AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: The monthly statement lists the New Balance Total, Total Credit Line and Total Credit Available. I have not accessed the credit line in years but called today to request money from the credit available. I was told the account was closed and I could not access any money. 
The statement is deceptive and misleading. All this time I considered that available in the event of an emergency. I call today and only need XXXX of what is stated as available and told no, there is no credit available. 

Company response: Company chooses not to provide a public response
Consumer complaint: My Student loan was permanently discharged, on XXXX XXXX, XXXX with a 3 year moniterng program, I have complied with all the requirements as stated in the letters from the service loan company XXXX. The last report for income was sent to them on XXXX XXXX XXXX, that would have been the last of the monitoring time. I have also received a XXXX form for the IRS. I am permanently XXXX, and have been since XXXX XXXX. Up until that time I paid the loan and was current and up to date. I now have received 2 collection notices from Windham Professionals stating that I owe the XXXX these loans, I have spoken to the head of collections at Windham, she suggested a 3 way conversation in which I agreed to after I spoke the Total and Permanent XXXX servicing unit. I was told by the servicing unit the loan was discharged on XXXX/XXXX/XXXX. And that I should NOT have gotten a Collection notice from Windham. According to the 3 way conversation Windham was going to e-mail a form to XXXX stating that the loan was permanently discharged this was my understanding. As of today 's date nothing has been solved it has gotten worst. Windham has sent me another demand for payment, and in speaking to XXXX they said that they filed to have the paperwork returned to them for discharge, from the XXXX XXXX said that they have not gotten the demand for the return. XXXX said that they can not send for the demand again for 150 days, this is absolutely in my opinion a scam from the pages of a book called " Nightmare in XXXX '' one agency is trying to say the other agency is at fault and the loan servicing company XXXX is trying to blame the consumer with neglect, when in fact I have all my paperwork to them. Also my credit report is in a shambles because of their neglect in not handling this matter correctly. I would like to know if there is anything else that I can do or say, in allowing this to take place. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau XXXX CFPB XXXX, which was subsequently turned over to the Federal Trade Commission-FTC, complaint # XXXX. The complaint was based on the fact that American Collections, called my residence several times and requested my social security number and my address over the phone. I refused to provide the information and in turn requested that they provide me with written debt validation as required by the Fair Debt Collections Practices Act XXXX FDCPA XXXX. After repeated requests to the collection agency to provide written debt validation, I filed the complaint with CFPB. When I did n't hear anything else from the company after filing a complaint with CFPB and did n't receive the validation required by FDCPA, I believed they were a SCAM, because no legitimate company would ask you for your social security number over the phone. It was not until I ran my credit in XX/XX/XXXX, that I realized that this company had placed a collection account on my credit report for some type of medical bill. 

Upon learning of the collections on my credit files, I contacted the credit bureaus in XX/XX/XXXX to dispute the account. After a thorough investigation, the credit bureau deleted the account from my credit report in XX/XX/XXXX, because the debt collector failed to validate the debt when contacted by the credit bureau. 
At this time, I am submitting another complaint against American Collection based on the Prohibition of Unfair, Deceptive, or Abusive Act or Practices in the Collection of Consumer Debts. On XX/XX/XXXX American Collections appear to be threatening to start this harassing cycle all over again. They began calling my house again, but to this day have never sent any written verification of this debt. I have gone through the proper process of disputing this file and getting it removed from my credit report and they continue with the abusive collection processes of asking consumers for the social security number and other pertinent information over the phone. These illegal tactics have jeopardized my ability to attain an acceptable credit rating after XXXX years of flawless credit. 
In addition to filing this complaint, I have mailed ( return receipt XXXX a letter to the creditor asking them to mark any submission to the credit bureaus or other parties as disputed. 
In my previous complaint, I was told by CFPB that you could n't send my complaint to the company because they had not been registered by CFPB and that my complaint had been forwarded to the FTC and entered into the XXXX. At this time, I am asking CFPB to register American Collection to ensure proper handling and adherence to consumer protection policies and procedures. I am also asking that CFPB and/or FTC contact the company and required that they stop harassing me and to remove any derogatory markings from my credit files. In addition, I am asking that CFPB take the necessary actions with FTC to investigate American Collection for violations of FDCPA and UDAAP. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX accounts in collections were paid in full, but still showing as open/unpaid on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been having issues trying to upload consumer disputes with Experian through their online website it has been an ongoing issue trying to upload disputes and without a doubt feel that Experian is deliberately turning their portal on and off making it very difficult for consumers to file their disputes online. I am certain that XXXX if not XXXX of other consumers are having the same problems with Experian and making the same complaints. 
Please look into this urgent matter regarding Experian 's unethical practices they are in violation of the FCRA depriving consumers of their Rights under the FCRA to initiate disputes online. I have also spoken to a XXXX XXXX law attorney whom stated to me that he is receiving many calls from consumers reporting the same issue with the online upload disputes. 
I have attached all my identifying information to prove who I am and Expeian makes it impossible for me to make online disputes. Please look into this thank you! 

XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Received a voicemail from a woman asking me to call back about a debt, but did n't identify mini Miranda, nor who she was looking for and my outgoing voicemail message does n't identify anyone. 

Company response: Company chooses not to provide a public response
Consumer complaint: We leased a vehicle with ALLY Bank, that was mistake # XXXX. Here is what happened. My wife drives our XXXX children to school every morning and uses the XXXX lane. And according to the US Department of Transportation Federal Highway Administration, children count as passengers. Apparently one morning, a police officer must not have been able to see the children in the car, and instead of pulling my wife over ( and realizing there were XXXX people in the car ), he just took down the plate number and sent a summons. 

Here is where the problem begins ... .because it is a leased vehicle, the summons went to ALLY Bank, not to me. So we had no idea this happened. Months go buy and I get a letter in the mail from ALLYthat I owe the summons amount and that they are about to pay it for me. So I immediately call them and tell them not to pay the summons becuase we need to fight this because we never touch the XXXX lanes where we live except to go to school with the kids in the car. 

Fast forward a month or so and I get a bill saying that I owe ALLY for the summons and I called again and said what about us fighting this? ... we definitely didnt break any rules and this is when Ally 's horrendous customer service kicked in. I must have called and spoken XXXX different people and every one of them had a different answer with the last volatile person telling me that it is too bad, you have to pay it because we paid it for you. Again, I repeatedly told them not to pay and to fight it. It isnt even about the money, it 's the prinicpal of the thing. 

So because ALLY Bank is lazy and no one on their end wanted to do their job, I am stuck with a fee that I should n't have to pay but they threaten to go to a collections agency to mess up my credit. This is unfair and shouldnt be how people are treated. Obvioulsy this bank lost a customer for life. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian credit reporting agency send back a letter saying suspicious request in the mail, will not delete if disputing again same information. I had send personal information that they ( Experian ) requests to verify consumer. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a mortgage from Bank of America. But they lost it for three years oresoso. They wanted {$100000.00}, I could not do so, and they foreclosed. 
I tried many other Banks and help. No good. 
They bought XXXX XXXX mortgage in a heart beat. I was out! 
This is a terrible Bank 

Company response: Company chooses not to provide a public response
Consumer complaint: I missed a payment during XXXX 2015 and my account became delinquent. During this time, I was being treated for a medical condition that had me out of work and my covered by the Family Medical Leave Act for over XXXX months. During this time, I underwent multiple outpatient procedures and was heavily medicated. After my treatment concluded, I tried to get my affairs in order with all my credit card accounts. I contacted Macy 's to advise them of the matter and a young woman took the better part of an hour to help me with my account. She had to check with her chain of command and was able to waive the late payment fee and the interest charged to the account. I specifically asked if this would be reported because my biggest concern was the impact to my credit. She confirmed that removing the fee and interest would remove any delinquent status from my account and that I would not be impacted due to this change. 

I am now in the process of refinancing my house and see that Macy 's is reporting on my credit. I called to speak with their credit bureau team on XXXX/XXXX/15 and was told by both a rep and manager that no changes would be made. I informed them that I was previously advised that the reversal of the late fee and interest would not impact my account by the person who helped me. They both said that no one in the credit collections department would ever tell me that. I informed her that other credit card companies I spoke with ( XXXX, XXXX XXXX, XXXX, XXXX XXXX all updated my accounts so that any delinquent status would not reflect due to my medical emergency and treatment. The manager stated that Macy 's Credit Card company policy is NOT to make changes to accounts with late payments because they do view a medical emergency and treatment as an excusable event for not making a payment to their account. I asked for the matter to be reviewed since I was specifically told the account would not reflect delinquent or affect my credit. I informed the manager that I would be filing a complain against Macy 's for providing false information. She did not offer to review the call or research the matter any further. 

