AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: In XX/XX/XXXX, upon reviewing my credit report ( s ), I was alerted that Enhanced Recovery Corporation had reported erroneous and negative information. I immediately sent a letter on XX/XX/XXXX requesting proof of debt under Fair Debt Collection Practices Act, 15 USC 1692g, Section 80b Validating Debts to include how the alleged amount was arrived at. After no response a month later, I sent another letter on XX/XX/XXXX and again XX/XX/XXXX. In that timeframe I disputed with the CRA 's to include XXXX, XXXX and XXXX. They returned with Enhanced Recovery confirmed alleged debt. That is impossible as they have neglected my direct requests for nearly 3 months. Finally on XX/XX/XXXX, I once again sent the request to Enhanced Recovery along with all the previous letters I sent. To this day, the erroneous and negative reporting continues to damage my credit. This is in direct violation of FDCPA and by Enhanced Recovery to continue reporting monthly is a form of collection activity which is not in compliance with FDCPA laws and they are once again in direct violation of those laws set forth to protect the consumer. I have exhausted my time and attempts to request they comply with law. It is now 8 months later and for 8 months they have continued to damage my credit. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I asked via certified letter on XXXX/XXXX/15 for a debt validation to Enhanced recovery co. for an alleged debt of {$200.00} that I owed originally to XXXX XXXX XXXX in 2012. XXXX months have past since my original request and I still did not received any proper documentation ( re : copy of last invoice from XXXX XXXX to my attention ) to support this debt. Without any response from them I subsequently reported them on XXXX XXXX, 2015 to the CFPB, Enhanced finally responded in writing on XXXX XXXX 2015 stipulating : '' Our agency request related documentation materials associated with the account from XXXX XXXX cable. Upon receipt of any materials from our client, our agency will forward the documentation to XXXX XXXX Address on file. " More than XXXX days have past since this letter and I 'm still waiting for the proper documentation validating this debt. 
They are however still reporting me monthly to the credit bureaus. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I have had a XXXX branded XXXX XXXX credit card from FIA Card Services for a couple of years. I have always paid the bill on time and in-full. In XXXX of 2015, after a string of occasions where the credit card became " locked '' due to suspected fraudulent activity, I elected to cancel the card. I phoned in on XXXX and asked for my account to be closed. Rather than closing my account, they reissued a new credit card. To my horror, I learned in XXXX that the account was actually still open and that they were posting charges to it XXXX including some, it seemed, that were back-dated to XXXX and XXXX but had never appeared before ). I XXXX again asked for the account to be completely cancelled. They assured me it would be. It was not. I then called again, on XXXX XXXX and spoke to XXXX people XXXX XXXX and XXXX in 'Credit ' ). They said " not to worry, the account was fully cancelled '' but that certain recurring charges might still post. I asked them to fully cancel and deny any recurring charges. They said they would see what they could do and would call me back. Which they never have. Now, in XXXX, the account still appears to be open with charges recurring. I feel trapped by this company ; they are clearly keeping my account open for credit purposes. And while I have been paying the bills in full, I simply want the account cancelled. I have never had this experience with a credit card company -- where they promise to take a specific action and never do. 

Company response: Company chooses not to provide a public response
Consumer complaint: I took my XXXX year old son to a XXXX XXXX medical center and I provided a legitimate form of payment. They attempted to file a claim with the insurance provider and the claim was denied XXXX which I found out when I started investigating the collections report on my credit report ). They claim to have sent statements to my home address. I did not receive any. I was never called or notified that this would be sent to collections. 

Now my credit report is reflecting a collection action of which I had no knowledge until it was on my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a personal loan with One Main financial for {$4500.00} and my payment is {$140.00} monthly or {$71.00} bimonthly. Since XXXX/XXXX/2015 I 've made XXXX payments {$71.00} and my balance is still {$4500.00}. This has happen in the past with my loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank closed my account because of " suspicious activity '' which was me going to a XXXX XXXX store to make copies and scan documents. I had to call and go over hoops in order to have my account reopened. They asked me for extended verification information even though I had done absolutely nothing wrong. Furthermore, whenever I deposit a check now to my account they intentionall add excessive delays in order to process the checks. Citibank is engaging in a pattern of harassment and unfair business practices. In addition, Citibank has taken over {$500.00} in overdrafted fees from my account just this year XXXX 2015 ). Citibank is illegally retaliating against me with their harassment and unfair business practices because I have previously filed complaints against them with the CFPB. 

