AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX XXXX XXXX placed a collection on my Experian credit report on XXXX XXXX, XXXX for {$680.00}. I have never received any communication regarding this account via XXXX Mail from XXXX and had no idea what it was for. It did, however, look familiar and further investigation of my XXXX credit report from XXXX XXXX, shows that XXXX had the same collection on my credit report then for the same amount but with a different account number. I had not received any communication regarding the previous ( same account ) back in XXXX either and when I discovered it on my credit report, I sent a letter to XXXX requesting validation of the account per the FDCPA. This was sent on XXXX XXXX, XXXX. XXXX has never responded to this request. I also disputed the account with the credit bureau around the same time and XXXX subsequently deleted the account from my report on XXXX XXXX, XXXX. 
I have never received any mailed communication from XXXX, nor have they every validated the account from my requested in XXXX. I disputed the account they are currently reporting on my Experian credit report and received notification that it was verified as accurate. How is it possible that XXXX can validate a tradeline as being accurate when they admittedly do not have information about the account in their possession and can not provide it despite my request for validation over a year ago. XXXX is deliberately trying to poison my credit rating by reinserting this alleged account on my credit report. They can not provide documentation to me proving that I owe the debt nor can they show proof that they have any legal right to collect it, yet they verified it as accurate to Experian. 

Company response: Company chooses not to provide a public response
Consumer complaint: I tried to receive my annual report and was unable to process it from experian, this is the same if I try to dispute an item. I believe they are trying to keep me out of my report. I can not speak with anyone as there is no customer service number. when I call the number listed is just a message about paying for a credit report. I have no issues accessing any other credit reports ( XXXX/XXXX ) I would like to know why they are keeping from viewing the information they hold about me. 

Company response: Company chooses not to provide a public response
Consumer complaint: This XXXX XXXX lady calls EVERYDAY from a new # claiming that I have a fraud case against me and that there are criminal charges pending ... These people are a complete joke ... When you google the number of any legit business an actual website comes up. Meanwhile when you google these numbers all these comments come up ... 

These people are absolutely ridiculous. When you can send me something in writing maybe just maybe I will call you back. I know my rights and threatening people for a supposed debt is absolutely and completely illegal. But NICE TRY THOUGH ... Guess ill be blocking this number too! 

Below are the list of other # 's she calls XXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: southwest credit system LPDescription of Complaint : Although this account was in dispute I made an attempt to pay the original lender and have this account removed from my credit report, they referred me back to the collection agency and said its up to them. After contacting Southwest credit sys a collection agency that report to all credit angency. I was told by XXXX XXXX XXXX and other employees of Southweast credit sys that they could not delete this account from my credit report because of company policy and federal laws although I paid the account in full on XX/XX/2015. I have disputed this account from the very beginning and I have not yet as of today received a certified letter from either company concerning this account. I do n't believe what their saying is true. In dealing with another collection angency they had no problems deleting the account after receiving a letter from me requesting it. Mine you both companies are dealing with me in the state of Texas. I 'm looking for help in this situation please. I feel this type of practice is unfair to the consumers. Thank you 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a letter stating that it was a XXXX reminder for an outstanding account which I had not opened. I had never heard of this business before. I tried calling and was asked for personal information which I did not supply. XXXX, XXXX, XXXX and XXXX were not helpful and was hung up on twice. The envelope in which I was supposed to remit payment was self-addressed to NIIWIN , LLC XXXX Lendgreen. XXXX XXXX XXXX, XXXX XXXX XXXX, WI. XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I feel my credit scores should be a lot higher then they are.All payments have been on time, I have small balences on the credit cards that I have. The scorces do n't match the numbers, can you look in to this? Over the last 3 yrs I have done a lot of work to get it right, the reports are great the numbers do n't make since. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a loan modification through BSI in XXXX. Ileft several messages with BSI including messages to my accountspecialist and the account manager. No one will return my calls! 
When I finally got through to customer service they either hungup on me or put me on hold for an extremely long time. BSI will not acknowledge receipt of my application. I was able to finally get through XXXX and eachtime the representative stated they did n't have my information. 
I have several fax confirmations confirming the package wasrepeatedly sent. I have also been making my payments but BSIrefuses to acknowledge that. Anything Consumer Finance can dowill be greatly appreciated! I do not want to lose my homesimply because BSI refused to communicate with me. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I had {$10.00} in my savings and {$38.00} in my checjing yesterday XXXX/XXXX/15 my purchases were processed and that left me with a XXXX however I deposited {$20.00} to have {$8.00} left im my account what Bank of America did they took out my XXXX from my savings and charged me a {$10.00} fee for transferring my own funds leaving me - {$16.00} and {$0.00} on my savings then a payment posted the same day for {$9.00} which the seller cancelled as well I have an email to prove it ... And the bank charged a {$35.00} return fee for the {$9.00} check leaving more negative, and this morning the barely sent me an email letting me Know that they took the liberty to withdraw {$35.00} instead of sending me the email alert before hand on XXXX/XXXX/15 yesterday I was the XXXX noticed this and deposited {$20.00} so they wouldnt process anything since all the transactions were made the same day in XXXX XXXX, 2015. I called to complain why and the only returned the ten dollars and it took them XXXXminutes to " try an figure out why those charges were posted '' and said they could n't return my {$35.00} leaving me with XXXX and {$0.00} in my savings as a XXXX I work hard for that money I work 7 days a week XXXX jobs and I trusted my bank to let me know before hand about any warnings in my account instead they made me negative and bounced a check to a seller who cancelled the transaction I tried to tall to a manager in service center on the phone he hung up on me instead of resolving this I am really upset I thought thats why they have employees working to help us understand and fix their mistakes, I know {$35.00} is not much for the corporation bank etc.. But to me is XXXX of work I have to put in to earn that money ... I would n't complain here if I knew I was " wrong '' acvording to them and leaving me XXXXMinutes in hold and XXXX to try and figure it out and an hour of my time si they can just hang up on me without the money that bwlongs to me that I earn and worked for. 