Company response: Company chooses not to provide a public response
Consumer complaint: US Bank 's XXXX XXXX Credit Card had as their featured benefit, a second award night free as their main marketing tool. After paying the XXXX Annual Fee they suddenly cancelled that benefit effective XXXX/XXXX/15. How can they collect an Annual Fee and then change the main benefit, US Bank thinks they can change the rules after the fact. When I called in and complained, they said there was nothing they could do about it. 

Company response: Company chooses not to provide a public response
Consumer complaint: transunionXXXX XXXXstatus showing collection/charge off ( should be unknown ) account was included in chapter XXXX bankruptcy filed XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I attempted to withdraw {$60.00} from a CITI Bank ATM on XXXX/XXXX/15. No money or receipt came out of the machine, but nevertheless my Credit Union account was debited {$60.00}. 

I am trying to resolve my {$60.00} problem with my Credit Union but my concern is that no ATM should be set up to charge an account when no money is dispensed. The functioning of these machines should be examined. I attempted to find someone in CITIBANK to address this but they shunned responsibility, and blamed it on the XXXX store where the machine is located-which is of course ridiculous. 

Company response: Company chooses not to provide a public response
Consumer complaint: I did not of this debtor until my wages were garnished. i then called them and explained that I was never notified. They explained the address they sent the information to and it was an address i have not lived in for over 5 years. Also, after I filled out the paperwork sent to me, they claime dthey release the wage garnishment yet my employer is still garnishing wages. So I asked for a copy of the release order sent to my employer for proof that they did in fact release the wage garnishment and they REFUSED to give me a copy and said they will not send me any proof of the release. 

Company response: Company chooses not to provide a public response
Consumer complaint: Macys uses a company called MCCS for collections of accounts that are past due but not XXXX days past due. They use robocalling and most of the time no one is there. I am not the only one who is having this issue. The phone number they use is XXXX. I consider this to be harrasing. Macys statement on the bill is " A friendly reminder that your payment has not been month 's billing period. '' In my opinion this is not ethical business practices. On XXXX XXXX I received XXXX calls. This is unacceptable and harrasing for a bill that is XXXX days past due 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX, XXXX, XXXX has contacted my nephew XXXX XXXX, My sister XXXX XXXX whom they discussed my debt and case in depth with her, and my work. I called and was met with vague information. when I pressed for information on who they were and why they are calling, the man that I was speaking to became abusive. He told me I was being sued on a " federal debt that is exempt from limitation statutes '', the account is over 6 years old. He told me I owed them {$3100.00}, his attorney fees are going to be {$3200.00} and I could settle for {$1500.00}. I stated this is not a valid debt and he informed me that I just acknowledged the debt on tape " Because this is all being recorded '' I was not made aware they were a debt collection agency or that I was being recorded. I was then informed they have 15 attorneys they will be using to come after me. Again I stated this is n't a valid debt, he told me, " Good luck with that, We 're going to contact XXXX to garnish my wages '' ( my employer ) He also told me that I am on the XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm having some major issues with an outdated, past the statue from the XXXX and unverifiable account listed on my credit file. The accounts XXXX # XXXX - Outdated and no XXXX # XXXX Outdated and no XXXX # XXXX Outdated and no verificationCredit Protection # XXXX - Not even mine I have current service with XXXX and my account is always paid as agreed or they would cancel service 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a Wells Fargo student loan that went into collections years ago. I have been on a payment plan with them for several years now paying {$350.00} a month. The statements I receive just state thank you for scheduling your payment in advance and when it will be withdrawn -- with no balance etc. The last payment was made on XXXX XXXX and paid the loan in full. I have spoken several times with Wells at XXXX who verify the debt has been paid off..I have asked for a letter they said it could take several months and they are waiting on an attorney. I never received a letter that it was paid off -- I happened to call to see what the balance was ... I called the attorneys office at XXXX and they said they have no instructions on this and referred me back to Wells Fargo. I feel like I am getting the run around and if the debt is paid in full I would like that represented on my credit report. I tried disputing through all XXXX bureaus and it is still registering a XXXX balance and still in charge off status. When I called to ask why Wells is saying until they get paperwork from attorney ( which I have mentioned knows noting about this ) they can not show a XXXX balance..If it is paid in full in XX/XX/XXXX why cant I get this updated now? 

