AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Nationwide Recovery Systems is in violation of the Fair Credit Reporting Act. A XXXX XXXX investigation from XXXX 2015 found the accounts ( # XXXX and # XXXX ) were unverifiable/inaccurate and was deleted from my XXXX XXXX credit report. Nationwide Recovery Systems did not report the deletion of the XXXX accounts to XXXX, the other consumer reporting agency that it reported the accounts to. Proof of the XXXX XXXX investigation results are attached. This complaint will be used as evidence in legal proceedings. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a case of identity theft listed on my credit report from XXXX totaling {$350.00}. I disputed this information and it was once removed from my credit report and now the reporting agency has added the charge back onto my report causing my credit score to drop drastically. I did speak with someone at the company and they gave me the address to where the services were set up using my identity and I am familiar with the person that lives at the address. I explained this to the credit reporting agency and they advised that they may be able to help me. I think it is unfair for them to a resubmit the collections after it was removed once before by the credit bureau.. Especially since it is not my debt in the first place. 


Thank you, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Sunday night the XXXX of XXXX when the process server asked for me at my apt., upon my flatmate XXXX XXXX refusal of acceptance the process server said " XXXX is being sued by XXXX XXXX XXXX '' and the process server dropped the stapled summons ( no envelope ) face up flat on the doormat. 

AGAIN : Improper contact and sharing of info. My flatmate was advised of the content by the process server and had opportunity to read it. XXXX now is concerned I can not pay the rent and is planning to move out into a more stable living arrangement depriving me of needed income. This is a tort of economic interference. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have dispute the information with the XXXX credit bureaus to no avail, and they will not remove this item from my report. I have submitted a letter from the acutal creditor stating the account is closed and they will remove it. The credit bureaus will not update my reports to remove this account. 

Company response: Company chooses not to provide a public response
Consumer complaint: Signature load from back in XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX got behind XX/XX/XXXX / XX/XX/XXXX attempted to work out arrangement w/ XXXX - would not work with me in any form while continuing to add penalties/ Fees and Interest on top of the accountXXXX XXXX stopped communicating w/ me for several months then I was contacted by Debt Collection Firm out of XXXX, XXXX ( XXXX & XXXX ) for payment arrangements - which I did as required made payments to them for this account and did so for three years - requested a balance on the account was told that it was paid - but no written documentation was ever sent as requested - collection reps would not give me their name whenever I called back to inquire. 
In XXXX XXXX a Law firm out XXXX through their regional office in XXXX started sending me collection notices on the same account in an amount of approx. half of the original starting point with XXXX -- responded to them XX/XX/XXXX that this was incorrect and the account was paid in full as directed. Started receiving the same notices again this year this spring - they filed suit again me XX/XX/XXXX and the paperwork was served to my husband on XX/XX/XXXXXXXX has posted this account situation with the credit reporting firms on my husbands record as a " joint '' account for the past XXXX years -- he has made several attempts to get XXXX to either validate this information or remove it - their reply is always " correct as reported " Need some help believe I have been a victim or predatory lending/ and collection practices and my husband credit damaged for a very long time in violation of the Fair Credit Reporting ActPlease advise 

Company response: Company chooses not to provide a public response
Consumer complaint: The Debt collector Caine and Weiner contacted an emergency contact to get in contact with me. I do not feel that this was professional. The original debtor should have gave them all of the pertinent information to try and solve this issue. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Signature load from back in XXXX -- Bank of America/ FIA Card Services XXXX got behind in XXXX / XXXX attempted to work out arrangement w/ BofA - would not work with me in any form while continuing to add penalties/ Fees and Interest on top of the accountBof A stopped communicating w/ me for several months then I was contacted by Debt Collection Firm out of XXXX ( XXXX & XXXX XXXX for payment arrangements - which I did as required made payments to them for this account and did so for three years - requested a balance on the account was told that it was paid - but no written documentation was ever sent as requested - collection reps would not give me their name whenever I called back to inquire. 
In XXXX XXXX a Law firm out XXXX through their regional office in XXXX started sending me collection notices on the same account in an amount of approx. half of the original starting point with Bof A -- responded to them in the samemonth of XXXX that this was incorrect and the account was paid in full as directed. Started receiving the same notices again this year XXXX - they filed suit again me in XX/XX/XXXX and the paperwork was served to my husband on XX/XX/XXXXBof A has posted this account situation with the credit reporting firms on my husbands record as a " joint '' account for the past 5 1/2 years -- he has made several attempts to get Bof A to either validate this information or remove it - their reply is always " correct as reported " Need some help believe I have been a victim or predatory lending/ and collection practices and my husband credit damaged for a very long time in violation of the Fair Credit Reporting ActPlease advise 

