AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: The Collection Agency : Eastern Account System is reporting a Medicall Bill that is not mine of {$170.00} since XXXX. I called them back in XXXX and spoke with someone name XXXX and she explained me that this bill was related to medical bill under my daughters name from her pediatrician XXXX XXXX. I explained her that I got divorce in XXXX and faxed her my divorce agreement where it clearly states that I am not responsible for the medical bills. My exwife got a new job and changed her insurance company , XXXX XXXX was unable to update her file and decided to report the bill as uncollectable, funny as we still remain my daughters XXXX. Anyway, at that time, I had to suscribe to Experian to track this resolution and yes, after a couple of months it was removed. Years later, now in XX/XX/XXXX I did realize that the bill is again back in my Credit Report, this has impacted my FICO score and I was financially affected at the time I requested a car lease. I demand resolution and an a formal appology. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I live in XXXX and I purchased a car in XXXX XXXX, when i purchased this car i recieved a bank loan from bank of the west. Everything was fine till I called the state of XXXX and asked them what I need to get my vehicle licensed. XXXX dmv is telling me that the bank is supposed to send them the title due to the title being a XXXX title, the bank on the other hand is telling me that the dmv is supposed to request a copy of the title from the bank. I 've called on several different occasions asking and the bank first told me they lost or misplaced the title. Then the bank branch XXXX called me and said they would be sending the title out soon, but two days before that i had a voicemail from bank of the west saying they sent the title out already. I 've been getting blown off by everybody i call with a different story everytime at this branch as well. The bank of the west branch is located at XXXX XXXX XXXX in XXXX, XXXX. I just need to have the bank quit telling me lies and send the title to XXXX County dmv in XXXX XXXX, XXXX and i can not get anyone to send it so i can be LEGAL driving my vehicle. the dmv will not give me a license plate until I have the title or they have it sent to them, there is no professionalism at this branch. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have genesis loans from XXXX they do n't ever send my mail but then they call XXXX times a day then when I have time to answer they tell me I 'm behind on my loans they want me to pay 400 a month and I asked if my loans are apart of the lawsuit and they hungup on me all the issue brought up in the lawsuit I have dealt with since XXXX 2012 when I started they have repeatedly said I have no options left telling me 400 a month or I will default on my loans 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Experian has improperly shared my information with collection agency law firm not for the purpose of employment or extending credit, I have been previously harassed by this law firm, who manufactured documents for claimed debt, and tried to sue me for debt released by class action lawsuit. Experian have improperly shared my information with at least XXXX such collection agencies who buy debt, refuse to verify it, manufacture documents 

Company response: Company chooses not to provide a public response
Consumer complaint: This complaint is in addition to Case number : XXXX received a Letter from Bank of America requesting more time to provide a answer regarding Lender. Not only did I get a Letter requesting more time, I also received a letter about a Loan Modification. I ca n't express enough that there will be no Loan Modification. Why?? Bank of America can not even address America 's Wholesale Lender, A Corporation existing under XXXX Law in 2007. Nor can they address the fact America 's Wholesale Lender " A Corporation '' " A Lender '' does not exist in XXXX and is not a Corporation in other States as well. " America 's Wholesale Lender '' The Lender to the deed of trust and to the Promissory Note is clearly a dba, Trademark Name, or fictitious entity. Problem is, Bank of America wishes me to believe that XXXX is the " Lender '' on behalf of XXXX XXXX Asset Backed Certificates. Trustee and Lender are not the same in this case. Especially when XXXX XXXX XXXX with XXXX has written that XXXX is not a Lender, XXXX does not own Loan or Property. Bank of America knows this is true. Therefore, I ca n't understand why Bank of America would even assume that they can just choose who they want to call out as " The Lender '' My Deed of Trust and Promissory note on XXXX XXXX, 2007 were written as America 's Wholesale Lender " The Lender '' A Corporation under XXXX Law. Bank of America how did you get standing to transfer, assign, convey to XXXX or XXXX? A fictitious entity, assumed name, is not a person, is not a legal business. According to Tax Comptroller of Texas, America 's Wholesale Lender, dba does not even have a Tax ID. OCC states America 's Wholesale Lender a DBA, Banking Commissioner, America 's Wholesale Lender, a dba, XXXX County Clerks office XXXX, Assumed name Certificate America 's Wholesale Lender dba. 
There must be a Rabbit in the Hat somewhere for Bank of America to convey property when the Lender " America 's Wholesale Lender '' is a dba name ( Countrywide Home Loans dba America 's Wholesale Lender ). XXXX denies being Lender, furthermore, I have never entered into any contract with XXXX XXXX. I have no DOT or Promissory Note which calls out XXXX XXXX as my Lender. No more time is allowed. Denied. You have no more time. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are XXXX accounts from XXXX XXXX XXXX that are reporting inaccurately onto my file, XXXX XXXX XXXX # XXXX ... & XXXX XXXX XXXX # XXXX ... I have disputed them numerous times with the agency and they refuse to correct the inaccuracies and verify the items correctly. I have asked them to delete them since they remain incorrect and they refuse to speak with me to do so. I have repeatedly asked for them to provide me proof of verification, evidence of their investigation, reference numbers or absolutely anything and they do not show me or tell me anything. I have contacted XXXX XXXX XXXX regarding these XXXX accounts and they have repeatedly told me that no one has called or conducted any type of investigation from any of the credit reporting agencies. I am concerned as to why these accounts are allowed to remain falsely reported on my file. I will complain until this is properly removed! These accounts are hurting me and contain false dates, payment histories, balances and status codes. 

