AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I had called to change an address of a nonprofit organization I am operating. They then changed the address of all of my other linked accounts that can be viewed online including my personal home address. This information was also submitted to all credit bureaus and I was getting notices from them that there is a change of address. I was told they can not resolve the issue on the phone. When I informed the bank about the mistake and requested to get this straightened out, it took them nearly 3 months to fix this simple issue and only after numerous emails requesting this. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was called by a debt collector yesterday and said if I did not call him he will serve me with a letter of intent .And also he did not say what the name of the company was.So I called back and I say what the debt was for he said XXXX XXXX XXXX and he said I had broke a 2 year contract and the XXXX XXXX been bankrupted and out of business for 4 years.So the phone number he called from was XXXX and so I had told the representative that I can not afford and I am on social security XXXX but, I did had a 1 year contract not 2 and he had the last XXXX digits of my social security number.I had told the representative to set up a payment plan and he wants the money immediately so I had gave him a debit card number I do n't use so he can get off my back. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: They have been calling my cellphone after I repeatedly told them i am at work and they cant keep harrassing me sometimes its a machine sometimes a live person they call say something and hang up. U was told because i couldnt post date a payment i wasnt allowed or qualified for a special program and i didnt have the right to call in on my pay to make a payment on my own they refused to stop the calls and refused to remove my number 

Company response: Company chooses not to provide a public response
Consumer complaint: The debt collection company name National Credit Systems has failed to provide any proof that i lawfully owe the debt in question nor any letters in writting stating who they represent. I have requested in writting as well as verbally and through the XXXX for such information. On each time that i have spoken to this company on their recorded calls i have stated i am willing to pay a debt i owe once i receive written documentation. Every time i have called they have said on multiple circumstances that they have already sent the requested documentation wereas since XXXX i still have not received this documentation. In the most recent response through the XXXX they stated " they were in the process of obtaining the verification and mailing it to consuner ''. Im quite baffled how after multiple statements on their recorded calls they stated they have already mailed out such coorespondence but now after taking matters further have to locate such verification. I have reached out to the origional creditor as well during this process to obtain any information regaurding account wereas it was told to me that they were bought out by a new management company and no longer have prior records. I have been attempting to resolve this debt but I as a consumer do not feel sending money to an unidentified company to a XXXX XXXX in another state without supporting documentation is unlawful under any circumstances. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am victim of identity theft. Someone unknown to me used my personal information to obtain goods and services fraudulently. I did not authorize or have any knowledge of these accounts. I have contacted the mentioned collection company Financial Credit Network who are reporting this fraudulent account on my credit report and they repeatedly verified the account, ignoring my police report, statements and the fact the account is fraudulent. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I reported numerous charges/accounts and inquiries to the FTC. 

XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, applied bank, XXXX and numberous inquiries 

Company response: Company chooses not to provide a public response
Consumer complaint: I joined the XXXX and reported on my XXXX birthday. My unit began to process my security clearance and the Trans Union report comes back with XXXX line items that were fraudlently applied to my social security number by my biological mother. In order to continue security clearnance processing I need correspondence from Trans Union to show that they are investigating the fraudelent line items. They indicated that they are investigating the line items, but refused to send me written confirmation of this action. I spent over XXXX hour on the phone being transferred through multiple " supervisors '' that were unwilling or unable to complete this task. The reason varied stating words to the effect of, " We will not do that '', " We can not do that '', " Our system is n't working, you must call back tomorrow '', or " We can not talk to you ''. They attempted to change my address to the temporary Military training address I am using while in XXXX Missouri. I will need it sent to the Military installation I am training at, and not my home of record that is associated with my social security number. 

All I need is correspondence from Trans Union stating that the fraudelent line items are being investigated. 

