AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am being constantly harassed by the law firm Frederick J. Hanna & Associates in XXXX, Georgia. I had a debt two years ago, where I reached an agreement with the original creditor XXXX XXXX XXXX Bank to pay the principal in a lump sum, and the rest would be forgiven due to my financial circumstances. I have not received any communication from the original creditor for over two years, then suddenly in 2015 I started to receive constant and harassing telephone calls from the attorneys at Frederick J. Hanna & Associates in XXXX, Georgia saying I owed a debt for an amount that is much larger than the original balance that was resolved. I have contacted the law firm several times asking for PROOF of the amount owed and I recorded a representative saying " he only worked there '' and as a collection agency he did not know how they came up with the amount I am being sued for. So my understanding is that you can constantly harass a young woman by telephone, mail, take them to court and expect them to pay an amount that as a law firm you can not show proof or a breakdown of what is supposedly owed?!?!?! I have other recordings to show that Frederick J. Hanna & Associates in XXXX, Georgia were not trying to resolve the matter ; after constantly contacting them or leaving messages I was hung up on or my calls were never returned. I asked my original creditor to provide proof of the debt owed and they could not. I was told the account was closed. I sent the law firm an Answer to their lawsuit denying any debt was owed and asking for proof of the debt. For the firm in return to respond and ASK FOR THE SAME THING?!?!? Frederick J. Hanna & Associates in XXXX, Georgia is the law firm suing me, constantly harassing me and expect for me to give proof of a debt resolved OVER TWO YEARS ago when they can not ; it is ridiculous. The law firm is causing emotional and academic damage due to the bullying tactics. The numbers do not add up of what they say I owe, and when I called them to try to talk to them, the lawyer only argued with me and would not show evidence of the exact amount. I have recordings and physical evidence to show the INCOMPETENCE and LACK OF EVIDENCE the law firm has of the debt I " supposedly '' owed. Frederick J. Hanna & Associates in XXXX, Georgia are sharks and need to be stopped!!!!!!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Repeated calls to myself, place of work, all my family members saying there was a formal complaint in their office and that I would be served today ... today ... today. Never have been served yet. I told them I would love to take it to court. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America. Not a good option for XXXX XXXX military. 

In XXXX XX/XX/XXXX XXXX on active duty. Just before XXXX I replaced my BankAmericard Cash Rewards Visa. I had automatic bill pay setup for the account, but it did not carry over to my new card. I was not warned against this when I changed my card. Due to the fact that I was XXXX I did not receive my statements in a timely fashion so I did not see that I had an outstanding bill of approximately {$95.00}. Unknowingly my account went into delinquency. 

I noticed this - not from BOFA - but when I checked my credit to find a delinquency. In XXXX I noticed my credit score dropped XXXX points because my BOFA account was past due. Note : BOFA took no steps to notify me, except mail a statement that did not reach me because I was XXXX. The last time I had spoken to BOFA I understood that I had recurring billing set up. I immediately paid the minimal balance and requested that BOFA remove the negative report since it was their fault due to recurring billing fault. I addressed the issue with Bank of America and they did nothing. When I returned from XXXX in XXXX XX/XX/XXXX I noticed I still had the negative report. Since the beginning of XXXX I have spent countless hours on the phone attempting to speak to someone to fix this. The failure of their automatic payment service is the reason why this payment was late. They did not email or call. This is terrible treatment for someone that has limited access to communication because of XXXX service. 

I strongly warn XXXX military to find other banking services. 

Company response: Company chooses not to provide a public response
Consumer complaint: A debt collection agency had applied a fraudulent debt that does not belong to me. This debt belongs to a person I have never heard of, from a town I have never lived, and in reference to a hospital I have never visited. I only first learned of this debt, when I applied for a student loan and was denied due to having " a bill in collections ''. Since I am certain I have never had a delinquent bill in collections, I checked my credit report which listed this fraudulent debt, along with the identity of another person who may have used my social security number. The debt collection agency had never contacted me to verify this debt belongs to me, or to let me know that they were trying to collect payments on this fictitious debt. This has caused me immense harm as now I can not receive a student loan so that I may finish my last semester of college. When I called the debt collection agency they had told me to call the credit bureaus to get the full account number ( of the fraudulent debt ) then call them back. I received the account number, called back and was told " could not speak to me '' because I was not the name on the account. They realized at this point that the information they have is fraudulent, and was applied to social security number incorrectly. I asked to speak to a supervisor, at this point I was hung up on. I called back and asked immediately for a supervisor, the supervisor told me I should try calling the hospital where the debt originated and then ended the call. I then called back the next day, explaining how this debt is fraudulent, was never verified, and that i expected the debt to be removed immediately, the man told me his supervisor would call me back that afternoon and never did. The name on my credit report ( from XXXX & XXXX ) lists the name and address of the person who apparently stole my identity, their address, their employer, and phone numbers. The XXXX report also has my name incorrectly listed as having a middle initial of 'XXXX ', I XXXX name. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Ebay floods inboxes with offers to " sell for free '' " list for free '' after the consumer falls for the deception and sell an item they are hit with a bill for the seller fees. When contacting ebay they explain that " It does n't matter what the email title says, if you read the small print you 'll discover that they are only waving the {$0.00} listing fee. 