Company response: Company chooses not to provide a public response
Consumer complaint: In the XX/XX/XXXX I found out about identity theft on my credit report while going through a car loan process with my bank. I have been working closely with Experian and have filed a report with the FTC, the Police Department, as well as with every incorrect collector on my credit report. The person who stole my identity had access to my information including drivers license, signature, addresses, and social security number. It has been documented all all reports that they had used both my name as well as a " AKA '' which has since XX/XX/XXXX. Some names and accounts been removed from my report since starting to fight this almost a month ago. 

While a few creditors have already given me notice that they 've removed their information from my reports XXXX companies have proven to be rather difficult. I will write a separate complaint for the other. The XXXX one called Allied Services has missed their 30-day window of validating the debit on my account. I sent them a certified signature and required letter, which I received confirmation that it was received XX/XX/XXXX. 

On XX/XX/XXXX I sent them a follow up certified and signature required letter informing them that they failed to validate the debit within the 30 days. I also informed them the account needed to be removed from my credit report in a reasonable time frame. 

Today, XX/XX/XXXX I received a phone call from Allied Services XXXX insisting that I contact them. This has prompted me to file my complaint. I specifically requested in my XXXX letter that all correspondence must be done in writing and that there I requested that no calls be made to my work or residence. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I am currently in the process of purchasing a house in New Hampshire, I was told a few months back to try to dispute any inaccurately reported accounts on my credit report to help improve my scores prior to locking in a rate. The on-line dispute section of the major credit agencies was very confusing and difficult to navigate and as a result of my challenges I inadvertently disputed a short sale ( an account that closed in XX/XX/XXXX ) I contacted the credit agencies of my error and that I wanted to retract my dispute but a report from the creditor had already been made. I was told that I needed to contact the creditor and have them correct the " last reported '' as XX/XX/XXXX as the " last reported '' date now shows XX/XX/XXXX. The repercussions of this last reported date is major, what resulted is that when my loan goes to electronic underwriting through XXXX, the software THINKS that since this was report in XX/XX/XXXX that I 'm " CURRENTLY IN FORECLOSE '', and subsequently disapproving my loan. Under the instruction of the credit agency XXXX & Experian I contacted the creditor XXXX to get help to resolve this mistake. XXXX was more than willing to help and was understanding of this error. Their credit corrections department called to the highest level at XXXX and Experian & XXXX and tried to electronically change that " last reported '' date to reflect XX/XX/XXXX, they even went so far as to supply me with a letter that reads " The " last reported date of XXXX is an update that was requested in error. There has been no activity on this loan since it closed in XX/XX/XXXX '' signed by XXXX XXXX XXXX of the President XXXX. Here is what XXXX was told by XXXX " they explained to me that it could n't be removed ( embedded software programming ) ''. I also reached out to XXXX by phone and fax and to Experian by phone spending hours on hold and explaining my situation to several managers at various levels, ultimately at the end of those calls and faxes, I was told by both XXXX & Experian despite the creditors letter, their calls, my calls, my faxes, that they are refusing or " unable '' to change that last reported date to XX/XX/XXXX. Without this correction my family of XXXX kids are going to be effectively homeless if this change is not facilitated by the XXXX credit bureaus to reflect the last report date of XX/XX/XXXX. My loan flatly will not be approved without this correction. I am happy to supply the letter from the creditor XXXX and provide contact information for XXXX XXXX at XXXX. Respectfully, I would ask you please, please help me to get this resolved as quickly as possible. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had disputed XXXX in XXXX 2014 and they proceed to delete due to inaccurate information and improper reporting. Yet recently i have found the account on my file again. this account is outdated, inaccurate, contains incorrect dates and status ' and is not reporting correct payment history. It has no place being on my file if they refuse to conduct a proper investigation to correct it. I asked the reporting agency for proof of investigation and their results and paperwork regarding how they verified it and let the account remain on my report yet i have received nothing till this day. I am skeptical and certain that absolutely NO investigation was done to verify the derogatory item. They must remove it if they can not honor my request to correct the accounts information and show me how they verified them and allowed this to be reported to my file. You can not delete something and place it back to my file months later. That is suspicious and sneaky 

