AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Enerson Law firm sent a " dunning '' letter to consumer dated XX/XX/XXXX on law firm letterhead which violates the Fair Debt Collections Practices Act ( " FDCPA '' ) 15 U.S.C. 15 Section 1692e and 1692f. The law firm commits a number of violations in the letter. The XXXX XXXX notes that " dunning '' letters ( sent on law firm letterhead ) that contain offers to settle 'time-barred ' debt misleads unsophisticated consumers as to the legal status of the debt and violates the FDCPA. Consumer recognizes the debt Enerson Law Firm is attempting to collect is over XXXX 's 4 year statute-of-limitations ( SOL ) law for debt collection. Consumer does not wish continued communication with Enerson Law Firm after this formal ( dispute ) complaint is lodged with the CFPB as the complaint will be tendered as evidence in a court proceeding if necessary. Consumer makes known that - if an agency ( or law firm ) incorporates the use of form collection demands on attorney letterhead the agency ( or law firm ) MUST incorporate " meaningful attorney involvement '' into its collection process ; 15 U.S.C. Section 1692e and XXXX vs Law Offices of XXXX XXXX XXXX XXXX XXXX, No. XXXX. XX/XX/XXXX - US XXXX XXXX. If Enerson Law Firm does not cease contact with Consumer by mail/phone/email consumer will file a state and federal lawsuit against the entity for violations of the FDCPA, FCRA and TCPA. Consumer thanks the Consumer Financial Protection Bureau ( CFPB ) for providing this venue as a viable avenue of documentation and mediation. It is greatly appreciated. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX sent a " dunning '' letter to consumer dated XX/XX/XXXX on law firm letterhead which violates the Fair Debt Collections Practices Act ( " FDCPA '' ) 15 U.S.C. 15 Section 1692e and 1692f. The law firm commits a number of violations in the letter. The XXXX XXXX notes that " dunning '' letters ( sent on law firm letterhead ) that contain offers to settle 'time-barred ' debt misleads unsophisticated consumers as to the legal status of the debt and violates the FDCPA. Consumer recognizes the debt XXXX XXXX XXXX is attempting to collect is over Nebraska 's 4 year statute-of-limitations ( SOL ) law for debt collection. Consumer does not wish continued communication with XXXX XXXX XXXX after this formal ( dispute ) complaint is lodged with the CFPB as the complaint will be tendered as evidence in a court proceeding if necessary. Consumer makes known that - if an agency ( or law firm ) incorporates the use of form collection demands on attorney letterhead the agency ( or law firm ) MUST incorporate " meaningful attorney involvement '' into its collection process ; 15 U.S.C. Section 1692e and XXXX vs Law Offices of XXXX XXXX XXXX XXXX XXXX, No. XXXX. XX/XX/XXXX - XXXX XXXX XXXX. If XXXX does not cease contact with Consumer by mail/phone/email consumer will file a state and federal lawsuit against the entity for violations of the FDCPA, FCRA and TCPA. Consumer thanks the Consumer Financial Protection Bureau ( CFPB ) for providing this venue as a viable avenue of documentation and mediation. It is greatly appreciated. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/XX/XX/XXXX XXXX XXXX working for Orions Management Group L.L.C. Group called me at my employer. I could not talk so I gave him my phone # and he gave me his as ( XXXX ) XXXX and said I would call back. When I did the same day XXXX minutes later during my lunch at XXXX XXXX he threatened to take me to court and tag on hundreds of dollars in court fees. I asked him to send it to me in writing and he refused to do so. He threatened to send it to his attorneys right now if I did n't comply right now with a promise to pay. I gave him my credit card # and e-mail but no specific day he can charge it nor an amount and said I would call back. I did research and learned the statute of limitations for suing me started the XXXX time I missed a payment which according to my credit report was XXXX and as of the day XXXX XXXX called me the item was seven years old and a Time-Barred debt. I called XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX and asked him if he could sue me for a debt that had run the statute of limitations of XXXX years in my state Washington and he told me he could because the statute for this item started on the Charge off date which he said was XX/XX/XXXX. He then began raising his voice and speaking very fast saying he could charge my card right now or forward it to his attorney and I have n't given him verbal or written consent to do so. I disconnected the call without another word. I sent him an e-mail to clarify what he said on the phone on this same day XXXX/XXXXXX/XX/XXXX and to request this debt in writing. Instead of responding he called me at XXXX XXXX and XXXX harassing me while I am at work and unable to come to the phone. He sent an e-mail reply ignoring my questions and said he would send his settlement offer and that is all I received. After this I sent an e-mail again requesting he respond to my questions and he replied I would have to call him to discuss. To summarize XXXX XXXX threated to take me to court, garnish my wages if I do n't pay on a Time-Barred debt and when asked specifically about his right to sue me he provided false answers and threaten to charge me card for which he has authorization to do so. He caused me undue stress with his false statements and it has adversely affected my health and peace of mind. He is harassing me and using unfair collection practices which are prohibited by Federal Law. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: A man, XXXX XXXX, left a message on my voicemail claiming he was trying to locate me with a legal summons for a lawsuit. He left me the number of this company to contact in regards to this case. I called the number he provided where I was told I was being accused of defrauding XXXX XXXX for a credit card I had issued back in 2000. They were suing me for over $ XXXX.They claim Citibank bought the debt and they were now demanding their money. I am not sure that this is a valid debt. I have not received any collection notice from this company as of yet, just this phone call. I contacted my attorney and she researched our local county court calendar. She can not find a court date for this hearing. At this point she feels as though this is a scam of some sort and recommended I report it to the authorities. I am also concerned because these people do have at least the last XXXX numbers of my social security number. 

