AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I was Leasing a house with XXXX other roommates. Vacated the property on XXXX XXXX - started receiving letters months later from Hunter Warfield that I owed in excess of {$3600.00} after my {$1000.00} security deposit was applied. I never received written notice from landlord stating my rights as a tenant to contest charges. I have repeatedly asked for invoices as to the damage and have been hung up on, harassed when I am working and am badgered with lawsuits, being told I have to get an attorney and that my credit will be wrecked if I do not pay. No one is willing to verify that this debt is accurate and when asked for copies of invoices I am told to get an attorney. I am a XXXX year old XXXX XXXX student supporting my way and do not have the luxury of an attorney. XXXX Statutes mandate that I am to be sent a written letter explaining the charges, the reasoning my security deposit is held and my rights to dispute and I have never received anything like that. I am told that they have photo 's, but I have photo 's date and time stamped as well proving many of the charges were falsified. I was told also that the leasing company is too big to provide the invoices so I should get an attorney just to verify that these charges are accurate. The charges were reported the day I vacated the property - how a house can have drywall, painting, cleaning all in the same day I moved out is ridiculous. The removal of items that they are claiming as well charging me for, are in my friends garage so obviously the leasing company went to our house prior to our move out. These charges make no sense, I was never officially notified by the leasing company and the debt collectors Hunter Warfield have no proof that the debt is even accurate but are putting on my credit report. The only proof of any letter sent by leasing company was to my former roommate. There is nothing showing my name. 

This is the email sent when I requested invoices " XXXX, Your lawyer can request invoices, not you I can share the pictures of the damage you were charged for as I did with XXXX. You must dispute the charges with a lawyer. 
They are not that easy to get, this is the XXXX largest XXXX single family home company in the XXXX and all is in XXXX through XXXX. Just dispute with a lawyer and have him request. '' This does not seem fair or legal to just put blanket charges on an invoice and give to collection agency. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: A medical collection account of {$100.00} is being reported in my Experian credit report. This is the only agency reports it. I disputed this information with the Experian. I received a response stating that they verified the information. Since the reporting agency claims the account was validated, I disputed the account with the reporting collection agency. 

The collection agency did not reply to my validation request. Since I could n't get a response from the collection agency, I asked Experian to either share the information about who validated and what method was used to validate this alleged collection account or delete it from my report. 

As a response, Experian send me a copy of my report again saying the account was disputed in XXXX 2015. 

As of today, after XXXX disputes, Experian did neither delete nor properly investigated this account. 

first dispute with Experian : XXXX 2015 Dispute with Collection agency : XXXX 2015 Second dispute with Experian : XXXX 2015 

Company response: Company chooses not to provide a public response
Consumer complaint: While trying to access my Experian credit report, during the process to access my report, it asked " You have recently ( 2012 gotten a home loan or something to the effect of having a mortgage ). I live in a XXXX bedroom apartment that my mother helps me pay for. I have no credit accounts or loans from ANY company, just a debt that I owe to my mother that I am using my social security payments to help me repay. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America sent me foreclosure notices and foreclosed on my property without giving proper notice. I filed Chapter XXXX Bankruptcy. XXXX, XXXX to stop the foreclosure. I was in a active Bankruptcy when notice of the foreclosure sale was given.The Bankruptcy was dismissed XXXX XXXX, XXXX and my property was foreclosed on XXXX XXXX, XXXX. 
My understanding of the Tennessee Bankruptcy laws is while I was in the Bankruptcy I was protected by a Federal Bankruptcy stay and the foreclosure process never should have started. The Foreclosure attorneys for Bank of America and Bank Of America proceeded with foreclosure even though I was under Bankruptcy protection. I do know i was suppose to receive notice of intent of the property sale after my Bankruptcy was dismissed. I want the the foreclosure rescinded and the deed reinstated. I 'm prepared to file a lawsuit if necessary for damages and to get my home back.. 