Company response: Company chooses not to provide a public response
Consumer complaint: I just signed up for a PayPal Account in XXXX 2015 and used it for about 3 months then i got a email that my account was on hold. I called in and they informed me that i have XXXX other accounts that have negative balances XXXX over {$6000.00} and the other almost {$3000.00}. I am a victim of identity theft previously so i informed them of this and they told me to fax the information in. So i called FTC to get the affidavit sent to me with the pay pal accounts added to the list of accounts opened without my knowledge. I sent the information to papal and got denied XXXX times and appealing. I was told pay pal was over the federal government and that i am being held responsible for both accounts and that they are going to keep my money its almost {$700.00} in my pay pal account its messed me up and is putting all of my bills behind. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Acct closed under Chp XXXX bankruptcy in XXXX/XXXX/09 Bank of America. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been receiving several calls from this number, asking to speak with my son. I informed them that he does not live here and I would appreciate it if they stop calling my phone. I receive calls everyday from this number even after I have asked him to quit calling me. This morning I was contacted by a female representative who told me that she was working on a project with my son. I once again ask them to stop calling my number, and inform them that he does not live here. I am tired of the harassment every day. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Under a recent direct of all XXXX credit reporting agencies, on behalf of a collective effort of the Federal Trade Commission and the Consumer Financial Protection Bureau, all medical collections can not be posted on a consumer 's credit report until the following criteria is established : The consumer must be given an updated invoice by the service provider, stating that he/she has 30 days to rectify the balance personally or through insurance coverage. 
The service provider must state that the invoice will not go into a collection status until the 30-day timeline has been completed, and a specified date must be given to the consumer. A service provider can not submit a medical invoice to a licensed debt collector until after the 30-day timeline has been completed, without exception. 
If the 30-day time has passed, the service provider can at that time turn over the invoice to a licensed debt collector in the consumer 's residency state. 
The debt collector must submit a written notice of collection, stating that the consumer has 180 days to either rectify the debt personally, settle the debt amicably, or to expedite that an insurance carrier will pay the medical claim. The debt can not be posted on a credit bureau for collection until the 180-day timeline has passed, also without exception. 
I hereby state that the attached medical collection is now illegal, and that the new collection guidelines for medical debts are applied to existing collections. The old collections and their processes were not grandfathered in by the change in policy by XXXX XXXX and XXXX respectively. That means all medical debts come off my report and that I must be given a fair chance to rectify the debt through the previously mentioned criteria. 

