AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My husband accrued medical debt after we separated. I have a court filed document in which he stated that our date of separation was prior to his accruing the medical debt. The debt went into collection and the collection company is reporting that it is a joint debt because we were married. The debt was included in the divorce decree as his alone but the collection company is refusing to remove me as a joint owner of the debt. I have disputed it with XXXX and XXXX and they informed me that it is a joint debt. We were not together at time of debt and in his court response to the Petition for Divorce he stated we were separated prior to date he sought out medical treatment. His court response is proof that we were not together at the time the debt was accrued. We were not living in the same state. Therefore the debt is not joint. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I went into the lobby of the Bank of America in XXXX to complete some banking activities, including a cash withdrawal of {$5000.00}. I swiped my debit card for the specific account from which I wanted the withdrawal to be taken, but the reduction was, in fact, taken from a different account. As a result of this error, XXXX payments to creditors were returned with insufficient funds. 

Company response: Company chooses not to provide a public response
Consumer complaint: Procollect Collection agency reported a debt of {$870.00} by error to my credit report, I find out of that debt when I was trying to get a Home Loan and I was told that I needed to pay that first. Credit report was showing that balance was from Original creditor XXXX XXXX, I contacted that storage place and talked to a Supervisor, I faxed over my information over to them. They advised me that they did not reported anything under my SSN to credit report, and that the error is from the collection agency. 
I contacted Procollect on XXXX/XXXX/XXXX and talk to XXXX XXXX I told him that there was an error that account # XXXX with a debt of {$870.00} from original creditor Assured Self Storage was not mine. He advised me Fax my DL, SSN and a Police report. I faxed over My information and also contacted them back to make sure it was received. I was told account was going to under investigation. On XXXX/XXXX/XXXX I received a letter from Procollect stating that was a true debt and also they mailed me a contract of for a storage unit under the name of XXXX XXXX XXXX Last XXXX of SSN # XXXX, date of birth XXXX/XXXX/XXXX From XXXX. 
I contacted them back to dispute again because on the contract clearly stated that me and the person who signed the contract are XXXX different person because my name is XXXX XXXX XXXX last of my SSN XXXX, my date of birth XXXX/XXXX/XXXX I 'm not from XXXX. I told them this tells me that you did n't even took the time to review my case and resolved BIG MISTAKE ypu have made. I talked to Supervisors and they keep telling me that is my debt and that I need to pay. I called them so many times to fix issue and they are not listening. I think is unfair to charge me for some XXXX else debt and this company should not be running a business, because they charging to the wrong person, also this their employees are very rude that makes your life so difficulty. You can not imagine how much time and tears I have waste because of this company, I even had to go to the doctor and asked for medication because I was so stressed out about this issue and my XXXX XXXX, and the worse thing is not is not even my debt. I contacted local police dept. for help. Detective XXXX assisted me contacting them, they told her that it was going to be taking care, the next day this collection agency call me back again asking to pay that bill. After I faxed and email my proof they did nothing to fix the problem I called the XXXX and file a claim with them they told as well that it was going to take care. I contacted Procollect to ask for a letter stating that issue has been taking care and that balance has been removed from credit report, I 'm asking for the letter because I do n't trust them and I 'm scare that this is going to happen again. When I called they keep telling that they will give me a call back, but they are not returning my call back. Please help me with this issue and please do something about this abusive company. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am currently unemployed since XXXX 2015, position was eliminated and have been aggressively seeking employment. I was able to stay afloat with income tax returns but now I am falling behind now 2 months mortgage payments and car notes along with monthly utility bills. Single parent of XXXX sons and I believe I 'll be getting a job real soon. I just need a little help to pay what I 've fallen behind on and I can get back on track. Thought moving from the city to the suburbs to give my children a safer place to live and better opportunity to succeed in this world without dealing with bullying and senseless crime. But I need a little help. So please if at all possible I need financial help until I get back on my feet financially. 

