AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: This company was reporting debts on my credit report that were unfamiliar to me. After seeking legal council I was advised to exercise my right to request validation of the accounts pursuant to the Fair Debt Collection PracticesAct. In correspondence dated XX/XX/2015, the company received my demand for validation. This company simply ignored my request and did not bother to respond to me, concurrently they verified the accounts with the credit bureau following my dispute with the credit bureau. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This company was reporting debts on my credit report that were unfamiliar to me. After seeking legal council I was advised to exercise my right to request validation of the accounts pursuant to the Fair Debt Collection Practices Act. In correspondence dated XX/XX/2015, the company received my demand for validation. This company simply ignored my request and did not bother to respond to me, concurrently they verified the accounts with the credit bureau following my dispute with the credit bureau. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/15 TCF Bank reordered my transactions XXXX and debit my account XXXX for the same transaction XXXX/XXXX/15 XXXX XXXX XXXX ( {$140.00} ). 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have XXXX requested that my file be updated to reflex that the negative entry be removed. It was included in my Discharge Chapter XXXX, dated XXXX XXXX XXXX. 
Experian keeps saying that the report is valid. 

Company response: Company chooses not to provide a public response
Consumer complaint: I began a Mortage modification on XX/XX/XXXX. SPS continued losing documents and did not send a letter confirming having recieved all the documentation until XXXX XXXX. SPS did a property evaluation in XXXX, XXXX XXXX and XXXX. In XXXX they sent a letter stating that I withdrew the request on XX/XX/XXXX which is incorrtect. SPS claimed that they were going to excellerate the modification several times due to their error. The error of not prorperly precessing the modification. SPS did nothing but require me to resubmit an entire package again. SPS is delaying the modification thus forcing the boworroer to pay higher interest than with a modification in place. The borrower has been forced to accumulate high interest cost due to the slow modification process and SPS inabilty to contact the owner and inform him of modification availible for investment property in a timely manner. These factores have eroded the equity the owner had in his property and gavin it to the lender. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Enhanced Recovery Corporation for XXXX XXXX XXXX is charging {$150.00} and {$36.00} for a debt which is not mine. I dealt with both through letters and telephone calls. XXXX I provided documentation that proved that the account could not be mine. I worked with XXXX XXXX XXXX identity theft section and provided all the information and documentation they requested. 

These XXXX collection accounts are having a negative impact on my credit history. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Company is knowingly reporting incorrect amount of balance owed. Supervisor of collections account has been told many times and shown proof of amount that is owed and refuses to update account and continues to increase amount of balance owed. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I submitted an online application for a VA Home Loan to XXXX XXXX, Sr. Mortgage Consultant, Affinity Mortgage, LLC XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX , KS XXXX Direct Phone : XXXXFax : XXXXEmail : XXXXXXXXXXXXVisit our website and apply online at www.affinityhomeloan.comAnd, I would like to report them for possible fraud. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My mortgage was transferred to Green Tree Servicing in XXXX, 2015. It was at this time I found out an escrow account had been placed on the loan by XXXX ( the prior loan carrier ). I contacted XXXX and showed proof I had home insurance and they immediately flat-cancelled the policy and refunded escrow fees to Green Tree ( since they now had my loan ). Since that time I have been trying to get Green Tree to cancel the escrow and refund all escrow fees. I called in XX/XX/XXXX and they asked for copy of email from XXXX showing the insurance was flat-cancelled. I mailed that in but still no resolution from Green Tree. Green Tree has NEVER responded to me except for canned email responses which say it takes 30 days to respond. I have kept copies of all emails and letters mailed to them. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an addresses which was also fraudulently used and that is XXXX XXXX XXXX XXXX, XXXX, nc XXXX XXXX XXXX XXXX # XXXX XXXX, nc XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX # XXXX and later discoverd numberousotheraccounts as well here they areacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX opened XX/XX/XXXXNCXXXX XXXX XXXXacct # XXXX XXXX XXXX XXXXacct # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I checked my on-line account with Bank of America today and found a XXXX maintenance fee assessed.  This fee is part of BofA "updating" their checking products.  The Change in Terms (CIT) notice dated XX/XX/XXXX for that update indicated that I could avoid the fee if I met XXXX of XXXX requirements as of my XX/XX/XXXX statement cycle. I met XXXX of those requirements as of that date, a CD with a balance of at least $10,000 and a line of credit (HELOC) with a balance of $15,000 or more, so I did not think that the fee would be imposed.  I called BofA today and explained my position.  She stated that the cause was that my accounts were not linked. I stated that as far as I was concerned they all are linked as I can see them all in my on-line profile and can transfer funds among them as needed.    She indicated that this was an internal linking process and she took steps to do that with all of my accounts.  She also processed a reversal to the maintenance fee.  I am writing to make others aware that the same maintenance fee may have been imposed on their accounts despite them having met one of the qualifying requirements .
Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of 2015 I bought a Truck and my score was XXXX. On XXXX XXXX XXXX score went down XXXX points and on XXXX XXXX my score went down another XXXX points. I have call these agency 's and no one can explain the drastic change and ask me to wait XXXX months and it would probably change. My score stayed relatively the same for XXXX and for no reason it is now I am XXXX points less and there is no explanation. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have not been with XXXX XXXX XXXX for 7 years. I moved XXXX for a long time and they were told to disconnect before I left. When I moved back XXXX, I tried to get it resolved with XXXX and thought it was .... that was about 5 years ago. The collection companies just keep renewing it. It needs to be exponged from my record ... nothing is due, and I have not had service with them for 7 years. 

