AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I submitted This to XXXX XXXX XXXX - who then forwarded it to XXXX XXXX XXXX CFPB ) - per Our telephone conversation - I am filing this with CFPB - my entire submitted file was XXXX pages and can submit to you as needed : Under FTC Settlement, Debt Buyer Agrees to Pay {$2.00} XXXX for Alleged Consumer deception - - - XXXX XXXX - I was recently sued by asset acceptance in regards to a credit card debt from XX/XX/XXXX and the statute of limitations was well over - I feel as though this case is part of their FTC settlement for the following : The asterisks mark the what they did to me & my court case : *****misrepresenting that consumers owed a debt when it could not substantiate its representations ; *****failing to disclose that debts are too old to be legally enforceable or that a partial payment would extend the time a debt could be legally enforceable ; providing information to credit reporting agencies, while knowing or having reasonable cause to believe that the information was inaccurate ; failing to notify consumers in writing that it provided negative information to a credit reporting agency ; failing to conduct a reasonable investigation when it received a notice of dispute from a credit reporting agency ; repeatedly calling third parties who do not owe a debt ; informing third parties about a debt ; *****using illegal debt-collection practices, including misrepresenting the character, amount, or legal status of a debt ; providing inaccurate information to credit reporting agencies ; and making false representations to collect a debt ; and*****failing to provide verification of the debt and continuing to attempt to collect a debt when it is disputed by the consumer. 

I have been back to court 4 times since XXXX - finally XX/XX/XXXX the Judge ordered this dismissed as the statute of Limitations was over - it was time-barred and they had no documentation supporting a payment was made as they had claimed I made a payment and that restarted the SOL in Wisconsin - I have court documentation of the case and the numerous ploys used by asset acceptance and XXXX Law which was representing them - Please guide me as to where to continue my grievance - it is my understanding this lawsuit against them was in XXXX Court via the FTC - FTC File No. XXXX - as far as I am concerned they are still practicing what they were sued for. 
Thank you - XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: We applied for a personal loan through Wells Fargo. The agent was more concerned about getting us to sign up for additional services and when we were not interested, our request for a loan was mysteriously rejected. 

The paperwork that Wells Fargo provided did not provide the credit bureau that the request was processed through. They would not provide any information as to why were denied and we were only referred to XXXX XXXX. 

We both have good credit scores, and we were able to go to our bank and be approved for the same amount immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: I asked for initial application showing where i signed for this debt non produced.The debt collector stated the name as XXXX.My name is XXXX.Im currently XXXX i didnt open this account i think the info is mixed up.Please delete off my report.Im currently qorking with debt doctors and filing bankruptcy.I have no success to get off my credit 

Company response: Company chooses not to provide a public response
Consumer complaint: Sometime XX/XX/XXXX my wife applied for and was issued a credit card in her own name XXXX my name not associated ) from XXXX Bank XXXX perhaps their predecessor, XXXX XXXX. This was during the freewheeling credit period when banks were issuing credit cards to babies, names from tombstones and to family pets. Subsequent to the issuing of the card the account was sold many times to, among others, MBNA, XXXX XXXX, XXXX Bank, Bank of America, and ultimately FIA Card Services. At some time during all these sales someone interjected my name as XXXX the owners of the account. My wife subsequently filed bankruptcy against the debt. FIA Card Services is now attempting collect this debt from me. I have spoken to and written to FIA Card Services on a number of occasions explaining their error but they refuse to acknowledge the mistake. I have asked for any documentation they may have that would associate me with the account such as a credit app or my signature on any purchase receipt or any other documentation they may have. They have replied on more than XXXX occasion that they are " unable to locate the item ( s ) '' I have requested. Even though they have no valid reason to associate this debt with me FIA has reported this misinformation on my credit report and is now trying to extort money from me to satisfy this debt. 
FIA has admitted that they have no documentation to associate me with this debt and yet they continue to report this damaging information on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: On a daily basis we continue to receive calls from a company named Focus Receivables at XXXX. When we answer, they either hang up or we have to wait until were transferred and request we 're taken off the list, which they say they will do but do n't. When we do n't answer, a recording goes on that says someone else 's name - it 's mushed and says something like XXXX XXXX or XXXX something, and says a case has been filed against this person for dept. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have a XXXX XXXX credit card through Wells Fargo. In XXXX XXXX, I purchased furniture under a 12-month interest-free promotion and paid it off in XXXX XXXX. In XXXX XXXX, I purchased additional furniture under another 12-month interest free promotion. My balance is {$340.00} and the promotional period ends in XXXX XXXX. My minimum payment due is {$130.00}, which would cause me to repay the loan in full by XXXX ( instead of enjoying the benefit of interest free payments with a minimum monthly payment of roughly {$65.00} until XXXX XXXX ). Wells Fargo is alleging that the furniture store set the promotional balance, and they they calculate my minimum balance differently. This practice is deceptive. I was promised the ability to make payments for 12 months interest free, but if I do n't make the minimum payment I will hurt my credit and be charged all of the interest I have saved so far. This is deceptive and misleading. 

