AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Enhanced Recovery Company, LLCFind a LocationPhone : ( XXXX ) XXXX XXXX XXXX, XXXX, FL XXXXXXXXXXXX : //www.erccollections.comFax ( XXXX ) XXXX Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : Enhanced Recovery Company , LLC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX FL XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: my identity was stolen and accounts were fraudulently opened since people have been trying to collect on debts that do not belong to me that need to be removed 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: i disputed XXXX public records on my credit file with experian, XXXX district XXXX, XXXX co XXXX, XXXX, XXXX, XXXX, experian verified the information, experian said if i had questions contact the courthouse, so i contacted them the lady i spoke too said they dont verify anything with the credit bureaus, so experian didnt do a real investigation, thats fcra violation and the accoutns should be removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: A third-party debt collection agency known as Commonwealth Financial Systems , Inc., has recently contacted me in writing XXXX and alleged a {$810.00} medical debt as due. I dispute the debt. I do n't owe the debt, and all of my medical costs have already been paid by the Department of Veterans, XXXX office. 

I contacted Commonwealth Financial in writing XXXX by XXXX and XXXX. My written correspondence to Commonwealth was first on XXXX XXXX, 2015, and my XXXX on XXXX XXXX, 2015. I dispute the billing because all of my medical costs have already been paid by the Department of Veterans Affairs ( VA ) to the original creditor -- XXXX XXXX XXXX XXXX located in XXXX, WI. 

I wanted Commonwealth to validate the debt, but Commonwealth is either unwilling or unable to validate the alleged debt. Worse, the collection agency, Commonwealth, mistakenly entered an adverse collections account information into my XXXX credit report about this unvalidated alleged debt. Equally important, Commonwealth entered the adverse information on XXXX XXXX XXXX, which infers there are XXXX alleged debts for the very same amount to the same creditor, instead of XXXX alleged debt. A duplicate-entry error by either Commonwealth or XXXX. 

I 've initiated an on-line dispute with XXXX a few days ago, and called attention to the XXXX adverse records which are precisely XXXX and the same. XXXX has not concluded their own investigation, because it was only recently submitted by me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have applied, qualified and have been wrongfully denied by my mortgage lender for a FHA Hamp modification with principal reduction from day XXXX. They have tried every trick in the book to set me up for a Train Wreck and foreclosure .I have filed over XXXX complaints which has done absolutely no good at all. Please tell them that I do not want the co arrowheads name on my new modification. Please tell them that I want and deserve to be treated with respect, I want to know all the details and a clear Disclosure before I sign and return this modification paperwork they sent me on XX/XX/2015, they tell me that if I do not sign and return before XX/XX/2015, I will not get another chance hamp offer of any kind and basically my home will be foreclosed on. They will not tell me what my new interest rate will be or how much I will actually owe on my home when the modification is finalized. They say that the x co harrower s name will still be on my new loan even though I have a special war amity deed, divorce decree giving me full responsibility and ownership, and a restraining order against him. 

Example: 

