AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Although it has taken longer than anticipated to find the info, as indicated previously Experian has not complied with the class action settlement of 2014 ( XXXX Experian Information Solutions , Inc. ) which entitles class members to the free Credit Monitoring Product for a period of 3 years. 

Class Counsel : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Additionally, although I recently received a credit report ( from your efforts ), it did not contain my score ; as it should have if for no other reason than to show good faith for not providing free Credit Monitoring for over a year since the settlement. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Credit bureau refused to block fraudulent account information being reported on my credit report 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Credit bureau refuses to remove fraudulent information after receiving a FTC Fraud Affidavit. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: the website XXXX is NOT maintaining their " contact us '' form/email communication online. i tried to submit the following email to them and kept getting an error message : I forgot the date I last used XXXX, I reapplied, and it directed me to each individual credit agency website, they each turned me down and said*you have received a report in the last 12 months* you are not eligible yet. after the XXXX agency declined my free report, i was directed back to XXXX which said *thank you, please save the date and come back in 12 months* etc., my question is : WHEN AM I ELIGIBLE AGAIN?? i did not receive the reports today and did this attempt RE-SET my eligibility for ANOTHER 12 months??!!?? thanks. ( I signed my name here ) ****ps. I tried to submit this contact form 3 times while I was logged in, and it gave me an error message each time, then it logged me out and said to log back in. **what is the federal agency that regulates this company, where do I send a complaint? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: i signed of lease as a occupant over the agree of XXXX old which under law does not make responsible for the debt, prior collection agency removed debt because of the fact I do n't have legal responsibility for debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have tried to negotiate with the lender XXXX XXXX to modify our loan to get back to date. We have been applying for six years and the bank continues to deny my loan modification. The lender informed me that they will not even take my income into consideration. I am trying to take responsibility for my loan and the lender refuses to help me do so. Please help me since my daughter is XXXX ill and delicate and we can not loose our home for her. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The credit limit and and credit balance is being reported incorrectly from all XXXX credit bureaus for my XXXX account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I do not want this lender to contact me anymore period. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX opened a credit card with Barclay around XXXX XXXX using my personal information. I sent a letter disputing this debt to Barclay on XXXX XXXX. However, Barclay denied my fraudulent application to this credit card. I do n't have possession of this credit card or any information pertaining to this card. They stated that I am responsible for this debt. However, how can I be responsible for this debt when I have no knowledge of the credit card and it 's usage. I have not received statements or a copy of this application as requested. They stated that it is now a family matter because she is a family member. Even though it is a family member, it is still a fraudulent act of XXXX and Barclay for approving such credit card without verifying information. They refuse to do further investigation. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Continues to place calls to me at my place of employment although I have asked repeatedly not to. I spoke with a manager XXXX this time who continued to ramble on after I advised again that I can not receive these calls at work. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: IRS sent a notice of a tax lien. Upon the same date of making payment, XXXX/XXXX/2010, I learned that a tax lien was filed. Have not been able to get any help from IRS or credit bureaus as to why a lien was filed on the same day it was paid. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a notice dated XXXX XXXX, 2015 stating that the PayCard program issued by Elan Financial Services and provided through Beacon Credit Union was being terminated ; stating that I would not be able to add funds after XXXX XXXX, 2015 ; and requesting I use all money on my card before XXXX XXXX, 2015, the close date. The notice also stated that barring any communication from me, any funds remaining on my card at the close date would be escheated. At the time, I had ~ {$2700.00} on the card. I immediately went to my credit union to withdraw the remaining funds. I was told that I could not withdraw more than {$1000.00} at one time, and that there was a cash withdrawal fee. I took the {$1000.00}, made a few purchases, and later withdrew another {$1000.00}. 

