AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I was part of a XXXX with my ex-spouse, until XXXX XXXX, 2008, at which time I was terminated and released of all company liabilities, present and future. My ex-spouse received the XXXX as his separate and sole property in the settlement agreement. He also completed legal paperwork to have me removed from a XXXX XXXX XXXX business line of credit. The ex-spouse warranted to me that he completed and submitted a Release of Guarantor Agreement to XXXX XXXX XXXX, thereby legally removing me as a guarantor of his companies ' future financial liabilities and debts. XXXX XXXX XXXX claims they do not possess that paperwork, and sold the debt fraudulently to XXXX , XXXX, who hired the Law Offices of Joe Pezzuto in Arizona to attempt to collect the debt from me. 

I requested in writing, well within the XXXX day time frame, for XXXX , XXXX and the Law Offices of Joe Pezzuto to validate this debt, and and my request was IGNORED. XXXX , XXXX, reported a collection account to all XXXX credit bureaus : XXXX, XXXX XXXX and XXXX. It is my understanding that if the collection agency does NOT validate the debt, they are violating my rights under the Fair Debt Collection Practices Act. Furthermore, since XXXX , XXXX, has reported information that they know to be inaccurate and incorrect to the above listed XXXX agencies, they have violated the Fair Credit Reporting Act 15 USC 1681s-2 Section 623. If XXXX , XXXX attempts to pursue a judgement without validating the debt, they are again failing to comply with the Fair Debt Collection Practices Act. This is not my debt. I requested validation, which I have NOT received, yet they are continuing to attempt to collect this debt. I now have negative, harmful and inaccurate information on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted the creditor and they acknowledged that the account was in error and that I did not owe the amounts in question. I have a letter from the creditor stating the same. The creditor contacted all three credit reporting agencies to correct the information and only Experian continues to have the account as legitimate. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have an account at citibank for more than twenty years. recently they informed me that my direct deposit alone would not qualify me for free checking, so they recommended a basic checking and savings account and it must include a monthly recurring bill payment. my account was set up on XXXX XXXX 2015. The agreement ( by phone ) was that each month starting in XXXX 2015, they would make a payment to CITICARDS as installment on my creditcard. The payments are due on the XXXX of each month and they would debit the amount on the XXXX of each month. On XXXX XXXX, i discovered that they did not make my payment. I called CITICARDS and explained the situatation and they inturn, deducted the money from my checking account. I was told by the representative that a FEE will be accessed, once my new statement is generated, and i should call them, and they will remove the fee. On this day XXXX XXXX, I discovered that the FEE has been charged to my account and I called CITICARDS, told me that they can not remove the charge of {$35.00} because it 's justified, and it 's not their fault. I then contacted Citibank checking, and while they are fully aware that an error was made, they are telling me there is absolutely noting they can do. I believe this is wrong. How can i be responsible for a fee that i did not create? I would like some help. I can imaging the number of people these banks cheats out of their hard earned money. 
Thank you for understanding 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a Fidelity XXXX card issued by FIA. I have XXXX issues. 1. When I originally applied to the card, I was responding to an offer that promised a {$100.00} cash bonus upon approval of the application. I never received the account opening bonus. XXXX. The card has a 2 % cash back program ... the cash is deposited into my linked Fidelity XXXX account monthly ... .which has been working flawlessly except there was no deposit for the month of XXXX. I have dispute the points/cash back calculation with FIA but got a letter saying the calculation was accurate ... which is not possible because I have made purchases every single month ... .in other words, there was no month since I 've opened the account where the balance was {$0.00} and I should not have received cash back XXXX. I recently received a credit from a merchant ... .this was a refund against a purchase made on a different card which is now closed so I opted to receive the refund on my FIA card ... .but this has offset cash back points. This should not have happened as it is not a refund of a transaction that was originally made on this account but rather essentially a payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am receiving continuous phone calls from a creditor ( Gugliemo & Associates ) despite I am XXXX, receiving Social Security XXXX, and informed this creditor. They continue to call and harass me, and cease to stop. 

