AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am requesting validation of a judgement recorded on my report under the company name of ; XXXX XXXX. The judgement was filed with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Tx XXXX. I have recently had my credit report investigated for a removal of a judgment that did not belong to me. 
The FTC outlines the contents of the letter that you should receive : How much you oweWho you oweStatement giving you 30 days to dispute the debtStatement that, if you dispute the debt in the given 30 day time frame, the collector will mail you the verification of the debt or a copy of the judgement against youStatement that the collector will provide the name and address of the original creditor ( if different from the current creditor ) if you write a request for that within 30 daysNote : If you dispute the debt within 30 days, the debt collector must cease attempts to collect until they 've mailed you verification of the debt or a copy of the judgement to you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was offered a buy out of my XXXX pension last summer. After comparing the numbers they had offered I decided NOT to participate in the buyout and keep my pension. When I called the number provided I was informed that unless I request a check in writing no changes would be made to my account. No such request was made. 
In XXXX I received a notice that a check for XXXX was deposited on my behave to CITIBANK and an IRA was setup earning almost no interest. I have since contacted those XXXX times to transfer the funds to XXXX XXXX XXXX XXXX which is the bank where I do most of my retirement accounts. The first time I needed to submit forms after which they said they would transfer the funds. I have made XXXX attempts after that to have the funds transferred. Each time saying all the steps were complete and the funds would be dispersed in seven to ten working days. They also suggested I could go to a local branch and get the check directly knowing I was in XXXX XXXX. The company has no branches in Texas or even XXXX. 

First and foremost I would like a reinstatement of my pension. If this is impossible then an immediate transfer of funds to XXXX XXXX XXXX XXXX on my behave would be an appropriate action. 

Thank You, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX I moved out of my home that was mortgaged with Flagstar Bank. 
XXXX Loan # XXXX XXXX I rented the home until XX/XX/XXXX when my situation dictated that I could no longer afford the home to to debt, divorce, car loans, 2nd Mortgage, etc. I tried to get Flagstar bank to refinance my home at the appraised value which was {$60000.00}. They refused to help me even though my loan amount with my 1st and 2nd was over {$100000.00}. I could not make the payments and could not rent the home to recoup what I owed per month. I also fixed up the home and tried to sell it at the lowest amount possible. Nothing worked. 
I walked away from the home due to these factors and Flagstar took it back and sold it afterwords. I am now trying to refinance my current home and can not because this is still showing up on my credit score because of the gap between what I owed them and what they were able to sell the house for. I received no help during my process of trying to keep the home at a reasonable amount due to the constant hurdles and road blocks put up by the finance department at Flagstar. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a Traditional and Roth IRAs money market accounts with Ally Bank. I 'm in the process of trying to transfer those funds between XXXX other FDIC insured banks so that all of my IRA money will be Federally insured. I signed, dated, and mailed the " IRA Transfer Requests '' applications from these XXXX banks to them. XXXX of the banks in turn submitted this signed request form to Ally Bank to start the process of transferring the money into the new Tranditional and Roth IRA money market account. However, a representative from Ally Bank called to inform me that the requests to transfer the money had been denied. When I asked Ally Bank why the transfer was denied, they informed me that my signature was not notarized by a notary public with a notary stamp. She said anyone could signed a transfer document. I told her that I had signed it and that I was giving her verbal authorization to make the transfer. I told her that she had asked me at least XXXX security questions to verify that I was the owner of the account in questions before we began the discussion of my IRA. There is no logic why after successfully answering the security questions that Ally Bank refused to accept my verbal acknowledgement that I ( the owner of the IRA accounts ) legitimently requested the transfer. The Ally Bank representative agreed with me but said the notary public notarization was their procedure. So I reprinted and filled out the Transfer Requests for a second time and had them notarized and signed by a notary public. I called Ally Bank bank to let them know that I uploaded a copy of the new " Transfer Request '' forms to my new bank and that they would send them the new transfer request. It was from this XXXX discussion that I was told that these requests would also be denied because they were uploaded copies and not the original forms. These kind of onerous rules have no place for an online bank who touts the ease of their software to fill an individuals banking needs. At the very least when I was initially informed that my transfer request was denied, I should have been emailed the precise requirements that needed to be performed to submitt successful transfer form. Instead I accidentally stumbled across the requirement that the transfer request forms had to be the original ones. At the most, when I call Ally Bank and successfully answer all the security questions but then still can not direct how my accounts are to be handled goes counter to having an online bank account. This is wrong and in my opinion over kill when the owner of an account can not call Ally directly to direct how their account is to be handled. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received XXXX calls from Capitol Management in XXXX Ny all within a 3 week period asking for XXXX different debtors who have absolutely no relation to me. When my husband called them back after the XXXX call he was told that my number appeared on XXXX different accounts there all in the same department & that was not an unusual thing to happen. I let it go, thinking that might be true until my XXXX year old daughter received a call on her cell phone ( under my name ) asking for another different name. I then decided to call myself and was told that her number and my number would be removed. The man stated that he could not tell me how my number or my daughters number got on all of those accounts but clearly one of there employees intentionally placed the numbers there to harass me. It was completely swept under the rug to cover up there illegal practices. I was told that I would need to call back and talk to there compliance department. If adding peoples number to an account to harass someone you just do n't like is a common practice for them then they should be out of business. I will be filing an attorney general complaint 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: The number XXXX keeps calling my employer trying to collect a debt. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: i check my credit report and it has a liens but the liens are not mine its from someone else i already fix the problem with the other bureau ( XXXX, XXXX ) and they investigation shows that it not belong to me. they take it off of my report. 
so i dont know why transunion keep this liens in his report. 

