AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: In reviewing my credit report it has occurred to me that the debt collector called XXXX. INTERNATIONAL INC, is still trying to collect on the debt however the debt reached its statutes of limitations of the 6 year mark as of XXXX of 2014, and the debt was incurred in Arizona and according to A.R.S 12-548 " Contract in writing for debt ; six years limitations ; choice of law '' For future reference I had a legal last name change my last name use to be XXXX it is now XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I looked at my bank account statement and I saw that I was charged XXXX from a company called XXXX. I have never heard of this company! I do n't remember writing a check to them. I did not write a check to them. I have called the bank and they will open me a new account soon ( 5-7days ). 

Company response: Company chooses not to provide a public response
Consumer complaint: I was behind in my mortgage with SunTrust Bank so I filed for a modification on my mortgage, Instead of lowering my payments they have raised it considerably. If I am a day late they make me start over and charge me to do so. my payments use to be in the {$600.00} range and now its in the {$800.00} 's. I feel that they are taking advantage of people that are having a hard time making payments. I am struggling with this payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX 2015 I went online to check the balance on card/account before making a withdrawal. I found that someone had accessed my account on XXXX XXXX, 2015 from an ATM making XXXX balance inquiries and XXXX subsequent withdrawals each in the amount of {$400.00} totaling {$800.00}. I called Bank of America and cancelled the card. They told me I would receive paperwork to fill out and return for a fraud claim and would receive a credit pending an investigation. I never received the documents and when I called to check the status on XXXX XXXX, 2015 Bank of America told me that the claim was denied stating that I had not proved that Fraud had occurred. Additionally, on XXXX XXXX 2015 I filed a police report and contacted Bank of America ( on that same day ) with the report number. 

Company response: Company chooses not to provide a public response
Consumer complaint: I AM ATTEMPTING TO PAY OFF MY MORTGAGE - LOAN NUMBER XXXX - XXXX XXXX - XXXX XXXX XXXX, XXXX, NJ XXXX. WE NEED TO LOCATE THE MORTGAGE SO WE CAN ACQUIRE THE EXACT PAYOFF AMOUNT SO WE DO NOT MAKE ANY MISTAKES AND THAT THE MORTGAGE IS PROPERLY CANCELED. THE XXXX XXXX XXXX XXXX WILL HAVE ALL NECESSARY INFORMATION REGARDING THIS PARTICULAR LOAN THAT WE NEED - THE XXXX TRUST, THE REPURCHASE DATE AS PER INVESTOR REQUEST, THE CURRENT LOCATION AND ANY DOCUMENTS OR INFORMATION SURROUNDING THE REPURCHASE AND TRANSFER WHICH TOOK PLACE. WE HAVE ATTEMPTED SEVERAL TIMES TO GATHER THIS INFORMATION DIRECTLY FROM XXXX XXXX HOWEVER THE SERVICE HAS BEEN FRAGMENTED SO WE HAVE HAD TO RESORT TO USING THE CFPB IN ORDER TO DOCUMENT THIS IMPORTANT REQUEST FOR INFORMATION AND DOCUMENTS REGARDING OUR MORTGAGE REPURCHASE. 

