AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: In XXXX 2015 i accessed my free credit report and noticed a Medical bill. I have disputed the bill every mmonth since then 4 times. XXXX and XXXX removed the innaccurate collection. XXXX is still reporting that i have a collection. I have called Account Resolution Services multiple times and asked them to validate the debt and provide more information which they have not done to date. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 'd filed a previous complaint about Best Buy. Was told if I opened acct to buy XXXX XXXX, it would only be {$25.00}. Several months ago they began dumping interest and fees, {$1900.00} bal ( limit {$2000.00} ) they took to over {$2500.00} in just few months almost {$100.00} mo payment. TV per their site isnow worth {$250.00}. Each month they told me diff story ; sent me an agreement, told had 30 days to appeal. Asked them to explain and if it would put $ XXXXmonth back. They said I had to wait to see XXXX bill, but that would be after 30 days! My XXXX Bill just came in and it 's still almost {$100.00}, balance {$2700.00}. I told them heavy medical bills, ca n't pay {$100.00}, only {$25.00} as i was promised. Keep telling me diff stories as they pile up fees and interest. Wife borrowed $ to pay XXXX in full, thinking in XXXX we 'd be back to {$25.00}. Best Buy will not take any responsibility for scamming us, and will not work with us. I offered to give tv back said no. I asked that restart the balance to around {$1900.00}, XXXX which is still outrageous for this tv and a few other sm items in the trash ), but was willing to settle for that if they reset monthly payments to {$25.00}, which is what we were promised it would be. My wife is partially XXXX, we are both senior citizens. Can you give us contact information for someone who CAN help us? We of course ca n't afford a lawyer. My wife went to doctor and XXXX XXXX way up because of Best Buy. Please help. Thank you very much. We feel we 've been scammed and worst, now they might ruin our credit, and maybe insurance and other bills will skyrocket. That will be completely destructive for us. My former complaint # # XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: My home mortgage loan was recently sold to a company called Loancare out of XXXX, Virginia. The first thing they did when they acquired my loan was to increase the amount being held in escrow from the contracted XXXX of the total charges to an amount that is equivalent to XXXX of the total charges. Over the last month, I have repeatedly tried to get them to correct it via phone and e-mail, but they continue to ignore my requests. My total estimated escrow payments for the year 2016 are {$9300.00}. They want to hold {$3100.00} in escrow which is exactly XXXX. The original amount without the increase would have been {$2200.00} which is still over the contracted amount even without the increase. 

Company response: Company chooses not to provide a public response
Consumer complaint: Under CFPB complaint number XXXX, XXXX alleges that XXXX and/or Financial Asset Management Systems can run my credit report anytime they want. That statement is false. In addition, whoever wrote the response from XXXX to CFPB complaint number XXXX, does not know what they are talking about because they cited the wrong applicable law. They cited the Fair Debt Collections Practices Act. The applicable law is the Fair Credit Reporting Act in conjunction with the Fair Debt Collections Practices Act. It is a very fine line between being able to run someone 's credit report including mine whenever they want as a permissible purpose, and the action of re-running someone 's credit report over and over, including mine, constituting harassment. Financial Asset Management Systems pattern of continuing to run my credit report over and over constitutes harassment. The person who responded to CFPB complaint number XXXX from XXXX has no idea what they are talking as they cited the wrong law when responding to the issue of running someone 's credit report over and over, including mine. XXXX has a pattern of denying everything, just like they denied overcharging troops, which they did. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is the 2nd complaint about the same, unresolved issue. Let me start by stating that I do not think all the parties at SunTrust Bank are addressing or communicating with each other over this issue. The first problem comes into play that I did place a charge in XXXX XXXX for {$160.00}. Upon deciding that I did not want the service and did not like what was provided, I decided to contact XXXX XXXX and let them know to remove the charge. Between XXXX and portions of XXXX, I requested the merchant, XXXX XXXX, to remove the charge. Upon speaking with several of the representatives, the first of which promised to remove the charge, I thought this issue would be resolved. Not only was the money not refunded to me, but I was advised to take up this issue with my bank, SunTrust. I contacted SunTrust Bank on XXXX/XXXX/XXXX to place a formal dispute on the charge for {$160.00}. Once the dispute was placed, it took a very long time for credit to be issued. After contacting this agency and threatening with contacting the state attorney general, SunTrust issued the credit. The first complaint in reference to this was closed out when I spoke with XXXX at SunTrust. XXXX assured me that the dispute was closed in XXXX and the credit of {$160.00} was permanent. I assumed with the complaint being permanent, the money was mine and it was in the account. In XXXX XXXX, I received another letter from SunTrust Bank advising that the merchant responded to my dispute and was requesting that I provided the refund policy and other information to SunTrust in reference to the amount. We are already hitting the 4 month mark on this dispute and the unclear, XXXX letter from XXXX at SunTrust made this issue sound like it was far from closed. The money has been utilized for the {$160.00} and being told, after the 1st complaint against SunTrust, tells me there is a lack of communication between the Debit Card Fraud group and the executive group that handles these complaints. I have tried to call XXXX back on several occasions and I have left voice mails with her and in the general mailbox with no calls back. I was advised that I had to respond by XXXX/XXXX/XXXX in reference. I have no idea what I am responding to as I thought this issue was closed. This is causing a lot of aggravation, frustration, and an extreme feelings of disgust. SunTrust needs to get their act together. 