this is a case of identity theft and i already shows all the documents to prove itto the others bureussending the police reports, trade comissions report affodavid and a lot of documents they ask. 
so i need to take this off of my report becuse its not mine, and is damage my credit score and job opportunities. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had a XXXX XXXX credit card for several years now, but unbeknownst to me they changed companies last year or " transferred lenders '' from XXXX XXXX to XXXX as it says on the report and my account was closed without my knowledge. So when I went to purchase goods from there this year rather than updating my account they started me a new one which subsequently hurt my credit score by bringing the age o my average account down significantly. I now have XXXX listings for XXXX XXXX cards with a less than XXXX year gap in between uses and a credit dip to boot. Help! 

Company response: Company chooses not to provide a public response
Consumer complaint: This complaint is against Experian and XXXX and XXXX XXXX. XXXX XXXX reported to XXXX, XXXX and Experian " to delete the credit card account noted above from your credit file. " In the process XXXX XXXX associated my SS # with my mother 's name and vice versa. A complaint is currently on file with Consumer Finance # XXXX regarding above-mentioned. As of today XXXX/XXXX/2015 under personal information for myself, XXXX has listed " formerly known as mother 's name ''. Experian has mother 's name associated with my credit file. We are now in a much bigger situation, I believe with Privacy Act Laws. I have been put on hold for financing for a Mortgage Loan. Because of this situation I have also lost the opportunity to access Federal Funds to help with closing costs. This all starts with XXXX XXXX and the way information was reported to the Credit Bureaus but the Credit Bureaus will not accept documentation from me or my mother to correct this error and XXXX XXXX seems to be all over the place. I feel like no one is doing anything. These are errors that have created an identity issue. If I dispute my credit file I risk the dangers of scrutiny by Underwriters and if I do n't dispute who helps? This is a major issue that needs to be rectified immediately not in XXXX days. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a $ XXXX {$920.00} XXXX XXXX Alabama charge originating in 2014 on my report. My account with XXXX has been cleared, I discussed and confirmed with them today at XXXX. This is fraud, and the Credit Mamagement ( their spelling on my credit report ) Company has been flagged and reported as a fraudulent debt collector. I do n't have any supporting documents because a legitimate account for this dispute has never existed. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I filed for bankruptcy back in 2008 but it was never approved. It was denied. Therefore I was never in a bankrupt status. 

