AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Hello my name on the Transunion credit report has my name as XXXX XXXX XXXX. I do not have a middle name. My full name is XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: In early XXXX 2015, I applied for a home loan at the Wells Fargo XXXX XXXX with XXXX XXXX. To this date I have not received any letter, phone call or email as to the status of my application. I understand if I did not qualify for amount requested ; however, I do expect a notification as to why or what amount if any I qualified for. It has been over 5 months and I believe my application was bluntly discriminated against ; I am protected under the Fair Lending Act. I was told to get a second signer because with my income I did not qualify, when I got my father to agree to be a co-signer my application was still denied. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been harassed, called before XXXX my time, been harassed even after I obtained and Attorney for Bankruptcy, called name ... .The list go 's on and on 

Company response: Company chooses not to provide a public response
Consumer complaint: International Collection Systems, Inc. of XXXX XXXX XXXX XXXX, AZ, has called repeatedly, sometimes XXXX times per day, and sent threatening letters to my address, as well as contacted my extended family in order to collect a debt. The language used over the phone was threatening. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: First National Collection Bureau sent me numerous letters on behalf of the original debtor and a settlement offer which I accepted and PAID IN FULL XXXX weeks ago. I requested a letter of clearance be sent me and I was assured it would be sent in the postal service. I never received the letter. 
XXXX weeks later, I requested the letter of clearance be sent via email and was assured it would be within XXXX hours. It was NOT. 
I called XXXX today, XXXX/XXXX/2015 requesting it and was told it would be later today. It was end of business today when I called. 
NO SUCH EMAIL CAME! 
I am doubting whether the company even applied the payment to clear my debt or whether they are even legitimate. 
I WANT THIS LETTER because it is listed on my credit report and I requested that XXXX XXXX and XXXX remove it after it was paid. It is still in my credit reports. 
I do NOT have the letter of clearance to provide the credit bureaus and it is affecting my credit score negatively. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: FAURWAY KEEPS CALLING IN VIOLATION OF T.C.P.A. SEVERAL NUMBERS CONTACTED SINCE XXXX LIKE : ( XXXX ) XXXX, ( XXXX ) XXXX & XXXX, ( XXXX XXXX & XXXX, ( XXXX ) XXXX AND ( XXXX ) XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There is a charge that said XXXX then a creditor took it and charging me for debt i do not have. 

Company response: Company chooses not to provide a public response
Consumer complaint: A bank fraudently claimed ownership of land that isnot there property. In an attempt to sell a home they rippeddown posted signs, removed a house trailerand sold it, and trespassed. They refuse toreturn any phone calls and will not talk to lawenforcement. They are attempting to sell a propertywithout a proper land survey, then leave the messto my family and the new land owner in an effortto make a quick profit- this is fraud. The Bank is Sun Trust. 
The land has been in my family for about 100years with well defined borders. The addressis next to the banks land at XXXX XXXX XXXX PA. I have attempted to call SunTrust 18 times, they will not respond. I filed a policereport with the State Police, but they hang upon law enforcement and refuse to answer anyquestions. They hired a people to illegallytrespass, rip down posted signs and stealproperty- an RV home. This all is an attempt toile a quick saleand profit before law enforcement can react. 

