXX XXXX a few weeks ago. Just got the card a week ago and now they are stripping the most valuable benefit from this card. The benefit ( a free night on any reservation ) is still on their website and advertized to people who sign up. I find this extremely unethical and dishonest. All they offered to do is close the card, but my credit report has already been pulled and is now worse than it was before opening this card. In addition, while talking to them, their agents constantly lie and evade questions. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is an ongoing problem and has bee since XX/XX/XXXX. Bank of America refuses to take any responsibility for their part of my issue with them. As I have told them ( repeatedly ) I am not denying that I am behind in payments what I am having great difficulty with them about my mortgage is their mistakes they 've made which are being placed upon me and becoming my burden. Through BOA own short sale program which they approved I had a buyer and followed all their instructions as did my realtor and yet BOA kept stringing all of us along for well over a year. This means that from the time I had a buyer until present the mortgage issue would have been resolved and no more missed payments and fees etc. Yet, BOA refuses to address this or remove all these fees and costs accrued that are their mistake and instead keeps pushing me towards a short sale or foreclosure. A foreclosure date has been set for XX/XX/XXXX. As far as a short sale goes, that 's really not a practical solution as the BOA customer svs rep wo n't even turn account over to short sale dept for a rep to be assigned. Instead she says to just submit the previous paperwork my realtor had already submitted with the previous potential buyer ( but not that buyers info ) and send through an equater system. I said this has been done before and this is where the ball got dropped before by BOA. I then spoke about appealing again and she said unless my income has changed it wo n't matter. I said that on the last appeal they ( BOA ) had wrong figures in my debt that would increase my income especially since I was told I only missed qualifying by XXXX dollars. My customer service rep said my debts do n't matter only my income. I asked then what was the point in filling out a debt vs income form. She said to just give them a picture but really only the income matters. My customer service rep then asked me if I had looked into refinancing with another institution? I asked who would refinance me with the mess my mortgage currently is and also the amount being charged against me with legal fees, loan fees etc keep varying in their amounts. I also do n't wish to be put in the position where if I end up going through losing my home that to add insult to injury I then get taxed for what ever loss Bank of America determines in the differences. The point being this issue could have been resolved permanently 2 years ago to present with the short sale Bank of America dropped the ball on and I am still paying the price for. I feel now that not only should I be given a clean slate regarding fees etc since having the buyer from 2 years ago to present that I should be given a clean slate to what my balance was when I XXXX had problems with making payments since my last payment in XX/XX/XXXX just on principle because of it still be a problem 4 years unresolved to date and always the same response and action ( or rather lack there of XXXX. 

Sincerely, XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: FMS is reporting to XXXX and XXXX that I have a collection but there is no amount. I do not have any outstanding medical debts. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: XXXX XXXX XXXX , XXXX, who assigned this account to RAB Performance Recoveries, conducted a presentation to my class at XXXX XXXX, in XXXX, MI. I was attending XXXX for their XXXX program and the recruiters for the XXXX XXXX were recruiting students to be in their XXXX program. The recruiters collected our information and stated that we could only enroll once we had graduated the XXXX program and had been licensed by the state. Following that presentation, I had never heard anything from the XXXX XXXX. I never provided any of the required information and NEVER enrolled in their program. Without my knowledge or consent, this program had taken out a private student loan for {$5400.00} on my behalf. I had never signed for nor received any of these funds nor did I ever agree to any terms for student loan, nor have I ever even enrolled with this school. 

I had no knowledge that this account even existed until I received a Writ of Garnishment request by RAB that was issued on XXXX XXXX, 2015. I am in the process of asking the court to vacate the judgment and allow me to proceed with a defense but that appears to be a long shot because RAB was able to get a default judgment without ever even informing that such a lawsuit existed. There was no attempts to collect this falsified debt until this recent garnishment. 

RAB Performance Recovery is apparently insistent that I owe this debt and has provided no proof of the validated of this debt. And I highly doubt any proof was provided to the court either. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I contacted the company that issued the debt to CMRE and they said they would contact CMRE to remove the debt owed, since it was off the books. However, CMRE still has not removed the debt from my credit report, thus financially hindering my credit abilities and is in violation of the fair credit reporting act. CMRE fails to return any of my phone calls or acknowledge my attorney 's letters. XXXX Adverse Accounts still remain on my credit report from CMRE Financial. 

Company response: Company chooses not to provide a public response
Consumer complaint: I acquired a home mortgage loan from Bank of America for {$100000.00}. This mortgage loan was totally satisfied on XXXX XXXX, 2015. For an unknown reason, Bank of America refuses to provide me with the mortgage release documents. 

