AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Common Wealth Financial has previously been notified that the debt is from Identity theft. They deleted it in from XXXX, but on XXXX XXXX, 2015 they reinserted the debt in my XXXX file. XXXX different collection agencies reported the same debt on my credit files within 30 days. XXXX/XXXX/2015 XXXX reported it. XXXX/XXXX/2015 Common Wealth Financial reported it. XXXX/XXXX/2015 North East Credit & Collect XXXX inserted the same bad debt on my XXXX. There is no way XXXX debt collectors can have a legal right to pursue XXXX bill at the same time with XXXX of them listing it 15 days apart in the same month.. Commonwealth Financial has the XXXX debt SEPERATED into XXXX accounts instead of the total being listed once. I 've spoken to the original creditor they tell me it should be listed as XXXX account number, NOT XXXX. They 've separated it to do as much damage as possible to my credit scores. The same {$1300.00} bill had been listed as {$3500.00} in my reports.Why would they remove from XXXX bureau then at a later date report it another? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was laid off from my job and then found a new one. Paid all my debt off but it still shows the debt as being there. 

Even though I have paid all my debts I can not get a car loan. Seems absurd that someone that has always done well has a drawback and can never recover because of this system. If this system is what is going to be used to determine my future then it should be correct. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX, payed bill, received a letter from them stating " paid in full letter '' yetthe account still shows in my credit report as opened. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contact Navy Federal Credit Union on Saturday, XXXX XXXX, 2015 regarding Fund Payment withdrawal from my account from XXXX XXXX XXXX for {$86.00}. They closed the account and issued me a new bank card and when I try activate the card it wo n't it system directed me back to Customer Service Representative were XXXX XXXX indicated there 's a automatic hold on activation of the card because my account is over draw. When do that stop the Credit Union from Activating your bank card when if it overdraw I ca n't use any so why they feel need to prevent me from using the card this way is this policy and Federal Regulations 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I went on line filled out all the correct information to receive my free credit report. XXXX gave me my report the other XXXX bureaus would not. Without all XXXX reports I can not use this information to take to my bank. I answered all the questions correctly. It seems to be a scam that if I can identify myself correctly with XXXX the others should comply. There should be XXXX portal. Now that I have used up my 'once a year ' with XXXX and I do n't have the other XXXX reports I am stuck to wait XXXX year. They offered to give me a report in 30 days ... what good does that do? This is just a complicated way of not providing consumers what they legally have the right to. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a Bank of America credit card. On my XXXX statement, I show that I had paid my revolving credit balance in full and a bit more with no interest charges. For the XXXX statement period, I had paid {$700.00} less, bank statement showed that I had incurred {$37.00} in interest charges. For my XXXX statement, I had paid my open revolving balance in full again, but incurred more interest charges of {$63.00}, XXXX month in a row after having only XXXX calendar month of not completely paying the revolving balance in full once back in XXXX. Bank of America customer service dept 's service rep told me that the XXXX interest charges is a result of me walking into a banking center and making the payment and BofA taking time to process the banking center transaction, which is a bunch of baloney. With the service rep 's explanation not sounding right, we insisted on a manager, XXXX who eventually came on the call, to answer my question. He stated that the XXXX interest charge of {$63.00} was a result from a short payment back in XXXX. Okay we took that reply and we did further research and found out that not only were we charged in XXXX, but we were also charged in XXXX. We called back to the BofA credit call center and was told that the XXXX interest charges was also a result of the {$700.00} unpaid balance from XXXX. So we were charged XXXX for the same {$700.00}, given XXXX different explanations of the interest charges, and still have not resolved the issue of why there are XXXX interest charges when only once that the outstanding balance was short-paid ( short-paid balance was taken care of in the subsequent month ). 