Company response: Company chooses not to provide a public response
Consumer complaint: PennyMac purchased my mortgage from my original lender a few months after I purchased my home in late 2013. Since then I have experienced numerous issues with Pennymacs loan XXXX They overestimated in XXXX year and underestimated in the next year the amount of money I would need in escrow to cover my mortgage and property taxes. This put a significant strain on my finances when I realized that my new monthly mortgage payment would be nearly {$400.00} more per month than it had been at the origination of my loan and XXXX later my payment due skyrocketed from {$1400.00} a month to {$1700.00} a month. I was made aware of this a month before the new payment was due which is not a significant amount of time for any household especially a single income household. This put a significant strain on my finances. In addition I 've noticed in the last XXXX months that even though I mail my payments in a week to two before they are due, because of PennyMacs extremely slow payment processing times they always process my payment after the due date and punish me by charging me a late fee when it is not my fault. Even when I mail in the payment for the monthly payment and late fee the next month it will show that the late fee was never paid. When clearly the checks I 've been mailing are for significantly more than the minimum payment due. And I specify on most of the checks that the late fee is included. These predatory lending practices are unfair and I could see them leading to loan default for most consumers if an adequate financial cushion is n't maintained on a monthly basis to cover for Pennymacs deceptive loan practices. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I am attempting to avoid a foreclosure sale. I have applied for mortgage assistance. I have received no written decision. If I was declined, I was not provided my 30 day right to appeal. If I was approved, I have not received my written approval. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The debt collector used a third party to verify my employment. This third party had my social security number? My boss thinks I 'm trying to get a new job as she said loans & jobs are the only legal reason for job verification. Is that true? The third party said they did n't know why the company wanted to verify my employment only that they were asked for the information. Are companies allowed to share my social, address, etc with other companies? Why would n't said company just call themselves? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I took out a private student loan from Wells Fargo Bank with my mom as a co-signer. This loan is to fund a XXXX program at XXXX XXXX University in XXXX, CA. The loan is now in default, but I made an agreement to still pay monthly payments of $ XXXX/month. However, I stopped the automatic payments for a few months, but then made another agreement to lower the payments to $ XXXX/mth. Apparently, I forgot to cancel the stop payment order with my bank and then Wells Fargo was not able to obtain the automatic payments from my bank. A few months later, Wells Fargo Bank took out {$1100.00} from my Mom 's bank, who is the co-signer of the loan without her or my consent or permission to do so. They simply just took out the {$1100.00} from my mom 's bank because she is the co-signer and we are not able to get that money back even after many talks with them. Is there a way to get the money back they they took out? 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received MANY phone calls by unknown numbers, often at early hours of the day. ( XXXX may be reasonable to lawmakers, but is ridiculous to me ). These come to both my home and cell numbers. Sometimes these calls can come XXXX times within a XXXX minute time-span. This is ridiculous and unacceptable, hence this complaint. Because I do not know the number, I have no reason to pick up. They should leave a voicemail message, identifying themselves and who they are calling for. This information is never provided. I answered XXXX of these calls from yet another unknown number ( this time at least a company name showed up on caller ID : XXXX XXXX ). The caller let me know this number was listed as an alternate number for my brother. Ok. That 's fine. I can take/deliver a message. Then the caller continued to say that they have been trying to reach him for a long time. I told the caller this is the XXXX message I have received. If a message is not left, this is the XXXX attempt to contact my brother at this number. Then I found out that this company is the one that has been calling and hanging up, with no voice mail message, which has been disruptive and harassing to me. This is NOT ok. 
The caller 's response was that they are not permitted to leave a message on voice mail, by law. 
1 ) if this is true, then the FTC needs to revise the law. I am sure this harassment is happening to other consumers, not just me. I am a law abiding consumer with great credit. I am willing to be the alternate contact for my brother and work with him to help find resolution, if that is what 's needed. However, the harassing phone calls are inexcusable!!! The credit collection company must be able to leave some kind of message. 
2 ) if this is not true and the company is allowed to leave a voice mail message, but instead instructs their employees to frequently dial numbers and hang up until someone picks up, then my complaint is against Central Credit Services. This practice is NOT ok. There must be some way to respect the people at the other end of the phone line ( including responsible consumers like me ) with basic information that does not give out confidential information. Perhaps a message stating " my name is XXXX from XXXX company. I am trying to reach so and so regarding a personal matter. Please call XXXX stating reference number XXXX. " There must be a way to protect responsible consumers, while still allowing the credit collection companies to function. 