Company response: Company chooses not to provide a public response
Consumer complaint: For the past year, or more, scince changing phone and changing to new phone Number, I 've been receiving intimidating, harassing, threatening leagal action against myself if I do n't respond : by various debt collection Agencies, claiming it is regarding ( I believe ficticious ) a person - XXXX XXXX..? Attached to this phone number..? At first I tried to understand and set the record straight about I 'm not this person, I did n't write this ( ese ) bad check ( s ), and they always promised they would correct their records and take my phone number off their call list. It would be a couple of months and then the calls would start over and it seems other collecting agenies would be added, as if they must be passing my phone number and the erroneous information on this " bad debt '' to other new collection agencies. I 've contacted my phone carrier, XXXX/ XXXX, who only suggested changing to a different number ( at my expense/inconvience ) but as they recycle numbers, they can offer no guarentees of who or what might be attached to the new number..? This last month and a half I 've logged up to XXXX Voicemails of these intimidating harassing Phonecalls and contacted them and they '' ve continued with the same lie that they 'll correct their records and remove my phone number from their call list. A particular one - XXXX XXXX, XXXX, XXXX XXXX & phone # XXXX XXXX XXXX & # XXXX XXXX XXXX referencing some file # XXXX after just promising yesterday XXXX XXXX 2015, to update and correct their records proceeded to call with their intimidating, harassing phone calls again today the XXXX XXXX 2015. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I purchased an electric shaver from XXXX on XXXX XXXX, 2014 for {$63.00}. It was lost in shipping and I never received it. I contacted XXXX on XXXX XXXX, 2014. They agreed the item was lost in shipping and shipped a XXXX shaver. They also granted me at {$7.00} credit for my inconvenience. 

I received the XXXX shipment, but never the XXXX. My spouse did n't like the shaver so I returned it. Despite at least XXXX phone calls to EACH XXXX and Barclays, they keep recharging me for this item. I have NOTHING. I returned the XXXX item I received. I am out {$77.00}. I can not keep calling. 

This MUST XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT - XXXX XXXX REBILL-XXXX XXXX REBILL-XXXX XXXX XXXX XXXX REBILL-XXXX XXXX, I do n't even want a refund. I want NO MORE XXXX charges to appear on my account -- ever. I want them blocked. They are being vindictive. Please help me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello everything was not cleared and this is another complaint. I had mentioned in the complaint before to clear it with the bank of the debt I owed, and the bank did there job and when I went to open an account after being told it was clear from the Chex Systems credit. It has not been cleared, I need to open an account for my job it is required and I am unable to due to the fact Chex Systems has n't cleared it and I am being told to many things for something not to have been handled by now. 

Company response: Company chooses not to provide a public response
Consumer complaint: The debt collection agency in question contacted a family member 's cellphone without any authorization. They provided details of the debt, including the amount, to the family member. The agency later denied contacting any family members. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was erroneously refused an early termination option as stated in my lease for an automobile. The car 's motor blew out after only 4 months of responsible driving/maintenance and was under warranty. However, I was not provided with a loaner vehicle and payment was demanded for an inoperable car that is no longer in my possession. My references have been harassed via telephone by AutoStart, who continues to illegally disclose claims that I should contact their office due to a late payment. The office/lot staff has been uncooperative, standoffish, and it seems I will continue to be subjected to an unfair breach of contract, dishonesty, and unfair auto leasing practices. 

Company response: Company chooses not to provide a public response
Consumer complaint: I answered an ad on XXXX that said that there was this family looking for a nanny to take care of their XXXX year old boy. A couple days after I answered the ad the person that put up the ad contacted me through email and gave me a description of how the job would be. I was a little hesitant at first but I accepted the job and once I did they sent me a check for XXXX dollars which was for errands and for my XXXX weeks pay.They had explained to me that they were living in XXXX at the moment due to the mans job with the XXXX and that they would be moving back to the desert on XXXX XXXX. They also explained that their house was being renovated and so a couple days after they told me that they had told me that their renovator needed more money before they could finish the job so I went to the bank and withdrew XXXX because they sent me specific instructions to send their renovator money through XXXX and XXXX XXXX. The amount they wanted me to send was XXXX but I ended up sending the whole XXXX they sent me and 40 dollars out of my own pocket to pay the remaining balance. A day after I sent that money I had checked my bank account and saw that I was negative XXXX dollars and just did n't understand why. After I saw that balance I went to my bank which is Bank of America to see what had happened and I found out that the family had committed fraud against me. The bank told me that I was liable for that money because it was deposited in my account but what I did n't understand was why the bank would process a check that was fraud and let me withdraw XXXX which was money that did n't even exist. I explained this feeling to a banker and all they said was, " that stinks but we ca n't do anything about it because you are liable for that money. '' The fact that the banker said those exact words to me which started off with something completely unprofessional came to a shock to me because they just were n't going to do anything to help me when this whole situation was n't my fault. They let me deposit a fraud check and than they let me withdraw almost all of that money and in the end I was the one that has to suffer with negative money in my account and I find that that completely unfair. 

Company response: Company chooses not to provide a public response