AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have received numerous collection letters in the past year. The letters indicate that I owed XXXX XXXX of California that they turned over to a debt collection service. I have contacted XXXX XXXX of California several times and have been told that my record is clear and there was nothing turned over to a debt collection agency. 

I have tried calling the number on the letter ( XXXX ) XXXX and have never been able to speak to anyone as it simply rings and no one answers. 

The letters come from several different addresses and the format of the letter often differs. It is almost like the communication is being cycled through different processes to make it appear it is being escalated. I have even received a letter that had an envelope which was blank including no return address and asked in the letter to write in the return address shown on the letter. 

I am convinced this is a scam 

Company response: Company chooses not to provide a public response
Consumer complaint: HI, The problem seems to be the fact that the reports do not show credit reports showing all payments have been made on time, there have been no late payments missed or late for as long as I can remember. 
There was reporting of my lease payments made every month for for the time i have lived here, for some reason that reporting stopped?, I have never been late or missed a payment ever, but the non reporting seems to have affected my score, in the credit report it shows that there were a few missed payments when i purchased my car, this is incorrect, I purchased the car in XXXX 2002 ( new ) car was paid in full in 5yrs, not one payment was missed or late. 
The other accounts in my credit life such as XXXX account, phone bills, all the normal everyday bills that do not get reported i have never missed or been late, but this system does not take any of that into consideration when reporting my score. 
I have taken pride in paying my debts on time, there have been no derogatory reports, no negative anything, but yet the transunion report, and the others continue to show a few missed payments in the car purchase, account is paid in full and closed years ago, no reporting on on time lease payments going on 4 years now, never late, never missed a payment, this reporting just suddenly stopped for some unknown reason. 
I guess you can see i am a bit upset with this reporting system, the errors that are there, have tried to get them corrected by contacting the reporting agency 's, the fact that my banking and savings accounts are above average, because i closed a credit card account because i was not using it, my score went down, and it seems the only way to get it back to where it was is to get another credit card and go into debt, just does not make any sense to me!. 
Thank you for the opportunity to lay this out, really would not have to go through all of this if there was a accurate and efficient way of reporting errors that need to be corrected. 

Sincerely, XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: 1 ) On XXXX/XXXX/2015 received a letter in the mail that my monthly payment has gone up to {$220.00} form {$210.00} and my payment would be late if not received now by the XXXX instead of the XXXX.No notice as to why. 
2 ) Originally the loan was in my mothers name and mine, the payment was set for auto-pay out of her account.She past away in XXXX 2015. I contacted them and the bank immediately to let them know, and stop the auto pay on my mothers XXXX account. At that time I requested ( since I would be taking over the payments now ) that the payment due date be adjusted to accommodate my banking. They told me that they would have to finish processing my mothers death certificate first and then supervisor could assist me with that. When I called back and I was transferred to a supervisor XXXX he advised that they do not change the due date for any reason. And stated my contract stated that my payment was due on the XXXX of every month and I have a 10 day grace period so if my payment has to be received on or before the XXXX, or it would be considered late. I asked him considering that my mother was the primary on the loan and she pasted away, and was a good customer. If they would consider making an exception & adjust the payment due date. They said no. I also mentioned to them that I would also need a payment booklet, I still have n't received a payment booklet yet, and I always pay on or before the XXXX. I feel like this company is not following fair consumer practices. I feel like they are trying to make it look like I 'm making late payments when they are paid on time. They are not providing me with proper payment information as stated in their contract. To this date I still have n't received a payment booklet from them. It seems like they are trying to make it look like I 'm late on my payments. In order to make it look like they would have the right to repo my car. I do not trust this company. I 've always been a good customer paying on time, and I feel like they are being dishonest & trying to take advantage of me/ ruin my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: My identity was stolen in early 2000 's. I have an open case with the department of justice and they have arrested the woman that opened accounts in my name. I have filled out an FTC Fraud affidavit and sent it to the credit bureaus however they have not done their jobs and removed XXXX items. 1. XXXX BANK 2. XXXX XXXX JUDGEMENT. 3. XXXX BANKI Feel like Experian is leaving these accounts on the credit report so they can make more money off of the negative reporting. This is not only wrong but very unethical and illegal. 
I have sent XXXX letters certified and the accounts are still showing. Attached are my documents and letters I have sent the credit bureaus. Please investigate and fine this company for violating my federal rights. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been receiving threatening calls from XXXX XXXX. In their voice messages, they state that they are going to sue me and have me served with papers at my place of employment and at my home. In addition, they contacted my parents and disclosed all of the information regarding this " debt '' and told my parents that I was going to be sued. When I attempted to call XXXX XXXX to question them about their harassment and collection tactics, the case worker who refused to give me his name stated that my father was right about me, I never pay my debts and steal money. This is insulting and false on all counts. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was misled on the interest rate and money I would need to pay back. I borrowed {$300.00} and each month only {$10.00} to principle. This month I owe {$170.00} and my payment is {$61.00}. XXXX dollars towards principle and {$51.00} in interest. This is outrageous. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My identity was stolen in early 2000 's. I have an open case with the department of justice and they have arrested the woman that opened accounts in my name. I have filled out an FTC Fraud affidavit and sent it to the credit bureaus however they have not done their jobs and removed XXXX items. 1. XXXX BANK 2. XXXX XXXX Feel like TransUnion is leaving these accounts on the credit report so they can make more money off of the negative reporting. This is not only wrong but very unethical and illegal. 
I have sent XXXX letters certified and the accounts are still showing. Attached are my documents and letters I have sent the credit bureaus. Please investigate and fine this company for violating my federal rights. 