Company response: Company chooses not to provide a public response
Consumer complaint: Applied for credit through the entity " Barclay Delaware ''. I have been refused credit for reasons i do n't see find satisfying ( XXXX 2015 ). After that i believe without consent or disclosure i attempted to open what i believed to be a XXXX and XXXX card which was also declined ( XXXX 2015 ). I have a concern about their ( Barlcay 's ) client disclosure policy. I believe, they are in violation of the federal law ( Fair Credit Reporting Act ) which prohibits them from collecting sensitive information ( Country of origin ) on ( All credit card applications ). 

Company response: Company chooses not to provide a public response
Consumer complaint: *I read the below today on XXXX. Below is the copy and pasted article. This exact thing happened to me with the Credit Protector Benefits. They were grossly overstated, not honored, and changed around without my knowledge on several occasions with both my primary Citi Bank Credit Cards. This caused me to lose credit rating points and ultimately prematurely unable to pay back my obligations because of this. I complained in detail through other third party agencies in the past. How can I see assistance formally through your agency? I saved all the detailed XXXX and Citi bank records in case this very thing happened to others. I was supposed to have debt forgiveness and extension options as part of the credit protector, which Citi refused to honor. How can I file a claim as stated in the below article? 

Article taken today from XXXX ; describing my same concerns court outcome : '' Citibank ordered to pay customers {$700.00} XXXX : '' The federal government on Tuesday ordered Citibank to pay {$700.00} XXXX to customers it said had been overcharged by the bank. 
The Consumer Financial Protection Bureau also ordered the bank to pay {$35.00} XXXX in penalties associated to the overcharging and for the bank 's use of " deceptive marketing '' techniques. 
The bureau said that XXXX XXXX customers will be compensated in the pay out, which includes XXXX XXXX people overcharged directly by Citibank and another XXXX XXXX customers of the bank 's subsidiaries. 
Between at least XXXX and XXXX, Citibank -- which is owned by Citigroup ( C ) -- enrolled those customers in credit monitoring services or programs promising to defer payments or forgive debt in the event of job loss or another financial hardship. 
But the CFPB said when the bank signed people on to those programs, it misrepresented fees and overstated the benefits. It also used " leading questions '' and " construed ambiguous answers '' in telemarketing calls, according to the bureau. 
Citibank has already paid some customers back. " Affected customers will automatically receive a statement credit or check and those no longer with Citi who are eligible will be mailed a check, '' Citibank said in a statement Tuesday. 
The bank said in a statement that it " fully cooperated '' with the CFPB investigation and the first repayments went out in XXXX. The company added that it has set aside money for remaining paybacks. '' 

Company response: Company chooses not to provide a public response
Consumer complaint: The Information listed on Transunion 's for both me and my husband 's credit report, list an address that is not, nor has ever been mine or my husband 's address. The address reported on Transunion 's Report is XXXX CO XXXX. 

Please correct our report by deleting the above address from XXXX our reports. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife gave birth to our son in XXXX, 2014, which was a high risk procedure and led to significant expense. We received numerous medical bills and thought we had paid all of them. However, XXXX remained for original creditor, XXXX XXXX, MD, which went to collections in XXXX 2014. The original balance was {$600.00}. My wife was contacted by the debt collection agency, Allied Collection Services, in XXXX, and they advised her that, unless she went into their office within 2 days, they would be forced to take legal action against her. She was understandably upset, so she went into their office, infant in tow, where they convinced her to sign several forms, including setting up a payment plan. She setup the payment auto-debit, according to their terms as they discussed in the office, and they withdrew a couple payments. However, in or around XXXX 2014, Allied filed suit and obtained a judgment against her, claiming she had not honored the terms of the payment arrangement. Upon review of the payment documentation, they required an initial payment of {$50.00} and subsequent payments of {$25.00} per month. My wife was led to believe that she only needed to setup the auto-debit for {$25.00} per month so she " missed '' the first payment. Upon securing judgment against my wife, Allied Collection Services secured a wage garnishment order against me as well. Upon being advised by my employer of the wage garnishment, my wife contacted Allied Collection Services to attempt to resolve the matter, but they refused to offer any reasonable alternatives ( other than payment in full along with significant additional collection costs ). My wages were garnished until XXXX 2015, at significantly more than {$25.00} a month. At no time did Allied Collection Services ever attempt to contact me prior to, during, or after garnishing my wages, which seemed like a fairly straightforward and simple thing to do. Nevertheless, I did not believe I had any option and allowed the garnishment to proceed. Upon completion, they secured enough money to nearly double the original debt. Further, although Allied had never made any contact with me, or attempted to do so that I am aware, they placed a derogatory tradeline in my credit file, the only such derogatory information in my credit report, and significantly impacting my credit for the next 7 years. I feel it is unconscionable that they were allowed to do as much as they did without first attempting to contact me. It was unconscionable that they created such a false sense of urgency for my wife when they knew full well that they could arrange a payment plan with her over the phone. It was unconscionable that they were so aggressive, so quickly after receiving the collection account, and that they said XXXX thing about the payment plan requirements but embedded different information in the fine print of the documents they pressured my wife to sign. And it is preposterous that I was forced to pay nearly double the original debt, which had not even been with them for 1 month at the time they secured judgment. 