Company response: Company chooses not to provide a public response
Consumer complaint: AARGON Agency , Inc will not reach out to research this account not consider any of my documents from an ID theft I experienced while living in a XXXX XX/XX/XXXX. I have sent them my insurance card for services rendered in XXXX XXXX and a police report for the ID theft on the XXXX XXXX services while living at the shelter that is also attached to the dispute on my credit report - AARGON said they will NOT look at those documents ... It is real frustrating how these collection agencies can easily attach an unconfirmed account, especially since the new debt collection laws have taken place in the state of NEVADA. Please help me in the matter, I feel XXXX three times over and have the documents to prove that I do not owe this debt to XXXX. I have also sent these same documents to XXXX XXXX XXXX today ( XXXX/XXXX/XXXX ) to the attention of XXXX - whom is the PT Accounts Services Manager. Research and review of these documents you will notice that my name is partially my maiden name and married name ( XXXX ) on my supporting documents. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX 2014 I became a XXXX American veteran, which granted me a tax exempt status for paying escrow taxes on my mortgage. My mortgage company is LoanCare. I have repeatedly sent them letters ( XXXX to date ) to contact my local tax assessor office and to cease paying tax escrow. To date they have refused to respond, nor have they stopped taxing me. Thus far I have paid hundreds of dollars into tax escrow that I am legally exempt from. 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit dropped XXXX points for a XXXX collection that do n't even exist!! I contacted XXXX and was informed there was no balance on the account and that the credit agency has made a mistake!!! 
I gave XXXX all my info ( account number & social security number ) they looked up my account. ..which by the way is over XXXX years old and said there was NO BALANCE on the account!!!!!! Someone made a mistake and now i have to suffer the consequences with MY CREDIT SCORE DROPPING!!!!!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I called today to inform the credit agent XXXX ( male ) to please submit my dispute to report the correct Account History field to read, " Debt included in Chapter XXXX Bankruptcy was filed, and reported to XXXX XXXX XXXX in XXXX XXXX! Experian continues to report incorrect information on my credit profile. Experian is not properly validating the true file date of my BK-XXXX to be XXXX XXXX to be reflected onto the ACCOUNT HISTORY field of my report, but keeps reporting the incorrect BK-XXXX date as XXXX XXXX, XXXX. The credit agent, XXXX flat out " refused '' to put in my request to validate and confirm the correct BK-XXXX file date to XXXX to show XXXX XXXX and NOT XXXX XXXX and not reflect any late payments prior to filing BK-XXXX is WHY its very important to change the Account History date field on my credit report. Please make the necessary corrections, this is to stay on my file until XXXX XXXX, and I want the revision completed immediately! I have submitted documents from their database to show the discrepancy and to fix it right away. I have also left a message ( XXXX, for XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX to make this correction and re-insert this account back onto my account that was not supposed to be deleted off of my XXXX report # XXXX, dated XXXX/XXXX/XXXX. it 's not supposed to be removed off any of my credit reporting accounts. Why are these companies getting away with violating FCRA laws? I am tired of the deceit and unlawful credit reporting that is done behind my back! These credit reporting agencies and XXXX XXXX has created costly damages to my credit scores that I will not be able to regain nor recover from XXXX XXXX. According to their letter dated XXXX XXXX, XXXX, XXXX XXXX was to re-insert the trade line - it was not done and does not show in my XXXX report at all ... ... Will you please assist me in this matter? Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I, XXXX XXXX XXXX give permission to work my credit case file to get resolution to this matter. I called TransUnion today to inform the credit agent to please submit my dispute to report the correct Account History field to read, " Debt included in Chapter XXXX Bankruptcy was filed, and reported to XXXX XXXX XXXX in XXXX XXXX! TransUnion continues to report incorrect information on my credit profile. TranUnion is not properly validating the true file date of my BK-XXXX to be XXXX XXXX to be reflected onto the ACCOUNT HISTORY field of my report, but keeps reporting the incorrect BK-XXXX date as XXXX XXXX, XXXX and is not true data. The credit agent is to see if my request can be validated and confirm the correct BK-XXXX file date to Regional Acceptance to show XXXX XXXX and NOT XXXX XXXX and not reflect any late payments prior to filing BK-XXXX is WHY its very important to change the Account History date field on my credit report. Please make the necessary corrections, for this is to stay on my file until XXXX XXXX, and I want the revision completed as soon as possible! I have submitted documents from their database to show the discrepancy and to fix it right away. I have also left a message ( XXXX ), for XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX to make this correction and re-insert this account back onto my account that was not supposed to be deleted off of my TransUnion report # XXXX, dated XXXX/XXXX/XXXX. it 's not supposed to be removed off any of my credit reporting accounts, and is to stay on my report until XXXX XXXX. Why are these companies getting away with violating FCRA laws? I am tired of the deceit and unlawful credit reporting that is done behind my back! These credit reporting agencies and XXXX XXXX has created costly damages to my credit scores that I will not be able to regain nor recover from XXXX XXXX. According to their letter dated XXXX XXXX, XXXX, XXXX XXXX was to re-insert the trade line - it was not done and does not show in my TransUnion report at all ... ... Will you please assist me in this matter? Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear sir/madam, as I was going through my credit report on Experian and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX and Another company called XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX and XXXX, Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX and XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay dept in the sum of {$45.00}. The dept I did not own, the dept that does not have my name on it. 
After that they came up with another name XXXX with same account number XXXX stating that I was owing them {$200.00} This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. 