Company response: Company chooses not to provide a public response
Consumer complaint: Debt was incurred on a credit card that was not ordered by me and occurred in a place where I was not. I was going to college in Arizona. XXXX credit management also notified me past the statute of limitations. 

Company response: Company chooses not to provide a public response
Consumer complaint: The credit reporting agencies are incorrectly reporting my current account status as 60-120 days past due. I paid the accounts and have a zero balance. I want the credit agencies to report the current status correctly as " Paid as Agreed ''. 

Company response: Company chooses not to provide a public response
Consumer complaint: I did not receive Notice of Sevice Transfer from Bank of America until 9 days before it is due to changee. I received it yesterday ( XXXX XXXX, 2015 ) even though the Notice Date says XXXX XXXX, 2015. If I am paying a bill through the mail and want to avoid late fees, it is MY responsibility to make sure that I send it in a timeframe which will guarantee it will arrive ON OR BEFORE the date it is due. Why is n't a BANK held to the same standards? Also, I do n't know if it is pertinent, but I am XXXX and they sold my loan to XXXX, a company that has been sued. I never missed a payment, my loan is in good standing. 

Company response: Company chooses not to provide a public response
Consumer complaint: Family with similar names and SS that only changes by XXXX digits. I 've requested and submitted proof of legal name and SS card and letters to get my credit straight of the past 10 yrs. They just do a quick fix but in less than 3-6 months go back to square XXXX. It 's affecting me in job interviews, Car loan, mortgage loans and Credit card apps. Do to this commingled info I have to pay Higher IRR and I have a debt ratio so high that I ca n't afford to pay for loans in a fair market. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am complaining because I am having an issue with Experian were I have not been able to get a copy of my report directly from them. I have written to them and have not gotten any response from them. There are Several Judgements on my credit report that none of them belong to me. They are all from the XXXX County Court and these Judgements belong to my Father which we have the same name and live in the same address. I have tried to call experian on several occasions and have been unsuccessful in getting a representative on the phone because I do not have a report number to get through. I am please requesting for these Judgements that belong to my father to be removed from my credit profile as they are not mine. 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2014, I visited a apartment complex by the name of XXXX XXXX on a Sunday afternoon. I inquired on a XXXX bedroom apartment and I filled out a application to be qualified for the apartment. I was told that it was Sunday and they would not be able to give me an answer until later on down into the week regarding the status of the application. I still filled out and gave my application fee. I left the complex and got home. less than XXXX hours later I called the apartment complex and told them I had changed my mind on the apartment and to not process the application. I thought this was over with. I did not ask them to refund the appication fee or anything. So I was shocked when I saw this account of my credit profile as me owing them money for a apartment that I never lived in nor signed a lease for. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I have a significant issue with XXXX XXXX in connection with my former account, which impacted another separate XXXX XXXX account ( which XXXX cancelled although there were no overdue or outstanding payments ). XXXX has clearly erred in providing my account information to an unauthorized third party, or permitting this third party to obtain information about me. This is both improper and illegal. This third party made several attempts to contact my brother, an XXXX Gold Card holder, about my account, and made dozens of illegal calls to me in an effort to collect payment. To end this dispute, on XXXX XXXX, 2015 I sent to XXXX a letter by certified mail with a check for {$1500.00} that was expressly conditional upon XXXX accepting this " full and final payment '' to settle the account. XXXX cashed the check and then claimed that they were not bound by the terms of the letter and the check ( the latter of which expressly referenced that this was for " full and final '' payment for this account ). XXXX 's failure to acknowledge that they have accepted my settlement offer, and failure to advise the credit reporting companies that this dispute has been settled, adversely affects my credit score and could prevent my wife and I from obtaining a home equity loan/second mortgage for our home ( for which we are now submitting an application ). Having accepted my offer to settle this dispute, XXXX must a ) acknowledge acceptance of the settlement and b ) advise all credit reporting companies immediately that this settlement has occurred and expunge from my credit records any assertion of non-payment or late payment in connection with this account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I currently reside in XXXX, but this loan was established online when I lived in XXXX, XXXX My XXXX challenge is the validity of the loan since it is prohibited in XXXX, XXXX XXXX. The other, is the interest rates originally 135 % then reduced to the current rate of 84 %. This seems more than the law allows based on XXXX usuary laws. I have already paid Delbert / XXXX more than my original balance of {$2600.00}. Additionally, the amount I owe is more than the original balance. I offered to settle for an amout a friend was willing to give, {$800.00}. They declined and countered for nearly {$2500.00}. I advised them that I have been out of work since XXXX 2015 and could not continue to maintain this loan. Today, they called asking when my payment will be made, Due on the XXXX of each month. I advised the rep. that I no longer wanted to be contacted regarding this matter as my last offer was my best. The call was discontinued. 