Company response: Company chooses not to provide a public response
Consumer complaint: I rent a car from a company called XXXX. I got into a car accident. I never received an estimate for damages of car for 2 months from XXXX, towing company, and Autotrakk ( loan company for XXXX ). XXXX held my car for 3 weeks saying they would help me and transfer car to a financial plan towing place and it sat in a garage for 3 weeks, no response and get a last minute violation of contract. I was even told by them that they would fix the car for me and I would n't have to worry about anything. I then went to XXXX and asked for an adjuster for estimate of damages. 5 weeks no response. I waited 2 months and car is gone and I never got a financial plan or estimate for car to get a financial payment plan. I also went to XXXX & XXXX a few times and no estimate. I am victim of loan predation. I could n't even get financial plan to fix car and They have no idea where it is. I also have a contract unsigned by Auto Trakk for the loan. I also did my violate any contract and XXXX took advantage of me and held car for 3 weeks and sent a last minute contract violation. XXXX guarantees 2 week return on car. They are a company that leases card that you pay weekly and with a 2 week notice you return car. I feel taken advantage of. Also, they help you find jobs, it kind of is a hiring company. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Dear XXXX XXXX am writing to tell you I 'm trying to work with you on my debts with you but it 's not working outI have XXXX ( XXXX XXXX ) and I can hardly do anything throughout the day. This is my third week trying to write you. I 've got a friend helping me do this complaint that I hope will work. 

You have called me about my debts and it just catches me off guard and confuses me. Please stop calling it just stresses me out. I 've tried to work out payments online and it does n't let me. The last year has been worse than ever and I 'm just trying to work things out before I die. 

Company response: Company chooses not to provide a public response
Consumer complaint: ... XX/XX/XXXX, we leased a XXXX " XXXX '' through XXXX dealer " XXXX of XXXX XXXX '' and put down over {$9000.00}. We were given XXXX miles in the agreement. We returned the vehicle to XXXX dealer " XXXX XXXX '' in XXXX ( Now XXXX XXXX ) XX/XX/XXXX. The vehicle was inspected by the dealership and found to be unblemished and in very good condition. At the time, we were under the mileage limit by nearly XXXX miles and fully ( 2 ) two months ahead of the expiration date on the agreement! 
Without any hesitation, U.S. Bank, the leaseholder used by XXXX XXXX, refused to refund to us any of the $ XXXX dollars represented by the unused miles ( they charge XXXX for each mile OVER the agreed limit ... what about " undermileage? " ) .... and further, demanded the two months payments ( {$510.00} ), even though we had already returned the vehicle to them and were not able to use it. 
Further, they sent us a letter demanding an additional {$1000.00} ) for alleged " wear and tear '' their own personal inspector claims was found on the car. 
We were surprised and saddened by U.S. Bank 's egregious and impersonal handling of their contract with us. There is never any excuse for such an " iron-clad '' enforcement policy of ANY personal agreement such as this! Their behaviour represents nearly {$3000.00} of costs levied against us, for which we received absolutely NOTHING in return. We are now told that U.S. Bank is no longer being used as a vendor of leases by XXXX XXXX. thank you! 

Company response: Company chooses not to provide a public response
Consumer complaint: I have reached the underwriting portion of obtaining a mortgage loan. My credit report was pulled from the XXXX credit bureaus. However, there is a discrepancy regarding my legal name with the credit bureaus. XXXX, XXXX lists my legal name correctly. Experian made my middle name into my last name and my last name into my middle name. My last name is just one letter. It 's an unusual last name. Experian refuses to change my name to reflect my legal name stating that their system can not accommodate one letter last names. Because of name discrepancy, the mortgage company has to disregard my Experian score and weigh heavily on my XXXX and XXXX. My XXXX score is currently XXXX. XXXX is XXXX and Experian is XXXX. I can not qualify for the loan program that I was trying to obtain. This is quite unfair. If both XXXX and XXXX can show my legal name correctly why ca n't Experian do the same. This is costing me extra money. 

