AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I leased a Regal Buick XX/XX/XXXX, 3 years ago through Ally. The term of the lease was 36 months with XXXX miles per year. I returned the car 2 months ago ( XX/XX/XXXX ) with only XXXX miles. I had still 2 months to terminate the lease and I was aware that I had to paid the remaining lease months, and I did. I left the car in an excellent condition with the normal use/ware of 3 years or XXXX miles. Ally did the inspection and determine that I had to pay for the tires. I paid on time all the lease payments and took very good care of that car, I consider an abuse from Ally to request that I pay them for new tires ( {$940.00} ) when I even under use the car ( XXXX miles less that the contract ) and was return in spotless condition. 

Company response: Company chooses not to provide a public response
Consumer complaint: After I got approved for an unsecured personal loan of less than {$400.00} I lost my job. I notified the finance company and was told that it was be put as noted on my account. However a week later I start recieving numerous of calls with attempt to collect a debt. After about 3 calls I was told that my account was sent to the credit agency. Shortly after that the finance agent was knocking on my door. They come to my home several times a week and bang on my door even after I 've asked them to go away. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a twin brother ( who has a similar name as my own ) and our SSNs are virtually the same sans a single number. With this being the case our credit reports have juxtaposed information on them. This presents a problem anytime our credit is checked. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have a collection that 's been showing on my Experian and XXXX report for a while that is not mine. I disputed through XXXX, and receive a verdict that they were unable to verify this was mine, and they agreed to remove trade line from CRA 's in 2012. They are still on today and disputes did not work with Experian or XXXX, and Collection Agency is not acknowledging the letter they send agreeing to remove from my reports. 

The tradeline on reports is XXXX, they also go by XXXX XXXX XXXX XXXX XXXX it looks like. 

Please help me get this resolved, it 's making it hard for me to get an affordable rate on a vehicle for my family. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a Macy 's XXXX XXXX Card - XXXX ( XXXX ) fraudulent charges were made on the XXXX XXXX portion on XXXX/XXXX/15 for XXXX products for {$52.00} each - a total of {$210.00}. I have never used the XXXX XXXX in the entire history I have used this card. I do n't use the Macy 's card that often and did n't notice the fraudulent charges until a made a small purchase at Macy 's at the beginning of XXXX. I immediately contacted the Fraud Department on XXXX XXXX and was told they would be sending a Statement of Fraud form that I needed to fill out. I never received the form so I contacted them on XXXX. I finally received the form and immediately mailed and faxed a copy on XXXX. I received a confirmation receipt that it was sent. I contacted them on XXXX and they said they would expedite the case. On XXXX, I called again and they said they did n't receive the information. I faxed the information again on that day and the following week on XXXX. I got confirmation receipts for both days. On XXXX, I activated a new card but when I tried to make a purchase in Macy 's on XXXX it was denied. I was told I would have no issues using the card when I activated it. I immediately called the Fraud Dept. that same day and they said it was denied becaue of pending unpaid charges. In the meantime, my card is accumulating late fees and interest on those fraudulent charges made way back in XXXX. I am afraid this is going to affect my credit. I have an excellent credit history and always pay my bills on time! I called today, XXXX and they notified me that my case is still under investigation. It 's 2 months already and they are unable to give me any good reason as to why it 's taking so long. I really need help in getting this resolved. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I contact Navy Federal Credit Union regarding fraud from XXXX and I was explain that they will cancel my Navy Federal Credit Union and will expedite me another Bank Card Via XXXX. I called today XXXX XXXX, 2015 I was informed it mailed out regular mail and were they can not trace nor tell when I should expect it. Navy Federal also explain that XXXX check of mine has been return and they do not notifty the payee that it not enough fund in the account. So they allow the payee to keep sending thepayment while they keep charging me {$29.00} XXXX times and they its not enough funds theaccounts. Along the fees from the vendor I also owe them {$29.00} for the XXXX transaction. 
Can tell me is this the Navy Federal Credit should treat their customer. I 'm still awaiting a response regarding the fraud at XXXX XXXX XXXX they just the take my money. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Debt collector presented bill from creditor that I have never had and bill included XXXX in interest have requested validation 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Credit Acceptance corporation are falsely reporting on my credit report which has been hurting my ability to purchase consumer products from other companies. My identity was stolen and used years ago with out my permission with Credit Acceptance 6 years ago. I filed a report and also notified them that I never co signed a loan. I was told that it would be taken care of but instead Credit Acceptance has been listening negative payments on my credit report for a vehicle I have never seen nor have any ownership of. Now it 's list repossessed on my credit report which makes it very difficult for me to get a fair rate on an auto loan. I request this this company send me all the original contracts that they said I signed or delete themselves from my credit reports immediately. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Out of the XXXX major credit reporting agencies, TransUnion is the only agency that is reporting erroneous information in which I am complaining about. Report date XXXX/XXXX/15, file number XXXX, with this file number TransUnion has my report split into XXXX sections. First, it has page XXXX of XXXX, with page XXXX listing my reported name as XXXX XXXX XXXX XXXX, see my attached scan copy of my original social security card, it only has XXXX XXXX XXXX. Than, TransUnion, has a second part of the report page XXXX of XXXX, with page XXXX listing reported name as XXXX XXXX XXXX. Also, TransUnion has XXXX different reported phone numbers listed for me- most of these numbers are not even recognizable to me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I can not access my anual report it says I am not me 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Zia Finance XXXX XXXX New Mexico, with relentlessly harass you if you are ever late or if you default on your payments. 