Company response: Company chooses not to provide a public response
Consumer complaint: Third party debt collector, calling for XXXX XXXX which is also another debt collector that purchased an old debt that the statute of limitiation has expired. I called them and told them to stop calling. The individual was very rude and argued with me that the debt was still good. Also stated that they would continue to contact and call me. The debt that XXXX purchased has been added as a derogatory debt on my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Card was placed on " Fraud Early Detection Hold '' and I was not notified by the company for 36 hours. During this time I was unable to use my credit card. I feel they violated the terms of service by withholding access to my account without proper notification. 

Company response: Company chooses not to provide a public response
Consumer complaint: dispute is about Sears credit card who is owned by Citibank. Sears credit card # XXXX. Sears claims that I have not paid my bills for XXXX, XXXX, XXXX of 2015 of which carries a late fee and a processing fee for each month. I was XXXX informed of non-payment when I received harassing phone calls from sears/Citibank 's collection department. I received these calls starting XXXX XXXX, 2015. But, since XXXX 2015, I have not received any bills from them either by email or regular mail. I am more than willing to pay but I want the late fees removed because I never received their bills. They accused me of changing my email. I have the same email for over 15 years. They accused the postal service for non-delivery of mail. I 've been living at the same address for over 40 years. They informed me that the only way a late fee can be removed is by a manager 's OK. I asked them for a manager to call me to resolve the matter. The only person I was able to contact who is not a manager but who did absolutely nothing is XXXX XXXX at the Citibank 's Response Unit. No manager has ever called. To add insult to injury, I have a Citibank credit card ( unrelated to sears ) and I get email notifications and regular mail with no problem. I 'm just frustrated trying to resolve this. 

Company response: Company chooses not to provide a public response
Consumer complaint: Some credit agencies have my address as a XXXX address. That is not my address that is my fathers address. Mine is XXXX XXXX not XXXX. I 've attached proof of identity and address. My drivers license 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX XXXX I noticed a derogatory mark on my credit report made by Credit Collection Services in XXXX, MA. After investigating the company and the charge, I found out an old XXXX account that was paid off in XXXX was sent to Credit Collection Services. When I called CCS to inquire, the rep informed me that XXXX sent the debt to them to collect in XXXX XXXX ; however, I paid this account off in XXXX. I originally made arrangements with XXXX ( who was initially assigned to the account by XXXX XXXX to pay off the account in XXXX payments. The XXXX payment was withdrawn from my account by XXXX on XXXX/XXXX/XXXX in the amount of {$120.00}. The XXXX payment did not come out on the agreed date so I called XXXX to find out when the final payment would be withdrawn and applied to the account. I was told that XXXX was going out of business and to contact XXXX directly to finish making the payments. The XXXX payment was withdrawn by XXXX on XXXX/XXXX/XXXX in the amount of {$130.00}. I contacted XXXX in XXXX XXXX explaining this point. I was told they needed confirmation from XXXX. I reached out to XXXX XXXX in XXXX XXXX and followed up after in XXXX XXXX after I did not get a response with 30 days and no change on my credit report after 60 days. I provided XXXX with my bank statements indicating the payments were withdrawn prior to their Accounting Department sending my information to CCS collection agency. XXXX Accounting Department will only accept correspondence via email or fax. I have tried XXXX mediums of communication to no avail. My point of contact was XXXX XXXX. Her email address is XXXXXXXXXXXX. The fax number is XXXX. I can provide copies indicating the dates of contact as well as the dates payments were withdrawn. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: My ex left me, she is on the mortgage, she had a restraining order on me for 30 days until court where her complaint XXXX was dismissed. During this time she lived in the house and did n't keep the payments up. So when I was able to get back in the house I begin to make the payments again. I was one month behind at this point. During the past couple months I had been talking to the mortgage company, Freedom Mortgage, and making payments we discussed a repayment plan that initially sounded like a good deal then after further consideration it was determined at the time that this was not going to work. They are saying that I broke an arrangement and now they need two full payments or they will not even talk to me. They changed the terms of the loan which has now put me 3 months past due including the current month and they are refusing to accept any payment from me which has put me in an even worse position because I am doing everything in my power to get it caught up. 