Please remove it from my credit history. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made an ebay purchase on XXXX XXXX 2015 through paypal to the XXXX for {$370.00}. Paypal billed my paypal account associated with ebay AND my paypal credit card account. Discussions with paypal go something like this, they say to call paypal if I call the credit card section and vice versa. I suspect this is the tip of the iceberg and I am not the only one being cheated our of my money. I felt when I talked to the XXXX arms of paypal the system was rigged to never refund anyone any money. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Collector calls repeatedly through out the day even after stating to no longer call. 
In response the collector just states that they will just keep calling. 
Which in return is harassment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I bought a house back in 2005 to be my home and fixed according to my family needs ; unfortunable, had to get a XXXX mortgage in order to be aproved by XXXX at tha particular time ; after years of stress and tears with the help of a lawyer and under the HAMP, was able to keep my home and reach an affordable mortgage according to my income ; now my lawyer and the program toll me that the XXXX mortgage will disapear after the modification and that I did not have to worry about anything but paying in time, which I 'm doing, this Comp Green Tree Servicing LLC, after five years is harrasing me and my family ; calling my cellphone and sending me letters in an anoying way for something that is out of my hands ; our lawyer statement is radical ; they new the risk in case off a financial crash and they lose, as simple as that, now they asking me for a credit card to withdraw the money monthly, that does n't to legal, does it?. Thank you for the attention 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The bankruptcy was discharged in XX/XX/XXXX which included the house and the property was removed from my name in XX/XX/XXXX by XXXX XXXX XXXX. In the past week I have received 3 letters and 2 phone calls stating that I am delinquent when the house is owned by someone else and has been for 5 years. I have no credit with XXXX XXXX XXXX. When speaking with a person from XXXX XXXX XXXX, they said the mortgage was closed XX/XX/XXXX, yet I received phone calls after that conversation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX {$2100.00} account reported on XX/XX/XXXX OpenAccount # XXXX $ XXXXBalanceXXXX XXXX XXXXOriginal Creditor $ XXXX BalanceXX/XX/XXXX DateXXXX, XX/XX/XXXXLast ReportedIndividualResponsibilityPlaced for collectionRemarksNote 

Company response: Company chooses not to provide a public response
Consumer complaint: This debt has been paid in full since XXXX 2012. There is a XXXX balance for this paid collection. Please remove it from my credit report. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I was unaware of this debt until I served with a summons. Med 1 is suing me. I received the summons on XXXX for a court date XXXX, During the weeks prior I tried to call Med 1 to see about a settlement but no one there was helpful and my attempts were deflected and futile. I have a company working on my credit and asked them what to do. They sent a letter ( attached ) asking for details on this. The " lawyer '' XXXX XXXX '' at Med 1 refused to give him the information since they are not a law firm requesting it. Even though I did sign a power of attorney permitting the company to act for me. 
As a result I was lucky to get a continuance but only until XXXX. 
I need details on what I am being sued for. How can I defend myself when I do n't have any of the information? 
This company is trying to skirt Federal law and bully me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: this account is fraudulent someone got this from my identity being stolen yet choice recovery has reported it to the credit bureaus and also has it in their records to collect ... i have a police report and a id theft affidavit that has been notarized concerning this matter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I recently pulled all three of my credit reports sometime in XXXX. I noticed a collection account for Enhanced Recovery Corporation. I sent a debt validation letter on XXXX/XXXX/2015 and as of today I have received nothing to validate the debt. I disputed with all of the credit bureaus but they say its been validated. How is this possible if I ca n't get basic information such as a last billing statement or contracts signed by me for this account. I have had my bank account compromised twice in the last two years and need to know if this is legit or not. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: Did not receive ANY communication regarding overdue payment from Macy 's credit card, nor notice of it having been sent for collection. I only became aware of the debt upon taking my credit report. When I called Macy 's credit card and asked about this, pointing out that although I had moved, I had mail forwarding in place, I was told that Macy 's does not allow the post office to forward their mail -- they must instead return it to Macy 's. I was told that this practice is legal because it is stated in the original agreement. 
I do not understand how a company is allowed to have a practice that clearly makes it impossible for them to notify a customer who has moved about possible overdue payments. I had no recollection of owing money to Macy 's, and in addition to not receiving a reminder letter I have not received any phone calls ( my number has not changed ) or e-mails to that effect either ( I do, however, still get Macy 's ads and member deal reminders via e-mail ). 
My credit score has suffered considerably as a result of the lack of communication from Macy 's. I am in the process of buying a house, and a small debt -- less than a {$100.00} -- will now likely cost me thousands of dollars in higher mortgage rates. I find this entirely unfair, as I would obviously have paid the bill if I had know it existed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested for validation within XXXX days or to cease communications and this was not honored. ( XXXX/XXXX/15 ) I received another letter from the collection agency ( XXXX/XXXX/15 ) which is a violation of the FDCPA as validation was not provided. I sent another letter on XXXX/XXXX/15 requesting for validation again and granted another XXXX days. Validation was NOT provided to me and I am requesting that all communications be ceased, and that this account be removed from my trade line. 