Company response: Company chooses not to provide a public response
Consumer complaint: I discovered my credit bureau reflected a collection for XXXX phone service via Harvard Collections. On XXXX XXXX, I called Harvard and spoke to a XXXX to request a copy of the letter she claimed was sent to me. I had already heard from XXXX prior collection agencies, and I disputed the claimed debt with very specific and documented reasons for my dispute. XXXX at Harvard claimed she would resend the letter via fax and email and remove the item from my credit bureau. This did not occur, so on XXXX XXXX, I wrote to Harvard with copies of my previous letter to other collection agencies explaining I did not agree with the debt and inviting litigation to resolve the matter. Instead on XXXX XXXX, 2015 I received a copy of XXXX 's erroneous bills. I wrote back to Harvard on XXXX XXXX explaining the bills were erroneous and in dispute. I have not heard back, and this item remains unjustifiably on my credit bureau. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX, a Collection firm by the name of XXXX XXXX placed an inappropriate Collection Matter on my Experian credit report, for $ XXXXAfter my dispute of this Matter, it was fully removed from reporting at Experian. 
In XX/XX/XXXX/XX/XX/XXXX, the aforementioned inappropriate Collection Matter was reinserted to my Experian credit report, this time, under the name XXXX XXXX XXXX. 
I immediately disputed the inappropriate Matter once again with the Consumer Financial Protection Bureau, as I did on each occasion of this Matter ( see CFPB files # XXXX, XXXX, and XXXX ) By XX/XX/XXXX / XX/XX/XXXX, the inappropriate Collection Matter was again removed. 
As of XX/XX/XXXX, the aforementioned highly inappropriate information has again been reinserted to my Experian credit files, for the XXXX time. 
This time, it is listed under the name of XXXX, XXXX. The amount of {$540.00} is still unchanged. 
Once again, this alleged creditor chooses to continually misrepresent this Matter to a national credit bureau. 
Further, the alleged creditor and each collection agency chooses to " re-age '' this alleged account with each new round of misrepresentation. 
When it was first reported in XX/XX/XXXX, it was reported as having originated in XX/XX/XXXX. 
When it was inappropriately re-reported in XX/XX/XXXX, it was reported as having originated in XX/XX/XXXX / XX/XX/XXXX. 
And, in this latest round of highly inappropriate credit reporting, it is now reported to have originated in XXXX 2015. 
The alleged credit incident that originally occurred in XX/XX/XXXX, has now been " re-aged '' to XX/XX/XXXX, a blatant misrepresentation of sixteen months time. 
I ask that this highly inappropriate and repeated misrepresentation of factual credit data be once again removed from my Experian credit report. 
Further, if there is a way to stop this repeated cycle of blatant misrepresentation to the credit bureau, I would like to take action on that, as well. 
As always, thank you for your continued assistance in this Matter. 
Should you have any questions, or require additional documentation, please do not hesitate to contact me at your earliest convenience. 

Sincerely / XXXX XXXX XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Barclay bank is reporting an account on my XXXX credit report that does n't not belong to me. The account number is listed as XXXX. I previously disputed this with the credit bureau, and it came back as verified. However, this account does not belong to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX, a Collection Matter appeared on my Trans Union and XXXX credit reports, in the amount of $ XXXX Collection was an alleged amount owing to XXXX. 
I disputed this Matter, and it was removed from my XXXX and Trans Union credit reports, in late XX/XX/XXXX 
As of XX/XX/XXXX, the inappropriate Matter has been reinserted to both my Trans Union and XXXX credit reports, this time, under the name of XXXX. 
The amount of {$660.00} is the same, further proving this is the same alleged Matter, again misrepresented by another Collector. 
I ask that this inappropriate information be once again removed from both my Trans Union and XXXX credit reports. 
Should you have any questions, please do not hesitate to contact me at your earliest convenience. 
Again, thank you for your continued assistance with this Matter. 