Dear sir/madamI want your office to go through my credit report to verify my statement. my credit report has so many names I do n't know where they came from. I contacted EXPERIAN AND TRANSUNION REGARDING THIS MATTER, all they said was that they can not remove those name because some companies like XXXX and XXXX reported some account to my credit report with the names. 
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number XXXX and Experian kept saying the investigation stated that the account was mine. 

THIS IS FALSE INVESTIGATIONin the year 2013 when I wanted to open online account with XXXX, the man who spoke to me from XXXX told me that someone already opened the online accountwith my social security which I have no knowledge of who that was. Then the XXXX representative later cleared it off and created a new account for me. I want your office to investigate all these because I have filed so many compliant regarding the information on my credit report and most of the company claim they investigated the case which I knew all their so called investigations was not done right. 

Company response: Company chooses not to provide a public response
Consumer complaint: I, XXXX XXXX XXXX give permission to assist me in this matter that I am submitting today. I have called today to inform the credit agent to please submit my dispute to report the correct Account History field to read, " Debt included in Chapter XXXX Bankruptcy was filed and reported to Regional Acceptance Corporation in XXXX XXXX! XXXX continues to report incorrect information on my credit profile. XXXX is not properly validating the true file date of my BKXXXX to be XXXX XXXX to be reflected onto the ACCOUNT HISTORY field of my report, but keeps reporting the incorrect BKXXXX date as XXXX XXXX, XXXX. The credit agent at XXXX is making an attempt to fulfill my request to validate and confirm the correct BK-XXXX file date to Regional Acceptance to show is XXXX XXXX and NOT XXXX XXXX, which should not reflect any late payments prior to filing a sole petition alone and without my husband to correct my BK-XXXX is WHY its very important to change the Account History date field on my credit report. Please make the necessary corrections, this is to stay on my file until XXXX XXXX, and I want the revision completed as soon as possible! I have submitted documents from the credit reporters database to show the discrepancy and to have it fixed right away. I have also left a message ( XXXX ), for XXXX XXXX XXXX of Regional Acceptance Corp/BB & T XXXX XXXX to make this correction and re-insert this account back onto my account that was not supposed to be deleted off of my XXXX # XXXX, dated XXXX/XXXX/XXXX. it 's not supposed to be removed off any of my credit reporting accounts, and is to stay on my report until XXXX XXXX. Why are these companies getting away with violating FCRA laws? I am tired of the deceit and unlawful credit reporting that is done behind my back! These credit reporting agencies and Regional Acceptance has created costly damages to my credit scores that I will not be able to regain nor recover from XXXX XXXX. According to their letter dated XXXX XXXX, XXXX, Regional Acceptance was to re-insert the trade line - it was not done, and does not show in my XXXX report at all ... ... Will you please assist me in this matter? Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: According to the FDCPA, I contacted the collection agency Receivables Performance Management ( RPM ) and asked it to verify an alleged debt. RPM did not verify the debt. Nevertheless, RPM continued calling me several times a day and as of today is reporting an unverified debt to XXXX, XXXX and XXXX in flagrant violation of the law. 

I attaching copy of my letter to the collection agency, asking it to validate the alleged debt and the receipt showing that I sent the letter via certified mail with signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency or the original creditor. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear sir/madam, as I was going through my credit report on XXXX and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX and Another company called XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX and XXXX Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX and XX/XX/XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay dept in the sum of {$45.00}. The dept I did not own, the dept that does not have my name on it. 
After that they came up with another name XXXX with same account number XXXX stating that I was owing them {$200.00}. This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. 