Thank you XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: This concerns case XXXX. We contacted you to let you know that someone at Wells Fargo named XXXX has agreed to review our case again. Today we received a load of documents from Wells Fargo. All the responses given to Consumer Financial by Wells Fargo is false twisted information. It was Keep Your Home California who advised us to contact Consumer Financial Protection Bureau on the State and Federal violations by Wells Fargo. Now Wells Fargo is retaliating for us going to Consumer Financial for help. All the Bank has been saying is very confusing because it does not make any sense. We received Federal help through Keep Your Home California and now Wells Fargo is using the funds as a severe weapon to manipulate us. XXXX XXXX from Wells Fargo got upset because we are using the word blackmail to describe their actions. But we know of no other word that describes what they have done to us so far. All the mixed up information that Wells Fargo has confused all agencies with, we happen to have a paper trail of documents from Wells Fargo themselves that show proof of their illegal activity and their continuous lies and contradictions. Wells Fargo is illegally threatening us with foreclose as we are now in modification. If they attempt to foreclose it will be the second time they break California State law that says a Bank can not foreclose while someone is in the process of modification. But that is no problem with Wells Fargo as they had simply said the first time they done this, " We take no responsibility '', we suppose they will say the same again in total disregard of the law. We do not know what Wells Fargo wants, nobody does! We have fully cooperated to the best of our ability to do what Wells Fargo asks but no one knows what Wells Fargo wants, not even Wells Fargo. We have asked for our rights from Wells Fargo in this case and have been constantly denied. Would Consumer Financial please ask Wells Fargo exactly what is it they want. This has gotten totally out of hand by Wells Fargo. Please advise how we could liberate ourselves from these inhuman representatives of Wells Fargo. 

Company response: Company chooses not to provide a public response
Consumer complaint: We had a HELOC ( Home Equity LOC ) with a company called " Specialized Loan Servicing '' ( SLS ) for ten years, which was paid off in full per their terms ( ten years maturity ) XXXX 2015. Our new lender and myself were in constant contact with representatives from SLS on the pending closing of our new mortgage. SLS was informed that the closing might happen a couple of days beyond XXXX/XXXX/15 due to additional paperwork required, but they understood, and stated it would not be a problem as they had their guarantee that the loan would be paid off. We paid this company for 10 years on time every month ( never late )! And I just received my credit report for XXXX/XXXX/15 and noticed my credit score had dropped about XXXX points ... .what! I have consistently held a credit score above XXXX and this company marked our last payment as late, which affected my great credit! I called them today and was told that I could sent a formal complaint ( by fax ), which I would get a response in 30-60 days! I am NEVER late on my bills and need them to remove this late payment, which was posted to my credit in error! Please help as this is the worst company I have had to deal with! 

Company response: Company chooses not to provide a public response
Consumer complaint: i was XXXX and paid a company called XXXX XXXX dollars.when i learned i had been taken i called my merrill lynch credit card for help.my visa card informed me i waited to long and they could would not help me.i was shocked because i called in advance and they told me they would look into it for me.when i called back to look for there help i was informed i waited to long they would not help me.seems like my merrill lynch visa makes there own rules. 