They will call your employer and they will come to your house to harass you. This is a very sketchy company. They are a predatory loan company. They will continue to harass you even after they have reported to credit agencies. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: With a balance of approximately {$42.00}, I attempted to make a gasoline purchase at the pump. When I entered my zip code, the sale was rejected. The balance on the card is now {$0.00}, and the card issuer says it can take up to 14 days to restore the balance to the card. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had previously filed a complaint because I suddenly started getting {$25.00} monthly service charges on an account that had never been charged. The response I got was that my checking account was no longer tied to a mortgage account, so I would now be getting charged. Well, my account was never a mortgage account in the first place. I 've never even had a mortgage for it to be tied to. Your reason for charging me this fee each month is invalid. I was issued " courtesy '' credits for a few months, but found that I 've been charged again for XXXX XXXX and XXXX XXXX. I 'm sure I 'm about to be charged again for XXXX XXXX. I would like a refund of the charges, and my account fixed so that it is like it was before. All I had to have was direct deposit to avoid monthly fees, and I 've had direct deposit for as long as I 've had the account. Please, do not send me any more freaking terms and conditions and cardmember agreements. They are n't even valid since my account was never tied to a mortgage! Do NOT call me. Email or regular mail only. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I purchased my home in XXXX XXXX and XXXX went into my escrow to pay property taxes for XXXX. {$3100.00} was paid out which threw my escrow into a negative of XXXX which I am being held accountable for. The correct amount of property taxes was not factored into my loan accordingly. The house was vacant for several years upon my purchase in XXXX. There was also a late fee charge accessed since taxes were not paid on time from XXXX. Exemptions were not filed for XXXX by previous owner. This raised my mortgage from {$690.00} month to {$1100.00} month. I am being held accountable for taxes from 2 years prior to me purchasing the home. I relied on and paid Hallmark Home Mortgage to correctly figure the right amount of property taxes into my loan. They do specialize in HUD homes and should have known to look and see if exemptions had been filed considering this had been a vacant home for quite some time. The error was on Hallmark Home Mortgage and feel they should be held accountable for the refund back into my escrow account. It was negligence on their part to not factor in property taxes as they should have. According to the XXXX XXXX XXXX, XXXX and Hallmark Home Mortgage, there definitely was an error made, but Hallmark Home Mortgage was not willing to correct their error when I went to personally speak to them in XXXX XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: " We 're letting you know your ATM/debit card may have been part of a compromise at an undisclosed merchant. '' I 'm happy that my bank ( Bank of America ) is being proactive about account security, however they are forcing a new debit card number which is a major inconvenience while not providing any information about what happened. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: EXPERIAN keeps reporting an inaccurate Bankruptcy on my credit report. When disputed the information, I kept getting AUTO GENERATED letters that information was verified with the furnisher thus it should stay on the record. When contacted furnisher- US bankruptcy court XXXX california-they confirmed in writing that they DO NOT REPORT OR VALIDATE any information to none of the bureaus ... VERIFICATION BY EXPERIAN WAS A LIE, AND UNTRUE STATEMENT ON THEIR BEHALF. 
Second, when completing a public records search for the case # reported it was proved that NO SUCH CASE NUMBER EXISTS. 
Both of the supporting documentations were provided to experian numerous times but I kept getting an AUTO RESPONSE letters one after another in identical format with different dates. When trying to call EXPERIAN, it was impossible to speak to a live representative after being on hold for 2.5 hours. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We signed with XXXX XXXX XXXX XXXX for service in XX/XX/XXXX. Service was unacceptable, we paid what we owned and cancelled in XX/XX/XXXX. We were contacted by a collection Co. ( XXXX ) that we owed {$100.00}, ( date not remembered ). We contested the claim. On XXXX, we received a letter from the XXXX That noted " Current Balance : Not Applicable ''. The letter also stated that the " ... account is closed in our office ''. Not knowing what " Current Balance : Not Applicable '' actually meant, so on XXXX, I phoned, talked to an employee who said that they had contacted XXXX advising we had contested the bill and XXXX XXXX had agreed we did n't owe anything. Stupidly, I failed to ask for this in writing. OnXXXXXX/XX/XXXX ( 3 yrs. later ), We received a letter from another collection company, RPM, that if we would pay {$53.00}, ( 60 % ) they would be willing to close our " out standing balance ''. We contested that so they came back that we owed {$100.00}. What is needed at this juncture to establish that we do not owe this! 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX continues to send fraudulent debt charges to a new debt collector. I severed my service after working with their c/s to improve service outages, dropped calls and roaming when I was local. I worked with them by using new phones and repeater antenna. None of their failed solutions were successful so I was released by them from my service. I was not under contract any longer. I returned all phones, and paid my last bill. They are charging me for returned phones and service long after I had ported my phone numbers. I have contacted them, and each of the debt collectors by phone and in writing. They continue to harass and lie about the charges. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/15 I contacted XXXX to ask about getting my services lowered because my " special '' was running out in XXXX 2015. XXXX was unable to get the service lowered to my previous bill amount. I discussed with the agent and was told that my billing cycle ended XXXX/XXXX/2015. I paid my bill in full through XXXX/XXXX/2015 and advised that I would like to have my services disconnect on XXXX/XXXX/2015. The agent was very nice and advised that on XXXX/XXXX/15 I would no longer have XXXX service. They also advised that I could take all of my equipment to local XXXX store to mail back at no charge. 