Ebay also floods inboxes with email that state " sell a ____ ( in my case a smart phone ) by a certain date and get a {$25.00} ebay gift card. in the small print you 'll find that the card will be issued at ebays leisure usually within XXXX weeks, and the card must be used by the date on the card. what they do n't disclose is the date on the card will be XXXX days from when the email is sent. 

I fell for both of these deceptions, while selling my iphone. I would never have used ebay if it was not for the email that said " sell for free '' and the " sell a smartphone by ___ and get a {$25.00} gift card '' was a bonus. 

After the sale I went fishing for a week upon returning home I found I was hit with full seller fees and the gift card was expired by the time I even knew I had it. 

In disputing this with ebay they were unwilling to see the error of deceptive marketing. how ever they did offer to settle for 50 % which was {$17.00} and change, I told them to use the gift card that I never got to use, and was told I cant use promotional gift cards to pay this debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I filed Chapter XXXX bankruptcy in 2008 and all creditors, secured and unsecured were included. The bankruptcy was discharged and shortly afterwards, XXXX of the unsecured creditors " appears '' to forward the account to a XXXX party collection agency, with a different account number than the original XXXX. This same discharged account has been passed on to at least XXXX other XXXX party collection agencies, since the bankruptcy was discharged. I made an attempt to contact the XXXX party collection agency a few days ago, and other than the individual on the other end of the phone being very nasty and derogatory towards me, she said there was nothing she could and provide her proof that the account was placed in bankruptcy. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Called XXXX medical center to make payment arrangements on a bill that I owed. Payments were set at {$25.00} a mnth. The last payment I paid was XXXX/XXXX/15. I got a letter in the mail on XXXX/XXXX/15 from National recovery agency stating that my account was forwarded to this office for collections. I got no notice of this and could n't understand why I was sent to collections when I pay on my bill. I owe XXXX on my bill and they want to divide it up into 3mnths. and also charge me XXXX fee. I told them I could make the {$25.00} payment but they cant accept that. Plus I 'm not paying a fee. XXXX should pay the fee since they sent my account there for no apparent reason. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was offered a letter from XXXX XXXX to pay my account for the amount t of {$350.00}. I advised the customer service representative if I go to XXXX XXXX I can make my final payment for the amount offered to pay in full, I would be in good standing and would not owe on my account. I have always made my payments to XXXX XXXX. The customer service rep states that would not be a problem my account would be in good standings with a XXXX balance. I also advised I had a death in the family and got sidetrack due to planning the arrangements. I paid the payment, and ask the customer service Representative if she could waive the late payment as a courtesy the rep said she would and I was at a XXXX balance. I also let the customer service rep know that I would be moving out of county and that is why I wanted to pay my account off in full, so I would not have to worry about any bills due. Fast forward a XXXX years I have a report from XXXX XXXX I owe them more the {$700.00}. I called them regarding this matter and they would always advised me they could not assist me since the account was sold off and would have to contact the creditor that purchased my account. I called each creditor and was given the run around stating they could assist me since the account was sold to another company. I submitted several documentation stating that I paid my bill and submitted proof of payment from my checking account and also submitted documents from XXXX XXXX I had a XXXX balance the late fee should have been processed and taking care of by the customer service rep. I tired to do the correct steps to issue this off my credit report. Can you please update my credit report since I do n't owe any balance to XXXX XXXX or any other creditor. Can someone please call be back with an update of my case when this is removed off my credit report. I also submitted more info to the creditor with the documents that can support this claim and complaint. I do have the documentation to submit to you, but my system does not allow me to attach the sheets. Can I please forward them to you using email? 

Thank you, XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a paid state tax lien on my Experian credit report that should be removed. Attached is a letter from the State of Georgia with explicit instructions to cancel from record. Please remove this entry from my Experian credit report to adhere to the Fair Credit Reporting Act. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received a phone call today ( XXXX ) from ( XXXX ) XXXX stating they were calling to collect a debt from XXXX from XX/XX/XXXX. When I asked to verify what was purchased, she stated because the debt was so old, they would n't have that information. She said the company was " contact calling ''. I refused to communicate any further without proof of purchase, as it was almost 20 years ago. Do n't call me again. 

