AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My name is XXXX XXXX XXXX and I would like to complain about Enhanced Recovery Company. Here is my story. I usually check my credit report like other people. As just usual, I checked my credit report in XXXX 2015 and I found that there was XXXX collection amount reported on XXXX credit report, the amount of {$68.00} reported by Enhanced Recovery Corp for XXXX XXXX expense. So I DISPUTED and talked to XXXX representative and waited for the result because it does not belong to me. However, XXXX replied me back with a bad news that the collection amount belongs to me. So, I talked to XXXX directly and I found out that I have no past due at all AND they said that they did n't even know that ( after they investigated it. ) So, I disputed again in XXXX and they replied me back with same answer that it belongs to me! So, at this time, I also talked to the Enhanced Recovery Corp directly and disputed in writing ( by certified mail ) in XXXX 2015, but never received reply back. I also requested any support or backup documents for the collection amount of {$68.00} if it really belongs to me, then I can pay ... that 's not a problem at all, but they did n't even give me any backup documents for the {$68.00}. What should I do?! The collection amount of {$68.00} still shows on XXXX credit report, which I want to remove as soon as possible. It 's a simple thing ... if it 's mine, I will pay it, just provide me the invoice/documents, HOWEVER, if it 's not mine, get rid of it ASAP! 

For your information, I would like to provide you the collection agency 's information here. The collection agency 's name is Enhanced Recovery Corp and they reported {$68.00} for XXXX XXXX expense. Their phone number is XXXX and the address is XXXX XXXX XXXX XXXX, FL XXXX. Their account number XXXX my case XXXX is XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I receive at least 10 calls a month for a XXXX XXXX for a debt that he owes. My last name is XXXX. There is NO XXXX XXXX living at my residence, in my family or even a friend. I have been instructed by a electronic voice to hang up if I am not XXXX XXXX. When I do, they continue to call. I have called them, they have apologized and said my number would be taken off the list. It has not. I am being harassed by these people and would like the calls to stop. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: On XXXX XXXX, 2015 I received {$11.00} for XXXX for making several online purchases. 
On XXXX XXXX, I requested that PayPal transfer {$11.00} in my PayPal acct to my XXXX XXXX Checking acct. 
PayPal states that the money will be sent in XXXX5 business days. 
As of the date of this complaint, no money has been transferred into my XXXX XXXX Checking acct. 
Paypal email address is XXXXXXXXXXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a few debt collectors that have tried to collect on a debt that has been paid, for a while now, and they say I still owe it. This is for a credit card, I have faxed the letter from when I paid it and they still keep sending it to different collection agencies. This has affected my correct score. Please help with this. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Most recent address shows XXXX and I have never lived in XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Consumer Finance Complaint # XXXXXXXXPlease add additional information to complaint : The mortgage loan was transferred to Countrywide Home loan from the lender I tried several time to modify my loan because the interest rate adjusted out. I was given given incorrect information on how to submit the modification by customer service., Documents was faxed to Countrywide several times but they would statethey never received them. Several large mortgage payments was also made to Countrywide per their request. 
The loan was later transferred to Bank Of America and they were difficult to workwith on the modification request. I 'm aware Bank Of America entered into a Federal Consent Order, Justice Dept. because of the mishandling of mortgage modification requests. I am a victim of those unfair practices. I 'm still residing in the propertyand I want to keep my house. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mother put me as a user for XXXX of her credit cards and I would like my name off them accounts. My mother stopped paying these accounts and left them neglected but now they 're showing up on my credit report and I never wanted to be a user. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX, 2015 I mailed a dispute to Experian and approximately 27 days later I got a response stating : " we have received a suspicious request regarding your personal credit that we have determined was not sent by you. We have not taken any action on this request. An future request made in this manner will not be processed and will not receive a response. '' I was very disappointed and took to the internet to research this. It seems that Experian is doing this to everyone. However, on XXXX XXXX, I mailed a registered letter explaining that the letter was not fraud and to please process my claim. As of XXXX XXXX XXXX today ) I have not heard from them. Now Im wondering how do i remove errors froom my report as they are refusing to process my disputes? 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX has a loan out on my credit that has been a closed acc 