Section 207 of the Social Security Act ( 42 U.S.C. 407 ) protects Social Security benefits from garnishment, levy or other withholdings by the federal government, except : To enforce child support and alimony obligations under Section 459 of the Social Security Act ( 42 U.S.C. 659 ) ; For certain civil penalties under the Mandatory Victim Restitution Act ( 18 U.S.C. 3613 ) ; With a Notice of Levy to collect overdue federal taxes under Section 6334 ( c ) of the Internal Revenue Code ; Through the Federal Payment Levy Program to collect overdue federal taxes by levying up to XXXX percent of each monthly payment until the debt is paid under Section 1024 of the Taxpayer Relief Act of XX/XX/XXXX ( Public Law 105-34 ) ; To withhold and pay another federal agency for a non-tax debt you owe to that agency according to the Debt Collection Improvement Act of XX/XX/XXXX ( Public Law 104-134 ) 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: SunTrust has committed multiple violations of the mortgage servicing rules in regards to an application for a modification made on behalf of my client. Those violations are described in detail in the attached documents. 

XXXX XXXX, XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My name is XXXX XXXX. I am a widowed mother whose XXXX husband and myself attended Education Management Corporation 's XXXX University for a short time in 2009. I myself only attended for just under XXXX months, but XXXX claims I was there a year taking classes I have no recollection of attending. A letter I received from XXXX 's Assistant Chancellor for Student Affairs, XXXX XXXX, states in it that they charged me for a class I never attended. It also states that I never attempted to use the tutor service, which is not true, I attempted to many times with no answer. XXXX University, the online division under EDMC specifically, has had a whistle-blower named XXXX XXXX allege job placement fraud, which I can certainly say I was a victim of. Every call I made for help, I was sent to dead-end voicemails that never got answered. When I tried to leave the school, no one was there to help me with the process. My fianc, to whom we have a XXXX month old baby boy, has been making XXXX predatory schools, and we have been harassed and abused by XXXX XXXX and EDMC 's lawyer XXXX XXXX. The Department of Education keeps these schools alive that have defrauded America 's future professionals of the lives ' they deserve. EDMC only cares about money, we students are treated like a hindrance to this goal of theirs. The ED looks the other way and ignores cries for help. I have already sent letters to my Michigan AG, and the Michigan XXXX. XXXX University should never have had a license per XXXX XXXX allegations. While this case is under trial, it makes me wonder how the ED has the right under the 4th amendment to seize my tax refund, and hurt my family tremendously. I am on strike for this fraudulent debt, and if the Government illegally seizes my tax dollars again, everything will be documented. I have proof I 've found that I will send to you, and I also need to follow up and send new information to all the State and Federal Departments I have already sent letters to. Please Help, XXXX XXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I purchased a home in XXXX 2015. I needed to get homeowners insurance, so my Father went to XXXX and met with an agent named XXXX XXXX to get a quote on my behalf. My Father gave me the quote but my mortgage company was able to find me a better option that I decided to go with. A few weeks later I received a statement from XXXX. I emailed the agent and told her that my Father went to see her for a quote and that was it. I had never met her, spoken with her, or signed anything to get insurance from XXXX. I thought I had made this clear until just recently, when a collections agency reached out to me. I 'm appalled that this can happen and potentially hurt my credit 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I disputed online XXXX items on XXXX XXXX, 2015. I received a letter in the mailon XXXX XXXX, 2015 dated XXXX XXXX, 2015 stating transunion is writing in responseto my written request on XXXX XXXX, 2015 to cancel my dispute. I NEVERWROTE ANY LETTER ON XXXX XXXX, 2015 TO CANCEL MY REQUEST! 
furthermore, there is no information online regarding my XXXX XXXX, 2015 onlinedispute. 
I demand my XXXX XXXX online dispute being verified for accuracy. transunionhas blatantly violated my rights to dispute inaccurate information byintentially neglecting to reinvestigate disputed items per fcra. Additionally, they have fabricated a lie that I requested to cancel a dispute! I NEVERREQUESTED TO CANCEL MY DISPUTE! 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a {$500.00} loan from Kickstand Lending that was deposited into my checking account. I called my bank and them right away. They agreed to remove the {$500.00} from my account and stated they would remove the fraudulent inquires on my credit reports. All but XXXX has removed the inquiries. This is very degrading on my report! I have no reason to ask for a payday loan and do not want that reporting as it is fraud. I filed a few complaints with XXXX about this and they have yet to remove it. I have great credit and charge and pay my bills. I do not want my creditors thinking that I 'm asking for a cash loan of any kind. 
Can you please help me with this? I would really like it removed completely from my XXXX report. You can check to make sure it is fraud. I greatly appreciate all of your help in the past and in the future. You 're doing a great justice for many! 
I can also supply my bank statement with this deposit if necessary. 
Thank you. 
Regards, XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Company bought up mortgage from another company. As they are supposed to do, they did a escrow review, however, they used false and misleading numbers, thus triggering a refund of a portion of my escrow. I called them, and told them I believed they used bad numbers, they did n't care. Company then within 2 months did another review of escrow, this time they used real numbers, found I was going to be underpaid by a little less than the refund, and now are charging extra for the shortage as well as increased my escrow as I should. 