Company response: Company chooses not to provide a public response
Consumer complaint: I compared my experian report to that of a friend of mine. Both of us have collections on our experian file. When I compared the XXXX files, her collections are scheduled to come off between 4 and 5 years from the date of the collection and mine are scheduled to come off between 7 and ten years from the date of the collection. She has lot more collection and negative information on her credit file with experian and her credit score is higher than mine. The only difference between the XXXX of us is that she is a XXXX year old XXXX female and I am a XXXX year old XXXX female. It is not fair that her collection accounts are scheduled to come off between 3-6 years from the date they were reported and mine are between 7-10 years. For example ; I have a collection account that was reported in XXXX and it is scheduled to remain on my credit file until XXXX. She also have a collection file reported in XXXX and it is scheduled to remain on her credit file until XXXX. I have copies of both reports and all of the collection accounts have similar discrepancies and differences on both of ours where her unpaid collection accounts are scheduled to be removed a lot quicker than mine ; XXXX of our collection accounts is the same creditor ( XXXX XXXX Bank ) and its the same scenario as far as when the negative information is scheduled to be removed. I am not understanding why the difference in the removal time, from my understanding negative information remain on file the same amount of time regardless of who the consumer is. It seems as though it may be a difference based on discrimination. I have copies of both reports and I will send them in with the differences highlighted if necessary. I want to know why there is such a difference as to why my negative information stay a lot longer on my credit file, making it harder for me to repair my credit and raise my credit score than it does for another person in a very similar situation than mine. The only difference between the XXXX of us is that she is a XXXX female who is XXXX years older than myself. I have the hard copies of the credit report that I plan mailing to the investigator assigned to this complaint as soon as I hear a response from this bureau. Again I would like to know the difference and why some consumers such as myself have a longer waiting time for negative information to be removed than others. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015 I requested and received a copy of both my XXXX XXXX Report and my XXXX report. I did not request a copy of my XXXX report until today, XXXX/XXXX/2015. When I made this request I received the message thay I had already received a free copy of my Experian Report. This was incorrect I have not received a copy of my free Experian credit report. Earlier this year my bank, XXXX XXXX, offered me, and I accepted access to my Experian Report thru a link on their website. I had to XXXX log in to my account online from which I clicked on the link provided ( XXXX, XXXX, Experian Credit Report ) and enter the passcode I was given, by the loan officer at my XXXX Bank here in XXXX, VA, to gain access to my XXXX XXXX XXXX 5 times over a period of 80 days. This was in no way connected to my right to receive my annual free copy of my Experian Credit report. 
Thank you for your time and attention paid in dealing this matter. I will look forward your response. Thank-you, XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015. I opened a dispute with Experian due to the fact that I had just paid off my Student Loan in full on XXXX/XXXX/2015 with the Creditor. I provided the amount of the payoff and an explanation stating that the loan was no longer in " collections '' and should be reported as closed. Per the FCRA, my understanding is that Experian is legally required to conduct a " reasonable investigation '' of this matter. XXXX days later on XXXX/XXXX/2015 Experian " hastily '' completed their investigation, citing that the account was being reported " correctly '' despite having direct evidence from me that the account was paid in full ( attached ). I assert that Experian did NOT conduct a reasonable investigation, and violated the FCRA by being " willfully negligent '' in their investigation, or that they did not actually do any type of investigation at all. Due to the failure of Experian to conduct a reasonable investigation, I demand that the report be removed from my account immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a complaint against Enhanced Recovery company 3 months ago and still nothing is being done to correct my credit file. Please advice me on the status of this account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of AmericaXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, I was informed that once I made XXXX 2015 payment, Customer Service Representatives name would be removed from my account and then I could have the funds allocated as payment instead of to principal. No one was ever able to explain why Customer Service Representatives name was attached to my account since my Trial Modification Period was over. Please explain this process that is not indicated in my Trail Modification agreement. 
I have been given numerous timeframes, from immediately after XXXX XXXX payment to XXXX days after, about when the {$950.00} will be released so that I can allocate as a monthly payment. I am constantly getting misinformation from Bank of America Customer Service Representatives and their Supervisors. Please clarify when the {$950.00} will be released and why it was applied to principal and not as payment initially. Why was I not asked what I wanted done with the money? I have asked numerous times for documentation in writing, but was informed I could not have information in writing. I would just want Bank of America to quit changing the rules to benefit themselves. Why if Bank of America is following their standard policy and procedures can I not have information in writing regarding my account? 
After much research, my Customer Service Representative informed me on XXXX XXXX, that I would not be able to move money so I could allocate as payment and it has to stay as principal. Initially I was told that the payment had been used for my XXXX and part of XXXX payment. I informed Customer Service Representative that was not correct my modification agreement dated XXXX XXXX, 2015 stated that my first modified payment was due XXXX XXXX, 2015. Why recourse do I have since Bank of America has decided they will do what they want with my money. 