Company response: Company chooses not to provide a public response
Consumer complaint: A company Called XXXX of XXXX XXXX has put an Item in my credit Report. When I called them they said they cold not send me a bill to XXXX ( They say they do not send bills out of state ) and I have never received any notification from them ( they told me they sent XXXX notifications, None which I received ). The just asked for a credit card number to pay an Item that I have no knowledge of. When I moved to XXXX I put in a change of address and have not ever had a problem receiving my mail. I have never received any letter or notification or Phone call from XXXX of XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Paid annual fee of {$75.00} at US Bank XXXX XXXX credit card sign up for the promised and published benefit " Bonus Award Night - Redeem Gold Points for two or more consecutive Award Nights and the last night is free. Exclusively for cardmembers ''. However, the benefit was terminated from at XXXX XXXX, 2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: Affiliated Credit Services calls on my cell asking for me by name and then asks for personal identity information ( PII ) before disclosure of information. The phone numbers are XXXX and XXXX. I ask them for more information about the company, but only the name Affiliated Credit Services is given. Told her I would not give my address or birth date as I did not know the company. I checked my credit report and did not find any outstanding debts or complaints. She, the Affiliated Credit Service XXXX, threatened to call back until the PII questions were answered. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Paid for and completed the online process of a credit freeze with Experian. {$10.00} was withdrawn from my checking account. My account is not frozen. I can not reach a live person that is willing to help. This is a passive aggressive business practice. 

I completed the same process, the same day with the XXXX other reporting agencies ( XXXX and XXXX ) with no problem. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an addresses which was also fraudulently used and that is XXXX XXXX XXXX XXXX, XXXX, nc XXXX XXXX XXXX XXXX # XXXX XXXX, nc XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX bank # XXXX and later discoverd numberousotheraccounts as well here they areacct # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX & XXXX # XXXX XXXX # XXXX opened XXXX XXXX XXXX # XXXX XXXX XXXX ofacct # XXXX XXXX XXXX XXXX Opened XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: i keep on getting notice in mail, that i am getting garnishment, for a debit that is not mine. i keep on sending letters back to them
Company response: Company chooses not to provide a public response
Consumer complaint: I am in an active approved short sale on my home with Suntrust Mortgage. They are my XXXX lender, and are attempting to foreclose. They JUST approved the short sale XXXX/XXXX/15 -- as we have a BUYER, w/ earnest money and pending due diligence/inspection. In the SAME document, they stated that they may still go forward with a foreclosure. I can not understand why they would give us until XXXX/XXXX/15 to close on the sale of the home, yet still state that they are going to possibly foreclose. I want SUNTRUST to REMOVE ALL POSSIBILITY OF FORECLOSURE ( they attempted to foreclose XXXX/XXXX/15 and I had to go file a bankruptcy to prevent foreclosure ) and allow us to satisfy all parties : the seller, the buyer, the realtors and the bank. The realtors spent countless hours finding a real buyer with a family, NOT an investor to flip the home, I have endless stress due to the inability to be clear on their intentions. PLEASE LET US CLOSE AND MOVE ON. They will not even offer me CASH FOR KEYS so I and my family can move -- there are no funds to do that. They said they would refuse the short sale if we asked for any money from them for ANYTHING ELSE. 

