AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have been contacted repeatedly by a debt collector under the name of Eastern Account System Of Connecticut attempting to collect a {$79.00} balance on behalf of XXXX. 

Since the latter provides my cable internet service and I have been current on my payments, I checked with them regarding this attempt and they promised to escalate the matter and ensure that no adverse information regarding a collection was placed on my credit history. 

That was several days ago and nothing has changed. 

I have attached a copy of the notice from Eastern Account Systems dated XXXX XXXX. 

I have also attached the latest service bill from XXXX showing my account to be current at the same time period and the only amounts owed being the current monthly balance that was due on XXXX XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I recently discovered a collection from Enhanced Recovery Company on my credit report from XXXX. I have no Idea where this came from, as I have never had XXXX services. I have been unsuccessful in receiving verification for the debt, as well. I have been told to contact the original company, XXXX, and when I do, they send me to contact the collection agency. It is going in circles. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had fraudulent activity occur on my Bank of America Checking Account between XXXX XXXX - XXXX XXXX. I called in and filed a claim upon seeing this activity on my account, as the charges could not have come from me being that occured XXXX when I was in XXXX for business with my company. 

The bank refunded me the money stolen while they performed their investigation, but they failed to cancel the temporary card that these transactions occured on and fraud happened AGAIN on my account from XXXX - XXXX. They apologized for failing to cancel the breached card and credit my account once again but, 2-3 weeks later removed the money from my account stating that I could have made those fraudulent charges. I 've supplied them with documents from XXXX XXXX and the XXXX XXXX XXXX proving my stay there. I 've also showed the bank evidence of someone monitoring my account for funds XXXX making balance inquiries XXXX in the states of XXXX and XXXX and taking those funds only once I was paid and my accounts had a positive balance. 

Even with this proof and cooperation from the Airlines and Hotel showing my flight to and stay XXXX, Bank of America has still been reluctant to give me back money that is rightfully mine although I clearly was not in the state to make those transactions and have proof. My account with Bank of America has been compromised prior to this happening and was even compromised 2 weeks ago, although no money was taken this time but it still shows security flaws with their products. 

The claim is being reevaluated again, but the bank has been such a hassle to work with and the notes they 've been making on the claim have been unclear even to other representatives who end up handling the account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was charge over drafted fee of items that where XXXX dollar or less. I had direct deposit set up for this account and I had over {$350.00} with over draft fee for an items less the XXXX dollars with. I spoke to them at the XXXX telling them that I had this happen before and they did not charge and over draft fee for these items. But they said that the charges could not reversed even thought they had done it in the past. My complaint in that they are not consistent in what will have an overdraft fee and what will not. I willing to pay the amount owe but I not happy with paying over {$350.00} over draft fee for something that they did not charge me before 

Company response: Company chooses not to provide a public response
Consumer complaint: My debit card was closed without any notice to me. I had no access to my money for a few days until a temporary card was issued. The bank could only tell me that it was notified by someone that a potential breach had occurred and to close my account. The could not tell me who initiated the closure or when. I think I have a right to know these things. 