Sincerely / XXXX XXXX XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I was billed {$1700.00} from Bank of America. I went on the mobile app and paid the bill using my XXXX Bank account. About a XXXX later I discovered that Bank of America tried to draft out of an old account I used to use, but have only used once in the past XXXX months. My old bank ( XXXX XXXX XXXX ) ran it XXXX and charged me {$60.00} in fees, in addition to Bank of America charging me a {$25.00} returned payment fee. I immediately contacted Bank of America and the representative told me that it was a mistake on their app and they would take care of it and I would see it fixed on my next statement. I paid for the bill that day out of the correct account and it did go through. A few weeks later when my statement came, it was not fixed, so I called Bank of America again and was told the same thing. Again, it was not fixed. I called Bank of America for a XXXX time and spoke with XXXX and superior of card financial services, XXXX who both told me that I would get refunded their {$25.00} fee, but not the {$60.00} they cost me from XXXX. I was told that even if it was their fault they were not authorized to fix it and that I should contact my financial institution myself. I contacted XXXX and was told by XXXX XXXX, who was ever so helpful, that in these kinds of circumstances, the institution who caused the problem would typically rectify it from their end, which is what I was originally told by Bank of America. I do n't understand why Bank of America, who could easily contact XXXX and fix this, would want to defraud me out of my {$60.00}. I would appreciate anything you could do to assist me in this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a sears credit card in XXXX, I was told I could use the credit card any where not just the store. It turned out I could n't, I tried using the credit card a week ago and I could n't use it. I spoke to multiple customer service representatives, who where unable to verified my personal information for security reasons after I sent the SEARS the requested documentation they needed. Many of their customer service representatives hanged up the phone on me because they refused to help me in my situation. The company lies about credit cards. The only time I was able to set up an online account to verified that I paid what I paid, that was the only time I had access to the account. Sears demands again all my information and I am not able to even use the credit card. In addition, I was charged {$35.00} fee for late payment because after days and days of calling the company to verified my information, they were rather interested in me paying that doing anything else. They did waived the fee, but it was not until I spoke to a supervisor after mostly all customer service representatives refuse to transfer me to the supervisor. The company lies and opens credit cards that are only good use in its stores, there was no information given nor terms of conditions when I open the credit card, so I do not know how much in interests I am being charges. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed an account on my credit report with Transunion over XXXX times in the last six months. I advised Transunion that the information the US Dept of Education is reporting is incorrect. US Dept of Education is reporting that I have a monthly payment of {$3400.00}. I have also disputed this with the Dept of Education. The loan amount is only $ 4K so how can you have a payment of {$3400.00}. Transunion is not verifying this information as the last time I called in to dispute was XXXX/XXXX/2015 and transunion completed the dispute and emailed me on XXXX/XXXX/2015 with no change to the account. This action is causing me to look like I have high monthly payments and is causing me to be denied credit. The FCRA requires that information reported is accurate and detailed. I plan to contact an attorney to see about possible litigation against Transunion if this is not resolved. The other bureaus does not show a payment for this account. 

Company response: Company chooses not to provide a public response
Consumer complaint: My private XXXX loan was sold for pennies on the dollar to a predatory collection agency named Capital Management Services operating out of XXXX, NY. My mom co-signed this loan, which has a balance of XXXX back in XXXX or XXXX. 

My mom received a call on XXXX XXXX XXXX, XXXX asking for personal information and money. She called me and I called this predatory agency back on the same day around XXXX XXXX. 

The woman I spoke with was very intimidating ( I 'm sure they are trained in bullying consumers XXXX. I was told I had XXXX options to pay this loan or they would go after my XXXX year old mother and did I want that to happen? By the way, I was never told what the XXXX payment option was. 

To make matters worse, I am having financial difficulties, which I explained to the bully on the phone. I said I could make a {$25.00} payment on XXXX XXXX to prove I was interested in settling this debt. The remaining payments had to be approved by a manager and I was put on hold. I doubt there was any manager approving anything because I never spoke to the supposed manager. REMEMBER-they bought this loan for PENNIES on the dollar, they are a FOR PROFIT collection agency. The girl came back on and said her 'manager ' approved XXXX payments of {$400.00} to settle the debt. I ca n't afford that. I said I could n't afford that much. Again, my MOTHER was brought into the conversation and how she could pay half and WE could call her and explain that this needed to be paid. Scare tactics and bullying AGAIN. So, I agreed to the arrangement and I ca n't afford it. 
I thought about this arrangement for days and called back on XXXX XXXX XXXX, XXXX to speak with someone who may understand my situation. I thought I could get through to someone who could work with me. I was wrong. 
The XXXX man I spoke with listened and was cordial. He had to transfer me to someone else. I got transferred to another male. I explained my situation and he listened. He then proceeded to bring up my mother. How she should help because she co-signed and how I needed to get money from her. He asked what I made a year and I said about XXXX and after taxes and insurance it was around $ XXXX every XXXX weeks, not a lot for XXXX VA area. He did n't believe me. I offered to send pay stubs. He said it did n't matter. Again, they bought this loan for pennies on the dollar. He offered a XXXX arrangement of almost {$300.00} a month for XXXX months, no settlement if I lower payments. He bullied me again. 
I want you to be aware of their predatory practices and that they use scare tactics to make a profit off of your debt. I would be happy to pay monthly if the payments are reasonable. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There was a line of almost XXXX people and only XXXX XXXX working. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a card with XXXX closed acct to open a XXXX rewards acct, had issues when trying to use card got so upset I cancelled and paid off. A XXXX card was opened ( not by me ) and I refuse to pay something not mine. XXXX sent me a letter, when I wanted proof of card and charges, telling me it was personal and confidential information. They sent a piece of psper also that was suppose to be an online conversation between me and them that states I have an XXXX ( which I do n't ) and that I was verbal ( which I was n't ) the conversation does n't even have an origination, ( from an email, phone etc ). How can they tell me it is personal and confidential if it concerns me???? I furnished info via mail to credit bureaus XXXX deleted it, XXXX is still investigating, and experian said they updated but it is still there and nothing has changed, it is not mine, I want it removed. I have sent XXXX certified letters to XXXX for proof of debt and I get nothing, I paid anything I owed XXXX and I want them to remove this XXXX fraudulent account. I ca n't upload anything but whatever you require by mail I will send. 