Company response: Company chooses not to provide a public response
Consumer complaint: My PEAKS loan ( 1st Associates collects on the loan ) is in default. I have made an agreement to pay {$80.00} a month but havent been able to due to other debts. Now that I have cleared smaller debts I 've attempted to keep good on my word and make my first payment. Instead of talking to someone I attempted to pay online with my debt card. That option was unavilible for me. Next I tried calling in and paying over the phone. After putting in my information I was " directed to a customer service rep '' 3 times but instead of talking to anyone I was sent to the main menu. 

I defaulted on my loans due to unemployment and only recently found a job. Had PEAKS or 1st Associated helpped me when I was unemployed and not just during my grace period I may not of defaulted. This is my 2nd complaint reguarding this company. I still till this day do not know who owns this debt and am frustrated when attempted. I do not want my wages garnishedI just want to bring my account current and stick to the $ XXXX monthly plan we agreed on. Not be fooled with when I attempt to pay or get the run around. I dont need a rep telling me what I owe. I already know! I want to and need to pay what I can and pay it either other phone through the automated system or online. I called twice on XXXX XXXX around XXXX CA time. I dont have a check book and will not be sending checks. Using my debt card is far more convient and prevents the hassle of waiting on an echeck or on pending fund being pulled from my bank account. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Repeated attempts to get us to pay for a service that was cancelled in XXXX. XXXX XXXX franchise claims they do n't have a record of the cancellation request. Their " debt collector '' will call from various numbers with different area codes frequently ( on XXXX occasion XXXX calls within XXXX minutes ). 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: They keep calling me at work, my cell phone, my family, and friend. 
They call many times of day. 
I do n't want to lose my job over this. 
They threatened my son. 

Company response: Company chooses not to provide a public response
Consumer complaint: statement is attached with this complaint. 
bank charged multiple overdraft charges, they cleared the larger checks first and pushed the account in to overdraft, they did not pay the lower amounts first. i should have been charged overdraft fees only once, rather than multiple times. i believe this is creating you to pay too much extra money. they have unjustifiably charged me about ten times the fee. also they charge extended overdraft fee. 
this has been happening for several years, i have talked to the bank on multiple times, they continue same practices. this is very negative and detrimental to consumer. 

Company response: Company chooses not to provide a public response
Consumer complaint: We went through the whole process and I got the final approval. However, in the final paperwork I found out that my fees increased by {$2600.00}, and there was no notice or communication from my loan officer. When I finally got hold on my mortgage officer ( on the day I was supposed to sign ), she explained that the change is due to the fact that my property is formally considered a condo, not a townhouse - and it 's my fault that I did not know the difference and mislead them. 
In my case, the lender knew that this was a condo from the appraisal report that came 20 days ago. 
Looking back, I realized that the lender never gave me the actual rate lock document, just the itemized fee worksheet. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I am doing a short sale and this was being done with HAFA. This is a backup buyer because the last buyer walked. We submitted everything exactly as it was previously approved and now WellsFargo is saying that the investor will not give the correct amount to the XXXX lien. It is very clear what the XXXX guidelines are, my agent even sent them the guidelines but they refuse to work according to those guidelines. After waiting all this time they declined my application. I need the relocation assistance to move from my property and the XXXX lien will not take the amount they are offering because they know the guidelines as well. They just approved them to get XXXX with the last buyer and now they want to change their mind. If they are going to benefit from HAFA and the incentives they get for working with it they should follow the rules just like I have to. 