Company response: Company chooses not to provide a public response
Consumer complaint: We are conscientious consumers who appreciate this process for clarifying and hopefully correcting errors found on our credit report. We recently went to have our credit reviewed, and we were pleased to learn that most things were handled correctly with a few exceptions. XXXX such exception, to our surprise, was Green Tree Servicing. Our original loan was established in XX/XX/XXXX, with XXXX XXXX XXXX. 
As described in other complaints against other mortgage companies, we lost employment due to layoff. We continued making payments on all accounts until XX/XX/XXXX, at which time we notified all lenders that we were unable to continue payments. At the time, our FICO score was XXXX ( see attached ) ; we hoped that we had proven ourselves as good customers and could work with lenders in good faith. Unfortunately, lenders advised us to let our accounts go " 3-months delinquent '', then they could help. The only thing that accomplished was to have our FICO score continue to go down. We contacted XXXX ( Federal National Mortgage Association ) and was assigned an analyst. We submitted all paperwork requested including an income and expense form, a list of all lenders and authorization to pull our last two-years of tax filings. After reviewing our submissions, the analyst concluded that we were eligible for " Deed in Lieu '' of Foreclosure for the mortgages. Green Tree was notified, and we went forward completing and having certified all of the documents they sent us, and we returned the documents along with the keys to the property. 
According to information on our credit report, the " Deed in Lieu '' final document was recorded XX/XX/XXXX. A copy of the form has been attached. However, Green Tree did not complete the paperwork that would show the XXXX balance on our credit report ( attached ). They appear under " Derogatory Tradelines '' as reported " XXXX '', and the account shows as a " Closed/Foreclosure ... '' Contrary to the zero balance shown under Property History, this form shows a balance of " {$92000.00} ''. 
For clarification, my husband is the veteran. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I have disputed this account to all XXXX credit bureaus to no avail. I have submitted documentation to the credit bureaus from the creditor stating the account is closed and to remove it. The credit bureaus will not update my reports 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian and XXXX continue to not comply I do not know what else to do, the lien was withdrawn XXXX removed it and evidence was submitted to all three. Please help 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015 I received a letter from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. The letter claimed that I owed XXXX on a storage unit. I have never obtained a storage unit from this company. I called their number XXXX three times during business hours. No one answered. I left XXXX separate messages. I never received a response. On XXXX/XXXX/2015 I received a letter from a collection agency Allied Interstate. I am now in the process of disputing this charge with the collection agency. I am completely without fault. Yet, I now have to spend my time disputing these charges because XXXX XXXX has failed to do their job. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am writing to dispute charges on XXXX XXXX XXXX XXXX XXXX XXXX bills originating on XX/XX/XXXX-XX/XX/XXXX for the amount of {$68.00}, in addition to a XXXX bill on XX/XX/2014-XX/XX/2014 for {$120.00}. The total amount allegedly owed is {$190.00}. 
I am disputing the charges because I have maintained this wireless account with XXXX XXXX XXXX for over 15 years and have always paid my bill promptly. Unfortunately, my cell phone service had continuously deteriorated month after month for the past 2 years, which has resulted in strained personal relationships and loss of revenue for my business. I have given XXXX ample time to resolve the matter and have even received numerous discounts on my bills in conjunction with the poor service issues that have continuously gone unresolved. They include verified incidences where there was no receipt of missed calls/texts ; frequently dropped calls ; and a nagging XXXX bar of service that followed me wherever I went. Unfortunately, due to XXXX XXXX XXXX 's inability to fix the matter I was eventually forced to port my number to another carrier on XX/XX/2014. 

In conjunction with cancelling my service with XXXX XXXX XXXX I am being forced to pay full price for a final month of deteriorated cell phone service ( {$68.00} ) I received no benefit for, followed by account termination fees which were a result of the company 's own poor service ( {$110.00} ). My 2 year contract was expired, and I was using an outdated iPhone 4. I had refused on numerous occasions to sign a new contract for an upgraded phone as the problem lay with XXXX XXXX XXXX 's network, not my device. After XXXX XXXX XXXX refused to negotiate the matter with me to my satisfaction the debt went to XXXX XXXX XXXX and now onto Receivables Performance Management. XXXX XXXX XXXX has no legitimate basis for these charges and I should not be forced to pay full price + termination charges for a service of inferior quality. 