Company response: Company chooses not to provide a public response
Consumer complaint: I performed the initial steps to see loan refinance options with " Open Road Lending. '' They presented themselves as a middle man of sorts. They would find the best banks and then they would pass along the information. I received a call from one of their representatives stating that they could only talk on the phone. I called the customer representative and gave him the information. I informed him that my only income comes from a XXXX pension. He said, " you 're XXXX? '' I answered yes and said I was on this retirement for 5 years. He questioned how I can be XXXX and have been XXXX when I was XXXX. He then said " this is a problem, the banks wont like it. '' He promised a return call. All I received was an automated email. I wrote a certified letter to the company, asking for the removal of the inquiries. They sent back an official denial letter, stating that they are a dealership, not what they advertised. I submitted a review online to XXXX XXXX, and they responded by saying that they are not a dealership. This is definitely something that a layman would not have picked up, and is deceptive. Their comments regarding my XXXX were borderline harassment, and were discriminatory in nature. The banks that they did send it to were some credit unions in Texas, the same state that " Open Road Lending '' operates. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: There is a derogatory reference on my credit report from Jefferson Capital System ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX at XXXX ). 

Approximately, three months ago, I disputed this adverse notice claiming I owed {$200.00} to XXXX XXXX. I contacted XXXX XXXX on the matter, and all they could tell me is that they sold the collection to Jefferson. I called Jefferson and they can not identify any outstanding claim. This is because I contested it on my credit report, and it was removed by the credit reporting agency, but now it is showing up again. I DO NOT OWE THIS MONEY. No one can tell me what this is for. I have had a XXXX XXXX account for over 10 years. I continue to pay and be in good standing, but this keeps showing up and no one can give me any information as to why it is a collection account. According to a XXXX Report, this was placed in collection on XXXX/XXXX/2015. I did n't owe this at this point. It was later updated on XX/XX/XXXX and still showing as a derogatory notice. This is adversely affecting my credit and if someone can not provide information to me about this, it should not be allowed to be reported. 

when you call XXXX, an automated notice references that the account was sold. What company would sell an outstanding account if it is only placed in collection on XXXX/XXXX/2015. This is an error and it needs to be removed immediately. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I opened a Sears credit card for the purpose of purchasing a washer/dryer pair from Sears XXXX store in XXXX 2015. I was told as my sister is my witness that by opening credit card account to make purchase and buy the warranty that if I paid the purchase in full in 6 months that the warranty would be free. By XXXX I had paid {$1000.00} which was the purchase price believing that my account had been paid in full and that the warranty price would be adjusted since payment in full had been made well before the 6 months. By late XXXX I continued to receive bills from Sears regarding the remaining balance. Believing this to be a mistake, I contacted the credit department before the XXXX XXXX, payment was due. I explained the situation to XXXX who offered to extend the promo for another 6 months while this concern was being resolved. I had spoken with XXXX and XXXX in XXXX, XXXX in XXXX and XXXX and XXXX in XXXX. Supposedly this has gone to store manager XXXX XXXX, district manager XXXX XXXX and most recently to XXXX XXXX regional manager. No one has contacted me to resolve this issue. I was given a case number and every time I called I have to explain this situation to every representative thinking someone is going to help me. This has been the worse customer experience I have ever received. XXXX did make contact with store while