On XXXX/XXXX/2015 I came home from work and my services were turned off, just as I discussed. On XXXX/XXXX/2015 I took all the equipment to the UPS store ( attached receipt from XXXX store and attached email confirmation from XXXX ) and mail back to XXXX. This completed my business with XXXX. 

On XXXX/XXXX/2015 I received the attached bill from XXXX stating that I had a outstanding balance of {$190.00}. I called the customer service number ( XXXX ) to see dispute the charges on my account. The customer service agent advise the charges were for XX/XX/XXXX. When I advised that I disconnect my services on XXXX/XXXX/2015, she then advised she would have to transfer me to someone else. The XXXX agent advise me that the charges were for XX/XX/2015. I advised that I paid my bill in full when I called on XXXX/XXXX/2015 to disconnect my service on XXXX/XXXX/2015. The agent then advised me that they could see where I called in on XXXX/XXXX/15 and paid my bill, but the agent at the time should not have told me that I paid in full. I continued to dispute the charges. The agent transferred me again. The XXXX agent advised me that XXXX had since gotten a new billing system and that some of statements were incorrect and that it looked like I had been billed twice for what I had paid on XXXX/XXXX/2015. They then transferred me again so that someone could clear the charges. The XXXX agent advised me that I owed the {$190.00} and they could not clear it. I continued to dispute the charges. The agent advised that my account was still active, when I ask how and explained that I did n't even have any equipment she said they never received my equipment back in the mail. I gave her my reference number from the XXXX store and she could not find it. I waited on hold for a " supervisor '' to speak with. The supervisor was very rude and explained to me that I just needed to pay the bill or get turned over to their collection agency and have a bad mark on my credit. I currently have a XXXX credit score and take pride in paying my bills on time. I do not appreciate being threatened. After XXXX min with nothing resolved I hung up. 

Company response: Company chooses not to provide a public response
Consumer complaint: For the last week I have routinely received XXXX calls a day on my cell from XXXX XXXX XXXX. ( this a.m. they started at XXXX ) When I XXXX this number, I found others have been complaining for XXXX years. It belongs to Receivables Performance Management, a debt collection company, apparently. I do not take their calls and they do not leave messages. I do n't owe anyone anything, so how do I get them to STOP. They only have my cell phone, not my landline or my husband 's phone. I do n't answer any caller I.D . that is n't recognized by my contacts list. I 've had this phone on the DO NOT CALL LIST for over XXXX years! 