I still question if this is their normal process, why no one was able to inform me initial when I questioned movement of the funds. It is obvious that I need the modification why would they assume that I did not need this money allocated to benefit me. The trail modification calculations had already been done when the payments were received by Bank of America, so they were not included but now I am being told if they move the money, it will make me behind in my payments. I honored my agreement with the trail modification, why can I not get the same honor from Bank of America. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been repeatedly harrassed by NCAC. I have had XXXX call with them, including XXXX today, to cease and desist their collection efforts. They continue to call me after I have instructed them not to do so. I want this action on their part to cease. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX XXXX I disputed account # XXXX from creditors XXXX and XXXX XXXX in the amount of {$730.00}. Transunion completed the investigation and updated my report with the result of the account belonging to me in XXXX XXXX. I have contacted Transunion, XXXX, and XXXX XXXX concerning the details of account # XXXX and how it supposedly belongs to me. The account does not belong to me and it has plagued my credit report for several years. I spoke with Transunion 's customer service concerning the investigation process because the account does not belong to me and I have never received any billing for this account. Transunion customer service explained that they contacted the creditor through XXXX and XXXX XXXX responded that the debt belonged to me but outside of that they were unaware of any investigation or how the information allegedly belonged to me. Transunion continues to report the creditor and the negative information but there has been no reasonable investigation to confirm the account belongs to me. Between XXXX to XXXX XXXX XXXX negatively reported an account in a similar amount that did not belong to me. I had the account and XXXX XXXX removed from my credit reports but it appears that they have re-aged fraudulent debt and used a different account number in order to collect on a debt that does not belong to me. 
Transunion also reports account # XXXX from XXXX XXXX XXXX in the amount of {$900.00}. I contacted the creditor and based on my conversation with the creditor debt belongs to a male in XXXX Tn at address XXXX XXXX XXXX. The debt does not belong to me I am a single unmarried female living in Georgia. XXXX XXXX XXXX admitted that they only have partial information and the services rendered for the account belong to man. 
Transunion also reports account # XXXX from XXXX XXXX in the amount of {$1300.00}. This debt and creditor has also been regularly reporting negative information which also belongs to a resident at XXXX XXXX XXXX XXXX Tn. 
These accounts have some how been transposed to my credit but none of these accounts belong to me and no reasonable investigation has been completed by Transunion or these alleged creditors to assert that these debts belong to me. I want these creditors and debts removed from report. I would like Transunion to conduct a reasonable investigation instead of just taking the word of creditors through XXXX. My credit has suffered significantly due to the Transunion 's failure to conduct a reasonable investigation. 