Company response: Company chooses not to provide a public response
Consumer complaint: I reported a debt that I have absolutely no idea why it is on my credit report to all XXXX agencies. This debt is not accurate and I do n't know how it got here. It says I owe {$150.00} to XXXX XXXX. It says account was opened in XX/XX/XXXX and they JUST added it to my credit reports in XX/XX/XXXX. This makes no sense! I have an up to date and active cellular account with XXXX XXXX, so how in the world do I all the sudden owe money from 5 years ago?! I never once received a bill or a phone call from these people and since I have an ongoing active account with them, why would they never have mentioned this so called " debt '' to me. This is robbery. It is affecting my scores and I need it removed. I filed disputes with all XXXX agencies and I received an update through Experian so far. Experian, after XXXX hours, sends me an email and when I click on the link it says " updated ''. This should be deleted, not updated!!! I do n't even know what it 's for! I 'm upset and outraged that they are allowing this to happen. For the past few years I have never made a late payment or allowed an account to go delinquent so this is ridiculous. There 's not even a telephone number to contact this " XXXX '' account, so who 's going to help me? Experian did not help me and I need help! 

Company response: Company chooses not to provide a public response
Consumer complaint: I was sent a preapproved offer from XXXX. I applied the very day that I got the offer, and my application was denied for credit reasons. 

If I was preapproved, how can they deny me because of something in my credit report? Their approval was supposedly based on my credit report. 

Text from the denial below : Re : Your loan applicationThank you for checking your rate for a Best Egg ( R ) loan. We regret that we are unable to approve your application at this time, for the following reason ( s ) : Insufficient credit lines established on open revolving accountsLack of revolving account historyToo many inquiries in the last 12 monthsInsufficient available credit on all open revolving accounts 

Company response: Company chooses not to provide a public response
Consumer complaint: Drivetime incorrectly added negative information to my credit report stating that I had a late payment. I contacted them and requested that they remove it. Instead of completely removing it, they changed it to an older month but it 's still on my credit report. This is my XXXX car that I have financed with them and I have been a model customer for the entire time. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015 a request for modification review was sent to US Bank. On XXXX/XXXX/2015 at XXXX XXXX a call was made to US Bank - XXXX x XXXX and spoke with XXXX. The notes XX/XX/XXXX from processors were that docs were needed : co-borrowers signature and date on RMA, current retirement award letter and two months proof of receipt, and two months proof of receipt for SSI. On XXXX/XXXX/2015 these docs were faxed to the lender. Nothing had been received from the lender concerning addition missing documents until XXXX/XXXX/2015, where a voicemail was left for XXXX XXXX the processor after a letter stating that an updated XXXX form was needed. This was faxed to US Bank the same day. On XXXX/XXXX/2015 XXXX called in and advised of a new LIST of documents needed now. Stating that they need updated retirement award letter and a XXXX for co borrower - advised XXXX was received, but they want a separate one for XXXX, the co borrower. On XXXX/XXXX/2015 all the above requested documents were faxed to the lender. On XXXX/XXXX/2015 a third party attempted to get an updated but US Bank stated that the authorization had expired and could not speak with them. By XXXX/XXXX/2015 a new authorization was provided and faxed to the lender. On XXXX/XXXX/2015 a call was made to US Bank by the authorized third party and XXXX stated that we needed to add tax ID on third party authorization and that both borrowers need to sign the power of attorney to discuss the file. She was questioned as to why and she did n't know. A supervisor was requested and then the call was transferred to a line that rang and rang with no voicemail or pickup. Later that day the Tax ID number was added to the power of attorney and re-faxed it to US Bank. In the meantime no document stating of missing documents were ever sent to the attorneys office or the client. It was n't until XXXX/XXXX/2015 that the authorized representative from attorney 's office was able to speak with the lender and they stated that they were missing an updated award letter. The most updated award letter dated XXXX/XXXX/2015 had been previously faxed to the lender MULTIPLE TIMES at this point. Again this document was faxed same day to the lender. On XXXX/XXXX/2015 a call was received by the authorized XXXX party that the file was closed on XXXX/XXXX/2015 and a new submission was required. This is absolutely ridiculous. The lender played games not requesting all the needed documents at one time, but when documents were requested they were received in a timely fashion. There is absolutely no reason that a resolution should not have been reached by this time, let alone CLOSING the review. This review was handled haphazardly in a fashion to promote the foreclosure of XXXX XXXX 's home, when he has been doing everything in his power to attempt to work it out with the lender. 