The account was opened when I was a minor with the help of my mother, although I have always been responsible for the bill. I am the primary on the account and have repeatedly reminded XXXX XXXX XXXX of this arrangement. My mother and I receive harassing calls from collectors and XXXX XXXX XXXX regarding the matter. They frequently call throughout the day, can not provide information on the debt supposedly owed when prompted, and often call and hang up. It is unfair that these collections letter be only addressed to my mother and that her credit score be tarnished. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was charged a late fee on my account even though I have automatic payments on, and to pay when statement is received, and a payment is on the statement with the late fee. 
The charge has been reversed, but I would suspect that this would happen to many consumers at the company. 

Company response: Company chooses not to provide a public response
Consumer complaint: The is at the least the XXXX complaint that I 'm filing against Smith Debnam Narron Drake Saintsing & Myers, LLP and XXXX within the last several months. I have been harassed and threaten for almost a year now with emails, phone calls, letters, and now a legal Judgement. XXXX XXXX XXXX has been consolidating and resolving XXXX debts for me starting in XXXX of 2014. Over 60 % of the debts have been resolved and I 'm waiting on the remainder to be resolved. But all XXXX has done is harass and threaten me since XXXX XXXX XXXX has been consolidating and resolving my debts. My rights have been violated and I want Smith Debnam, Narron, Drake, Saintsing, & Myers, LLP, and XXXX investigated by your agency and the FBI. They seem to be doing the same thing that your agency caught XXXX doing..? There is something illegal going on with XXXX 's practices and I would like for the Federal government to investigate all the parties previously mentioned. I 'm writing to the President of the United States, the U.S. Congress, the FBI, the Federal Trade Commission, the Governor of North Carolina, and the Governor of Ohio about XXXX and their practices ... I have already started writing. I 'm sending the copies of the Judgement to the White House and others mentioned ... and to as many media outlets as possible to tell the public what XXXX has done to me and possibly many others. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear Madame/Sir : I am writing to you in regards to a recent student loan refinance application I submitted to Earnest Operations, LLC, XXXX XXXX XXXX, XXXX XXXX, CA. XXXX NMLS # XXXX, operating at the following internet address : www.XXXX.com. 

I submitted an application on their website on XXXX XXXX, 2015, and uploaded all required information and additional documents to refinance the current balance of my student loans ( $ XXXX ) and lower my current interest rate from 7 % to what XXXX is currently offering ( 1.90 % ) for a variable rate. 

I received an email from " XXXX '' who advised me to explain why I had taken out a $ XXXX loan with XXXX XXXX in XXXX 2015. I responded that I was considering investing in rental property, but had recently changed my mind and decided to focus on paying off my student loan before investing. XXXX XXXX, 2015, I provided proof by uploading a copy of the statement showing that this loan was paid in full. 

On XXXX XXXX, 2015, I woke up to an email stating that I my loan request was denied, and the reason was due to " high debt to income ratio, '' which is inaccurate. I believe I am more than qualified. 

Other than my mortgage payment of {$1500.00} per month and the student loan, I do not have any debt. I pay off all credit cards in full each month. I make $ XXXX annually and have been employed with the City of XXXX XXXX for XXXX years. I am a career employee with stable income, I have an excellent credit history with high credit scores, averaging in the XXXX 's, and I have substantial savings and investments. 

Earnest ' reason for the denial of my application is unsubstantiated. The matter I would like for you to investigate is that during the application process I was required to upload a copy of my California Driver 's License. I am a XXXX male, and all things being equal, I do not believe my " white '' counterpart would have been denied. This was the first time I had to show identification for credit over the internet. Therefore, I humbly request you to investigate this matter and determine if Earnest Operations, LLC, is violating the Federal Equal Opportunity Act. 

On XXXX XXXX, 2015, I called and spoke to " XXXX '' a customer service representative. He advised me ( without retrieving my application information ) that there is no reconsideration. The decision made is final unless something has changed, and that there is no one else I could speak with. He was very casual and unprofessional. He advised that they do not have the " bandwith '' to allow me to discuss their conclusions that I have " high debt to income ''. The telephone call had a very weird feeling to it. His attitude was the decision is what it is and that 's final. He was very unprofessional and uncourteous. 



In conclusion, I have recently taken a closer look at their website and all of the photos are of XXXX people, mostly listed as attending XXXX XXXX type colleges. 