Company response: Company chooses not to provide a public response
Consumer complaint: After several phone calls with XXXX, I got the appropriate amount of debt stated ( {$450.00} ) and was informed that I could make payments until it was paid of. I began making {$50.00} a month payments, after the third month I received a phone call from the debt collector about making the remainder {$300.00} in order to prevent further debt collection action. After calling XXXX, they informed me that I had only three months to pay off the full {$450.00}. I was not aware of this and in none of the multiple phone calls did anyone state that this was the case. Otherwise I would have paid the entire amount prior to the three month mark to avoid a mark on my credit. I have paid off the full amount now ( less that three months after it went into collects ) but now there remains a mark on my credit for a collection agency. 

Company response: Company chooses not to provide a public response
Consumer complaint: Repeated phone calls covering XXXX years for a person named XXXX XXXX, who apparently had my phone number previous to me. 
The agency goes by the name of Receiver Performance Management. Their phone number is XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My account with XXXX XXXX Cable was paid prior to being closed. XXXX XXXX Cable disagreed and sold the account to a collection agency. The account according to XXXX was removed XXXX and continues to be put on my credit report and is severely effecting my credit with all XXXX credit agencies. Also XXXX has stopped collecting on all my credit card debts and has discharged the debt in which XXXX forms were filed and paid for. This was an agreement with XXXX il because they were no longer collecting on the debts. However, they continue to report amount owed on my credit report instead of reporting it as zero like other accounts on my credit report by XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I entered into a loan agreement with Western Sky which handed off to XXXX. I have been paying almost {$300.00} a month for almost 2 full years. I owe now more than I originally borrowed. They take only $ XXXX- {$6.00} of my payment to the principal and apply {$290.00} to interest. I was in dire financial straits when the loan was first taken out. I am now just living on my Social Security. It has become quite a hardship for me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I called Diversified Adjustment Service, Inc today ( XXXX/XXXX/15 ) and spoke with one of their collection representatives named XXXX. I had previously made payment arrangements ( XXXX/XXXX/15 ) to pay {$20.00} a month until the debt was paid. XXXX stated that amount would n't work, that I had to pay more. I stated that I 'm on a fixed income, I only receive Social security, and can not pay more than that and I have a letter stating that fact. He said " Well you 're talking to me now, and there 's no way you can pay just that amount. It 'll take you seven months to pay it off, you 're going to need to pay more. '' When I refused he changed tactics and said, " Ok you got ta make a settlement than. You got ta pay it off. '' I again said I could n't. He said I had to and asked how much I could pay. I stated again that I could maybe pay {$50.00} but wo n't since I have a payment plan and he told me they ( XXXX ) would n't accept that, very sarcastically. Maybe they would accept {$120.00}. I told him no. I said I wanted to speak to a manager. He told me no. When I insisted he said in a mocking tone " Ooo are you going to offer my boss a deal? '' Then continued to say he would n't connect me. When I would n't budge he finally transferred me to a voice mail. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Defective Goods were returned to XXXX Apparel, I have submitted documentation to XXXX XXXX, Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX proving that XXXX received and signed for the returned defective merchandiseXXXX XXXX continues to contact me regarding debt that I do not owe. 

Company response: Company chooses not to provide a public response
Consumer complaint: There was a total of XXXX accounts that where opened fraudulently through USAA, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. USAA refused to help me with this matter and claimed that I was responsible for the fraud. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been receiving harrassing phone calls since XXXX XXXX 2016. The person calling stated they are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from a man with the name of XXXX XXXX . He uses threatening and vulgar language. He is very combative on the phone to the point of belittling you. He has stated that I owe roughly {$7000.00} to them from an old Kay Jewelers credit card account. He stated that I had until next business day to pay or I would encounter a law suit. When I told him I did not have that type of money and that I would need to speak with my spouse about this issue he stated " You didnt speak with your spouse when you rang up this debt. '' then continued to ask me " Where are you going to get money to pay me by tomorrow '' He has also gone as far as to call other part of my family and threatening them as well, calling my mother " a XXXX like her son ''. This type of abuse should never be allowed to take place. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company