AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I had a rental unit with XXXX for over 4 years, paid every month. My wife and I got it when we moved out of state with the plan being to come back for our stuff. 4 years later we realized we did n't really need the stuff anymore so we called XXXX XXXX and asked them what our options were to get rid of the storage. They told us the only way without us coming to get the stuff was to let them auction it, so we did. This was in XXXX XXXX, auction was in XXXX XXXX. The deal was they would auction it then send us a bill for XXXX, XXXX and then a couple fees minus whatever it had got at auction, estimated to be {$540.00}. In XXXX XXXX I receive a letter in the mail from a collection agency saying that I owe NOT ONLY the XXXX that the storage came out to be but also {$160.00} additionally for them to collect this fee from me. That is extortion, charging me extra money on top of my actual debt or else reporting it to my credit. I NEVER EVEN RECEIVED A BILL FROM XXXX! Never! And not only did I not receive a bill but also the letter from the collection agency came within a couple weeks of my unit 's auction! So immediately I contacted XXXX via their " contact us '' web page. I have been back and forth with XXXX trying to sort this out since then and finally now XXXX XXXX, a manager from XXXX XXXX said he can sort it out for me and get my bill to be XXXX dollars as it should be. So today I call XXXX XXXX from the collection agency as XXXX XXXX told me to and the agency will not put me in contact with her. They wont let me talk to explain the situation. They are extremely rude and threatening. They tried to demand my phone number and other information and of course they wont just let me pay the XXXX as I owe. Hopefully XXXX XXXX can at least sort out the payment for me, but either way a complaint needs to be filed on these guys. 

Company response: Company chooses not to provide a public response
Consumer complaint: I became aware that Prestige was storing my credit card info in some part in their system and via a 3rd party system I requested on several occasions that the information be removed, that I had n't consented nor was I told that my credit card number will be stored To this request I received push back and was ultimately that Prestige only keeps the last XXXX digits of my card info I was told their 3rd party vendor XXXX XXXX houses the information. Again I asked that the information be removed and that was again met with resistance. I was told to contact XXXX XXXX which on XXXX/XXXX/2016 I did. I subsequently did a 3 way call with XXXX XXXX and XXXX from Prestige. 
During this recorded call XXXX said XXXX XXXX had the stored credit card details and the rep from XXXX XXXX said they did not keep those details. I have n't made any payments directly to XXXX XXXX my payments are made to Prestige and no where on their website nor in any other disclosure is there any information about how my information is stored. Prestige has refused to remove the information from their system or request that the information be removed by their 3rd party ( where applicable by law ) Prestige has continuously refused to aid in removing this information. They also have refused to remove the viewable information from their system. 
Prestige is engaging in deceptive practices and privacy violations as well as compliance violations as it relates to keeping credit card information on file. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Focus Receivables placed a collection account from XXXX in my credit file. I was never contacted by them by phone or mail and had no know of this account. I have lived at my current address for over 10 years and have not had an account with XXXX. To make matters worse, they the high balance showing at {$110.00} and a total balance of {$530.00}. A little confusing. But nevertheless, I do not owe this bill or XXXX for I never had service with them. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The first statement I received from Home Depot covered a 16 day period commencing XXXX XXXX ( date opened and made first and only purchase ) and ending XXXX XXXX,2015 was received by me on about XXXX XXXX, 2015. Upon review of the terms, particularly the very high interest rate of 17..99 % I chose to immediately discontinue use of the credit card and notified Home Depot to close the account. So rather than paying the installment amount of {$25.00} I paid the full outstanding balance. This payment was received by Home Depot on XXXX XXXX,2015 representing payment in full. The following month I received a statement showing the payment in full and a late penalty charge of XXXX. 

I believe this charge is unfair and abusive. It appears to be justified by the fact that an installment payment {$25.00} was not paid by the due date of XXXX XXXX,2015, about 10 days after receipt of the first statement on the account. 