I believe that I have been the victim of XXXX. Please investigate this company. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I am XXXX. I will try to get my point across. In the beginning of the year, I used PayPal ( PP ) to purchase XXXX women 's hoodies and XXXX pairs of women 's XXXX athletic pants. They were XXXX separate orders. XXXX hoodies/XXXXpants for me & XXXX hoodies/XXXX pants for my sister. After PP was paid the money for these XXXX items, the started going into my bank account and taking more money out in usual amounts. An example would be like {$14.00}. They then put the money back the same day. Then they took some more money out of my account for no reason. I went to my credit union. XXXX. XXXX XXXX called PP each time and they would replace the money again. I still think that PP may have charged me for an extra hoodie & pants too. Now, they 're saying I owe them money & if I do n't pay them {$25.00}, they 'll send my information to my a credit bureau. 
The PP argument is that when I purchased something earlier from XXXX XXXX via PayPal, it cost PayPal {$25.00} b/c PayPal essentially says it paid XXXX the {$25.00} amount before they got the money out of my account. My SC XXXX XXXX XXXX " may have '' rejected PayPal because they knew everything that PayPal had been doing in fer. to taking my money out and only replacing it wen they were continually caught. This whole thing has my head all messed up and stressed out. Is there anything that I can do about any of this confusing mess. If I really owed them any money, then why did they replace the money they were stealing out of my account every single time? I feel helpless. My anxiety levels are really high because of PayPal 's treatment. Thank you for your time. XXXX XXXX XXXX ( XXXXXXXXXXXX ) This following is the latest correspondence from PayPal : Dear, The negative balance in your PayPal account is due to a failed banktransfer from a transaction. The payment was sent to the seller however, your bank account was never debited. In order to remedy the negativebalance situation it is imperative you arrange to fund your PayPalaccount to XXXX or a positive amount at this time, to avoid furtherdisruption to your PayPal online payment services. If this negativebalance is the result of an open dispute, please log into the ResolutionCenter on your PayPal account, to resolve the dispute. 
To add funds via electronic bank transfer : Go to the PayPal website and log in to your account. 
Click " Add Funds '' at the top of the page. 
Click Transfer Funds from a Bank Account linkFollow the on-screen instructions, and transfer money to your PayPalaccount in at least the amount of your negative balance. 
If you do not have access to your account or prefer not to pay on line, please mail your payment in the form of check or money order to : PayPal, Inc. 
Attn : AccountingP.O. XXXX XXXX, XXXX XXXX USAMake your payment payable to PayPal and include the email address listedon your PayPal account in the memo area. Please allow 10 business daysfor a personal check to be posted. 
Sincerely, Risk OperationsPayPal 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I sent commonwealth financial a debt validation in the mail and fax on XX/XX/2015, its been over 30 days, they never responded with doscumentation of account, thats a violation of fcra and fdcpa i want it deleted from my XXXX credit file right away. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America closed my credit card account with no warning. The account was current with no issues. I had earned {$300.00} in rewards. The bank is telling me that since the account is closed, I have forfeited these rewards. 

Company response: Company chooses not to provide a public response
Consumer complaint: One of the address is incorrect. I never lived in XXXX, NJ. That is wrong address. Please delete wrong information. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, an elderly customer went into a local branch of Wells Fargo in XXXX, PA and asked the teller to transfer {$6000.00} from a savings account into a checking account. The teller, in error, transferred the money from the checking into a savings account. This action caused the checking account to be negative. On XXXX XXXX, the customer attempted to withdraw money via an ATM and was not able to because of the negative checking account balance. The customer went into the branch for assistance and that is when the teller error was discovered. The branch reversed what they did and that brought the account into the positive. The branch manager apologized for the error, assured the customer that fees had been reversed and the customer leaves. Later that same week, the customer attempts to take money out from an ATM and again, there was no funds available. The customer goes into the branch again to see the branch manager. The branch manager advised the customer that this issue was his fault. It was the customer 's responsibility to monitor his account on line and that it was his own fault that the transfer was done backwards and that had he reviewed his account on line, this would never have occurred. Then the branch manager lectured the customer to the benefits of paying bills on line. The reason the customer was not able to withdraw funds the XXXX time was due to the branch reversing their error, but never actually doing the original transfer. Upon reconciling the checking account, the customer discovered the transfer had not taken place and the funds were moved at that point. It was also found that not all of the fees incurred were not reversed entirely, but only partially. 

Company response: Company chooses not to provide a public response