Company response: Company chooses not to provide a public response
Consumer complaint: A few months ago I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within XXXX days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: A few months ago I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: TIME IS OF THE ESSENCE! 

XXXX XXXX has been determined to be XXXX by XXXX. XXXX has designated someone to deal with Wells Fargo on his behalf, to explain details. A form for designating this person needs to be provided by Wells Fargo. 

Wells Fargo Representative, XXXX XXXX? XXXX XXXX XXXX XXXX XXXX left voicemail. when that number is called, someone else answers. XXXX XXXX needs to not be given the run-around, but have assurance that his concerns are being addressed. 

A voicemail was left at the above XXXX XXXX # XXXX ) for a single point of contact with Wells Fargo . 
2 ) for a modification packet to be delivered to XXXX XXXX XXXX XXXX .. 
3 ) for a Wells Fargo form to be XXXX, in order to be signed by XXXX XXXX to have a designated person to assist with transaction details. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently applied to obtain my free credit report and I was told that I have already oreded one. That is untrue I have never ordered one for 2015. I suspect fraudulefraud on my account with ExperianI suspect someone made inquiries without my authorization 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a listing for a {$300.00} debt turned over to a collection agency ( XXXX ) but the debt was paid in full directly to XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I co-signed for my mother on an equity line with Wells Fargo. The total balance/payment came due {$23000.00}. The debt free family farm was up as collateral, so there was no other lien holder. I lost my job and used {$19000.00} of my severance in agreed settlement with Wells Fargo to payout the debt. The Wells Fargo bank representative suggested that I not continue the monthly payments, hence I was delinquent 30, 60 and 90 days while it was negotiated. My credit report states language from Wells Fargo like " customer settled for less than balance, account paid and closed. I have been denied refi by Mortgage companies and denied home equity lines and the reason given is " Short Sale ''. There was no " sale '' short or otherwise. We still own the farm. I sent tax statements and such to prove that we own the farm to this day. 
I am not sure how the mortgage underwriters are construing the situation as a " short sale ''. I have written the credit agencies to request that language be added, " this was not a short sale ''. The language was added " customer disputes ''. Disputes what? I dispute this was not a short sale. I have also written to Wells Fargo XXXX times and they have sent me the same form letter XXXX times with the same signature. Why does this interpretation happen? How is it determined? The words " Short Sale '' never appear in the credit agency reports?? I have a credit score around XXXX. I have about {$420000.00} in equity in my home. XXXX changed the regs in 2014 to call for a four year ineligibility for a mortgage for an equity line. Please help, do n't understand. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, I obtained a credit report for myself from Experian. The report shows XXXX potentially negative items & XXXXaccounts in good standing. 

On the same day, using Experian website, I started a dispute to remove a comment on my XXXX accounts with XXXX XXXX XXXX. Those were closed mortgage accounts but with a " consumer dispute .... '' noted on the accounts. They were all good standing accounts but with JUST one late payment reported and of which I did not agree. 