Company response: Company chooses not to provide a public response
Consumer complaint: i have a loan from XXXX showing its false 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid an escrow amount of XXXX in XXXX 2015. Since then I have been fighting with Freedom Mortgage every month regarding my payments because they did n't apply my escrow payment, then they started withdrawing higher amounts to cover the additional escrow fundings. Then in called in XXXX stating all these issues, they said oops their fault they will fix everything, they put the blame on XXXX, I said you are the same company with XXXX different names so the blame stays with you. I need my issues fixed, this is my XXXX mortgage, I never had any issues with my XXXX home loan. I received a statement dated XXXX/XXXX/2015 and it says I missed a payment of XXXX ( my payment is XXXX ) I have unapplied funds of XXXX and now they want me to pay XXXX. I called and spoke with XXXX XXXX, she said it was a mistake it 's all fixed now. I explained Freedom Mortgage has been saying this since XXXX and it 's not not fixed, I am filing a compliant. This company needs to be looked into at the highest level, and same with XXXX, because between the both of these companies something is not right, and the consumers are paying for it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I closed this account when the balance was XXXX in 2008.This bank continues to add interest and keeps the account open. 

Company response: Company chooses not to provide a public response
Consumer complaint: I got a notice from fcc collections It was an amount that was Outrageous, I first called my lawyer XXXX XXXX & XXXX XXXX they wrote a tetter that I am attaching. They then called the collection agency to ask for an accounting to date they have not sent it. I called both transunion and XXXX numerous times to complian. The last response was from Transunion was that the credit agancy said nothing was wrong with the account and they do not have an accounting available. Nothing is being done but atleast Transunion requested it. I am requesting it for a few reasons by law first consumer law 611 5 a says that the credit agancy has 30 days to reply with information oin the inquiry, Second by law the rental company who is claiming I own the money is not abiding by the rental laws, I have requested the acconting to prove that I owe the money, My lawyer asked for it the County asked for it. The collection agancy has still not come up with it. It has been 180 days and counting far past the 30 days that is required to come up with proof of the debt according to the law. Again accouding to the collection agancy " we do not have one available '', If I have submitted XXXX complaints the credit agancy has not done so yet. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been overdrawn in my checking account, due to company errors, for making a withdrawl against my authorization. I have been working with the branch manager to correct the problems, however, the collections department continues to harass me, and call me XXXX times per day, and hand up. I have advised that I am working with the bank to resolve the issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: Southwest Credit Systems has refused to remove this entry from my credit report after verbally promising to do so during a correspondence call after the debt was paid. 

Southwest Credit Systems has not provided proof XXXX written documentation ) of assigned ownership of account XXXX validation ) and continues to report a paid debtAgency has not provided appropriate documentation to show how and where the fees came from as it relates to the original debt indicated on my credit report in an itemized statement. 

No itemized information about proof of last activity date was provide to me. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I had a credit card account with my credit union ( XXXX County XXXX XXXX ) opened in XXXX which they transferred to another lender as of XX/XX/XXXX ( XXXX XXXX - XXXX ) .XXXX XXXX XXXX XXXX is misreporting the date account was opened, date account was closed, payment history and date of original delinquency. Based on original date of delinquency this should be out of the statute of limitations for reporting in my state at the end of XX/XX/XXXX. I have disputed with all XXXX bureaus and repeatedly disputed directly with XXXX XXXX - XXXX XXXX. I provided copies of several months of statements to support my position, copies of correspondence, and copies of FTC opinion letters to get them to correct the entries on Transunion, XXXX, and XXXX. I have received multiple responses claiming my request was frivolous or in error and that they will not correct this matter. I am including the statements, correspondence, and other supporting documentation showing original delinquency XXXX from the original creditor ( statements ). 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a XXXX person who has XXXX XXXX and unable to work. While waiting for XXXX XXXX to finish their case, I applied for a loan for {$1000.00}. My received {$540.00} from them and the letter I received stated I was severely past due.I spoke to their rep, told him once I receive my money I will pay them. I was a XXXX for XXXX years and is certified by the XXXX XXXX XXXX. I sent a certified letter to cease and desist today XXXX XXXX, I was informed payday loans are illegal in the XXXX XXXX Virginia. Please quote me if I am wrong. The bill I received is {$1200.00} and did not receive half of that at all! I am quite upsetwith the system allowing these foreign scammers to continue to do this. Please help, I am in chronic pain daily. no income nothing. I looked at their web site and read all the scam they have done to people that are desparate. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I am using Bank of America online bill-pay to send bank-issued checks to payees. When setting up a payment I can choose the " deliver by '' date. In the past the checks would always reach the payee by the " deliver by '' date ( or sometimes even earlier ). However for the past year ( or so ) the checks NEVER arrive by the " deliver by '' date but they reach the payee 1-2 business days after that date. I contacted BofA customer service on XXXX different occasions and they claimed that " everything is normal '' from their end and that the checks may be " delayed by the post office ''. Unfortunately the envelopes are not postmarked so there is no way to know when the checks are actually mailed. However ( 1 ) the BofA checks are always & consistently late by 1-2 business days ( 2 ) the checks are similarly delayed for XXXX-XXXX different payees I am in contact with and ( 3 ) all other mail seems to arrive within 1 or 2 business days from the postmark date. All these point to the conclusion that the delay is with the bank and not with the post office. It also seems that the bank misrepresents the free bill-pay service providing a " deliver by '' date that is never met, presumably as an indirect way to promote other paid-for alternatives. 