Company response: Company chooses not to provide a public response
Consumer complaint: My XXXX XXXX XXXX is financed through Credit Acceptance where I am the cosigner as I had to get my XXXX-year-old father to sign as principal after finding out I am the principal on my son 's XXXX XXXX truck I cosigned a few years earlier. This was done without my knowledge or approval ; I mean I will cosign for my kids but NEVER the principal signee but that 's another story. Since XXXX of XXXX after being contacted by my Dad that he was forced to make XXXX payments on this account to keep it current. At the time, I had missed XXXX XXXX XXXX payment & another one was n't due until the XXXX of XXXX XXXX. Okay, thanks Dad, paid him back & set up my automatic payment again. Credit Acceptance took another payment in XXXX so it was really ahead, then XXXX in XXXX on the XXXX & then the XXXX. I called in XXXX as I 'm a XXXX & can not afford their mistakes. They blamed this on having XXXX separate accounts set up even though they both came for the same & original bank account. I received a call on XXXX XXXX, XXXX where I was told I was again a payment behind ; they did not take XX/XX/XXXX payment for some reason even though these were once again submitted in XXXX XXXX. I made arrangements for their automatic payment representative to set this up once again, even being read their disclosure authorizing this. I also made sure all my info was correct as my father 's diagnosis of familiar XXXX XXXX XXXX was confirmed & wanted to be sure they had everything accurate. I stupidly enough thought all was well until Sunday evening, XXXX XXXX, XXXX ; when the repossession man was at my door to get the XXXX in the garage. Thinking everything was just a misunderstanding, I let them take it as I was also under the impression I had no other choice ... this money was just sitting in my bank account so it was no problem getting it caught up once Credit Acceptance was opened on Monday morning but, this came with a {$330.00} loss I am told is my fault for not making sure the payments were actually drafted. I 'm thinking, XXXX more payments & they know the principal signee has XXXX XXXX who was also NEVER contacted. This seems like a scam to me! 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2014, I paid a company called XXXX {$1800.00} and on XXXX/XXXX/14 I also paid XXXX {$4900.00} using my Wellsfargo debit card. 
The issue here is that I have been victimized by XXXX and XXXX along with several other companies and their blatant misrepresentations. The fact is that we did not receive what we were guaranteed I received a vague contract and were left to rely on the representative 's integrity. I told the sales person repeatedly that I did n't think we could do this and I were promised repeatedly that they would generate leads and get our business started ; I paid and trusted them only to be left stranded. This is a scam! The " XXXX '' was sold as a " business opportunity ''. I tried several times to get our money back and literally begged ; instead I received different sales people and a new sales pitch. I never received the services that were described at the time of purchase. I have looked into this company since then and found out that they have multiple complaints with the XXXX that sound exactly like our situation. This company has a long record of lying and taking advantage of people just like they did to us. 
Neither company has refunded our money. I contacted the merchant directly to no avail. These are NOT billing disputes. This is a matter of not receiving the products and services that were described to me at the time of purchase. Please have the bank investigate these charges so I can get my money back asap. 
THANK YOUXXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I was unable to make a payment online like I was able to a month ago in XXXX. This month it would not allow me to do so and insisted I include late fees or I would not be able to make the payment. I feel as if I am being discriminated against by this company. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: This formal complaint is due to a various trend of data breech issues that includes myself personally and other customers of Cash America. Cash America has failed to protect the privacy of their consumer 's personal data by neglecting to remove pertinent information from electronic devices in their care and by not doing so they have put me and the entire general public who conduct business with them at risk of identity theft and ongoing data breeches in more than several areas. This currently include but are not limited to SSN, birth-dates, personal emails, credit card information, computer login passwords, traceable cookies on all electronic, devices, banking information, direct access, to personal application such as XXXX and XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Although we initially applied for a home loan modification with h Bank of America over two years ago, we have never closed. They continue to jack us around. Do we have any recourse? 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/XXXX XXXX charged me in the sum of {$4000.00} for services to be rendered, on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX in the sum of {$1300.00} for services to be rendered, XXXX/XXXX/XXXX XXXX charged {$1300.00}, XXXX/XXXX/XXXX XXXX charged {$1200.00} and XXXX XXXX, XXXX XXXX {$3400.00} to my Wellsfargo card. 