Company response: Company chooses not to provide a public response
Consumer complaint: ProCollect Inc. tried to collect a debt from me from XX/XX/2010. I never received a bill from the original person ( s ) and now 5 years later, this debt is on my Credit report. This is a medical bill from the physician that I never received. In Texas, this is past the statute of limitation and I have asked ProCollect to immediately remove this debt from my Credit Report. I have a daughter that will be heading to college shortly and this can ruin her financial aid if I cant apply for a loan to help her in school. I am asking for assistance in removing this debt from my credit report and to stop ProCollect from doing this to other people. This company needs investigating. Thanks 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX has been using " ghost '' collection agencies to continue to harass me for months. XXXX, XXXX XXXX, and Stellar Recovery are in fact XXXX XXXX employees falsely claiming to be collection agents. What they are doing is making an end run around the Fair Credit Reporting Act. Notwithstanding my best efforts XXXX XXXX has yet to provide me with written proof of this debt even after multiple written requests for this information. Stellar Recovery has called my cell phone over XXXX times and has yet to provide me proof of this debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have had a Home Depot credit card for months and I have NEVER USED IT. My Credit is in good condition, much better than when I applied. Today I get a letter stating that my limit had been decreased due to numerous lines of credit. When I contact Home Depot ( CITI ) they tell me the reduction was based on information stating that I have accounts that are delinquent. In the letter it states too many credit accounts. On the phone they say deliquesces. I do not appreciate being treated this way by Home Depot or Citi Corporation. When I call to speak to a supervisor I was refused. XXXX XXXX XXXX number XXXX refused to find a supervisor on demand. He refused to find a manager, he refused to attempt to locate a supervisor or manager. I have worked hard to see that my Credit is clear of derogatory information. Home depot is violating my rights to information regarding my status and fair credit decisions. I requested verification and was referred back to XXXX. I know better than to trust them. The Citi letter offers incorrect information and the credit line reduction is not justified based on an automated system that is programmed to slash credit lines for good customers. My credit card accounts are not a reason to lower a limit " BAD ACCOUNTS ARE ''. Failing to make payments are good reasons but since my payments are always on time, so this reason is not valid. Since I have never used the home depot card I find it difficult to justify my reduction. I need proof from the creditor as to why this account was adversely affected without ANY USE AT ALL. It is my intention to place this information on XXXX and XXXX for the world to know just how Citi and Home Depot treats its customers. I have credit cards and that is not a crime. I pay them on time and that is not a crime. I want this account re established and left alone. It is not right that Citi and Home Depot can negatively affect my credit score and provide incorrect reasoning via letter. Good thing the calls are recorded. 