Company response: Company chooses not to provide a public response
Consumer complaint: When I opened my checking account with Bank of America XXXX years ago, I deliberately declined to opt in for overdraft protection. My hulu payment through XXXX accidentally overdrew my account XXXX days before my direct deposit. It was my understanding that this should have been declined since I opted out of overdraft protection. A BAC customer service representative told me in writing that opting out of overdraft protection had no effect whatsoever on my account and I was penalized {$35.00} for the overdraft. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have private loans with both XXXX and Citibank and a federal loan with XXXX. My payments for all XXXX amount to {$1100.00} per month ( though only {$120.00} of that comes from my Federal loans ). I am a XXXX and only make {$20000.00} a year, and I have been having a lot of trouble making my payments and paying my rent at the same time. For the past 4 years, I have tried to remedy this situation, first by attempting to contact my private loan companies ( they claim that there is absolutely no way that they can change my 10 year repayment plan to a 20 year repayment plan, even though they currently offer the 20 year repayment plan to other clients ). They instead suggested that I could consolidate my loans through another lender, and so I have attempted to do so through XXXX different companies, first through XXXX XXXX and then with XXXX 's Bank. My father, who was my co-signer on the original loans, passed away, so it is no longer an option to apply with him as my cosigner. I applied first with my grandfather as my co-signer, and then my uncle, both of whom have fantastic credit scores and substantial income. I was turned down XXXX, based not on my credit score ( which at the time was in the high XXXX ) but based on the fact that I am a XXXX and do n't have " provable income ''. 

So, I am at my wit 's end. I can not afford to pay the sum I am being asked to pay per month while still paying my rent and buying groceries. My loan companies refuse to work with me to help me with the repayment and so I am currently two months behind. I have no desire to be a delinquent borrower, but the system has left me no choice. I 've exhausted all other options, and so I 'm praying that you might be able to help me in some way. 

Company response: Company chooses not to provide a public response
Consumer complaint: Of the XXXX agencies only Experian showed on my annual credit report that I owed money to a debt collector which I never did owe in the first place. Their website gave me an opportunity to dispute the findings so I did and a few days later they sent me the same credit report again with the word 'updated ' on it but the debt was still on the report. So I sent a letter to the debt collector asking them to tell Experian that I did n't owe any money. I waited a XXXX. I could not figure out how to find out if the debt had been removed by way of Experian 's website. It is impossible to conduct nonstandard business with Experian through their website. So I wrote a letter to Experian and included in the letter all the personal information that they needed to validate my identity including my social security number, a copy of my driver 's license and a copy of my electric bill. XXXX days later they sent me a letter claiming they had received a suspicious letter in the mail concerning my credit report and that in effect they would no longer conduct any business with me through the mail. That was a XXXX and a XXXX ago and I have n't heard from them again. My overall experience with Experian has been that any complaint that I make to them is just thrown back in my face by a computer. I think they are trying to sidestep my complaint either because it is an inconvenience for them to repair my report or because they hope to get money from me in return for repairing my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Well it all started we i ask gla to send me a copy of a lease that i sign.I spoke to XXXX and he said i had thirty days to respond to the letter that they send to my job, which i did I also told him the only way that they could have gotten my home address is by speaking to me, because the letter that was sent to me was sent to my place of employment. They still refuse to send me any document that i have requested. XXXX XXXX also told me that they have already contacted my employer and that the money will be deducted out my check which i told him to do what he needed to do. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: For the past six weeks I have been receiving daily automated calls from " The Law Offices of Maury Cobb, a debt collection .... ''. The calls are coming in from multiple local phone numbers in spite of the fact they are located in Alabama. The calls also do not ask for anyone by name ; only that their call is returned to XXXX. I do not have any debt, whatsoever, that is in collection, therefore do not find any reason to " return '' their call. 

Upon further research into this individual/organization, I have found overwhelming information that leads me to believe this is purely a scam if not outright fraud by an individual that has purchased some very old debt, often times debt that was discharged in bankruptcy or long past being collectible under the Fair Debt & Collection Practices guidelines. I also find these phone calls odd as I have never received anything in writing about anything that even resembles outstanding debt. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Received notice to collect debt, call collection services and explaned that I was retired and XXXX had fixed income and offered to pay what I could afford, which was {$10.00} a month, and told that of the {$1100.00} a month I recieve I owe {$1000.00} a month in bills, Ihave {$100.00} a month to live on I thought that resonable, they said yes I asked for letter in writing and I would start paying, they said no just start paying I said without letter or Email I would not. I repeated this offer XXXX more time to different reps. Then was put on my credit reports. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: i have tried online and through the mail to recieve my report from experian and can not get it i have tried on many occasions. 

Company response: Company chooses not to provide a public response