Company response: Company chooses not to provide a public response
Consumer complaint: Complaint : XXXX XXXX XXXX : After paying to get my XXXX credit Scores and account information:1. Why is Transunion showing my fico score of XXXX, when XXXX shows XXXX, and XXXX shows XXXX? 
2. Why on my credit report is the foreclosed property from XXXX stillon Transunion reporting and it has been completely removed from XXXXand XXXX? 
3. As the consumer financial protection bureau knowsA : The mortgage abuses from XXXX and all banks and wall streetcaused this foreclosure and short sale nightmare. It was not causedby the millions of consumers in USA, or the millions living in XXXX. 
and XXXX county. 

4. Is Transunion willfully, maliciously abusing me and millions of other consumers? 
A : What criteria is Transunion using to have my fico score at XXXX vs XXXX? 

Company response: Company chooses not to provide a public response
Consumer complaint: I cashed a check through the mobile checking app of my bank, Bank of America, on XXXX XXXX of 2015. This was a check written to me, for the sum of {$300.00}. The app recommended i keep the physical check for up to 30 days before destroying it, so I put the check into my filing cabinet. 

At some point my ex-roommate went into the filing cabinet and stole that check ( along with other things ). Unfortunately, i did not notice the check missing. A month after I moved, on XXXX XXXX, 2015, he cashed the check at his bank. After the check cleared, the person who wrote the check to me, noticed the funds deducted from her account, and mentioned it to me. I explained that I had cashed the check back in XX/XX/XXXX. She found that the check had been actually cashed twice, the second time, fraudulently. She called the bank. They investigated the matter, and decided to take the funds from my account. 

After many calls, explaining the situation, the bank has not put the money back into my bank account, ( and i suppose, not to take it from my ex-roommate, who stole the check ). The person who wrote the check and I, even made a 3-way call with the bank, explaining the situation, yet it did not make a difference in the banks decision. 

I have since started a complaint with the XXXX Police Department, who is regarding this as a criminal investigation, against my ex-roommate. 

Company response: Company chooses not to provide a public response
Consumer complaint: In applying for a loan modification, Bank of America, I was told XXXX would be contacting me to help with the application form and any other paperwork needed for the process. I was sent someone, XXXX XXXX, 2015 who went over the docs and said he would be sent the next day XXXX. I called BoA on XXXX, and asked if they had received the paperwork and they had not, but that they fully expected them to be there in a few days. I kept calling for three weeks and no one could track where they were. I was anxious because the paperwork contained tax papers and copies of my bank statements. When I asked BoA to verify that the person was indeed who he said he was and legit, they had no idea how to track who had showed up. I left a message at XXXX. and a few days later they called verifying that the papers should have gotten to BoA. I spent several hours following up to no avail. Finally after three weeks, I was told me papers had been received, but they could n't tell me what the delay had been and where they had been. 
In the meantime, my request has gone to underwriting and they are again asking for additional docs, which could have been sent the first time around. 
I feel there 's a game being played in which I 'm given the run-around. 
Three years ago I had been given a modification, and there were many attempts to send papers, poor follow-up and no coordination between departments. It seems to be a strategy to make it really difficult and place arbitrary obstacles so one is discouraged from continuing. 
I had also followed up previously as to why I received the particular type of modification they gave me, and have never received any explanation. 

Company response: Company chooses not to provide a public response
Consumer complaint: Had a mobile home loan with Greentree. I divorced and mobile home was awarded to ex wife. XX/XX/2012 I was contacted by greentree that the account had not been paid in over 6 months. I made an agreement to pay the loan off for less than was owed. XXXX was owed, I payed half. In return for payment it would be taken off my credit report. I have tried to get them to comply with there agreement, they will not. Now that it is with Ditech they say they do not have any information on that and they are reporting XXXX written off. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was sent a letter in the mail stating I could be approved for a loan of {$6000.00} by XXXX XXXX XXXX. I went down to the bank to apply for the loan and I was denied. Upon further investigation I discovered that XXXX XXXX XXXX had requested my credit report XXXX times prior to them sending me a loan offer on the dates of ; XXXX XXXX of 2015, XXXX XXXX of 2015, as well as XXXX XXXX of 2015. I did not authorize any of these checks into my credit and I refuse to allow their inquires to have a negative impact on my credit score. The representatives at their location was incredibly rude and argued with me despite the fact I have the information on paper right in front of me stating they pulled my credit score on those dates. I can be contacted by phone at XXXX or XXXX. I can also be reached at XXXXXXXXXXXX. I will do anything in my power to dispute these unauthorized checks into my credit score and I would also like this information to be passed along to the XXXX as this has been done illegally against my will. Please contact me if you need any information from me in regards to this matter as I will be more than happy to provide it to you. 

Company response: Company chooses not to provide a public response