Company response: Company chooses not to provide a public response
Consumer complaint: I owe for a past due utility bill from XX/XX/XXXX. I received a notice XX/XX/XXXX that I owe {$90.00}. I responded back XX/XX/XXXX disputing amount, I needed proof. ( I currently have the same company providing my electric service ) XX/XX/XXXX I received proof of the outstanding balance. I called the utility company several times over a XXXX week period, finally received confirmation that the balance exists. XXXX I called and spoke to XXXX XXXX because his company has already added this as a collection to my credit report. I want to pay the past due amount in full and want the negative collection removed from my credit report like other collection companies do according to the FairCredit Reporting Act. I did not have enough time to validate the debt owed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I did owe Bank of americ {$52.00} and paid it on XXXX/XXXX/15. This of course was reported to XXXX and was told that it would state 'piad ' within XXXX days. To this date, it has not been updated to say 'paid ' ( not removed, just paid ) and I am unable to get XXXX to acknowledge the receipt or the bank to make the correction 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a auto loan with Ally. They call me XXXX times a day once I am XXXX day late. They continue to call even after I have scheduled an automatic payment to come out of my checking acct. I called them and told them it was scheduled and to please stop calling. They then try to get me to make the payment sooner and continue to remind me my payment is due on the XXXX of the month. My payment is scheduled for XXXX/XXXX/2015. I have never been 30 days past due. This is annyoying. I also receive text messages from them. Please make them stop! Once I speak with them and advised of payment being made and SCHEDULE the payment the phone calls should not continue. My phone rings all day when I am work and I have been warned about it. There is no reason for them to keep calling like they do. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently have ask you to show me permissible purpose that I allowed many of the creditors that you are reporting hard inquries on my report to be allowed to report the inquiry under the Fair Credit Act. I 'm asking you to show me, full documentation that the inquries belong on my credit report. Not a response with an answer of you believe that it was permissible purpose. The credit report showed a credit inquiry by a company ( s ) that I do not recall authorizing. I understand that you should n't be allowed to put aninquiry on my file unless I have authorized it. Please have thisinquiry or inquries removed from my credit file because it is making it verydifficult for me to acquire credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citicards misrepresents balances and makes it impossible to pay them in full. In fact their rep just told me that although I paid my balance in full the month before, I will still be charged interest until I pay in full XXXX months in a row. I am paying interest on the interest of a XXXX balance account. Despite the fact that they list a "Previous Statement Balance" and a "CURRENT Statement Balance" you never actually get the correct balance. So you ALWAYS HAVE A BALANCE even when you have PAID IN FULL THE MONTH BEFORE. Call them or online chat with them and you get an endless cycle of NONSENSE!!!!!!!!! One operator will tell you to pay a certain amount and the next tells you to only pay the balance listed.....it should be criminal.
Company response: Company chooses not to provide a public response
Consumer complaint: The nature of the complaint is that the creditor failed to respond to a debt verification request made pursuant to the FDCPA. The basis of the dispute is that complainant was a victim of identity theft. In XXXX XXXX Complainant 's ex-spouse open a credit card account with USAA in his name, and the Complainant was unaware that the credit card account was opened. The XXXX decree was granted at the hearing on XXXX XXXX, XXXX and signed by the judge on XXXX XXXX, XXXX. XXXX days prior to the final order dissolving the marriage Complainant 's ex-wife transfers balances from XXXX of her credit card accounts to the USAA account. 
The complainant became aware of this once the balance showed on his credit report. He immediately filed a police report with the XXXX XXXX XXXX, TX police department. The case is being investigated by Office XXXX XXXX. He also filed a complaint with the Federal Trade Commission. On or about XXXX XXXX, XXXX the complainant through his legal counsel sent a written debt dispute letter to USAA requesting verification of the debt and specific documents to authenticate the account application. On XXXX XXXX, XXXX USAA responded that the credit reporting issues were out of its control referred the complainant to the credit reporting agencies and failed to provide any verification of the debt. 
The Complainant is requesting debt verification and damages and reasonable attorney 's fees pursuant to the FDCPA. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I got a letter from AlliedInterstate today on behalf of XXXX XXXX XXXX on a debt from XXXX XXXX XXXX XXXX. No Full Account number listed. Since XXXX XXXX XXXX could not provide verification of debt on the last one they sent out I am sure they can not on this and the only verification I will accept from these are the followingSigned copy of the contract, Fully payment history, last payment madethis is notice that this is disputed and they are in violation of consumer protection rights actually. I never heard of this company and all of a sudden they are sending my info out to several companies : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX - all of these are LLC. None of these companies have I ever heard of or from. Since my last cc was paid off in good standing they have to prove to me that I owe the bill and not just expect me to pay a bill they say I owe in their computer system because anyone can type up information and put it in their computer. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX accounts on my credit report. 1 ) XXXX is a XXXX balance, unable to get them to remove the item stating they need documentation 2 ) XXXX XXXX paid in full states they need documentation which the company has sent to them plus they refuse to make changes to the credit report with my documentation. They are famous to state they will not reinvestigate the account. This is against the FRCA .But they intimidate customers staying even though paid will not reinvestigate the accounts. Accounts status and balances can change and they should be fair and transparent to the customers if information is provided. 