Company response: Company chooses not to provide a public response
Consumer complaint: Ditech mortgage refuses to report account to credit bureaus 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i received a letter from Citibank saying that they will close my account for some reason, I have done my banking with them for over 15 years with direct deposits and bill pay. I called to find out why and was advised to go a branch and was not given a reason why. all I needed is to know the reason behind the decision decision to close my account. I have not done any wrong doing, there are bank institutions wanting my business ... ..no wonder they are called " XXXX bank '' .. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed with Transunion to immediately remove and delete negatives collections on my credit reports and Remove and Delete the " Fraud Alert '' .Also Transunion are allowing unauthorize collections and many unauthorized hard inquiries and inquiries. 
Transunion and credit debtors collections can not attempt to collect any debts collections because l am on XXXX XXXX XXXX and Retired. 
Transunion is allowing collections and credit companies report collections on my Transunion credit report and also allowing collection and credit companies pull my credit without my written consent. 
Transunion.XXXX and XXXX are violating my XXXX XXXX Act Civil Rights Laws. 
On my Transunion there is over XXXX or more unauthorized hard pulls inquiries and inquiries that is affecting my credit scores. 
Also Transunion needs to remove and permanent Delete a Fraud alert on my credit Report immediately. 
I have requested by phone conversations from my cell phone number XXXX and Transunion Rep stated they remove it but when l checked my credit online, the Fraud Alert is still on my Transunion XXXX and XXXX. 
I requested written confirmation by emai and regular Postal Post office mail and l still have n't receive Fraud Alert deletions from my credit report. 
I am a Military Veteran. 
This is a Urgent Matters. 
My credit scores are suffering because Transunion XXXX and XXXX are allowing unauthorized hard inquiries and inquiries and collections on my credit reports. 
As of XX/XX/2016 my Credit scores with Transunion.XXXX and XXXX is around the XXXX mark. 
Consumer Financial Protection Agency can pull my credit and view all the issues on my credit reports with Transunion XXXX and XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are XXXX dates of service listed that are in collections. XXXX was paid by my insurance months ago. This was a bill from my doctor 's office. The second they are claiming is for the same date of service, and from the hospital. However, I was not seen at the hospital on that date ; therefore, the service is invalid. I confirmed with my doctor 's billing office that the actual date of service has been paid. I spoke with someone at the collection agency, and they informed me that despite what my doctor 's billing office is saying, this is a legitimate debt that I need to pay. I owe nothing. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: On Tuesday, XXXX XXXX, 2015, Bank of America 's Risk Management group closed my checking account for being overdrawn. The checking account was not overdrawn at the time. On that day, they refused a wire transfer deposit, refused a deposit at a branch, refused to provide any access to the account citing the closure by Risk Management. 

I spoke with various departments of the bank about the closure. Several people including the Debit Credit Card fraud and dispute department acknowledged the bank had made an error. They confirmed the account was not overdrawn at the time of the closure. 

The mistake occurred because the bank has certain automated tellers which accept large cash deposits, however because these tellers do not exist system-wide, there is not a method for operations to check if a large cash deposit has been made. Instead, the system assumes all teller deposits are pending. I made a {$1200.00} cash deposit at a teller and my receipt and my available balance shows the cash is available immediately. 

I have attached a copy of the bank statement which also indicates my account was not overdrawn at the time of the closure. Because the bank closed the account effectively on XXXX XXXX, XXXX, and refused my deposits the account was overdrawn on the next day XXXX XXXX, XXXX. 

Tha bank reported me to credit bureaus and this prevented me from being able to open a normal checking account as well as creating an adverse effect on my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: TODAY XX/XX/XXXX CITI CARD PUT MY CARD ON FRAUD ONCE AGAIN. IT HAPPENS EVERY HOLIDAY OR WHEN I CAN NOT HEAR SOMEONE AND IT GOES TO FRAUD AND VERY SCARY. IT I WAS OUT OF TOWN AND XXXX I WOULD BE STRANDED. I HAVE TO GO TRU XXXX ALL THE TIME. I AM FURIOUS. I CAN NOT HEAR. EVERY HOLIDAY THIS HAPPENS. 

Company response: Company chooses not to provide a public response
Consumer complaint: My Credit Report dated XXXX XXXX, 2015 is showing several delinquencies for late payment. These periods are a part of a XXXX modifications. My Bank of America contact person for the modification told me that they are fixing all these once the modification is approved but I still see these payments marked as late. I send a letter to the bank disputing the late payments because I was never late and they send me a letter telling me that the information that they provide to the credit report is accurate and that information is the same as the credit report that I was dispute with them several months ago. 

Company response: Company chooses not to provide a public response
Consumer complaint: As part of a divorce and bankruptcy proceedings in the Fall of XXXX, i notified XXXX XXXX XXXX that XXXX XXXX needed to be removed from the account before she filed for bankruptcy in XXXX of XXXX. Since i was no longer responsible for this account per the divorce agreement, this account was not included in the bankruptcy. I was sent a form, which my ex husband and i filled out and returned prior to her bankruptcy proceeding. 