On XXXX XXXX, 2015, Experian sent me an updated report # 1. On the report, XXXX of the XXXX XXXX XXXX account, is NOW showing 15 months of 30 days past due and 1 month of 60 month past due. I called Experian and talked to XXXX who told me he would look into the matter. 

On XXXX XXXX, 2015, I got updated report # 2 from Experian. The negative items with XXXX XXXX from report # 1 were gone. But a new 3 months of 30 days past due and an unknown item now reported with another XXXX XXXX XXXX account. 

On XXXX XXXX, 2015, I called Experian and talked to XXXX who did not seem to understand my concern of the matter. I requested to talk to her supervisor and was told that the supervisor was not available and would call me back within 72 hours of business day. 

With no further response from Experian, on XXXX XXXX, 2015 I sent the company a certified mail requesting correction on the mistakes. And on XXXX XXXX, 2015 Experian sent me an another report ( # XXXX ). But the report is not updated and still showing the same mistake. 

I believe that Experian is responsible for the mistake as everything was okay until I requested the company to remove a 'consumer dispute ' comment from the closed XXXX XXXX XXXX accounts. Then incorrect information on the XXXX XXXX accounts are starting to appear. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent Trans Union a final dispute and verification request after they verified a item on my report. I quoted some a few FCRA laws that support my dispute to no avail. I need assistance on getting the proper results which will in turn not harm my personal image any longer. 

Company response: Company chooses not to provide a public response
Consumer complaint: A few months ago I sent some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband XXXX XX/XX/XXXX-XX/XX/XXXX with XXXX. He suffered from XXXX since XX/XX/XXXX. In XX/XX/XXXX, he died from XXXX XXXX the day after his XXXX birthday. He participated in VA health care. This was diagnosed by a private doctor, as XXXX with XXXX. We believe from exposure to XXXX XXXX. He died XXXX XXXX, XXXX. Left me a single mom of XXXX children. I have managed to keep our home by refinancing my XXXX mortgage. When he passed he has a home equity line for XXXX from Wells Fargo in his name alone. They cut off my access and told me I was not liable for the loan, however since I signed the Lien I would loose my house if I did n't keep up the payments. So I continued paying auto pay of XXXX a month, they would not discuss the terms just that I had to pay. The payment was approx XXXX. Now I find out 10 years later this was an interest only loan and balloons in XXXX XXXX. Now all of a sudden Wells Fargo is offering to let me assume the loan. If they would have let me do that four years ago I would have streamlined it into my va loan, which I ca n't do because it 's not my debt?????? 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX, I placed a Fraud Alert on at all XXXX credit bureaus with my XXXX cellphone number. I changed my phone number when I moved to XXXX XX/XX/XXXX. I understand that the credit bureaus do not keep phone numbers but that the Fraud Alert message has my old phone number. I have contacted all XXXX bureaus ( via phone and mail ) with no success to update this. The Fraud Alert is supposed to fall off in XXXX XXXX. 
Citibank Credit Cards is unwilling to provide me with a replacement card or close my credit card account because my current XXXX cellphone number does not match the Fraud Alert XXXX number. I was told by XXXX XXXX that the Fraud Alert should not affect existing accounts such as Citibank. Since Citibank will not close my account and will not give me a new card, I will be charged the {$95.00} annual fee but will not be able to use my credit card. I feel that this is unfair and they should at least allow me to close the account. 
I 've exhausted all my options. Please help. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wilson Riley and Associates keeps contacting me illegally. They are trying to reach someone else. They have left me intimidating phone voicemail messages with a case #. I 've told them repeatedly they have the wrong person and they refuse to stop harassing me. I am reporting them every place I can find! 

Company response: Company chooses not to provide a public response
Consumer complaint: A few months ago I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within XXXX days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than XXXX days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately. 

Company response: Company chooses not to provide a public response