I held for 20 minutes. An assistant manager XXXX came on the phone and said he had no way to contact district manager which I find hard to believe. It appears they do n't want to deal with this because what I told obviously was not true. I was misled into opening the account and now I am paying for something that should have been free. This is dishonest and wrong. You ca n't mislead consumers. They need to refund what I have already paid since XXXX and adjust the remaining balance. Rest assure, I will make no further purchases from Sears. I thought they were reputable and would take quick steps to resolve this. The corporate escalations well as the stores are playing games. But this is not funny nor is it right. I wonder if the CEO is aware of how they are running this company. I 'm sure social media would have a field day knowing Sears and Citibank are scamming customers. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a a unverified account from CHOICE RECOVERY Account # XXXX. I had previously disputed this account. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CHOICE RECOVERY purport I owe. I request that CHOICE RECOVERY Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: My attorneys and I have been trying to complete the sale of my home. We have been unable since 2015 due to the fact Specialized Loan Service refused and stated to us that Intervening/Mortgage assignment documents does n't exist leaving us with no option but to sit and continue to accumulate unfair fees and SLS lawyer and other fees. When my attorney asked XXXX and her supervisor for SLS attorney information they stated that they could not provide that to him. I have spoken to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and several other agents. My information continues to be passed and ignored. Today, instead of the mortgage assignment documents being sent to me. I received the mortgage assistance documents not what I asked for. I am a recently divorced mother of XXXX kids with no income due to a medical illness. I need to sell in order to care for my family, bills and my XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, My husband and I did a balance transfer to pay off our Home Depot card and we thought we had paid it off but there was a {$68.00} balance. We use to receive paper bills but somehow they stopped so we assumed it was paid in full. I checked my credit report a couple months after because I am in the process of getting pre-approved to buy my own place ( My husband and I are getting divorced ) and could n't understand why my credit score went from XXXX to XXXX and saw that Home Depot has reported us 2 months past due! I was so upset! I called Experian and they let me know only Home Depot could only fix it. We 've been cardholders for over 10 years, and have never been late on payments. 
I called Home Depot they told me we had switched to e-statements to my husbands email address ( he never received them ) which we do n't recall doing. They said I could send a letter of explanation along with my full credit to their dispute department. Only to be rejected 5 weeks later stating that it was true and accurate information that I was late for the the payments. I let them know my husband and I are in the process of going through a divorce and my future depended on my good credit so I am able to buy my own place for my XXXX kids and myself. I am so furious that they wo n't even take into consideration our excellent credit standing with them or the circumstances behind it. How could we pay the {$68.00} balance when we had no idea it was due and they charged us several late fees on top of the small balance. We had paid them {$4400.00} via a balance transfer, what would make them them think we 'd be late on purpose to pay the remaining small amount we owed? 
I am hoping you can please help me get these negative marks off of our credit. It is so disappointing. They also lowered our credit limit from {$5000.00} to {$500.00}. 
I will never use their card again if they do n't adjust the negative marks! They clearly do n't value good customers. 
I 've attached a letter I sent to Home Depot to dispute our account. I am hoping you are able to help me. Thank you in advance for your help. 