The issue here is that I have been victimized by XXXX along with several other companies and their blatant misrepresentations. The fact is that we did not receive what we were guaranteed I received a vague contract and were left to rely on the representative 's integrity. I told the sales person repeatedly that I did n't think we could do this and I were promised repeatedly that they would generate leads and get our business started ; I paid and trusted them only to be left stranded. This is a scam! The " Virtual Platform '' was sold as a " business opportunity ''. I tried several times to get our money back and literally begged ; instead I received different sales people and a new sales pitch. I never received the services that were described at the time of purchase. I have looked into this company since then and found out that they have multiple complaints with the Better Business Bureau that sound exactly like our situation. This company has a long record of lying and taking advantage of people just like they did to us. 
Neither company has refunded our money. I contacted the merchant directly to no avail. These are NOT billing disputes. This is a matter of not receiving the products and services that were described to me at the time of purchase. Please have the bank investigate these charges so I can get my money back asap. 
THANK YOUXXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX I was in a car accident that resulted in my car being a total loss. My insurer requested a Letter of Guarantee from Ally Financial so that they would be able to send a check. ALLY requested an evaluation letter and a breakdown of the charges. The Insurer sent them the information that was requested in XXXX. Ally financial continued to delay ( Stating things were wrong on the evaluation even when things were sent over to them proving otherwise ) and did not respond to XXXX XXXX request for the Letter of Guarantee. Ally finally sent the letter of guarantee on XX/XX/XXXX and Ally received the check from XXXX XXXX on XX/XX/XXXX. Ally financial stated they are charging fees for late payments in the amount of {$720.00} and can not explain or show documentation of where these fees are coming from. I spoke with someone who claims they are financing fees but how can intrest occur on amount paid by the insurer. I have gap insurance which covered the reminder of the amount that was owed at the time of the accident ( XX/XX/XXXX ). I have reason to believe that ALLY Financial is defrauding the account. I and my insurer have tried to contact Ally Financial about this issue but continue to get transferred with no one telling us why these fees were assessed to the account. On top of that they did not tell us we owed any fees until XX/XX/XXXX. They also have reported to the credit bureau that I have missed payments and delaying my home buying process. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2014, I purchased a standard used XXXX XXXX from America 's Car Mart Inc. in XXXX, TN, for {$14000.00}. Today the XXXX XXXX XXXX price is listed at or between {$1500.00} to {$1700.00}. The annual percentage rate extended to me at the time was at 15 %. I 'm currently financing the vehicle in-house through America 's Car Mart. Since purchasing the vehicle I have made all payments on time ; however, I simply can not afford to continue making these high payments. For the first 3 months, I paid {$310.00} dollars every 2 weeks for payment, I currently pay {$240.00} dollars every two weeks for payment. I have 38 more payments before my last payment is due. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I contacted Enhanced Recovery Company LLC after i was attempting to enter into a new relationship with a mortgage company and discovered that this collection agency had an open past due account with the credit bureaus in relation to my ssn. I contacted the company via certified mail XXXX 2015. I received no response within the required XXXX days, so I informed the company via certified mail that they were in violation on the federal law FDCPA 807 ( 8 ). I began to call the agency multiple times as a desparate attempt to resolve this negative mark that is preventing me from my mortgage approval. I received the attached letter in XXXX 2015 and that is the last communication between myself and the creditor. I informed them with several letters and multiple phone correspondances that I need this account to be validated or removed NO RESPONSE! 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I went to sign in at annual credit report .com and in order to get all three reports i have to answer XXXX questions per a report. XXXX XXXX was fine. The next report I tried to get had XXXX questions, the XXXX question stated I had a mortgage and a loan amount. I do not have a mortgage and no monthly payment. The XXXX time I tried I selected the option ( none of these ) I failed to get in. Then I tried again and got locked out. I can not get my credit report because a mortgage with an unknown bank is on my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have sent TransUnion letter after letter for over 4 months asking them to verify the information they are reporting or remove it if they cant. They have repeatedly ignored me and sent me back my credit report saying they did verify it and wont remove it yet they sent me NO paperwork or information backing it up. 