Give this new buyer a chance to have this home, let me exit with dignity from a cleaned home ready for the new buyer, allow a small amount of CASH FOR KEYS TO RELOCATE and the American dream will inevitably be reached by all parties. 

Suntrust needs to be less greedy and more accommodating during this long awaited transaction. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I entered into a vehicle lease/trade-in contract with Mercedes-Benz Financial XXXX XXXX XXXX of XXXX XXXX, CA ) with a down payment of {$10000.00}. My current vehicle was surrendered and I was given the new vehicle. On XXXX XXXX, 2015 I was informed by the location 's Finance Manager ( XXXX XXXX XXXX that MB Financial had declined my application for credit, but I should not worry as he would get it approved through reconsideration. On XXXX XXXX, 2015 I received official notification from MB Financial my application for credit was declined, but again, XXXX XXXX assured me not to be concerned and it would be taken care of. At no point was I advised the transaction was pending further/final approval. Under the impression this was a final deal, I tinted the windows at a cost of {$230.00}. On XXXX XXXX, 2015 XXXX XXXX advised me he was unable to obtain final credit approval and I returned the car. When my previous car XXXX 2014 XXXX Touareg with XXXX miles on it ) was turned back over to me, I was advised there was new tires on it. As an individual who used to sell tires for a living, they were clearly the same tires treated with XXXX. XXXX XXXX XXXX offered to show me a Purchase Order, but refused to produce the vehicle 's original tires at my request. At that point I noticed the mirror control knob had been broken off, rendering the mirror adjustment useless. XXXX XXXX told me point blank " you have {$1100.00} worth of new tires on your car, I 'm not repairing that mirror knob. '' XXXX has advised me the entire console needs to be replaced, which will cost {$250.00} in parts and XXXX hours of labor to repair. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I purchased XXXX Regions Now cards and they were stolen and before I could report them stolen the thieves used up almost {$5800.00} of the {$9000.00} available. Regions has video footage of XXXX of these perps at XXXX of their ATMs in a hoodie and mask and it it quite evident he is of another race than I but Regions refuses to refund any of my loss. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a victim of identity theft. Someone used my personal information to obtain credit. I am disputing the items on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I bought a Truck in XXXX and my score was XXXX and had been that for about a year. On XXXX XXXX my score went down XXXX points and on XXXX XXXX it went down another XXXX points and no one can explain why or have a good reason for the XXXX point drop. The service reps keep trying to sell me the monitoring program and it would not have helped at all. Why did my score drop so drasticly. 

Company response: Company chooses not to provide a public response
Consumer complaint: I used Experian 's website to receive a credit report for {$1.00}, but my credit card has now been charged for XXXX months of Experian 's services at {$21.00} per month. I never agreed to obtain a " membership '' to Experian or to pay a monthly service fee for that membership ; I never received any communication from Experian to inform me I would be enrolled as a " member '' and that I should expect to pay a monthly fee of {$21.00} ; and I never saw any information about these pending charges on the Experian website when I obtained my {$1.00} credit report. When I spoke to someone at Experian, she stated that she can only refund my credit card for one month of the billing. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a charge account that is control by Wels Fargo where I had a balance of XXXX and a XXXX charge of interest had been added to the account. I have not been receiving the bills and I have been telling them that as well. Every time I talked to them they said my address has been corrected and I still never received my bill. Now that they say the terms have passed they say I owe the total amount of interest on the account. I tried to explain this to them but they did not care. They said it was my fault and that I owe them the money. I have paid the remaining balance the XXXX. I do n't know what to do, this seems like it is fraudulent on their part. How can XXXX be add to an account with a balance of XXXX? 