Kind Regards, XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Behind in payments on my daughters student loan, as co signor I got involved with the bank. On XXXX XXXX, 2015 they called and said I would have until XXXX XXXX, 2015 before it went to collection on XXXX XXXX, 2015. I made the payment that evening and it cleared that evening. The very next day the school paid the loan off in full without any communication with us either from the bank or the school. The school then sends the loan to collection without any communication with us and collection agency adds XXXX. I feel that the bank told me I had 30 days and the very next day closed the account out. Is this " fraud by deception ''? XXXX specialists from the bank assured me that the loan did NOT go into default and therefore was not going to collection. 



















XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: There is inaccurate information on my credit report. Attached you will find copy of a ledger that I received from the leasing office of XXXX XXXX XXXX. 
The leasing office has confirmed that this has been reported as an error on their part. I was never evicted nor do I owe any money. I want this handled immediately, this inconvenience is preventing me from moving into an apartment that I was declined from due to such inaccurate report. This is an error/ incorrect information showing on my credit report, please remove. 

For further questions, you can reach out to the apartment ( XXXX XXXX XXXX ) directly at XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: " Account Services '' is sending me letter and making threatening calls regarding an incorrect statement. In 2013 XXXX XXXX XXXX contacted me for the same and upon further investigation they suggested that I do n't owe anything and I have a letter stating that they were suspending all collections activity. I tried to explain the same to " Account Services '' and they are unwilling to listen to me and threatening to impact my credit score. My File # XXXX. I need help to resolve this matter as I do n't owe this money however I am being harassed and threatened by this company. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Without my knowledge, my Macy 's account was tied to a separate American Express account. When I paid to the account number on my Macy 's credit card, which cleared, I was unaware I was paying to a XXXX balance American Express account, and not to my " Macy 's '' balance. Over the course of many months, I tried to reconcile this online, through the Macy 's website, but every time I tried to log in during the spring, summer and fall of 2015, I was told the site was " temporarily down. '' I called the number on the account at least 2 times and was unable to speak to someone who could tell me what was going on. Finally, after receiving a check from MACYS ( aka American Express ), for overpayment, the same month I received an invoice for slightly more ( due to the large missed payment fees ), I managed to get a call through to someone who understood what was happening and could explain where to pay. 
Last month I paid the full balance, and was told by the customer service rep that there would be no further charges. Then I received a bill for XXXX , apparently for some sort of balance fee, which I do n't understand. I paid that, but somehow it was mixed up again, and did n't post ( I have the bank statement to proove it ), and then received a XXXX $ bill for not paying the XXXX XXXX 
I have recently spoken with Macy 's and been assured that I have paid the XXXX $ balance, and they also told me my account was closed ... why I do n't know. That is fine, I wanted to close it anyway, but I 'm not sure if that type of closure affects my credit score. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I recently pulled my XXXX and XXXX ctedit report and to amazement, I still see this company name Synchrony Bank/ Walmart account displaying on my reports. I have been disputing this account with credit reporting agencies XXXX and XXXX, but it comes back " verified '' since 2014. I have also contacted the data furnisher as well. They tell me account has been sold, but does not verify/ validate ownership. Synchrony Bank is the company that is listed on my credit report with XXXX and XXXX. No legal proof has been provided to justify the company name being on my credit reports. I have requested information, documentation, validation, and verification. Nothing ever gets accomplished, this company name continues to remain on my credit files with XXXX and XXXX unjustly. It is a violation of my federal rights under the Fair credit reporting Act and Fair Debt Collection Practices Act. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We had a loan with XXXX aka XXXX and it was sold to specialized loan services. XXXX foreclosed on the property after 5 years. XXXX and Specialized Loan services are both showing on my credit report. I never signed any papers with this company and have no affiliation with this company, yet it is on our credit report. These companies were involved in a class action lawsuit about this issue. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My origianal mortgage with XXXX / Three and a half years ago Social Sevurity stopped payments to the tune of {$10000.00} because they said I made too much money and that they had over paid me. As a result I was late in my mortgage payements to XXXX. I tried to modify the mortgage many times but my paperwork kept coming back as incomplete eventn though I was working with Mortgage Assisance from the XXXX Office of MA. Because of this I was forced to go into capter XXXX bankruptcy. Then my loan was sold to Selecto Portfolio Services of XXXX XXXX XXXX Utah I have been making payments to them and the Chapter XXXX trustee. A couple of weeks ago my lawyer called sayin that SPS claims that I owe them {$10000.00} and that I have not paid them since XXXX XXXX. They want to go to court to remove the protection and foreclose on my property if I do not comeup with $! XXXX dollars. I am about to send in my XXXX XXXX payment. I am very nervous that this payment and the other payments will not be credited to my account. 
I have gone over all of my bank statements for the past XXXX years and I have made every payment. So, I do not understand why my account is not being credited and why if there was some kind of a problem, why did SPS not tell me sooner. I have been reading so many complaints regarding the company that it makes me fearful of losing my property. I am a single senior and would really appreciate any help you can give me. My lawyer feets that mortgage companies are always right but from what I am reading I have serious doubts especially in the case of a company like SPS. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Checking my credit report XXXX pops up for the fourth time which mean the collector kept selling this account. I never had XXXX NEVER and the last three times they had to remove it because they could n't validate it. I blasted XXXX for doing a authorized inquire, which they remove also. The fourth collector will remove it but not after selling it again. Please help. P.S. I live in a XXXX which XXXX ca n't service so how is this possible! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a XXXX for XXXX from SLS for a loan that was foreclosed in XXXX/XXXX/XXXX, SLS was the second trust deed holder on the property. They did not make an offer at the sale and continued billing, me until the end of XXXX, even after numerous conversations with thm that the property was foreclosed in XXXX. According to Idaho law they had 90 days to do a deficiency judgement against me, but they did nothing. The property reverted back to the 1st trust deed holder on XXXX/XXXX/XXXX for {>= $1,000,000}, which was the balance of their loan. I need SLS to to correct the XXXX C, which they have sent me a letter that they would n't, I will include the letters and information following. 

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