Complaint is that company did not handle escrow reviews correctly by using the false numbers on the first review, and if they would have, they would have easily left my escrow amounts alone, not causing me extra payment amounts to cover a self-generated shortage. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015 at approximately XXXX, I called Central Credit Servcies LLC at XXXX to make a couple payments ahead on my account. The lady that answered sounded like she had difficulty looking up my account. I had to give her my social security number about XXXX times for her to get it clear. Then she acted like she could n't find my account. I 've called before and they have it up on the screen where all I have to do is verify it. Then she said I have to CALL MONDAY to figure out what happened to my account. She asked for my account number, I gave it to her and she hung up. I was n't rude and do not understand why I was treated like this. I understand it was close to then end of business hours but had she not procrastinated, the payments would have been made. I take her actions as payment refusal and feel Central Credit Services LLC should free me from my loan. I called to make a payment and was refused. 

Company response: Company chooses not to provide a public response
Consumer complaint: 1. Electronic Payments status is complete but the funds are not subtracted from the current balance creating an account out of balance condition. 
2. Some payments are completely removed from the account ( scheduled payments, completed payments and account details ) while in process resulting in an account out of balance condition. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We have a account at Valley National bank in new jersey, we are in retire community in XXXX nj, the branch that we got our account is there n close to us the complaint is every time we deposit or transfer money from our savings to cover some bills that i see is missing the money to cover those bills including pennies they charge us $ XXXX.every time including XXXX in same day for another bill not even when i trasnfer the money early in the morning before banking hours they still charging us {$35.00} for late fees we got other banking institutions n they never charge us when we put the money to cover bills on the same XXXX hours this bank is reapping seniors of their savings like crazy i just got charge XXXX {$35.00} for XXXX bills that i put money before they open for bank hours. please stop this institution from taking money from seniors! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Contacted at XXXX XXXX EST on XXXX/XXXX/2015 from phone XXXX sears department to my cell phone at XXXX. I told the rep that I will make payment on the next due pay because I had tried to make a payment extension to avoid late fee and it was not granted so I received a late fee. Rep told me if I wanted to make an automatic payment on the due date and I said no. Rep then told me that If did not set the automatic pay I will continue getting calls. I said that 's ok I am busy good bye. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am the victim of an unlawful foreclosure by Bank of America. I filed a filed a lawsuit but could not afford to keep fighting with Bank of America and their team of lawyers. I was evicted from my home, and lost not only the house - but my life savings. I am XXXX from a XXXX and have struggling to survive. I have still not recovered from losing my house and have been renting rooms since then. 
The foreclosure happened in XX/XX/XXXX. How can I file an appeal to be included in the compensation? Surely a foreclosure in XX/XX/XXXX is as devastating as any in XX/XX/XXXX. 
Please help me in any way that you can. 
Sincerely, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I did manage to read between the lines today ( XXXX XXXX, 2015 ) on the Experian website, and it would appear that by asking for an " initial 90 day '' alert within 30 days of expiration of the initial fraud alert, then the corporation gives an additional 90 day extension ( and alerts the other XXXX ). So I did that and Experian assigned the number XXXX to my request for " initial 90 day '' alert which is actually my request for an additional 90 days to the original 90 days, but I am only reading way between the lines on if I have followed their hidden rules well enough to accomplish this first extension. What is the financial payoff to these XXXX corporations by nbot making it easy to get a 90 day extension? Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: Procollect Inc has placed a medical collection on my credit report that does not belong to me. The original creditor has contacted them and informed Procollect that the debt does not belong to me and they refuse to have it removed from my credit report. I have also sent debt verification letters and they have not responded, I have disputed this with XXXX, and Procollec has verified it XXXX times even after being contacted from the original creditor informing them that it 's not my debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed an item on my experian credit because XXXX informed me that, based on my agreed terms with them, ones my collection account is XXXX on that day, XXXX, XXXX of the supervisors will inform credit bureaus to delete the collection. XXXX XXXX account was deleted from my account on XXXX, the XXXX. I logged in my experian membership account on XXXX2015 and found the account deleted completely. Some staff at experian put the account back on as paid, and closed on XXXX XXXX. I disputed the information as inaccurate with supporting documents from the merchant, requesting experian to delete the collection account. Experian staff threatened to block me from accessing my account if i kept calling them, Since then i could not access experian account or dispute any information on my report. I am currently denied my basic right to dispute a wrong information on my credit.I am only allowed to dispute over the phone. I am including a copy from the merchant authorizing account to be deleted and confirmed that they did contact the XXXX bureaus and was deleted. I did provide this documents to experian through online and fax. 