When I received my first statement I assumed, based on applicable regulations, I would have the normal XXXX weeks to make a payment before late charges could be assessed. And further since the statement revealed an excessively high interest rate I needed time to obtain funds to pay the account balance off immediately. Having made payment in full within 10 days of the receipt of the statement I believe the first late fee and interest charges are unfair and abusive, .and should be reversed. Multiple late fees charged as a result of unpaid first late fee charge are clearly unfair and should be reversed together with late delinquent interest charges 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter in the mail about debt to a healthcare provider. There is no information about why I owe this debt or when this debt supposedly took place. They are threatening me that if I do n't contact them they will obtain a judgement against me ... And that they will submit a negative credit report to XXXX XXXX and XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX has been reporting incorrectly on my credit report. I have written them and the credit reporting companies numerous times with no result. This is an alleged debt from the original creditor XXXX. XXXX is reporting incorrectly to experian. They keep reaging the debt. this was an alleged debt from XX/XX/XXXX and XXXX continues to report on my credit report that this is a new account from XX/XX/XXXX. They are incorrectly extending the time to remain on my credit reports and the date of opening is wrong 

Company response: Company chooses not to provide a public response
Consumer complaint: DEBT WAS SOLD AND COLLECTION agency SETTLED DEBT AND NOW MACY 'S NOT REMOVING DEBT AND STATING THEY HAVE NO INTEREST IN ACCOUNT, BUT STILL NOT REMOVING AND OR NOT TALKING TO ME. DEBT ALSO WAS LIST AS IDENTITY THIEFT 

Company response: Company chooses not to provide a public response
Consumer complaint: spoke with XXXX XXXX at Valentine Law Offices. He has violated the FDCPA and stated that I can not consolidate my loans because he is going to submit me for garnishment which is falsifying information and a scare tactic to get me to pay him and do the rehabilitation program. He also did not state the mini Miranda on our phone call with a third party on the line. He is also way too aggressive to be handling my student loans and this agency does not deserve to service my loans. He needs to be reprimanded and sent back to training and I would like proof. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: An item which originated in XXXX of XXXX from XXXX XXXX XXXX appeared on my XXXX and XXXX reports in XXXX of XXXX. I contacted XXXX XXXX and the only information they have on this is index data which indicates the item was sent to collections in XXXX. It is now being reported with an " Open Date '' of XXXX XXXX, XXXX and XXXX XXXX, XXXX, respectively. It has obviously been re-aged. I was never notified of this collection attempt via U.S. Mail or telephone. I will send out letters to the agency next week after XXXX with a demand for supporting documentation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My identity was stolen and used to add XXXX extra cell phone lines to my XXXX wireless account. After filing fraud with XXXX and getting affidavits of fraud for each individual line added to my account and police report and countless conversations with XXXX, the extra cell phone lines were erased off of my cell phone account. So because the lines were canceled, the company XXXX XXXX has been coming after me saying I canceled the insurance for those fraudulent lines and that I owe money to them. I did not comply because I never signed a contract with them during the fraud and it was forwarded to the company Aldous and Associates who have been threatening to send this into collections and that I owe {$800.00}. Please help me put an end to this. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have an auto loan with ally auto. my XXXX 2015 loan payment was processed as a principal only payment, they then sent me a late notice and a notice of intent to report negative information to credit bureaus. they also deducted a finance charge of {$79.00} from the payment, as they do for my regular monthly payments. while trying to rectify the situation they stated that the whole of the XX/XX/XXXX payment was applied to my unpaid balance and that they were going to adjust the balance and take a finance charge. I pointed out to them that I was looking at my payment history and that a finance charge was already deducted from the payment. so far I have not got a fair resolution to this problem. lastly they applied a {$13.00} late fee to my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo home mortgage continues to use " mortgage backed security '' as an excuse to deny us any further help and acknowledge that the loan terms and structure of the loan modification that we were forced into signing on XXXX XXXX 2010 and if we did n't, they threaten us with foreclosure. They keep assigning different representatives that claim to research our concern and dispute, we always get the same response that theirs no evidence of any wrong doing by Wells Fargo Home Mortgage or its investors. So for the past five years we have been paying interest only to Wells Fargo Home Mortgage and current still have an Adjustable-Rate Mortgage ( ARM ). Wells Fargo has made it difficult and impossible for us to repay them and currently forcing us into foreclosure again. We have been targeted, abused with all these practices from Wells Fargo Home Mortgage. Wells Fargo Home Mortgage claimed to help us under the program Making Your Home Affordable but did the " BAIT AND SWITCH " on us with this XXXX loan with step Rate - Interest Only. We have been targeted since the beginning because we are XXXX and live in a city which is predominant XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dish company has tried to collect a debt I do not owe. Dish turned me into collection agency early last year and after I provided all documentation the collection agency at that time removed me from the debt. This was removed in XXXX XXXX. Now a XXXX collection agency is trying to collect this " so called '' debt again. It is possible for you to look at the XXXX main credit card reporting companies to review my case. I thought when this was removed from my report that year I was done with this case, Some of the paperwork or documentation I no longer have as I did n't think I would need. Can I bring legal action against the XXXX XXXX for trying to ruin my credit. If you look at my credit reports you will see I have excellent credit. Also the collection agency XXXX has now gone through did n't even bother to send me a letter or any correspondence that this was going on my credit report. The balance XXXX say I owe is {$430.00} which is very much not correct. This case started back in XXXX of XXXX. Please advise what to do. This is so wrong what I have been through with this company. Would love to expose this company for their rotten tactics. Please advise. thank you 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There is an account that is past the statute of limitations and still listed on my credit file. University XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a new phone number ( XXXX ) and apparently, the person that had the phone number before me owed a debt to " Allied Interstate ''. Allied Interstate called my phone and asked for this other person. I told them they had the wrong number. They asked if I knew this person and I said no, this is a new number and phone for me. I do not know this person. The caller from Allied Interstate proceeded to yell and scream at me, call me names and harass me saying that I was trying to run from this debt! I just hung up ... She called right back! I have no way to block this number, they are calling the wrong person and can continue to call and scream at me whenever they want ... This HAS to be illegal? Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I routinely schedule my monthly Citi card payment online ; I also routinely find that the payment I schedule for XX/XX/XXXX, on or about XX/XX/XXXX, is not in the system. So I schedule it again the day its due. This past month, I went through this process ( checking to make sure my original payment was n't in the Citi system ), only Citi charged my bank account twice, overdrawing it. I called Citi immediately once I learned about the second charge, and they assured me they would stop it. They did n't. They tried to charge my account two more times, and when I called again, they said they were " investigating '' and could n't stop their system from the repeated attempts. When I then contacted them asking to be reimbursed for the overdraft fees from my bank ( now {$100.00} ), they said that because I scheduled both payments ( because their system failed to show me my first scheduled payment ), they wo n't reimburse me ( they also did nothing to even attempt to stop their system from charging my account ). I 'm now out {$100.00} ( and I had to delay or stop other payments as well ), and they 're stonewalling me ; I could use some help. 

Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: My Experian credit report and XXXX XXXX show an address of XXXX XXXX XXXX . XXXX . XXXX, XXXX XXXX XXXX, FL XXXX. I have never lived in Florida. This address has been used by someone trying to open accounts under my name and identifying information. This needs to be removed from my credit history. My credit report also shows hard inquiries by XXXX. I have never applied to XXXX for an account. This is the reason I have fraud alerts on my credit reports. These need to be taken off my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Receive multiple misleading mortgage refinance letters from Service 1st Mortgage Inc. Letters imply they are from Veterans Administration and /or current mortgage lender. Letters attempt to get you to think they are calling about your existing loan and need to take action on your existing loan. In reality, it is a refinance offer ( at higher rate ) and attempts to mislead consumer about escrow refunds. See attached copy of letter. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I disputed a tax lien which reporting twice on transunion and both bankruptcy which are incorrect on their dates and amounts. transunion failed to properly investigate these XXXX items and thus i need them deleted per the FCRA. I am really upset that they are not doing what they say they claim to do. 

both tax liens are showing up as paid and i spoke with the IRS and they said they are doing a withdrawal as they were duplicates and incorrect as i was paying my taxes. 
I went to the court house and spoke to the county recorder/clerk and they confirmed they never speak, email, call or fax any credit bureaus yet both bankruptcy are reporting incorrectly. 

this is not the first time i have tried to have these items removed. Please assist me thank you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/14 on EXPERIAN. I did not authorized anyone employed by this company or at this company or EXPERIAN to make any inquiry or inquiries and view or show my credit report to anyone, person, company, entity, business, co, corp or similar. EXPERIAN and XXXX have violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof Bearing my Signature or Request in Writing that I authorized them to view my credit report, then I am demanding that EXPERIAN remove the unauthorized and fraudulent hard credit inquiry immediately from my EXPERIAN credit file. 