Company response: Company chooses not to provide a public response
Consumer complaint: PInnacle contacted in me in XXXX 2014 in regards to maintence fees with XXXX XXXX. I have been in dispute with XXXX since XXXX 2014. I sent Pinnacle a cease and desist notification to alert them they are pursuing a disputed account. I received another notice by Pinnacle in XXXX and responded in XXXX. I have always responded within the 30 day timeframe that was specified. Now we are in XXXX and I have yet another notice of collection for the same disputed account! XXXX is ignoring my dispute and PInnacle is ignoring my cease of communications! 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I took out a car loan, through Bank of America in the amount of nearly {$30000.00} around XXXX XXXX. The car was repossesed by Bank of America in XX/XX/XXXX, with a balance of about {$18000.00} remaining on the loan. Bank of America auctioned off the vehicle for about {$20000.00}. Now, XX/XX/XXXX, their so called collections department claims that I owe them {$10000.00}. Go figure that. To add insult to injury, XXXX of the crooked collectors, went into my account on XXXX XXXX, XXXX, with no authorization on my part and took ( stole ), my entire pay of about {$2000.00}, for a car loan that should have off set to XXXX balance, when the vehicle was auctioned off in XX/XX/XXXX. This is an unscrupulous collection practice to say the least. When I tried to dispute the action, I get reminded of some disclosure, that most people with XXXX vision probably need a magnifying glass to read. In the meantime, I am out of {$2000.00} for the month that a conniving, thieving agent of Bank of America stole from my account on XXXX XXXX, XXXX without any authorization, nor consent on my part. Unbelievable! 

Company response: Company chooses not to provide a public response
Consumer complaint: For the last few weeks I have been receiving calls from the Focus Receivables regarding 'a debt '. None of the calls ( always an automated recording ) provide any details. I 'm not aware of any debts. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: SOLD REAL ESTATE PROPERTY IN 2010. I WAS LATE XXXX PAYMENTS. XXXX. US BANK TOOK 6 MONTHS TO GIVE MY PAYOFF FIGURE ALL THAT TIME CHARGING INTEREST AND PENALTIES. THEY NOW REPORT THE HOUSE WAS FORECLOSED ON ... I NEVER RECEIVED ANY PAPER WORK OR NOTICES ON THIS THE HOUSE WAS NOT FORECLOSED AND I LOST SEVERAL THOUSAND DOLLARS BECAUSE OF THIS. I CALLED THEM DOZENS OF TIME DURING THE SALE AND WAS IGNORED EACH TIME. ALL CREDIT REPORTS SHOW THIS AND I CONSIDER THIS FRAUDULENT BY THE BANK. THEY ALWAYS SHUFFLED ME AROUND AND STILL NO ANSWERS EVEN TO THIS DAY ALL I GET IS THAT THEY WILL LOOK INTO THIS AND I HAVE ASKED FOR ALL THE PAPERWORK INVOLVED,,, STILL IGNORED 