Following the discharge of her bankruptcy late last year, I pulled her credit report. i informed my ex husband i was still on the account. During XXXX and XXXX he incurred several late payments, before paying the entire balance in XXXX XXXX The account is still reflected on my credit bureau along with the late payment behavior from my ex husband. 

My ex husband called on this initially in XXXX and was directed to a department that said this would be handled. He was told that it could take 30 days to correct. At this time nothing has been corrected. He called back and was told that they ca n't even transfer him to the correct department due to the fact that the account has been closed for too long. I was directed to address correspondence to this address. 

Barclays responded that there was not an error in reporting. They purposely have ignored court documents specifying i was no longer responsible for the account. This was communicated to them in XXXX, followed up in XXXX and then again in XXXX when i realized it was never corrected. 

i am a single divorced female with children trying to reestablish my credit after bankruptcy ( which was discharged in XXXX XXXX and should be removed from my bureau in XXXX XXXX - 7 years after filing ). The delinquencies from the credit card account i am referencing are leading to higher interest rates and increased auto insurance rates. We followed Barclays request for information and they have intentionally ignored court documents indicating i am no longer responsible for this account. I could have easily included it in the Bankruptcy in XXXX and not been responsible for the account but due to the legal documentation in the divorce papers it was not included. 

if you need divorce documents please contact me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received an alert via email saying that my credit score decreased due to a hard inquiry on XXXX/XXXX/2016. Upon review of my credit report, there is a hard inquiry from an auto dealership I have no knowledge of, and I never authorized this inquiry. TransUnion went on to say they can not remove this inquiry without a letter from the inquiring company allowing this inquiry to be removed. The auto dealership said they never pulled my credit report, they also informed me they do not use social security numbers to pull inquiries, in most cases. The customer name from the inquiry does not match my name, and her address is now listed on my credit report. I have never held residence at the addresses on XXXX XXXX. Neither companies are helping me resolve this error. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am trying to deposit to my BoA checking account ( BoA branch XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX ) for the amount of {$2400.00} ( {$2400.00} cash and {$30.00} in check ) and was told by the bank teller and branch manager ( XXXX XXXX XXXX ) that they would need to see my ID and SS # in order to make the deposit. I told them why they would need my ID and SS # since this is just simple a deposit no withdraw or check cashing and I have included my account deposit slip and they should have all the info they need. They told me this is a new law that BoA enabled recently for all cash deposit. I told them this the first I heard of this and asked for the statute number of the Act and they could not provide me one. I told them by law they would need to either disclose by mail or posted at the facility such as XXXX, CRA, or Fairling Lending Act. I fell that I was targeting, profiling and discriminated against based on my XXXX and XXXX. Please help ... 

Company response: Company chooses not to provide a public response
Consumer complaint: I pulled my Experian credit report and I have multiple fraudulent credit inquires on my report that need to be removed. My report number is XXXX. The following inquires do not belong to me and i have never applied to any of these I was a victim of ID Theft. 

The following inquiries are not mine : XXXX XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX XXXX/XXXX/15, XXXX/XXXX XXXX/XXXX/15, XXXX/XXXX XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX XXXX XXXX XXXX/XXXX/15, XXXX/XXXX/15 XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX Card XXXX/XXXX/15, Staples/CBNA XXXX/XXXX/15 THD/CBNA XXXX/XXXX/15, XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX XXXX/XXXX/15, XXXX/XXXX/15 XXXX XXXX XXXX XXXX XXXX/XXXX/15, XXXX XXXX XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15 XXXX XXXX XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15 

Company response: Company chooses not to provide a public response
Consumer complaint: I was serviced with a notice of wage garnishment and after repeated calls to my work I was placed on notice by my employer. I was involuntarily laid off prior to me becoming homeless and like I stated I have been at my current employer for less than 3 months now. I do not have money to eat or live and have documents to show so. I created a packet with all documents required and submitted all XXXX pages to the number on the sheet and addressed it to the company and presiding judge. And I have proof of this. I called General Revenue Corporation this morning and was transferred numerous times informed I was in the wrong department. Finally after waiting on the line for 15 minutes a woman by the name of XXXX tells me that I have to call the number XXXX XXXX which she stated is a " post claim '' number. I called that number and apparently that number is for direct tv. I do n't know if XXXX funds and General Revenue Corporation think it is funny to play with peoples lives like this or if you are purposely doing this to individuals who request a hearing but either way I will be filing a complaint and if someone does not tell me if my documentation has been received I 'm going to contact the media. If you wo n't provide me with the information maybe you provide it to them. I only have to XXXX/XXXX/16 to verify that my hearing request has been received and they refuse to tell me. 

Company response: Company chooses not to provide a public response