Given the FDCPA violations described above, I am seeking damages for each offense up to {$5000.00}. 

Your response is greatly appreciated as soon as possible, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I closed this account by turning in the mobile phone on time and they added another payment to the account when the account was closed. I would not pay it and they sent it to collections. 

Company response: Company chooses not to provide a public response
Consumer complaint: i have disputed the XXXX XXXX credit card acct for the last 6month. i XX/XX/XXXX they reported all of XX/XX/XXXX-XX/XX/XXXX. they have not reported on my acct since XX/XX/XXXX. XX/XX/XXXX i had a credit limit on both accts and on XX/XX/XXXX. i did not have a credit limit on either acct.they also change acct number changed pass due amount. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 at XXXX, I received an call marked as unknown on my cell phone from a woman named XXXX that I had to call her back at XXXX ext. XXXX by XXXX that night regarding the account I have with them. First, this is Advance Capitol Solutions which is a debt collection company that I have NO relationship with. This company needs to stop contacting me immediately and I am filing a compliant with every organization I can to get this illegal company shut down. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am resubmitting a complaint to chexsystems because in their response they refused to remove the fraudulent inquiries that have appeared on my chexsystems file due to my police report date not being close to the new fraudulent inquiries. I have filed another police report listing XXXX and XXXX. I have not received the letter they stated they sent with the new report. I have yet to see what is on my Chexsystems file but the only inquiries that should be listed are XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Any other inquiry on my file is fraudulent. I also never requested for a fraud alert on my XXXX file. They mentioned that I can dispute through them XXXX to remove the fraud alert on my consumer risk file XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received numerous letters and phone calls from this collection agency over the course of years. I did not recognize the debt however in order to rid myself of the problem, when I received a letter that was an offer of settlement for an amount that I could afford, I sent in the payment. I 've since learned that this debt is barred by the Statute of Limitations and not even on my credit any longer! Instead of receiving a letter acknowledging the debt payoff, I received another bill for the balance! I wrote on the back of the check and on the return stub ( see attached ) that it was an accord and satisfaction. I hope this will stop them from trying to revive the debt. Outrageous! 

Company response: Company chooses not to provide a public response
Consumer complaint: I have filed a credit card with Citi and was approved. The problem is they gave an APR of 20.99 % after the introductory period. I have excellent credit history and credit score and I have called them and tweeted them about why is the APR so high. If a person with excellent credit history gets 20.99 %, who will get the best APR? 
Also the problem is there are not giving any answers why is the APR set at 20.99 %. 
If I 'm the consumer of the product I should how I got the that APR. 
I have closed the account. The problem is my credit scorer decreases a few points because of the credit card application and closing the account. Why should I lose points? They are not answering any questions which I ask. 
Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately. 

Company response: Company chooses not to provide a public response