With my account now being under {$1000.00}, I went XX/XX/XXXX to withdraw the remaining {$490.00}. However, the expiration date on my card was XX/XX/XXXX and I had not received a replacement card so I was denied access to my money. Because I did not want any remaining funds on the card to be escheated, the credit union called the number on the card in my presence and then gave the phone to me. The Elan representative first told me that she could have a new card sent to me, but that it would not arrive in time for me to use it. BIG HELP. I asked how I was supposed to get my money. She said any balance on the account would be sent to me by check in XX/XX/XXXX. I specifically restated and verified that statement, mentioned the possibility of escheat per the notice, and expressed my desire to avoid it. The representative told me I would get the check and that the funds would only be escheated if I did not negotiate the check. 

XX/XX/XXXX arrived, and no check. So I called the number on my card again, and the Elan representative told me that the balance had been processed and I would receive a check within two weeks. Six weeks later, and no check. I called again, and was told that the funds had been escheated and was given the email address XXXXXXXXXXXX ' to find out how to claim my money. Exactly what I did not want to happen had happened. I sent an email to the address I was given three times and it was returned undeliverable all three times. I called again and was told that the email address I had used was correct and that there was nothing more they could do for me. I have been checking indianaunclaimed.gov ever since, but my {$490.00} dollars is still not listed. 

Elan had communication from me and my address never changed. I was not unreachable. If they did escheat my money, they should not have done so. Their customer service reps gave incorrect information on three different occasions. I still do n't have my money, and I do n't know who has it. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Collector has called numerous times after being told repeatedly to stop calling. Now collector has automated calling system that calls daily. Collector threaten to revoke previously acquired government issued license. Collector has called family members threatening legal action. Collector and parent debt was never given family members phone # 's. Collector calls from different phone numbers each day. Collector has made repeated hard pulls on credit reports forcing score down. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Universal Acceptance is inaccurately reporting derogatory information on my credit report and failed to respond to validation and accounting request. 
On XX/XX/XXXX, I requested written validation of an alleged debt that Universal Acceptance claim I owe, but to no avail did they validate the date or even respond. I would like to request your help with a problem that I am having with Universal Acceptance. On XXXX/XXXX/2015 I requested a validation of debt from Universal Acceptance after disputing the illegit account with credit bureau and Universal Acceptance refused to remove the inaccurate information. The request was signed received by XXXX XXXX. I have yet to receive a response - their silence is their agreement to the facts. Universal Acceptance failed to provide me with a legal validation of this account under the rules of evidence and the FDCPA within 30 days 809. Validation of debts. I am demanding that Universal Acceptance delete this account from all credit reporting agencies, because they have not abided by the laws of the Federal Trade Commission. Also, Universal Acceptance failed to notify me about reporting derogatory info. In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after furnishing the negative information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had around XXXX dollars in my account. I wrote checks to cover bills. XXXX check was written for {$830.00} and the other was written for {$34.00} to XXXX XXXX XXXX checks went to US Bank on XXXX XXXX. The agent for the bank misread the checks. They thought the check for {$34.00} was fraudalent and returned it to XXXX.US bank cashed the other check for the wrong amount for XXXX 
I had written other checks thinking there would be no problems that also went through and US bank cashed them,, A few days later XXXX XXXX XXXX sent the check for {$830.00} through again. This time US bank cashed the check knowing I did not have enough money in my account to cover the amount. They coldly cashed this check ( with not enough funds in my account to cover it and I had no overdraft protection ), they charged me an overdraft fee of {$36.00} and a fee of {$25.00} for over limit fees. This took my checking account to - XXXX 
Seeing this improper behavior of the US bank system I called them and stopped payment on XXXX more checks. My account was overdrawn so I did not want anymore charges. US bank still took in a few more transactions they knew I did not have funds to cover and charged me more fees of {$36.00} and {$25.00}. This took my account to a negative XXXX Again, US bank knew I did not have funds in my account to cover any transaction! 
Days later I received notices from US bank acknowledging my stop payment transactions. I saw a check for {$62.00} that I had stopped payment on. US bank cashed this check in spite of my stop payment. This unscrupulous bank behavior has my account now overdrawn for XXXX Banks are supposed to serve customers not prey on them for fees! These bank behaviors are predatory and should be stopped! 
XXXX XXXX XXXX ( Nevada resident ) 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was a victim of fraud charges on my Macy 's American Express card from XXXX. I filed a police report and completed a Statement of Fraud that I was asked to complete. I received XXXX documents that could be found under documents on their site : 1 ) dated XXXX/XXXX/15 that stated that the fraud investigation had been completed and the disputed charges would be removed and 2 ) that stated as a result of my inquiry that I would be receiving a refund within 2 billing cycles. I received these refunds XX/XX/XXXX via electronic fund transfer and a check respectively. 