Company response: Company chooses not to provide a public response
Consumer complaint: recd text from XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to the best school i could get into, which was admittedly not cheap. While applying for student aid, I was redirected from the XXXX website to SallieMae. I took out almost {$79000.00} in loans, thinking that they were federal and thus eligible for income-based repayment. I was misled by SallieMae, who told me that I would have these options, even though they are not available for my loan type. I 'm now at a point where just over half of my monthly take-home pay is going to student loans, even though I was lucky and was able to get a good job that pays decently well. I 've been told multiple times that I have no other option to lower my payments through SallieMae, and am at risk of default because I ca n't lower my payment. If any unexpected expense pops up in my life, I will have no choice but to default. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: FST NAT COLL XXXX XXXX XX/XX/XXXX Open $ XXXX never signed contract and reported fraud. Open since XX/XX/XXXXFIRST NATIONAL COLLECTIOXXXX XXXX XXXX, XXXX ( XXXX ) XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Chex Systems , Inc., is giving financial institutions secret reports and informing financial institutions not to open up a checking account for me due to me having previously reported fraudulent checking accounts from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX listed on my consumer report and upon sending a police report and proper documentation, the fraudulent checking accounts was removed from my Chex System Consumer Report. But Chex Systems is secretly informing banks and financial institutions not to open up a checking account for me due to the previously fraudulent checking accounts listed on my consumer report, even though Chex Systems sent me a copy of my consumer report with no negative information reported on my consumer report and informed me, I should n't have a problem opening up a checking account. A few days ago, I went to XXXX XXXX and XXXX XXXX XXXX and was informed by representatives from both banks, that they could n't open up a checking account for me because because the inquiry they got from Chex Systems, informed them not to open up a checking account for me due to previously fraudulent checking accounts listed on and removed from my consumer report. Furthermore, Chex Systems is reporting my physical and mailing addresses as errors and non-existent. 

Company response: Company chooses not to provide a public response
Consumer complaint: Closing was set for XXXX/XXXX/2015. On XXXX/XXXX/2015, BOA 's home loan fulfillment rep unprofessionally and demandingly requested an additional, lengthy and extensive HOA report from the property mgmt co which we, the buyer, unknowingly had to pay {$280.00} for-after the initial HOA deadline had passed and all Colorado required HOA info was already turned in for closing. BOA employee was the one who forgot to request it so it was suddenly an emergency on the property mgmt 's part. On XXXX, BOA asked for more info from the HOA, which was provided. On XX/XX/XXXX, they asked for more info from the HOA, which was provided. On XX/XX/XXXX, they again asked for MORE info, which was provided on XX/XX/XXXX. ( I was told by the VP of the dept that handles HOA condo/co-op docs that they ca n't just review them on the drop of a dime when they are the same ones that requested them the same week of closing. ) Closing date came and went with NO ATTEMPT FROM BOA TO CONTACT THE SELLER TO TELL HIM HE COULD NOT CLOSE BECAUSE BOA DID N'T REQUEST THEIR OWN INFO ON TIME. I am now outside of the Amend to Extend deadline bc the BOA employees who request this info do n't look at it, return calls, etc. I am at risk of losing this deal BOA did n't DO THEIR JOBS. In fact, just today, I was asked for a HVAC repair receipt when that was completed and documented weeks ago. ( Why am I being asked for repair bills anyway when inspections are voluntary? And why am I being asked AFTER I should be closed??? ) EVERYTHING has been done from the HOA, buyer and seller 's perspectives to meet deadline, including the closing dates, and no one at BOA is doing their part. NO ONE returns calls, NO ONE tells us the status, we ca n't even sign an Amend to Extend because we do n't even have a date to offer bc no one seems to care if/when we get final settlement # s ... including up to and past the day of closing. 

Company response: Company chooses not to provide a public response
Consumer complaint: I took a Balance Transfer in the amount of {$15000.00} on XXXX/XXXX/2015 on my Barclay UPROMISE by Sallie Mae Mastercard. The starting balance before the transfer was {$0.00}. 
The minimum payment each month was between $ XXXX {$150.00}. In the following month ( XXXX/XXXX/2015 ), I made a merchandise payment of XXXX It is my understanding that under the " CARD ACT '' any payments that I make should first get applied to my highest APR component of balance. Unfortunately, it does n't seem like Barclay is complying with this rule and is continuing to charge me interest on that XXXX I made the following XXXX payments after the merchandise purchase XX/XX/XXXX:XX/XX/2015 $ XXXXXX/XX/2015 $ XXXXXX/XX/2015 $ XXXXAnyone of these payments should have covered the XXXX merchandise with a non-zero APR. But Barclay continues to charge me interest on that XXXX purchase. 
I have spoken to XXXX different agents including a supervisor, and I got XXXX different answers. The supervisor stated that they have the right to allocate the minimum payment any which way they want. Only payments above the minimum payment will be allocated to the highest interest rate first. Under this theory, if I had made a payment of $ XXXX $ XXXX {$230.00} then there would have been no finance charges. But their statement has a paragraph that says I had to pay over {$380.00} to avoid interest!!! That 's deceitful! 
Their statement is confusing and makes no sense. It should have told me the right dollar amount to pay in order to avoid interest. I could have paid the $ XXXXI just want to know what is the correct $ $ to pay to avoid interest and no one seems to know at Barcalys!!! 

Company response: Company chooses not to provide a public response