Company response: Company chooses not to provide a public response
Consumer complaint: Got a copy of my credit report to purchase a home while I was looking over my report I noticed a bill that was sent to collections from where I was a victim XXXX XX/XX/2013 I reported the accident to the XXXX law firm where I had filed a lawsuit against the insurance company XXXX law firm was very well aware of all XXXX that I received treatment from the law firm charged 40 percent of the settlement money which I was not told up front on how much they would receive after being released from XXXX hospital that is when I contacted XXXX law firm they where responsible for handling all my bills which incurred from the accident the XXXX law firm recieved more money than I got from my settlement check which I finally got my part of the settlement check last month to make a long story short they did not pay my hospital bill XXXX in which I just found out about it XX/XX/XXXX from my credit report in the amount of XXXX dollars my attorney was responsible for taking all my XXXX bills that occurred XXXX an paying them from my settlement money why they were so eager to get 40 percent of my settlement money they did not pay the hospital that I recieved treatment from and by them not paying the hospital they sent the bill to collections in which it has caused me hardship by lowering my credit score in which I have been working hard to repaire since last year so by my attorney not paying that bill it lowered my credit score which caused me not being able to obtain a mortgage loan when I contacted the number I got off my credit report to find out why I owed XXXX that's when I was told who the company was an the date of treatment and what the reason for treatment was from so that's when I called the billing department XXXX with the account number I obtained from the collection agency am I explained to the lady in billing that I was not responsible for those charges that they put in collections she refused to finish hearing what I had to say an told me I am responsible so that's when I hung up an called the XXXX law firm to speak with either XXXX because they are the XXXX people that I had to stay calling about my case I only met with someone from the XXXX law firm XXXX an that's when they came to my house XXXX they only called me a total of XXXX times since XXXX any other time I always had to call them to check on the progress of my lawsuit an then when I called they where never available I usually had to wait 2 or 3 days to hear back from them an the longest I had to wait for a response was like a week and a half anyway I have a bill on my credit report and a lot of inquiries that I did not authorize on my credit report as well as XXXX addresses that I have never lived at and numerous phone numbers that is an was not used by me as a form of communication and I need to know how to let someone know that I have mis leading information on my credit report. Thank you for your time and patience.
Company response: Company chooses not to provide a public response
Consumer complaint: My original unpaid principal balance is {$150000.00} but my current unpaid principal balance is {$150000.00}. My loan is current and i have never missed a payment i dont understand how my balance could be going up unless i have a negatively amortizing loan which i do not. I have a FHA loan with a fixed rate of 4.2 %. The servicer is pennymac and the loan number is XXXX and they have been non responsive to my inquiries on this. I am very concerned. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: My father passed away on XXXX XXXX, he did n't have much when he died but had a couple of small accounts, including an IRA with Bank of America - we have been trying to close out that account and collect the small amount of money for XXXX months. We 've supplied a copy of his Will, letters of testamentary, Small Estate Affidavit, and death certificates, still to no avail, I even sent a letter to their President/CEO. We have gotten the same standard reject letter XXXX times, saying they need legal documents, we call and they need XXXX item filled out on a form. Then the next reject letter comes, and repeat, XXXX times. My in-laws are worth a lot of money and have pulled their money from this bank, horrible customer service, horrible procedures, just a horrible bank! 

Company response: Company chooses not to provide a public response
Consumer complaint: To Whom it May Concern, Enclosed is documentation regarding our dispute with Ally Bank. We had a 36 month lease agreement with Ally on automatic bill pay with our bank. Ally bank took {$99.00} out of our account for the last payment so we assumed that was the balance due. Then we got a bill claiming the balance due plus late fees which we paid. We tried to get them to waive the late fee. They refused. Then we received a bill for the XXXX ding in the windshield. We asked them for a receipt as our insurance company said they would pay it. They refused to give us a bill. Now they are adding late fees to the billAttached is the documentation. 
Thank you for any help you can give us, XXXX XXXX 

Company response: Company chooses not to provide a public response