I received XXXX statements that again stated I owed these amounts. On XX/XX/XXXX, I contacted customer service and was told to not worry that I do not owe these amounts, and that the statements would be corrected to show this. I took off AutoPay, and closed my account completely. On XX/XX/XXXX, I received a reply to my question through their site about these amounts due and was told that the investigation was ongoing (? ) despite having received the letter that it was completed but even so I would not owe any monies while the investigation continued. An AutoPay was withdrawn from my bank account on XXXX/XXXX/15 for the amount of {$2500.00} despite all this. I would like my monies back. I have been dealing with this issue for almost six months. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My grandmother, who suffers from XXXX has been continually harassed by this so called debt collector ( I assume this because of the tone and threat of legal action, and after looking up who they were ), my grandmother had handed me the phone to talk to these people, knowing that there was nothing she can do considering my grandmother is a social security recipient, and that is her only income, and noticing the call had lasted for 40 min and was currently on hold, I hung up. The lady on the other line, immediately called back and initially refused to talk to me and asked if I was an attorney, I informed her no, that I am a family member and that my grandmother, XXXX XXXX, was going to give them permission to talk to me, at which point the lady on the phone got noticeably more aggressive and said they were then going to take legal action against my grandmother and hung up the phone. Their threatening use of debt collection practices disturbes me, as I am actually a former collector for a major bank and her behavior on the phone and lack of professionalism is something that is not needed, and mostly illegal in that industry. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: The credit agency IC system, reported the amount of XXXX XXXX, XXXX and it shows in my credit report that is negative and thats not the I owe. And i need for you to take that out of the credit report because its affecting it. I already paid the account i already paid the credit agency " XXXX XXXX. " The account number is XXXX Original Creditor Client Ref # XXXX, and the phone number is XXXX. The balance was XXXX which was already paid, but i need the agency IC system to take that off my credit because its affecting it, and they are n't the Original Creditors in which i already paid, my phone number is XXXX, Thank You. 