Company response: Company chooses not to provide a public response
Consumer complaint: It 's unscrupulous and dishonest : Bank of America emails me a credit card statement on XXXX XXXX, 2015 for the previous billing period. I schedule a transfer for XXXX XXXX, 2015 for an amount of {$25.00}, taking care of the minimum payment of {$25.00}. The transaction is posted under both my bank/checking account and my credit card account on XXXX XXXX, 2015 ... .The next statement date comes and I receive a statement, on XXXX XXXX, 2015, saying I am past due. I call Bank of America, XXXX, and get a very terrible, lackluster response : " timing is everything ... '' and they say that 'the payment was made on XXXX XXXX, 2015 so this counted towards the period before and not the period in question. ' However, as I stated, online you can select the transactions on a drop-down menu to show what took place in what period ... The payment of {$25.00} is clearly placed in the XXXX period and it is dated as XXXX XXXX, 2015. The fact of the matter, now, is that I 'm not too intrigued by Bank of America 's questionable reporting practices and their clear lack of a good -- not necessarily favorable -- but good response to the matter ( XXXX that makes sense ). At this point, yes I would like it resolved, but honestly, I would really like this matter to be looked into further for fines and penalties from regulatory agencies : I receive their bill on XXXX XXXX, 2015 and pay on XXXX XXXX ( or even on the XXXX somehow like they state ), and get punished for doing so. There is a clear discord among their system that is tremendously unfair and misleading to their customers. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX our son was involved in a bad accident that let him XXXX. After years of not being able to work full time and issues with paying medical bills and other expenses we finally in XX/XX/XXXX had to declare bankruptcy. It was not what we wanted to do we worked for years to try and avoid it. We own our home and was worried about the Chapter XXXX bankruptcy hurting out lender. Our attorney advised us that we could re-affirm the mortgage no problem due to our situation. After debating a little while we then proceeded so we could start fresh again. We kept calling our attorney who proceeded to tell us that he still has not received the paperwork to re-affirm and that we should call them and let them know so we could get it taken care of. After speaking US Bank they would not give us any info on the re-affirmation due to the bankruptcy. We did understand where they were coming from and asked if our attorney could call and get the information on the paperwork. Neither the bank or our attorney would do anything to help. Our bankruptcy was then finalized in XX/XX/XXXX and we started calling the bank to start the re-affirmation proceed since we thought if might have to be done after the discharge. After going through several people at US Bank, we finally got to a supervisor that said she could help and that there should have been know issues with the re-affirmation and that it should have been taken care of. We asked why and she stated that they dropped the ball and the paperwork should have been sent out for the re-affirmation but, it was not. We then asked what we could do and she said at this point they would have to reopen the bankruptcy to get it done. She stated that it could take up to 6 weeks. She then said that she would call us back within XXXX hrs to let us know how they were going to proceed and help but, we never received a call back. We called back a few days later but, no returned calls. This was the beginning of XX/XX/XXXX and we still have not seen any results. We did send in a letter to US Bank asking that they start sending our statements to us again but, the statements all say the same info every month. We are still behind {$1200.00}. When I went through my bank statements and what has been paid to them in the last 5 months, I show that we are ahead on our payments by about {$100.00}. We are very frustrated and no one from US Bank seems to want to help. We are trying to get back on track and loosing out home is not an option since we not take care of a XXXX son XXXX. We need our home and stated to everyone that we wanted to keep it. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are two XXXX accounts being incorrectly reported to Experian. The accounts were included in a Chapter XXXX Bankruptcy, but Experian is reporting late payments after the petition was filed. I have repeatedly disputed this item, but they continue to verify incorrect information. 

Company response: Company chooses not to provide a public response
Consumer complaint: Funding suite/ XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX # XXXX entered a credit report inquiry on my XXXX and XXXX XXXX credit reports and upon contacting them, they could not find it, and I told them it was due to someone trying to attain credit fraudulently and I did not authorize the inquiry. 

Company response: Company believes the complaint is the result of a misunderstanding