Company response: Company chooses not to provide a public response
Consumer complaint: I run a small business and have been banking with regions bank for a few months what a huge mistake at times my account has a low balance and they take advantage by reordering large transactions over ver small ones so they can collect large fees at times a few Small transactions that total less than XXXX dollars have cost me over XXXX in fees if they would process as the items came in this would never happen this is a huge scam 

Company response: Company chooses not to provide a public response
Consumer complaint: Stellar Recovery Inc Keeps calling my cell phone too frequently at all times of the day for a debt that was a fraud account and was not my account. They need to cease with this activity 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Citibank Is violating the FCRA Laws by continuing to report Credit Card # XXXX on my XXXX credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: the information that appear on my credit report was identity theft not belong to me. According to the law it should be remove completely your investigation is not complete. 

Company response: Company chooses not to provide a public response
Consumer complaint: The information that appear on my credit report are not mine. It was an identity theft. I had sent to you the police report. it 's very clear your investigation is not complete, according to the law it should be remove completely. 

Company response: Company chooses not to provide a public response
Consumer complaint: I got charged {$39.00} for over the limit charge. I did n't signup for over the limit protection & do n't want over the limit protection. When i called the credit card company they say I do n't have a choice in removing over the limit protection. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have asked several times for verification of this debt, i have never received any actual proof that I owe any money, they still reported this account to the credit Bureaus. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was the first one in my family to attend college and nobody could afford to send me completely. I received significant scholarship funding and financial aid but still needed to take out about {$50.00} XXXX in private loans. Over the last three years, the interest has boosted that amount to $ XXXX already. This is in conjunction with federal financial aid that is well over XXXX figures. There is no way I 'll be able to support myself and I 'll have to move back home. They charged me just under 10 % interest on a loan for $ XXXX. This is obscene. I would have been better off not attending college. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had my child in a daycare and made all my payments on time. I found out that this daycare was putting XXXX removed my child from this day care. XXXX other mothers did the same. I was all paid up at this time. I was then told by the woman that owns the company that I owed dues not only for that month, ( which was paid ), but also for the following month, which I did not. I have the proof that I owed nothing more to this company and can provide this. I then began receiving collection notifications from Pacific Credit Services that increased each month. I never received any notification from the daycare - no warning, grace period, statement explaining what I owed this money for, etc. My credit report now states that I owe {$790.00} for nothing. Not only that, but they continue to re-age my account, when I have made no payments, have had no contact ; nothing. That in itself is grounds for a suit pursuant to the FDCPA. This company is absolutely violating my rights and I intend to sue this company if they do not remove this negative and illegal listing from my credit report immediately. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: The website : XXXX used by the credit bureaus for marketing only allows for electronic opt-out for 5 years and a consumer must print out and mail in a form to permanently opt-out. This is ridiculous. 
A consumer should be able to permanently opt-out of marketing online, the same as you can for 5 years. Why do they even offer 5 years opt-out? It 's a scam by the credit bureaus to keep people from permanently opting out by making it more difficult and having to mail in a form. 
I do not have access to a printer at home and this is a hardship on plenty of other consumers, I am sure. 
Thank you, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Today I received notification from my credit report that Freedom Mortgage company reported my loan to the credit report as " Account in forbearance '' when it was never late and never in forbearance. This obviously effects my credit rating and how others view my credit activity and is against the FCRA. I would like an immediate response to the issue and recommend a CFPB inquiry to their credit reporting practices for Veterans and how they are handling VA loans. 

Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I receive a mailed " offer '' of Do n't let Your Credit Limit Decrease from Home Depo. I feel this is a rather adverse action being taken towards me as I know of no wrong doing on my part. I could understand closing my account for inactivity but treatening to reduce my limit as a marketing tool to try and get me to use the card does not go over very well. I believe this company is in violation of Truth In Lending Act ( TILA ) and Equal Credit Oppertunity Act ( ECOA ) on XXXX fronts. First the " offer '' is not in an " Adverse Action '' format to include the primary reason for taking this action and if they used third party information like a credit report. Second is this action take against me imperical based on my actions or 3rd party information causing this limit decrease. I can vey much assure you I paid this account ontime for 23 months during an interest free offer when I replaced my roof. My credit has not declined as I work in the financial industry and it 's reguired of me for my position of 16-years to maintain an A+ ( XXXX or better XXXX credit score. 