Company response: Company chooses not to provide a public response
Consumer complaint: I obtained a new mortgage through XXXX XXXX for the purchase of a new home. We closed on the property located at XXXX XXXX XXXX, XXXX, NY XXXX on XXXX XXXX, 2015. Our XXXX mortgage payment in the amount of {$1500.00} was due on XXXX XXXX, 2015. On XXXX XXXX, 2015, I logged into the XXXX XXXX website and made our XXXX payment for {$1500.00}. This transaction cleared my bank account via ACH transaction on XXXX XXXX, 2015. On XXXX XXXX, 2015, I received a letter in the mail dated XXXX XXXX, 2015 from XXXX stating that our mortgage had been sold to them from XXXX XXXX. After XXXX XXXX, 2015, I contacted XXXX to determine whether my payment had been received. I was advised at that time that it can take some time for that to happen, however, my credit report would not be negatively impacted as they allow a XXXX grace period for mortgage transfers. Since that conversation, I have received collection calls from XXXX XXXX during which I advised the payment was received on XXXX XXXX, 2015. Once I provided this information to the representative, they stated " oh yeah, now I see it ''. I 've talked to representatives in the loan department at XXXX that have assured me the payment would be sent to XXXX within a few days, then a few weeks and on Monday, XXXX XXXX, 2015, I was advised the payment would be there by XXXX XXXX, 2015. Well, today, XXXX XXXX, 2015, I received a call from an extremely rude collector for XXXX stating that not only has my payment not posted but they are going to report to the credit agencies that I am 30 days late. I was treated as though I was worthless XXXX and told that " if '' my payment does in fact arrive from Homestead, I could dispute the derrogatory information that was reported. This is completely unacceptable. I not only made my payment on time but paid it early and yet I am receiving harrassing phone calls. Also, oddly enough, I received notification from Homestead dated XXXX XXXX, 2015 that stated my mortgage was being transferred to XXXX effective XXXX XXXX, 2015. I thought I was supposed to be notified 30 days in advance if my mortgage was sold???? Clearly this did not happen. I have no confidence in either financial institution. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: Performant recovery is the designated collector for the Department of Treasury. They instituted a XXXX without following the provisions of 31 U.S.C. 3720 D ( b ) ( XXXX ) by providing notice of their intent to start the XXXX proceedings. The debt is owed to the XXXX XXXX XXXX who have had my XXXX, SD XXXX address since the year XXXX. The Department of Treasury has also had that address as my tax returns reflected that address since the year XXXX. Instead Performant made up an address of XXXX, SD. I have never resided at XXXX XXXX XXXX. We only received street addresses a little XXXX and my new street address is XXXX XXXX XXXX. Then when I requested a hearing on the matter they never gave me Notice of the Hearing and they will not address the fact that they violated my due process rights under the statute. Since Performant has the sole power to request the hearing they are abusing their position by not forwarding my objections to the Administrative Law Judge. Performant 's predecessor engaged in robo signing activities and I am sure that is what happened here. I am recovering from XXXX XXXX and have missed doctor appointments because this money is coming out of my check because my doctors are XXXX miles away from where I live. Performant also refuses to give me an accounting of payments on this debt. I am just seeking the opportunity to negotiate the payments to an amount that I can afford without having to miss XXXX appointments. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was applying for a auto loan and I was denied because of my bad credit history. I obtained my credit report from XXXX, XXXX, and XXXX and I figured out that there are several accounts that do not belong to me. I am a victim of identity theft and somebody stole my personal identification information and opened accounts under my name. I filed a police report from XXXX Police Department ( Police report No : XXXX ) on XXXX XXXX, 2014 and sent the police report to all credit bureaus and creditors. Since now, I did not get any results and the credit bureaus refuse to resolve this problem. I called to XXXX many many times and asked them to block the fraudulent accounts but they did not pay any attention to my dispute. I talked to XXXX XXXX who was from XXXX Fraud Department ( he was from XXXX that how he introduced himself ) and he did not even go through the documents that I send to XXXX. He told me that he could only redispute the fraudulent accounts, I told him that since XXXX 2014 and I am disputing fraudulent accounts but still no results. Please help me to resolve the problem, because my credit was damaged for some reason and the following accounts are opened under my name : Bank of America ( acc no : XXXX .... ), XXXX XXXX - ( acc no : XXXX .... ), XXXX XXXX ( acc no : XXXX .... ), and XXXX ( acc no : XXXX .... ). Also, please see attached the police report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter stating I owed them for a cable bill I send XXXX return receipt letter requesting validation as required by the Fair Debt Collection Practices Act they never responded sending a letter providing proof that the debt is legitimate that they provide proof that the debt is legitimate, that you are the person who legally owes the debt and that the collector has the right to collect the debt. they then placed a collection notice on my credit report with-out verification of the dept and after I let them know it was n't mine. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Progressive Financial keeps calling & harassing me concerning debt that I do not owe. I believe that the debt is owed by a person with the XXXX as mine. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a checking account with Bank of the West. Because I no longer live in a state they serve, I wanted to close my account. They told me the only way I could do that was by mail. I sent a letter, overnight via XXXX requesting they close the account. A few days later I received a cashiers check in the mail for the remaining balance. So far so good. However, I kept receiving forms in the mail informing me of overdrafts to the account. I do not know why, but apparently an old utility account ( XXXX ) was attempting to draw from the account. All utilities accounts which used to draw from the account were closed before I closed the checking account. When I spoke to the bank to explain the situation, I asked them to reverse the charges and clear my account. They were uncooperative and threatened to turn me over to collections. They said it should have been disclosed to me that there was a five day window. I was never told this. I was hoping they would come to their senses, but this afternoon, I received a call from a collector. The most striking thing to me about this situation is that the overdrafts were caused by Bank of the West writing me a cashiers check too early! 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX I signed a contract to purchase a car with Ally Financial through XXXX XXXX XXXX. My XXXX payment was due XXXX XXXX, 2015. In that time, I suffered some financial difficulties and could not make my minimum monthly payment. I spoke with a representative of Ally to notify them of my situation and hoped that we could make alternative arrangements until such time as I got back on my feet. I informed them I could n't make the minimum monthly payment of {$170.00}, but I could make at least {$100.00} payment every month. The company refused to lower the payment amount, and is now harassing me with telephone calls asking for payment. They call me on my cell phone, they call me on my work phone ( State agency ), and they call my home number which is no longer in service. They have at least XXXX different representatives call throughout the day, every day, seven days a week. They are also sending me threatening letters in the mail, telling me that they will repossess the car if I do n't pay the minimum amount every month and make another payment to catch up what 's left. I am doing what I can to ensure they are at the least getting something. I have no alternatives. 

Company response: Company chooses not to provide a public response