Company response: Company chooses not to provide a public response
Consumer complaint: Southwest Credit has been reporting a debt originally owed to XXXX that I do n't owe. I have tried disputing this several times directly with them, and the credit bureaus aswell. my last attempt was on XXXX XXXX, 2015. I honestly do n't think they are even reading the supporting documents or my letter. I received a response from them on XXXX XXXX, 2015 that '' once again they have updated my account accordingly '' Southwest Credit or comcast have yet to prove that this debt is owed to XXXX. I have clearly outlined in my supporting documents that I do n't owe this debt! Ive requested supporting documents from both XXXX and southwest validating what they claim I owe, and they have yet been able to do so. I 'm hoping you can help me put this debt to rest. Thanks in Advance for your help! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was told over the phone and I received a letter from Exxon Mobil stating that my credit card did not charge annual fees. At that time my card had a XXXX balance. XXXX month later I was charged an annual fee of {$29.00}. I did not pay pending a reversal of that fee. I was refunded {$24.00} leaving me with a balance of {$4.00} and subsequently charged a {$2.00} fee for non payment of the {$4.00} and charged another {$2.00} fee on the following month. All due to an annual fee I was told I would not incurr. They refused to refund the late fees and I was forced to close the account so as not to incurr in further fees, or forced to pay the illegal fee charge. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX. I am told that PennyMac is obligated to return all monies in my escrow account within 21 days. I called PMac last week and was told the check was sent on the XXXX or XXXX of XXXX. I called PMac today and advised them they were in violation of the law as it is now 30+ days since closing. I was put on hold for about XXXX minutes after telling the rep I wanted the check Sent by XXXX. I was then transferred to a voice mail where I repeated the problem and again requested the check which is for about {$400.00}. Your aid is requested and it feels good to have a place to go to when people with wobbly business practices display their contempt for us. Thanks!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Called National Recovery Agency about a debt collection they reported to credit bureaus. I asked to have any info sent to me verifying that this was in fact a debt of mine, because I had no knowledge of the debt. NRA said ok, after trying to get me to pay the debt over the phone stating they would send proof after I paid. I refused to pay without proof. They told me I would get proof by mail 5-10 business days. Well its been close to a month and I still have not got anything from them, yet they still report the collection on my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2015 I made a payment over the phone with BOA, for XXXX month, they waived my XXXX processing fee. On XXXX XXXX, 2015, they took out XXXX XXXX payments from my checking account, leaving me with only XXXX. On the response I received on XXXX/XXXX/15, they stated that because my account was past due XXXX payments they took out more then my payment that I authorized. I want to see their policy where it states, that because I was past due they have the right to deduct XXXX XXXX payments from my checking account with out my authorization. If they can not provide that information they need to compensate my account for a mortgage payment, If not I will be contacting an Attorney. This is my XXXX complaint,. I also requested a call back regarding this issue, I got a call back XXXX weeks later. Keep in mind, that BOA only left me with XXXX in my checking for my family to feed and at that time it was snowing and cold, I had to borrow money to pay my electricity bill to stay warm. So its up to them, do they want to pay me out for a law suit or compensate me for something they are not allow to do with out my authorization. This will be my last complaint I submit, next time it will come from my attorney, I also received a Breach letter, which was incorrect, due to my payment had been made in XXXX/XXXX/15, leaving me with XXXX payment due on he account not XXXX when they reversed that large amount due to I placed a stop on the transaction because I knew it was going to take them weeks before I got my money back, due to debiting more then the regular monthly payment. Now I have to drive to the branch and make my payments because I do n't trust them on making a payment over the phone. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was advised by XXXX employees ( XXXX males ) that I would havea due date change after making my payments, which did not workwith my pay cycles. I made the payments and when I inquiredabout the due date change there was a delay in their response tome so it caused me to be late again. When I asked about whatwas promised and said to me on the phone they had nodocumentation and calls are not recorded. I feel like I had beendiscriminated against, being a single woman. In 2012 I was eventold that I should have planned better when I went out on XXXX. When I called to make arrangments after being in thehospital I spoke with XXXX. I said I refuse to speak to anothermale at this company I felt discriminated against and wanted afemale. He said I had to deal with him, I requested a femalemanager or female account rep. He replied there are no femalemanagers and that he is now reviewing my account. I explainedthat I am going to report this to because that is hard to believe. 
He asked what XXXX issues I was having and I again explainedI refuse to speak to him and wanted a female. They requesteddocuments of my XXXX issues or something showing that I wasin the hospital. I thought this was only required when you are filingfor XXXX insurance to make your payments. I will supply copiesof XXXX bills, but feel like it release my XXXX information whichthey do not need. 

Company response: Company believes it acted appropriately as authorized by contract or law