Company response: Company chooses not to provide a public response
Consumer complaint: This has been an ongoing problem with Greentree Financial who took over our loan from XXXX XXXX XXXX. It started with a payment they said was not received XX/XX/XXXX. We were besieged with harassing calls, up to 10 a day from them about our late payment and they were asking for our bank information etc. It was different people every time & kept us on the phone and got increasingly aggressive in their manner. We stopped taking any calls through XX/XX/XXXX because of their harassment. We stopped payment on the check presuming it was lost etc, but refused to give these people any info, or go online with our banking information as it seemed very strange behavior. We received a letter saying THEY had received the check on time, however they never refunded us the over charge! Since that time I have been sending all payments with a flat rate envelope costing {$6.00} per month which has tracking on it. This prior month they AGAIN charged us with a late fee saying the check was not received though USPS says it was delivered 5 days ahead of schedule to their PO Box . This is a continual pattern, obviously with these lenders. I have verifying paper trail proving these above allegations. I did notify them with this complaint & all we got was a letter back saying " they were n't responsible for mail delivery. '' All I wanted was your address to send you our documentation, but this was a concerted effort to steal our personal information to do an identity theft since they never said their calls were " recorded '' etc and they acknowledge, in writing they had our payment. No other explanation seems reasonable. But their ongoing attempt to access late payments that were not late shows a blatant attempt at on going extortion. These payments put unwarranted money into their bottom line. It is not enough to pay your debts on time anymore even with proof of delivery, costing more money for the consumer. We never contracted with these lenders-why is it we have to be wasting out time, energy and money having to put up with them continually stealing our resources?? Why our these loans ALLOWED to be sold to these liars, cheats and thief 's? I reiterate ; I have a paper trail proving my allegations and my letter to them and their response. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In 2009, I was informed by Citimortgage/Citibank via writing that they were foreclosing on my home. At the time I was several months behind, as the interest rate was 9.9 % as a result of ARM increase, and I could not make the huge payment. We tried to renegotiate and get back in good graces, but they would not budge from 9.9 %. We vacated the home, and they let the property sit for over 2 years, making us liable for taxes, maintenance, etc. and never followed through on the foreclosure with the Sheriff. The property was in limbo and I do n't think they even have paperwork as the loan was sold XXXX times in one year. They bore no responsibility financially for these expenses, forcing me into bankruptcy. I feel like they stole my home, my reputation ( resulting in job loss ), and my credit rating ... leaving me in shatters. There are still claims against us to this day ... and we can not seem to fight them off. Since then, I retrained my career, returned to employment, and we have rented a home closeby, and have been in good standing with the landlord for over 3 years. However, as I continue to reflect on what happened, I feel like laws were broken, and I was a victim. 