Company response: Company chooses not to provide a public response
Consumer complaint: This involves an attempt to collect on an auto insurance policy which was wrongfully cancelled. Emails and notices validate such then XXXX XXXX XXXX XXXX XXXX XXXX, has continued trying to collect when their own agent cancelled the policy and has reported differing amounts as being owed. 

Have send several notices, some even by certified mailings the claimed debt was disputed, have emails more than a year ago to agent about the wrongful cancellation and agent even stated to bank representative coverage was active while it was not, but still I was being billed. 

Have sent notices requesting written correspondence only and to stop calls because of health conditions and still getting as many as XXXX calls per day, calls on XXXX morning before XXXX. This claims is against XXXX XXXX as well as CCS Collections Services. 

Thank you 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I owed Original Creditor : XXXX XXXX, approximately, {$890.00}, however, that was in 2001. 
I received a letter yesterday, attempting to Collect on this " Over '' 10year, debt.This debt doen not even appear on my XXXX Credit report. Would you please " look '' into the Validity of this Nature, please. Thank-you, sincerely, XXXX XXXX XXXX. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Hello, I 'm having some trouble with bank of America ( my mortgage lender ). They admitted to their mistakes but when it came to fixing my credit from their mistakes they are giving me the run around. I had a auto draft system in place to pay my monthly bills and had no lack of funds at all times. But for some reason bank of America did n't take the mortgage payment off the auto draft, and said we defaulted on payment ( XXXX times ) and our credit was dinged XXXX times because they did that. I 've had this loan for more then XXXX years and have always been on the auto withdraw payment system and never had a problem. I 've always had sufficient amount of fund so i did n't need to ever bother to check. They said originally it was due to lack of funds but we showed the statements that we had sufficient funds. Through many difficult phone conversations, which were recorded by them, ( after speaking with the supervisor ) they finally admitted their wrong doing but they said they ca n't do anything for us in fixing the credit dings. They just gave us an XXXX number to do it ourselves. Id like to report them to you guys because they are not helping us at all clearing those defaults on my credit which was put on incorrectly due to their faults. There were sufficient amount of funds and when they forgot to take it out they made it like it was our fault. the funny thing is they later on did go ahead and took the money like XXXX days later and then again did n't take it out the following XXXX months. this is so frustrating. I 'm signed up as auto withdraw and had sufficient amount funds. what more must I do. I do not want them to just get away hurting my credit scores. 

Company response: Company chooses not to provide a public response
Consumer complaint: I called Bank of America to determine how I could get current on my account since I have been principally unemployed since XXXX/XXXX/2014. I was told I needed to pay approximately {$3000.00} or agree to a debt consolidation agreement with an outside agency. I explained that I only remain delinquent on this account, which was a joint account that somehow was transferred solely to me. I asked about any other program and I was told no and this was my only option. I was then hung up on. The agent was unaware of the effects a debt consolidation and account closing has on credit and FICO scores. Bank of America is pushing debt consolidation with an affiliate in order to make more money which I believe is an illegal practice. They are refusing to allow me to keep current and has applied {$300.00} in payments to fees which they add every month. 

Company response: Company chooses not to provide a public response
Consumer complaint: The original creditor submitted bills to a wrong address in my name. Upon finally receiving the bills from the addressee in error ( a resident on my street ), I contacted Americollect through letter explaining that The billing address was incorrect and I 'd submitted payment to the creditor, XXXX XXXX XXXX. This collection still shows current on my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My complaint is somewhat complex and involves the practices of Citibank who issued me a credit Card. I made charges on my Citicard ( number ending in XXXX ) and my Balance was {$8000.00} approximately two years ago. I cut up the card and they wont give me all the numbers over the phone so I only have the last XXXX. I entered into a debt management program with a non-Profit agency recommended by the XXXX County government ( XXXX of XXXX County ) which required a 4 year Agreement with all my credit Cards being paid-off at $ XXXX month. The total credit card debt was approximately {$35000.00}. Citibank was paid XXXX/month. No debt was forgiven, but the creditors generally agreed to reduced interest ( about 10 % ) and not to Charge any fees. I made all my payments of {$880.00} on time. In XXXX of 2014 I began receiving calls XXXX times a day from Citibank saying my account was delinquent and they had already made entries on my credit Report. After calling several Citibank departments I was told that a payment was made late in XX/XX/XXXX disqualifying me from the program and that my payments were delinquent after that because the new Minimum payment was more than $ 180 month. All kinds of fees were added to my Balance and they had changed the interest rate to 30 %. They said I no longer qualified for the program because of the late payment and they refused to participate in it anymore and said I had to pay them directly under the new conditions. They had never sent Statements like the other companies so I asked for past Statements and current Statements but they refused to provide them because they said that Statements are not available with the type of Card I have. In XXXX 2014 None of the other credit Card companies reported a late payment. I refused to pay them anymore without Statements and so now I just pay XXXX/month to the debt Management plan. Citibank now calls XXXX times a day even though I asked them to stop and I have to Change my phone number. I figure with the fees and 30 % interest not only have they wrecked my credit I was trying to improve, but the Balance is probably {$2000.00} higher than it was in XXXX 2014. The Penalty for suposedly being late on XXXX payment does not seem equitable. it seems like a scam to extort extra Money out of me. Can they use this as an excuse to just disregard the contract they made with me as part of the debt Management plan. What they are doing doesnt seem morally right. 