Company response: Company chooses not to provide a public response
Consumer complaint: navy federal credit union has been reporting information that was previously deleted on my credit file the information was attached to fraudulent activity in the year of XXXX no reporting or any validation of debt letters was sent to my addresss and then admititted thru phone conversations that they did not have the right address on file and still continued to report the information after me giving notice in writting as well as verbal communication to there recovery department then on XXXX/XXXX/XXXX reaged the information and reported it to XXXX as if the information had been reporting the entire time on my credit file. I had a converstion with a XXXX XXXX in there recovery department where i was rudely talk to as well as hung up on in my attempts to try and resolve the issue i also spoke with another coworker of the supervisor by the name of XXXX who was also a supervisor alerted her to the issue and told her that i have written in and called on several occaisions trying to get the matter resolved only to be told that there was no way that the information would be removed even if there where violations under my states fair debt collection pratices act and all informaation that they are reporting will stay the same even if i dont think its fair. Aftrer requesting to speak with the director by the name of XXXX XXXX i was told that no one there will be able to handle the issue and that i needed to put everything in writting again which i did and no one contacted me back. also there was no mention that they where seeking to collect on a debt that they had charged to profit loss without giving any notice that it was there intention on collecting on a debt and that it was in leiu of the communication. Also the account does n't belong to me as the account number doesnt even exist in there records but are still reporting the information after being communicated with knowingly that the information is wrong and that it was in violation of my consumer protection rights. After calling back to try and create a resolution i spoke with another worker by the name of XXXX and was flat out accused of lying and she accused me of commiting a creime acting in the capacity of an goverment official and that i was harassing them and that if i called back again they where going to get me arrested. Also the accounts that they are reporting in my name does not even exist which if there saying that they know the information as being accurate even though the information is not in there system. and the accounts there reporting doesnt exist. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I keep getting calls from ERC, which I see is a debt collector. The keep leaving messages on my cell phone to call them back. Thing is, I do n't have any debts. None. No credit card bills, my house is paid off, etc. I 'm not a debtor. Why do they keep calling my cell phone number over and over again? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 've attempted to set up several payment plans, I never get written communication verifying that payment plan and then when I call back they said it does n't exist or that I never paid and wont set up another one. They are very rude, they threaten, the make judgmental statements about you. I 'm willing to make monthly payments but they wont make the amount something that fits within my budget and they are now saying they will garnish my paycheck without letting me make payments. They are the worst company! I do n't even know why a hospital would ever use them! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX is mis reporting the date of last activity to Trans Union for my old LOC. The true date of last activity is XX/XX/XXXX ( showing correctly in XXXX ) however, on Trans Union it is reporting XX/XX/XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a USAA credit card. I received an offer from USAA for 0 % interest on new purchases until XXXX/XXXX/XXXX. I accepted the offer on XXXX/XXXX/XXXX. I had no previous balance forward on the card, and I paid the entire XXXX/XXXX/XXXX statement in full. On XXXX/XXXX/XXXX I was charged {$3.00} in interest on new purchases. On XXXX/XXXX/XXXX I was charged {$3.00} in interest on new purchases. Twice I contacted USAA to receive credit for the erroneous interest charges. Both times, the representative agreed that I should not have been charged interest. Both times, I was put on hold off and on for approximately 30 minutes. Neither time was the agent able to issue the credit. The second time I called, I was told that a ticket was opened with the IT department, and that it would be resolved. I still have not received the credit. This is ridiculous. I am no longer charging to this card because obviously they ca n't figure it out. USAA owes me {$6.00}, plus an hour of my life. & lt ; This account was recently converted to a XXXX account, which is the number I am providing. The interest charges were on the previous XXXX 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I have disputed with the credit reporting agency Experian with no help. While there are still a lot of errors on my Experian credit file I am not offered the opportunity to continue disputing the matters because they said the investigation were completed but the results remained the same so I do n't think that they invested throughly. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have owned a rental property in XXXX, WI ( XXXX XXXX XXXX ) for about 20 years. My XXXX mortgage holder is XXXX XXXX. I have a XXXX mortgage currently held by BMO Harris. This XXXX mortgage used to be owned by M & I Bank, until about 4 years ago. I have a {$40000.00} line of credit on this XXXX mortgage, and I have never missed a payment in all the years of that I have used this line of credit. For many years the balance was XXXX to XXXX. Last year, I badly needed a new roof on the property ( XXXX XXXX XXXX ) and I used the remaining XXXX for the roof. Soon after using the remaining credit, I tried to make a payment online, and the site would not allow it. I called customer service at BMO and they informed me that the entire balance ( XXXX ) was due at that time. From this point, BMO treated my case like a loan modification and assigned XXXX XXXX XXXX, Senior Real Estate Underwriter. After making many requests to keep my current line of credit and make payments like I have been, XXXX XXXX XXXX asked me to find a loan guarantor, in order to " re-do '' the loan. This is not an option for me, and I conveyed this to XXXX XXXX. She then suggested that I think about selling the property. This is also an option that is not realistic at the current time, considering the numbers. I am also worried about my credit score being affected adversely. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX treated my dog, overcharged me and they were paid in full. 

Company response: Company chooses not to provide a public response