Company response: Company chooses not to provide a public response
Consumer complaint: My name is XXXX XXXX XXXX. From XX/XX/XXXX until XX/XX/XXXX I resided at an apartment complex run by XXXX called the XXXX in XXXX XXXX. My rent was always paid on time and I never had a complaint lodged against me as a tenant. I gave the required 30 day notice of intent to leave on XX/XX/XXXX in order to attend XXXX in XXXX in XX/XX/XXXX. On XXXX XXXX, I turned in my keys and gate card to the office and they issued me a release from any further contract obligation. A month later, the complex emailed me a bill for {$230.00} to paint the unit and empty garbage that was in the garage ( this was not emptied because the maintenance man was in a hurry to leave for the day and I had to give him the remaining key to the garage very quickly and forgot to take the garbage out before the garage door closed. The walls of the unit were patched and repainted the same white shade of paint before I left ( I borrowed paint from Maintenance ). The carpet was shampooed ( although, after 12 years, it usually would be replaced, but I take my shoes off at the door ). The new tenant moved in two days after we vacated. The credit bureau has a company called Fair Collections and Outsourcing - FCO that is reporting that I owe XXXX {$480.00} dollars ; I contacted XXXX and questioned their bill for {$230.00}. Their bill negates a deal that tenants got for 10 % of each monthly rent applied to a pot of money to be applied to closing costs for the purchase of a new home with certain builders ( {$120.00} x XXXX x XXXX = {$17000.00} ). FCO has refused to detail their bill with me and refused to remove it from my credit bureau for the last two years despite the difference of {$250.00} between their bill and that of XXXX. I continue to dispute this on all XXXX credit bureaus and they continue to tell me that it is a valid bill despite the fact that I have never seen the bill for {$480.00} and they are refusing to send to it me. Yesterday, I called FCO and offered to pay the {$480.00} in full if they would just remove the charge from my credit after I pay it ; they refused to do this. I have attempted to call XXXX and their XXXX offices do not answer the phones ( automated to voice mail ). In the meantime, the XXXX was sold to a different company ; XXXX appears to be having problems with their XXXX rental properties.There were days in this unit where I went without AC in the middle of the summer for several days, but I did not ask for a rent reduction. There was an incident where the complex allowed a moving XXXX to park next to my vehicle and the XXXX company side swiped my car. When I reported this to the office staff at the XXXX, they refused to give me the name of the owner of the moving XXXX to place a claim - damages to my car were {$490.00}. I did not make an big magilla over these issues because I knew it would not be resolved and would only cause hard feelings for the time I rented there. Now I am very upset about what has happened to my credit on this and am frustrated that FCO will not even give me a copy of their bill from XXXX that they are reporting as delinquent for me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've called XXXX now to PennyMacLoan Services to get my monthly statements corrected. They send the monthly statement towards the end of the month, the payment slip that I un-attach to send with my payment is for the previous month. Example : the statement that I received at the end of XXXX that was supposed to have the payment slip say Due XXXX/XXXX/2015 for the XXXX 2015 payment says XXXX/XXXX/15. It 's like they are a month behind. 
I 'm not behind on ANY of my payments. I 've called them XXXX and no change. 
Also, I spoke to a rep today at Penny Mac Loan Service and I 've never ever made a payment on the phone and somehow, they have someone else 's routing information on my account and the rep asked me to give her my new routing numnber and account number. I got suspicious and I told her that i would send a cashiers check instead. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I contacted Broward Adjustment Services ( " BAS '' ) by phone to pay an outstanding debt that is owed to the University XXXX XXXX medical facilities. On XXXX XXXX, 2015, I authorized BAS to withdraw a payment from my checking account in the amount of {$480.00} - to pay the total amount due in full. I was informed that my receipt would be the statement from my bank. In addition to the bank statement, I requested that BAS send me a written notice confirming that the payment was made, and that my account with the collection agency was closed. The representative who I spoke to that day updated by contact information, and confirmed that a confirmation would be mailed to my mailing address. 

On XXXX XXXX, 2015, when I checked my bank account to see whether the payment had been made to BAS or the University XXXX XXXX, I noticed that the {$480.00} was withdrawn from my account. The issue arose when I looked at the check that was written by the agency, and realized that BAS had written the check to be made to " XXXX XXXX XXXX XXXX XXXX. '' This is not the correct payee. 