Company response: Company chooses not to provide a public response
Consumer complaint: Please see the following case numbers XXXX. 
# XXXX - # XXXX USAA finally gave me new credit cards and re opened my accounts. However, I was told that I had a " collection '' code attached to my new cards and I would not be able to use them. The company is so big that the person who opened and made my account available did not remove the negative red flags that were attached. Again I was on the phone for hours trying to work on this yet again. More wasted time. So if my accounts are in good standing and I have never been late. Then they should now be useable. They even sent me new cards. Also, I even offered to show proof of income. I want the codes removed from my cards so I can use them. Also to make sure nothing negative is reported to my credit report. This has been going on since XXXX, XXXX, 2015. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: every single day I receive a robo-call in XXXX and XXXX for the past 4 months from an unknown debt collection agency called Commonwealth Financial Systems at XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America is at it again, claiming that I have a past due amount, which is completely false. They received payment on XXXX XXXX, as acknowledged below, which was the last available on-time payment date ( i.e., last date to pay without have to pay a nominal late fee ). I remain convinced that B of A is systematically retaliating against me for keeping you apprised of their unethical business practices. 
Message from Bank of America : '' There has been recent activity to your account. 
A Home Equity Line of Credit payment was received on XXXX/XXXX/2015, in the amount of XXXX. 
Your next payment will be due on XXXX/XXXX/2015. " Despite having received the payment on time, they are showing me as past due, and are no doubt preparing to once again report false information to the credit-reporting agencies. 
Please help stop these shameless and despicable liars. Thank you, XXXX. XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently sent XXXX letters over the last XXXX months and I do not feel as though Experian has helped me the consumer at all. I even sent them proof that the XXXX account was paid in full and they have not bothered to update this account for me. I do not feel as though they have even bothered to investigate the accounts that I have questioned. They have not bothered to send me an updated credit report either. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I understand that I do owe for the credit card, I 'm not denying that. However, when I called a spoke with a representative from the law office and explained that i am the only one with income. I told her I was willing to pay XXXX to XXXX dollars a month. She told me that was unacceptable. Next thing I knew they went into my bank account and took all my money. I have absolutely no money, no food,, light bill is due, car insurance, and other bills that I automatically have taken out of my account. I could understand if they took some, but, they left my account with a zero balance. I guess my question is can they do that? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My daughter recently applied for a mortgage through Wells Fargo in XXXX Ct. I owed her approximately {$5000.00} so for her closing I transfered this money to her. Well Fargo then required I provide the account number this money was transfered from. In addition they requested a copy of my bank statement for the month showing the transfer. They did not provide any privacy information or tell me how this would be used. I felt that this could be part of a scam and preferred not sharing sensitive account numbers. They would not allow the closing until this information was provided. They still have not sent me their privacy and sharing policy. I feel this was an invasion of my privacy since I was not the XXXX applying fpr the mortgage. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is my XXXX complaint about Western Sky Financial. I got a call from their thrid party company a man name XXXX XXXX leaves a voice mail saying he is coming to my house with the sheirff deparment to serve me documents on a case against me, they called froma XXXX on the voice mail he told me to call a XXXX XXXX, I am sick of these low life people and their tactics. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid the bill off in full. But its still on my credit reports. I have documents that it is paid. Its to choice recovery 

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