Company response: Company chooses not to provide a public response
Consumer complaint: Contact a car title company then received calls from Wilshire Consumer Credit unknowing they were a cold call marketing scam company where they indicated 9.5 % then came to deliver contract in the evening received documents showing an undisclosed percentage with check of {$2500.00} then they after received XXXX payments they stated I signed and initialed for 95 % annual interest rate and my payoff is more then borrowed unless I pay off after 24 months. After I contacted them they said other fees applied like daily interest rate along with payoff fees, administration fees, and only {$33.00} dollars go towards loan but the daily interests is charged XXXX. I need to see what I can do to fix this problem to get my vehicle cleared 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Mortgage ComplaintXXXX2015XXXX XXXX, NY XXXXEnclosed are the pictures of the XXXX when or where it was XXXX when it was raining. But I used part of the rental money to fix the problem. Now, the property is in good condition, the tenant are very happy to pay the rent and I am extremely happy to start paying the mortgage on a timely basis. 
Please note that I have been retired from my job for the last past 5 years. I do not file the Federal Income tax due to the fact that I do not pay any Tax. Obviously, I received Social Security Benefits of {$1200.00} and an additional retirement fund of $ XXXXXXXXThere is also an additional non co-borrower contribution of $ XXXX/month. 
From Social Security Benefit and the retirement the total amount is {$XXXX} and the non-co-borrower contribution is {$XXXX}. The total monthly income is $ XXXXXXXXCombine the rental income with what I received every month is : {$XXXX} + {$XXXX} ___________The total monthly income is : $ XXXXXXXXA loan modification would be beneficial to both of us. It would help me to get back on track and fulfill my obligation to Wells Fargo/The Lender as well as my other obligations. My home means a great deal to me and it is my desire to work with Wells Fargo to keep it out of foreclosure. Please advise me of all options available to avoid or stop foreclosure. I am anxious to reach an agreement and appreciate your assistance in this matter. 
I have sent the Award letter that I received from the Social Security Benefit, the XXXX and XXXX and the non-borrower information. 
If you have any other document you want to request, please feel free to call me at your earlier convenience. 

Cordially, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian refuses to re-investigate the XXXX negative accounts and refuses to remove them even though they are past the statute of limitations. Also how is it they are still in business and not being sued by federal government for violating the fair trade act? They are currently being sued by the state of Mississippi for violating it. They are harming peoples lives by not doing what they are supposed to. Disputing an item once and not doing it again even XXXX years later goes against the fair trade act. When you call they try to pitch things for you to buy. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company has been calling my residence every day around noon to inform me of a bogus civil filing against me. They want me to call their number to pay. I told them to stop calling me with this nonsense. That if in fact there is a civil filing and law suit to send me the civil filing and I will have my attorney address the matter. I have not received anything in the mail other than harassing calls and unethical letters saying there is a debt but no proof of where this is from. I do not owe anyone or any company money. My credit cards are to date with their payments along with all my bills. I have also filled a complaint with the Federal Trade Commission and Consumer Protection Services and the XXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: THIS IS NOT A DUPLICATE CLAIM. BLOOMINGDALE 'S CITIBANK HAS DENIED SEVERAL FRAUD / IDENTITY THEFT CLAIMS. PLESE SEE ATTACHED DOCUMENTS. I HAVE MADE MORE THAN XXXX ( XXXX ) REQUESTS FOR ACTIONS TO BE RESOLVED. NOTHING TO DATE HAS BEEN REMEDIED. 

Company response: Company chooses not to provide a public response