Company response: Company chooses not to provide a public response
Consumer complaint: i have submitted loan modification request with full package last XXXX 2014 and have been waiting for the result but the lender did not give me any result regarding approval or denial of the modification. I recently applied again for update status of my application and situation. The lender has sent me the notice of sale and they want to foreclose my house over the options of modification to keep my house. They told me they will not postpone the sale date to me and wish to move on with foreclosure even though they request additional documents and had submitted for review. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of 2015 I offer to purchase a short sale of property with Bank of America after submitting all the documentation the contract, short sale agreement sign by both parties the bank send a counter offer which was accepted, waited for about a week to find out through equator that the negotiator have shut down the deal because he said he tryed contactingthe seller and due to lack of respond he closed the deal, and have us resubmit the whole short sale offer. We went through the whole process to find out after a month that the deal was dead beacuse the negotiator made the determination that the transaction was not an arms-length transaction due to the fact that a real estate agent was not used nor that the property was listed in the XXXX but instead in XXXX. ( by the way the saling price agreed upon was above the maket value of the property and no relationship whatsover with the seller making the transaction an arms-length ). Now in order to sale the property the seller have to re-list the property with a realtor which will increase the cost of the transaction, and to make matters worst I could not purchase the property as per policy of Bank of America. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015. I opened a dispute with Transunion due to the fact that I had just paid off my Student Loan in full on XXXX/XXXX/2015 with the XXXX. I provided the amount of the payoff and an explanation stating that the loan was no longer in " collections '' and should be reported as closed. Per the FCRA, my understanding is that Transunion is legally required to conduct a " reasonable investigation '' of this matter. 4 days later on XXXX/XXXX/2015 Transunion " hastily '' completed their investigation, citing that the account was being reported " correctly '' despite having direct evidence from me that the account was paid in full ( attached ). I assert that Transunion did NOT conduct a reasonable investigation, and violated the FCRA by being " willfully negligent '' in their investigation, or that they did not actually do any type of investigation at all. Due to the failure of Transunion to conduct a reasonable investigation, I demand that the report be removed from my account immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: Refinance my mortgage paying off the mortgage I had with Suntrust on XXXX XXXX, 2015. They ( Suntrust ) was supposed to send me a cheque with my balance on the escrow they are holding for the amount XXXX. Up to today I have not received the fund. They are claiming that they have send me by check the above amount and I have not received it. Let me point out no letter has been lost and I have even received their latest communication final escrow account disclosure send to me on XXXX XXXX. In their they are claiming that they have refund me. I keep calling them and they keep saying the check was send out few weeks ago. The amount is important and they are withholdin it without any justification. The check lost is an easy way of delaying the reimbursement. 

Company response: Company chooses not to provide a public response
Consumer complaint: I already filed complaint # XXXX but need to add also complaint that original debtor refused to work with me when I called them. They said they no longer had an account # or any information on me and the collection agency they turned my account over to would not work with me either. So apparently someone sold the debt to another agency and now my credit report shows I owe XXXX different agencies XXXX different amounts for the same original debt. I was never even contacted by the XXXX agency in any manner. I had to go online to look up their name and phone number. I need to get this off my credit report. It has destroyed my credit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The debt collector ( ERC Enhance Recovery Company LLC based in XXXX ) using XXXX phone numbers XXXX has been calling my home phone on daily basis. 

My home number is registered with both XXXX no-call and National no-call list. The caller does n't leave any voice message regarding why " it '' has been calling? I called back to inform them that our phone is on the no-call list please stopping calling otherwise they will be reported. They were also informed that if they have any legitimate debt, please send the debt in a registered mail subject to further discussion and dispute resolution. So far, the scammers keeps calling my home phone without further stating its purpose. I would like them to be put on the Stand! 

XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Sps will not send me valuable information that I 've requested thet keep giving me the run around please help me save my home 

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