Company response: Company chooses not to provide a public response
Consumer complaint: I owned a property XXXX XXXX XXXX XXXX XXXXXXXX PA for may years and had it rented. During these years I paid the required housing permit fees and business privilege taxes on my rental receipts. In XXXX I sold the property on a long term agreement of sale and notified the city that the property was sold. They reviewed the contract ( for a fee ) and approved the sale and understood it was no longer a rental property and I would no longer be required to pay these fees. In XXXX I received a letter XXXX indicating that I had not paid privilege tax or permit fees since XXXX and issued a bill which included past fees and penalties. I reminded them of the letter which they issued to me in XXXX and provided it to them. All of this was done in the same department XXXX, but with different employees. I spoke with everyone, except the Solicitor XXXX who did not return my calls or emails ) and was told " we changed our policy ''. My response is and always has been, they could change the policy on new transactions, but my contract was already exempt. Needless to say, this fell on deaf ears and they have continued to bill me and have sent this to a collection agency. My credit has been damaged badly and I seem to have no recourse. I settled on the property after the buyer made his last payment at the end of XXXX, but I still am fighting XXXX on this. Attached is the letters XX/XX/XXXX exempting me from the fees, the letter XX/XX/XXXX trying to collect past fees, the statements from the collection agency, the most recent letters from the collection agency and XXXX indicating that I still owe the fees, and a page on my credit report showing the collection and my otherwise perfect credit. This has cased me great harm, I can not get the same rates or credit that I should be entitled to. Please help me with this problem. Thank you, XXXX XXXX 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: XXXX collection agency put this on my credit. I told them it was not mine and to remove it and they did. They sold to a XXXX collection agency who put it back on my credit, who is telling me that I have to dispute with credit bureaus. The debt is my wife 's and hers alone. They said she had XXXX ss numbers and that 's how it went on my credit. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I got dumped on this company ( Greentree Servicing LLC ) by XXXX back XX/XX/XXXX. They are trying to put me into a forced escrow account. It 's been a battle to no availe since XX/XX/XXXX.There is ABSOLUTELY no one to discuss the matter with ( only cust svc reps XXXX. I have paid all my required interest pymt, s on time w/add, l principal paymt, s. All my taxes are paid up to date. They are holding back my pymt 's and not applying my interest / and or principal pymt, s. To make a long story short ... ... ... ..they have implied and told me that they would start foreclosure proceedings on our property. I have NEVER been late with a mortgage pymt. THEY ARE ALSO IN THE PROCESS OF RUINING MY CREDIT!!!! They are saying that I.m not paying my mortgage. The issue is the escrow account I can elaborate further later on. I am XXXX yrs old XXXX ; as is my partner XXXX wife ) to be. I am XXXX a Veteran and we are ( were ) in the process of applying for a VA loan. This company has made a shambles of our plans. What they are doing, is unethical ; probably illegal and have from the beginning ; been unwilling to discuss this issue. YOU CAN ONLY TALK TO A CUST SVC REP!!!!!!! IT, S A JOKE ... BUT NOT. I HAVE ALL DOCUMENTED INFO ON MY PYMT, S, AND FROM THE LOCAL TAX OFC. By the way ; I believe this company has been practicing their tactic, s for some time. As we speak ; they, re changing their name again XXXX ... Please help us with any assistance you can provide us.Thank you 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The Fair Credit Reporting Act has as part of its complex legal process a definitive timeline as to when a credit trade line is to be removed. In the trade line under my name from XXXX XXXX, I had periods since XXXX where my payments were in excess of XXXX days late. 
XXXX XXXX is extending the time period by a process known as re-aging of debt. They are doing this by the elimination of a payment history, stating that the trade line will be removed from all pertinent credit reporting agencies XXXX of XXXX. I believe that the 7-year rule properly applied will show that I had late payments long before XXXX, and that the XXXX XXXX trade line must be removed immediately and permanently. 
XXXX XXXX HAS NO OTHER RECOURSE BUT TO REMOVE MY ACCOUNT INFORMATION BASED UPON FCRA 7-YEAR RULE ON NEGATIVE INFORMATION!!! 
I REQUEST A PROPER REINVESTIGATION WHEREAS ALL PAYMENTS CAN BE POSTED TO ASCERTAIN THAT MY NEGATIVE PAYMENT HISTORY STARTED LONG BEFORE XXXX, AND THAT THE TIMELINE FOR THIS CREDIT ITEM HAS PASSED IT RESOURCEFUL PERIOD OF USEFULLNESS. 
THE XXXX XXXX ITEM POSTED ON MY CREDIT BUREAU MUST BE DELETED PERMANENTLY, AND I SHOULD RECEIVE A REVISED CREDIT BUREAU ACCORDINGLY FROM EACH CREDIT REPORTING AGENCY WHERE I FILED A LEGITIMATE COMPLAINT THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU. 

Company response: Company chooses not to provide a public response
Consumer complaint: I fell behind on my mortgage when I became ill earlier this year and was admitted to the hospital. Now that I am fully recovered I would like to save my home. I hired an attorney to assist me in applying for assistance from my mortgage servicer, CMG Financial / CMG Mortgage. My attorney recently contacted CMG Mortgage to submit my application and complete financial package and they are refusing to accept my application for assistance. According to my attorney, this is in violation of RESPA Reg X. CMG referred us to their attorney, XXXX XXXX, and said they are handling the mortgage now. My attorney has left several messages with XXXX XXXX over the past ten days and that office has never called back or responded in any way. CMG Mortgage has now also filed a Notice of Default and they are simply avoiding any inquiries from myself or my attorney in regards to trying to resolve my delinquent mortgage and save my home. XXXX XXXX never answers the phone and messages left with them are not returned. I have submitted my financial information directly to my servicer CMG Financial by fax. I have not submitted my financial information to XXXX XXXX because they wo n't pick up the phone. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I was not informed by my jewelry store that the Wells Fargo financial who offered one year free interest would whack me with a {$440.00} interest bill a month after the year ended. I was under the assumption this was one year free interest. 

I tried working it out with the company to pay the balance off in full for forgiveness and they refuse. I was not notified close to the year end that the financing would start. I was blindsided. I have a XXXX husband due to an accident that was n't his fault and now I am about to lose my wedding band over this fiasco. 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit bureau continues to allow XXXX accts to remain on my acct without providing proof of requested validation. I deny XXXX accts that continue to be shown and stated sold to diff companies with each complaint. 