I contacted BAS today, on XXXX XXXX, 2015, to inform them that they wrote and processed the check by sending the payment to the wrong payee. The representative who I spoke to, XXXX ( Last Name Unknown ), told me that the bank statement was my receipt and refused to provide me with information as to whom the payment had been made. She also refused to send me confirmation in writing that my account was closed, and that the debt had been closed. I explained to her that the statement can not serve as a receipt being that it shows that a payment was made to the wrong party. If the creditor was to seek confirmation of payment from me in the future, I have absolutely nothing that definitively states that the payment was made to BAS, or the University XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have attended XXXX XXXX XXXX since 2009 in XXXX Michigan ( XXXX XXXX Big XXXX XXXX, XXXX, MI XXXX ( XXXX ) XXXX ), took a break and due to the opportunity scholarship that they promote decided to go back and finish my XXXX Degree. I was informed that I qualified to attend two years free tuition with no payments having to be made. Not even a full XXXX semesters in, I am getting e-mails and calls that I owe {$600.00} plus tuition for each semester. I informed XXXX XXXX that I was set up by a fin-aid representative by the name of XXXX that I would be attending free for two years due to me being a former " student '' and qualifying for the scholarship. She informed me that it was only for XXXX semester and that I now owe {$600.00} plus for a prior semester of which I was supplied with the " scholarship. '' I informed XXXX XXXX that if I knew that I would end up having to pay the upward amount of {$600.00} per semester I would not have attended XXXX XXXX. I feel that I was lied to and manipulated into receiving said scholarship. I am now receiving bills for having to pay unsubsidized and subsidized loans around the mark of {$18000.00} and {$16000.00} respectively. I would like my information to be added to the lawsuit because they are predatory and falsify information to benefit the schools profit. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: credit card number : XXXX set up automatic payment to " Pay amount due on due date '' for this Bank of America Visa Card ( under XXXX XXXX XXXX ). However, on XXXX, only minimum payment of {$25.00} was deducted. This resulted in I being charged interest on XXXX ( and potentially future date ), and potentially affect my credit score. I contacted BOA but it is a mess there. I was being directed here and there with no resolution. 
The mistake is unexcusable. My family have all kind of credit cards and have never seen a mistake like this. I like BOA to:1. correct his promptly and refund any penalty interest charged. 
2. explain to CFPB why this happen and how many customers have been affected by this mistake, how much fee they have collected out of this mistake. 
3. explain to me whether this affect my credit score and correct promptly if it does. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had several phone calls rom bank of the west, concerning missed l loanloan payments.after several calls and going over the same reasons why I stoped paymentstoped payments.I agreed to voluntary reprosession of said vehicle. As Ionly had the vehicle in my position for aproxmatly 3 weeks since XX/XX/XXXX to date. Bank of the west said they were taking the vehicleto auction and selling. I have never ben advised of when where or howmuch it was sold for. I have received nothing in writing.My credit report said the account was closed and paid in full. 
Now since XX/XX/XXXX I have received XXXX phone calls from someone who says they oursays they our collection agency.Asking for my social security and address .I told them if they our from the Bank of The West they should have that infoinfo.I felt it was a scam and hungup. I have received no written noticesince being contacted in XX/XX/XXXX by Bank of the West for a latepayment and advising of voluntary Reprossion. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank put a hold on the bank account without notice and said that the address on file was a Post Office or Post Office Box. This is not true. Citibank has returned items and the account has over {$12000.00} in it. No one is helping release the hold. The account has been opened for XXXX years. 

Company response: Company chooses not to provide a public response
Consumer complaint: I HAVE A COMPLAINT WITH WELLS FARGO ( XXXX XXXX ) CREDIT CARDI DID A BALANCE TRANSFER FROM WELLS FARGO TO XXXX XXXX CREDIT CARD, THE PAYMENT CASHED BY WELLS FARGO AND LEFT A SMALL BALANCEBUT ABOUT XXXX WEEKS WELLS FARGO STATING THE CHECK GOT REJECTED BY XXXX XXXX XXXX, I TALKED TO XXXX XXXX AND THEY SAID IT WAS CLEARED ON THIER END, I EVEN SENT AND FAXED A COPY OF THE CHECK TO WELLS FARGO, THIS ISSUE IS STILL NOT SOLVED, I EVEN HAD WELLS FARGO AND XXXX XXXX ON XXXX WAY CALL AND STILL NOTHING 

Company response: Company chooses not to provide a public response