Dear sir/madamI want your office to go through my credit report to verify my statement. my credit report has so many names I do n't know where they came from. I contacted XXXX AND TRANSUNION REGARDING THIS MATTER, all they said was that they can not remove those name because some companies like XXXX and XXXX reported some account to my credit report with the names. 
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number Transunion and XXXX kept saying the investigation stated that the account was mine. 

THIS IS FALSE INVESTIGATIONin the year 2013 when I wanted to open online account with Transunion, the man who spoke to me from Transunion told me that someone already opened the online accountwith my social security which I have no knowledge of who that was. Then the Transunion representative later cleared it off and created a new account for me. I want your office to investigate all these because I have filed so many compliant regarding the information on my credit report and most of the company claim they investigated the case which I knew all their so called investigations was not done right. 

Company response: Company chooses not to provide a public response
Consumer complaint: This law firm is attempting to collect on a Tax debt that has been " Closed by the Federal Government '' I 've attached a document that indicates this. I 'm tired of receiving letters from them. I 've sent them proof of this but they continue to harass me. Please find the document which backs up my claim. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Robo calls and agent leaving messages on my answering device, attempting to collect a debt from a person unknown to me, I have repeatedly stated I do not know this person named XXXX XXXX and to stop calling, this company refuses to stop and desist, and I want criminal charges for fraud against them. I do not know of the person or debt by this person. Company : Credit Protection, left contact numbers Phone No 's, ( 1 ) XXXX ; ( 2 ) XXXX, using their account number stated as XXXX, website I think stated as XXXX. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I financed a truck with my now ex-husband. In my divorce I received the vehicle and was making timely payments until I lost my job. The finance company came and got the vehicle. I paid what I was behind to get the truck back. After picking it up I discovered that the transmission had been destroyed in the towing process and would cost me nearly {$4000.00} to repair. The finance company and towing company refused to help me resolve the issue and I sent the truck back. The finance company now says I owe more than I originally financed, claims to have sold the vehicle but refuses to provide me with documents showing in detail what it was sold for and what I owe. They call me and harass me every day and still refuse to provide me with documentation, even though it has been nearly a year since they originally picked up the vehicle. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was overdrawn by {$150.00} in one Bank of America account and due to fees, am now overdrawn by {$800.00}. Without the fees I would be able to pay off my debt without issue, however I do not have the means to pay the exorbitant fees that have been tacked on to this balance. I would like to be able to work out a way to equitably resolve this debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX has posses a 7 seven year old bill on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, my name is XXXX XXXX. 
On my Credit Report is showing that I owe XXXX XXXX XXXX {$520.00}, I spoke to them several times ( more than XXXX I believe ) and all they do transfer me from one department to another ... .they have no idea what am I talking about. I went to XXXX XXXX XXXX office twice, they told me they will resolve the problem. Up until today it 's still showing on my TransUnion Report, but back in XXXX 2014, I agreed on paying them {$270.00} and they XXXX told me going to close the Collection. I wish I never settled with them because the charge was wrongful to begin with. I work in Finance, and my partners told me it 's my mistake to settle with them. 
XXXX even sends me appreciation letter for being such a loyal customer. I ALWAYS PAID MY ACCOUNT IN FULL AND ALWAYS RETURNED EQUIPMENT WHEN I WAS MOVING. Today I googled XXXX phone number XXXX XXXX XXXX XXXX which is showing on my credit report, I assumed its a collecting agency ( but still Original Creditor says is XXXX XXXX XXXX ). To XXXX agent I 've provided my ss # and my name and they found no information, nothing! Earlier today I also contacted FCC.gov who were not able to help me either. I am so extremely upset because its significantly affecting my credit score and this collection does n't even belong to me. I am looking forward for your response, and do n't think I need to start legal action against this matter. 

Thank you 

Company response: Company chooses not to provide a public response