Company response: Company chooses not to provide a public response
Consumer complaint: They also left messages saying it was in my best interest to call back inferring I had a debt to settle or a negative connotation. I know for a fact it is illegal to do that in a message because they do n't always know who has control of that phone or voicemail. These are malicious attempts and each person should be fired that has left a voicemail in such manner. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an account that was deleted on XX/XX/XXXX from Trans Union and reinserted on XX/XX/XXXX.And it was removed on XXXX on XX/XX/XXXX and then reinserted on XXXX. I never received any notification that it was being reinserted from either bureau and there was no reason for it to be reinserted. Per the FCRA laws I am to be given a 5 day notification and I wasnt .I have at this point contacted an attorney and will go forward with a law suit if not removed and hopefully with your help it will be removed again finally. 
I want the account re-removed because they have failed to follow the law 1681 a 5 a of the FCRA 611 5b. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for and received a Genesis Loan to attend XXXX PA XX/XX/XXXX. I applied for the Genesis loan because I was told it was my best option to get funding for my education. During my time at XXXX, I paid on interest on my Genesis Loan. I also had to reapply for a second loan to finish out the school year/education. Recently there has been a lawsuit against XXXX XXXX, owner of XXXX and other schools. They were told to pay 40 % of students loans who had gotten Genesis loans. When I found out about it, I inquired why I had not received the 40 % forgiveness. I was told that I never had a Genesis loan. I asked how that was possible since everything I signed at school was for Genesis or a federal loan. I was told they just serviced the loan. I asked who the owner of the loan was and they gave me a name but they could not give me a number/address/website or any information regarding how to contact the owner of the loan. I decided to file a complaint. I got a response from Genesis that they never owned the loan and would request the loan be taken off my credit history. Due to my work, I did not have the time to gather the information I needed to file a dispute to their claim. After I filed the complaint, I received a letter from Genesis stating that they would no longer be servicing my loan XXXX. I had never heard of XXXX before Genesis told me about them. I have tried to contact XXXX XXXX XXXX to get a copy of my original loan information but that has led to no where. The research I have done into them has proven no known employees, no phone number and no website that I can find. I started looking through my taxes and emails and found my student loan statements XX/XX/XXXX. It shows the lender of my loans. My federal loan is owned XXXX. My private loan was owned by Genesis Lending XXXX. The emails I found are from a Genesis email account, asking my father to finish his cosigner application online at the Genesis website. I believe Genesis Lending has falsely moved owner ship of my loan to avoid forgiving 40 % of my private loans. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I sent Experian information from several previous credit report indicating how XXXX XXXX, XXXX XXXX, XXXX, XXXX have errors on report. I sent statements from the website for XXXX, Prior reports for charge off that were modified and verified as correct by XXXX XXXX and XXXX XXXX, and copies of checks for XXXX and statements from XXXX website. Instead of correcting or deleting items that obviously are being misrepresented they sent me a report file stating " Unfortunately, we aree unable to add credit information into your personal credit report. We did not add data from private parties since we would be unable to verify or maintain the data. '' Yet they add data from furnishers that they do not verify as being correct. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent a written request to LoanCare via email on XXXX/XXXX/2015, requesting to have an appraisal so my PMI can be removed. I have yet to receive a response and its now XXXX/XXXX/2015. I called in XXXX different days and XXXX times requested to speak to a supervisor and the Customer Service Agent refused. I would like to have an appraisal done, due to home improvements. I know my loan to value is well under 80 %. I am wanting to go this route rather then refinancing. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a XXXX and went to XXXX. They had created fraudulent charges to my Insurance company and when the insurance did n't pay them they came after me. I gave them an opportunity to correct the billing and they failed to do so. I have reported them to XXXX different agencies. On XXXX XXXX, 2015, I faxed a letter to Capitol Accounts ( the collection agency my account got sent to XXXX. I then followed up with a phone call on XXXX, XXXX, 2015 with XXXX XXXX. I acknowledged they received the letter and was very rude and said he was going to report tyhis debt to credit agencies and it would effect my credit unless I paid that day. I told him it was under dispute and he insisted he was sending to the reporting agencies. Today, XXXX XXXX, 2015, he called on my cell phone. I immediately advised him that was not supposed to be calling me per my letter. He violated the Fair Debt Collection Practices Act. I would like XXXX XXXX along with his company to be cited and repremanded. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: HI, my land lord was doing a credit report check when he found out that i dont have a credit history, But i have been using my credit card for the last 11 months.and i have been getting free XXXX credit score for the past 6 months .So how long before Trans unioun reports my credit score in the system. 
regards. 