Company response: Company chooses not to provide a public response
Consumer complaint: Paypal sent me a notice that my account was put on hold because a person with a similar name had a negative balance with Paypal. I called and explained that I was not that person and not responsible for this account. Paypal refused to de-link the other account unless I paid the negative balance. 

I tried to close my Paypal account, but Paypal will not let me do that until I resolve the other person 's past due balance. This is fraud and most certainly illegal under the laws of the United States. I am not responsible for the debts of another, and I am not willing to allow Paypal to keep my account active. I will use other forms of payment from now on. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I submitted a dispute with Experian regarding information on my personal credit report on XXXX XXXX, 2015 and shortly afterwards, they sent me a letter stating that they received a suspicious request. I called Experian and was informed that they would not re-open the investigation and that I needed to submit another dispute. As I am aware of the stipulations of submitting a XXXX dispute within 30 days, I waited until XXXX XXXX, 2015 and then submitted a new dispute regarding the same information. They did not respond at all to my dispute letter and I even provided them with the identification documents that they requested. 

Company response: Company chooses not to provide a public response
Consumer complaint: The mortgage was transferred from XXXX to green tree on XXXX XXXX. The same day a escrow summary was sent from XXXX saying we needed to pay a buffer of XXXX by XXXX XXXX or the mortgage would go up by XXXX dollars. Green tree has no records of this but shows the increase of the mortgage. They have no escrow rep other than customer service and do n't even have our latest escrow records. How can they have our mortgage and no escrow records? I 've talked to supervisors and no one will help us. And I Faxed them our own records out of pocket to try and get this taken care of before XXXX XXXX XXXX what We got was they would review it. We are running out of time. It 's very bad run company and they sent us a record when We complained saying We were disputing the debt. Like I was disputing the whole mortgage. We were not and it was a scare tactic. I 've lost my temper with them and been frustrated, I 've tried being nice, I 've tried to be considerate and it all fails. We just do n't understand how they are strong arming us for asking questions about the mortgage. 
The kicker is they tried to talk us into refinance at one point too. I just do n't know what else to do. They said they would take the buffer over the phone and waive the fee, but when I faxed the paperwork on XXXX XXXX no one called back. Then on XXXX XXXX I called and the supervisor would n't even get on the phone and they said escrow dept would have to review and they did n't know how long it would be. Effectively putting us past XXXX XXXX. I 'm distraught by this company and the lies, ineptitude, and general feeling of doing us a favor of taking our money. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have sent many letters to Experian over the last 4 months asking them to delete the information i requested from my credit reports UNLESS they could verify they were mine. They have sent me back my credit report stating they verified the information yet sent me back no paperwork. According to the FCRA if they cant really verify the information they have to remove the information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an out standing debt with Wellsfargo Bank and they just went into my savings unwilling and collected all of my savings leaving me in a financial hardship. They sent me a letter explaining why they did so I never knew they can do this. Their reason for doing this was called " right to set off ''. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank is refusing to refinance an existing loan to lower the interest rate and they refuse to do so unless I open a checking account or savings account with them. I had those types of account that I closed in the past. The supervisor I spoke with told me that I would need to open a checking and/or savings account and financed it before I can make application to refinance the loan 

Company response: Company chooses not to provide a public response
Consumer complaint: We are trying to get a refinanced mortgage, our rate is currently 5.25 % with XXXX XXXX. In the beginning of XX/XX/XXXX, XXXX XXXX from XXXX called us to see if we wanted a lower rate. We decided to check with other banks. Midwest Loan Services had our other mortgage prior to this house, so we called them.We talked to XXXX XXXX and went through the entire process, locked in rate of 3.125 % on XX/XX/XXXX. We received updated rate lock & good faith estimate on XX/XX/XXXX. On XX/XX/XXXX we received Approval with conditions form. On XX/XX/XXXX we were notified via email by Midwest that the Completed Appraisal report was received. On the same day we also received an updated GFE & truth in lending report. On XX/XX/XXXX we received an email stating that the property was not acceptable as collateral per XXXX guidelines as it is a manufactured home. Back in XXXX when we first started this process, we check with someone at Midwest in the department that handles manufactured homes and what is needed for it to be considered eligible property and we had everything that they stated and what is written in their website. 
Since this has happened the rates have risen a lot and that means $ XXXX of dollars and extra years of mortgage payments. We do n't fall under the HARP or other home preservation program that we are aware of because it was built in XX/XX/XXXX. 
My main issue is that Midwest stated on both their website and on the phone that they service manufactured homes yet after the entire process they inform us that they do not give mortgages for manufactured homes. We would n't have wasted XXXX months and all the hours of paperwork if we would have known this in the first place. We would have just refinanced with XXXX XXXX. Thank You 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX, NC XXXX are the accounts that are fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX # XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX /XXXX XXXX / XXXX XXXX 

Company response: Company chooses not to provide a public response