Company response: Company chooses not to provide a public response
Consumer complaint: acct closed under CHP XXXX bankruptcy and still showing on my XXXX reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: Acct closed under CHPXXXX Bankruptcy and still showing under my XXXX credits reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: A vehicle lease reporting on my credit file was NEVER delinquent but this agency is reporting XXXX late payments for XXXX and XXXX for XXXX # XXXX. This account was never late and should not contain any derogatory lates. I have requested a reinvestigation to forward me any evidence/ proof and descriptions used to conduct an investigation and yet i have received nothing after each of my disputes and requests. I do not believe a proper investigation was done, these late payments never occurred and the furnishers would agree but they have informed me that no one from the reporting agency has verified anything with them. The other XXXX major reporting agencies are NOT reporting any lates on this account. SO how does this agency have this account reporting this way? this is not right. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a home in XXXX. According to the debt forgiveness act sign into law by president Obama that home which was foreclosed on in XXXX should not have been attempting to collect let alone claim delinquency on credit since XXXX and or show an open balance. I spoke to a bank of america representative and was assured that it was their mistake that the property showed that it was foreclosed and sold and that they would correct their mistake and remove everything from my credit report within 30 days. 30 days passed and bank of america continues to claim default on the loan stopping me from buying a new home. I took Hours out of a days to attempt to call and resolve this again and again and i keep getting the run around. I was told by bofa customer service representative that although he could clearly see it was a mistake that the house was foreclosed on and that it should not be delinquent that he did not know the disconnect and that he could not help. He stated that i would have to go to the credit bureaus to make them investigate it. I have done that but BOFA does not fix this issue when disputed. If my credit is not cleared up immediately and everything that bank of america negatively imposed on it i will take legal action. 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted a dispute letter to Experian regarding inaccurate information contained in my credit report. I authored the letter on XXXX/XXXX/2015 and sent the letter certifed and return receipt via US mail. On XXXX/XXXX/2015 I received a letter from Experian dated XXXX/XXXX/2015 stating they have determined the dispute was suspicious and not sent by me, a violation of the CRA. Experian has refused to conduct an investigation of my dispute within 30 days, due to inaccurante information contained in my credit report. I was denied a refinance of my mortgage, inorder to save in PMI of {$480.00} a month. 
Here are the accounts I have disputed : XXXX XXXX - Account # XXXX. Late reporting is not correct. 
XXXX Bank - Account # XXXX. Reporting status is not correct. 
XXXX XXXX - Account # XXXX. Incorrect late dates and amounts. 
CAP XXXX - Account # XXXX. Late reporting not correct. 
XXXX XXXX - Account # XXXX. Late reporting not correct. 
Please investigate and provide me with results. 

Company response: Company chooses not to provide a public response
Consumer complaint: I get XXXX calls per day from Bank of America 's " Loan Counciling '', which I DO NOT WANT! 
If thats not bad enough, they have also been on my property/s ( which is a big NONO in my book ) hanging paperwork on front door stating same thing ( about calling loan counsling ). They do not have my or my wifes permission to be on ANY of our properties. They also tried to charge us a fee for sending someone " out to my properties '' to hang that piece of paper on front door. Which I will not pay. 
When we answer the phone calls from the loan counsler #, so we can tell them to quit calling! You only get a recording stating - to call the loan counsler! 
We occasionally run late on our loan payments, but never more than 30days, as I get paid XXXX. We have always made our payments and always will, even thru worst of times of us/ America struggling, we have made our payments INCLUDING countless late payment fees. We even get these same calls after Bank Of America has cashed our home loan checks! 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm displeased with the complete investigation with Experian I have listed inquiries on my credit report that I have no clue why they are on my credit report. I have listed them and attached them to this report. Next, I have item 's on my credit report that was not properly investigated. These collection companies needs to be investigated on why they are even on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX and XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: An account on my file is reporting inaccurately and agency has refused to properly investigate this or do any proper investigation. XXXX XXXX XXXX # XXXX is reporting incorrect status ', dates and balances. It is not correct and I have contacted the furnishers and they have informed me that no one from the agency has called to conduct an investigation. I have repeatedly asked them to verify this account and show me why it is on my file in such a derogatory manner and they refuse to speak to me, give me absolutely any investigation results and paper work and they have not transferred any of the paper work i have submitted to the data furnishers on my behalf, which would have exonerated me. this account is inaccurately reporting and showing as open and it is badly affecting my life. 

Company response: Company chooses not to provide a public response
Consumer complaint: acct closed with XXXX balance due and still showing under my XXXX credits bureaus was also included under chapter XXXX bankruptcy. please removed this acct. 

Company response: Company chooses not to provide a public response