Company response: Company chooses not to provide a public response
Consumer complaint: This account had balance of XXXX and i did not use or authorize to go to XXXX that 's in sane not right at all 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America did not credit me XXXX mile promotion for opening Alaska XXXX XXXX card 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit Collection Services : This company is claiming I owe {$220.00} for equipment and services to XXXX. 

I have never had a direct bill with XXXX, that was handled by my lessor, XXXX. I borrowed equipment at a cost of XXXX per month starting in XXXX, and that was returned by XXXX XXXX. 

The agency is requesting a receipt for the equipment saying that it has not been returned- I called XXXX XXXX XXXX 's XXXX on XXXX/XXXX/XXXX and spoke with XXXX XXXX she said they do not have any information on this purported debt under my name. 

Also if this debt were to be true, XXXX has never contacted me before CCS started calling -- leading me to believe it is a debt wrongly created and sold/passed on to another collection agency. 

Credit Collection Services has no evidence of these debts, just XXXX lines reading : SERVICE AMOUNT XXXX VALUE XXXX 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: The Fair Credit Reporting Act has as part of its complex legal process a definitive timeline as to when a credit trade line is to be removed. In the trade line under my name from XXXX XXXX, I had periods since XXXX where my payments were in excess of 30 days late. 
XXXX XXXX is extending the time period by a process known as re-aging of debt. They are doing this by the elimination of a payment history, stating that the trade line will be removed from all pertinent credit reporting agencies XXXX of XXXX. I believe that the 7-year rule properly applied will show that I had late payments long before XXXX, and that the XXXX XXXX trade line must be removed immediately and permanently. 
XXXX XXXX HAS NO OTHER RECOURSE BUT TO REMOVE MY ACCOUNT INFORMATION BASED UPON FCRA 7-YEAR RULE ON NEGATIVE INFORMATION!!! 
I REQUEST A PROPER REINVESTIGATION WHEREAS ALL PAYMENTS CAN BE POSTED TO ASCERTAIN THAT MY NEGATIVE PAYMENT HISTORY STARTED LONG BEFORE XXXX, AND THAT THE TIMELINE FOR THIS CREDIT ITEM HAS PASSED IT RESOURCEFUL PERIOD OF USEFULLNESS. 
THE XXXX XXXX ITEM POSTED ON MY CREDIT BUREAU MUST BE DELETED PERMANENTLY, AND I SHOULD RECEIVE A REVISED CREDIT BUREAU ACCORDINGLY FROM EACH CREDIT REPORTING AGENCY WHERE I FILED A LEGITIMATE COMPLAINT THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am current on my account with XXXX and have receipts to prove it and the company is showing my account is late and I 've missed a payment. I have spoken to the company but they have n't corrected their mistake 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an account with Bank of America between XXXX and XXXX. I closed my account in XXXX. As background : In XXXX, Bank of America unilaterally re-opened my account without my consent or knowledge, accepted EFT transfers from my previous employer ( who had sent them to BofA in error ) and then reactivated my auto bill-pay settings and disbursed money from my account - all without my knowledge. 

I have not had an account with Bank of America since then. This week ( XXXX XXXX ) I received a customer email from Bank of America advising me about new services for account holders. I just called Bank of America today to ask why I 'm receiving emails. The customer support representative informed me that BofA never fully closed my account. 

I have not had access to any BofA account for years. I have not used their services for years. No BofA account appears on my credit reports - but somehow, BofA is continuing to operate an account in my name. Please advise if there is a way to force a bank to close an account. 

Company response: Company chooses not to provide a public response
Consumer complaint: wrong account i did not use hospital 

Company response: Company chooses not to provide a public response
Consumer complaint: I am repeatedly getting calls from local number XXXX stating that severe allegations have been attached to my name and ss number and that I have XXXX hours to contact them at XXXX to provide a statement or they will file paperwork with the courts and I will lose all legal rights. They have also contacted my ex fiance. I have attempted to call back XXXX to both the local and toll free number. After several rings it states to leave a message then says that the mailbox is full. No identification of company. I do not owe anyone any money nor have I taken any loans out. I did some research since you are unable to actually speak directly to a person and discovered that this is a company named Direct Capital and they are harrassing numerous people. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Hi, I have a XXXX account # XXXX, which I have disputed with Experian for since XXXX XXXX, 2015. Please find attached the police report for your reference. Please note that this account resulted from identity theft and due to an error on the police report where this account was listed as a XXXX account instead of an Experian. This account never existed on my XXXX report. 

Company response: Company chooses not to provide a public response
Consumer complaint: the balance was XXXX $ and XXXX $ latte fee total shood be XXXX $ and be send to me to pay it off 

Company response: Company chooses not to provide a public response