Company response: Company chooses not to provide a public response
Consumer complaint: IRS says my funds were released on XXXX/XXXX/16 to my Netspend account that I 've had for years. A couple days go by and I still do not have my funds. When I call customer service it 's always someone Foreign who I can never understand. They tell me I need to check with IRS about my money. I should n't have to check with them when my direct deposit is with Netspend!! So I get on Netspend page on XXXX and seems like everyone is having the same issue. People opting for the Netspend card when they filed their taxes and no money. Turns out that Netspend has rejected everyone 's tax refund and now IRS will be mailing out a check on XXXX/XXXX/16. I had plans to move my family on a certain date now I ca n't thanks to Netspend not giving me the money that I have earned. They keep lying on their page instead of telling people the real truth on where their money is. The customer service sucks and they do not care about their customers. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Transunion has been historically reporting wrong information on my credit report. I have disputed the bankruptcy listed on my report. They have XXXX chapter XXXX listed on my file which is against the law to file so we know the reporting is incorrect. When I called and told the agent that was impossible to file XXXX bk in a 2 year period and I explained to them it was a chapter XXXX and the time had expired but since it 's reporting incorrectly is been on my records for an extra 2 years. When I explained this to a agent I was told they would investigate but the results were the same which says they did n't investigate the issue well. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made returns on my Bloomingdale 's store account back on XX/XX/XXXX in the amount of {$1300.00}. That left my account with a credit balance of - {$1300.00}. I subsequently requested a check be sent to me for the remaining credit balance and it was. On XX/XX/XXXX I cashed this check and a stop payment was subsequently placed on it on XX/XX/XXXX, reflecting on XXXX. I contacted Bloomingdale 's who informed me that they mistakenly put the stop payment on and that they also closed my account citing that it was an Employee account. I was a former employee, but my account was transitioned to a normal account soon after I quit Bloomingdale 's XX/XX/XXXX. I was also charged a returned item fee for the stop payment by my bank in the amount of {$12.00}. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had a vehicle that was stolen in XXXX XXXX. I made my monthly payment to Ally Financial early for that month and called to request that the payment be returned because the vehicle was stolen. They returned the payment and awaited payoff from my insurance company. 
I called ( Total Loss department ) weekly to make sure they needed nothing else from me and when I called in XXXX they stated they had everything and had received a check from my insurance company and communication from the GAP company. I was told I was all set. 
Fast forward to XXXX XXXX, XXXX I missed a call from an unknown number and called it back the following day after a second call. It was the collection department at Ally. They stated I owed approximately {$5400.00}, after being transferred, it finally became {$670.00} after being researched. 
XXXX different representatives ( because XXXX disconnected the call ) in escalations ( XXXX and XXXX ) advised XXXX different reasons as to why it was XXXX and I am just being notified of a balance. XXXX stated that it had to do with an incorrect payoff amount being given to XXXX XXXX. The time it has taken to notify me of a balance that I do not believe I owe is ridiculous. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2016 I sent a wire transfer from my bank " XXXX '' in California via an intermediary bank " Bank of America '' to the beneficiary bank " BAC '' in XXXX. 
BAC would not release the funds because of incomplete information. After further questioning as to what was incomplete BAC supplied me with two emails showing that Bank of America in XXXX omitted the name and address of the intended beneficiary in XXXX. I am asking for a full refund of the charges involved because after I finally had the funds returned I needed to pay all the charges again. XXXX charged me {$40.00} and Bank of America charged me {$15.00} for the incomplete service. 


I have sent a certified mail with all the documents and received a form letter telling me to get XXXX XXXX to handle it. 

It is almost impossible to get thru to Bank of America and the wire transfer division is almost top secret. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I never received a notice of intent to collect on this debt so i do n't know what it is for. I discovered it on my credit and i have reached out to the complaint on several occasions and i have yet to hear back from them 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response