Company response: Company chooses not to provide a public response
Consumer complaint: Ihave notice that suntrust is paying all big items that come in first, no matter when it came in and the charging me XXXX dollars for all of the smaller items. which is causing me to overdraw my account a lot this past week. i had XXXX small charges the were made way before the large transaction and was charged XXXX times 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of america has me in foreclosure. Right now BOA has summitted XXXX different original notes in my foreclosure case. The case started with a lost note count, which they submitted a copy of the note with a blank endorsement on an allonge, then over 2 years later they filed a different note that had the blank note endorsed to Countrywide, XXXX additional endorsements on the allonge, and other markings on the note itself. This note was filed in the official records, dropping the lost not count, with a sworn statement that it is the Original Note. Then months later they submitted another note, with another sworn statement that it is the Original note, that had the original blank endorsed note that was filed with the court as a lost instrument. This is clearly fraud upon the Court. After they submitted the endorsed note in their answers to my request to produce, I filed a Motion For Summary Judgement, on the no standing issues. After I filed my MFSJ, the plaintiffs submitted the endorsed note, into the official records, with notice of dropping lost note count, with a sworn statement that it is the original note. In the plaintiffs opposition to my MFSJ, they filed another note, which was claimed as the original note, by sworn statement, which was the Orignal note that they filed in thier complaint with a lost note count. So they filed a note in the official records, then filed the other note afterwards. The Judge denied my MFSJ, and set the case for trial, when I brought all this to her attention. She said they probably have a good explaination for why they have XXXX Original notes in my case. The only thing the plaintiff said was that the XXXX notes are identical, and that is a lie. I have the transcript from the hearing. I went to Court on XXXX XXXX, 2015 on my MFSJ, and on the XXXX XXXX, 2015 I recieved a letter from BOA that they are transferring my servicing rights to XXXX XXXX XXXX as of XXXX XXXX, 2015 This is just another way of getting away with fraud and forgery. I ca n't afford a lawyer, and the bank has not put anything in my court docs about any trial or anything else. So Bank of America is attempting to slide away into the darkness, like none of this ever happened. I wrote the Attorney General, and they gave me your number, so I am here to file an Official report of what is going on in our Court system. Fraud should not be tolerated in our Justice system. 

Company response: Company chooses not to provide a public response
Consumer complaint: The debt was removed from my credit report on XXXX XXXX. ERC a company which i have never heard of took over the account with a start date of XX/XX/XXXX. I have never received a phone call, letter, or an email from them stating that they brought the account. my last payment on this account was in XX/XX/XXXX which would have been the last payment and the reason it was a " removed collection ''. i have a valid debt from a company that followed the debt collection procedure and i acknowledge it, but i have never heard of ERC and i wish this to be investigated. i have copies of my credit report and XXXX XXXX was the last company that handled this and the company that removed the collection. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: this collection office uses highly illegal tactics to collect debt. impersonating attorneys, law enforcement and government officials. they try to collect more than what is owed, they threaten jail and wage garnishments, they call people 's place of employment even after being asked to not call there anymore. They do n't even bother to state the mini Miranda or monitor disclosure on any of their calls. The owners name is XXXX XXXX. the " company 's '' name is Empire Mediation Services, located at XXXX XXXX XXXX, XXXX, NY XXXX the phone number there constantly changes so consumers can not call back, but the owner 's direct cell phone number is XXXX. This place needs to be shut down. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I initially borrowed {$500.00} in XXXX 2015. To date, I have paid {$990.00}. I read the loan payments would be monthly, but they withdrew them every two weeks, which have left myself and my children short for rent, utility payments and food. This loan XXXX lacing my family at risk and I am requesting assistance with addressing this fraudulent matter. I was informed by my Financial Advisor, that Payday loans are illegal in Massachusetts. I 'm battling XXXX and need to be sure I can protect my children. Please help us. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There is a account that my mortgage loan officer found while im in the process of getting a mortgage with the creditor name Kays Jewelers that show it was opened in XXXX and its a bad debt placed for collection with the last four of the account number showing as XXXX. I 've contacted this company on numerous of occasions to tell them about this fraudulent account and was willing to send a copy of my fraud affividat and police report because i 've never had or opened a kays account and I demand this company remove this account from national credit reporting agencies and my liabilty from this account within of 5 business days of recieveing this notice. The company has ignored my correspondence regarding this issue and if they do n't remove my liability and this account from my credit reports I 'm going to file a lawsuit in the court of law on the 6th buisness day along side my lawyer for puntative damges and emotional stress in the amount of XXXX dollars if they dont get this issue resolve. Identity theft have taken control a big part of my life and i 'm not just getting things in order and I wo n't let this happen anymore. 

Company response: Company believes it acted appropriately as authorized by contract or law