Company response: Company chooses not to provide a public response
Consumer complaint: Paid Late by Insurance Company 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A company by the name of Arnold Scott Harris, PC ( XXXX ) is attempting to collect a debt that does not belong to me. I 've asked them to provide proof of debt with my signature which they have failed to do. Arnold Scott Harris, PC has been notified to refrain from contacting me, yet they continue to call daily. I am unfamilar with the debt stated in their letters. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Saw runs of my credit not authorized by me 

Company response: Company chooses not to provide a public response
Consumer complaint: This collector called my dad and asked for my phone number and other information, My dad is on the Do Not Call List. He would not give them any info, and they became pushy, rude and forcefull. My dad had to hang up on them. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Specialized Loan Servicing ( SLS ) assumed our loan from XXXX Bank but failed to notify us of the change. Our loan payments continued to be made to our XXXX checking account per the agreement agreed upon when the loan was originated. SLS falsely reported XXXX late payments to the credit agencies greatly harming our credit. I have contacted SLS on numerous occasions and they are unwilling to correct this wrong. Their continued delay continues to cause great harm to my families well being. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was contacted by XXXX XXXX with Common Wealth Fin. Systems regarding a debt from XXXX 2009. I undated all of my information with her and verified all she asked. I then asked questions, what XXXX was I seen in, what doctor treated me, etc. She stated she could only provide the information through email. I told her I only had a work email and could not proved it and asked how could I get the information I needed to verify I owed the debt. She repeated only through email and I once again explained I could not provide my work email for this matter. She began to get irritated with me and told me I was being ridiculous, and created an email only took two minutes. I told her not to speak to me that way and explained I was trying to help and get this matter resolved. She then hung up on me. I called the company back and was transferred to her. I told her who I was and why I was calling and without speaking, she hung up on me again. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My attorney has been continuously trying to process a short sale of my home with Wells Fargo. Despite several phone calls and emails to Wells every single day, Wells continues to not respond and then a few days closes out the file due to " missing documents '' even though they never tell us what is missing. It seems as though they do not want me to short sale my home, they would rather foreclose on it. They have been impossible to work with and continuously avoid our phone calls and emails. Please help before I get foreclosed on. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX XXXX I started the process of a loan modification. I was assigned a Case Mgr to ensure that all documents were signed and received in a timely manner. In XXXX XXXX, I was advised that the modification was declined and they stated that " They could not prove my residency ''. I was very confused as to why they declined for the reason, so I sent a letter providing proof of my residency, 6 months of bank statements etc. So the process for the loan modification started over again or so I thought. Bank Of America has stopped responding to me, I 've submitted letters ( I have proof of the letter ) and I have also contacted the investor HUD to ask for assistance. We are not getting anywhere at all. I really need HELP. My husband is a XXXX American Veteran we really need help. Bank of America 's connection history is not great .. I really need help. Apparently Bank Of America realized that bank in XXXX they made an error in recording my previous modification with my county recorders office and Bank of America has placed a stop to my modification process because due to their error. I do n't feel its fair to me because they made a mistake. 

Company response: Company chooses not to provide a public response
Consumer complaint: While attending XXXX I took out a student loan with RILSA ( Rhode Island Student Loan Authority ). I recently heard in the news that XXXX under went a lawsuit based on late fee 's they charged. RILSA is charging 6 % of the payment that is due. I feel that 6 % is excessive, as it equates to roughly 10 % of my yearly interest. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Seen address, phone numbers and public record that are not mine. 

Company response: Company chooses not to provide a public response
Consumer complaint: I keep getting harassed by a company called Sunbelt Credit ( XXXX ) for debt that I have absolutely NO affiliation with whatsoever. On numerous occasions, I have spoken with the Manager who states that he is removing my number ( XXXX XXXX # XXXX ) but never does as the calls persist. They have no right to continue to bombard me with an issue to which I have absolutely nothing to do with whatsoever! 

Company response: Company chooses not to provide a public response
Consumer complaint: Barclay closed my Barclay XXXX MasterCard account XX/XX/XXXX, and sent a letter indicating the following : " We have recently conducted a review of our accounts. Following this review, we regret to advise you that we are unable to maintain an account with you because of your history of account usage. Your account has been closed in accordance with the terms and conditions of the Cardmember Agreement that governs your account. '' This sudden closure of my account came as a surprise to me and I am very upset as I had XXXX Barclay Arrival points ( worth approximately {$2900.00} in travel expenses ) in this account that I can no longer access because the account is now closed. It is truly disheartening to have worked so hard to earn those points, only to lose them in such a shocking and abrupt manner. I have been a Barclay 's credit card customer XX/XX/XXXX, and I am disappointed with the manner in which they have closed my account. My expectation is that Barclay should have at least notified me about what I had been doing that was unsatisfactory, so that I could have taken the necessary actions to avoid being closed. Instead they closed my account without any warning. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had XXXX medical bills that were extremely high to pay. I was told to submit an application for financial assistance. On XXXX separate occasions I was contacted by letter being advised that they needed some additional info., which was provided each time. The process took quite some time, but it was eventually processed, and during this time I told time that I would pay what I could, which I did. During this time the health center 's billing dept. turned this acct. over to collections ( SCA ) and they took little to no time placing it on my for credit report. After my application was finally reviewed and approved, the bill was retracted and adjusted. The health facility took full responsibility for their error and retracted the bill, so when I call SCA they said the balance had been taken care of and that I owe {$25.00} which they were advised was already paid, they said they never posted anything on my credit report, which was n't true, I told the gentleman that I 'm sitting here looking at my credit report. The next day I called back and spoke with another rep. and was told they would be updating their information on the XXXX of the month, well here it is the end of the month and no update, the acct. still shows as being in collection, status is still unpaid and acct. still open. This has been a total waste of my time dealing with them and they clearly do n't care and have dropped the ball pertaining to my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband has a bill from a hospital. I am not a guarantor or responsible party as far as hospital is concerned. Debt Collection company added me on the bill and is reporting to Credit Reporting Agencies that i am in collection. They said California is a community property state so my husbands debts are mine also and they wo n't take my name off. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Please take cooperation that telling XXXX. Senators that I was not happy with US Bank which they turned me down as they refused to offer me in reward {$120.00} for new bank account at XXXX XXXX. US Bank does not like me to get reward {$120.00} as they do not like and do not welcome in their XXXX XXXX XXXX XXXX. Male Employees do not like my appearances as they said me that I was too ugliest and dumbest gentleman who wrote my complaints to Consumer Finance report so please forward to XXXX. Senators at emergency orders! Tell XXXX. Senators that I do not fit in Oregon resident noted to Male Attorney at immediate action! Tell ME from Male XXXX Attorney in confrontation person XXXX not phone ) at requests. Thank you for not appreciated with XXXX Bank and U.S. Bank turned me down in their discrimination addresses messages to Male Attorney. Thank you for not appreciated with XXXX Bank and US Bank noted to XXXX. Senators in serious charging matters! Please follow up release to Male XXXX Attorney appoints me with male attorney through court requests. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was on the site of another merchant when they had a tab for " free credit reporting ''. When I clicked on the tab I was told this was not free credit reporting and my credit card was charged at least {$1.00} with transunion with my debit card from XXXX ending in XXXX associated with checking account XXXX.and possibly will be charged again in the future. I already have similar services with other companies. I want this cancelled and my {$1.00} refunded and not to be charged in the future. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXXTIMES THE COMPANY EXPERIAN DOES NOT GIVE A CREDIT CREDIT REPORT. 
WHEN I SENT DOCUMENTS THEY REQUIRE I GET NOTHING. THEY ARE DOING A MONOPOLY AND NEED TO BE INVESTIGATED BY OUR DEPATEMENT OF JUSTICE AND THE C. F P .B.PLEASE GET AGGRESSIVE AND TALK TO A HIGH RANKING SUPERVISOR. THEY KEEP GIVING EMBEDDED ANSWERS AND EXQUISES ... 

Company response: Company chooses not to provide a public response
Consumer complaint: I attended XXXX XXXX in XXXX, Ca and had private student loans through Genesis Lending Services ( that have now been taken over by XXXX ). I want to verify if my loans should have been a part of the settlement made in XXXX 2015. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I am filing a complaint since Experian has ignored me several times in providing verification documentation that their company has on file for the accounts I disputed. It has been well over XXXX day and since they can not verify, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter ASAP. 

Company response: Company chooses not to provide a public response
Consumer complaint: TransUnion is adding a Personal Statement to my credit report with no supporting documentation, rationale or directive. 

1. Transunion - please provide your rational for adding the following statement to my report. 
" Statement added because consumer was a victim of true-name fraud : # XXXX # XXXX " 2. After you have provided the reasoning for adding this details, delete this unsupported document. 

Company response: Company chooses not to provide a public response