AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My credit card was shut down without warning. It is an expensive card that I specifically purchased so could have access to airline lounges and collect frequent flier miles. There was a bonus of XXXX miles if I spent a certain amount. I called to see why I was shut down as I had paid in full ( and early ). I was told they could not give me any information while they investigated. I called the next day and was told it was an identity issue. I was asked to fax my license, social security and a bill with my address on it, which I did. I called the next day to get an update on the status and I was told I needed to add the back of the license and social security card, and only a utility bill would do. I refaxed all of those documents. I called back to see if it could be turned back on as I have travel I need to book, but was told that what I had provided was inadequate and there is an ongoing investigation into my identity and I needed to just wait. I asked if I could provide them with anything more and was told no. 

Company response: Company chooses not to provide a public response
Consumer complaint: While reviewing my credit report, I noticed that a collection has been reported on my file by XXXX. 
However, I respectfully dispute the validity of the debt.I request validation of this debt as required under Fair Debt Collection Act ( 15 USC 1692g ), and also, I am requesting that XXXX., provide me with all verifiable evidence, including but not limited to signed documentation by me obligating me to this unpaid invoices. 
Furthermore, I request that the Agency provide me with the name and address of the original creditor if the creditor is not the one listed above. 
To this extent, upon belief and information, this account is as a direct result of ID THEFT, as such I am not liable to the debt. I never signed or consented in anyway to this debt. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I paid my credit card balance of {$970.00} on XXXX/XXXX/16 due within the due date of the statement cycle and was charged interest of {$4.00} on XXXX/XXXX/16. They stated that the interest was charged because i had a previous statement cycle that was not paid off. Why would I get charged interest for paying the balance due for that month. My understanding is that this is not allowed under Regulation Z. Thanks 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was the victim of an identity theft by my ex-wife. She was charged with the crime and convicted and received probation. When we separated she stayed at the residence. She became involved with another person and they applied for credit everywhere using my identity and she wrote thousands of dollars in bad checks against our closed joint account. She started out making an attempt to actually pay the bills because she did not want to get caught. She told the judge that she had intended on maintaining the fraudulent accounts so she could have the credit, but she was afraid getting caught would affect our custody battle for my child. She was charged with the crime and made a plea deal admitting to stealing my identity, writing thousands in bad checks and fraud. I have gone back and forth with primarily Experian about this for years even providing them with proof that the identity theft occurred. I am the victim and I 'm still dealing with this, she is the criminal and got 18 months of probation. When Experian investigated it they said the accounts were set up from an address on my report ( I left the residence to her ) and also noted that some payments were made at first on the accounts which she admitted doing to the judge because she did n't want to get caught and was afraid she 'd lose custody of our child if she got caught. All of this is on record with the Superior Court of XXXX XXXX Georgia and the police department. Long ago I actually sent Experian a letter from the prosecutors office supporting the identity theft and still Experian did nothing to remove these identity theft accounts 

Company response: Company chooses not to provide a public response
Consumer complaint: This Is To Bring Under Your Notice That, I was Using Citi BankCard No. XXXX From More Than 7 Years, And When Today Am Trying To Use It For Online Payment It Declined My Payments. 
When I Got Its Reason From Its Executive It Was Really Very Shocking & Unethical On There Part That My Card Had been cancelled Without Informing Me & Without Taking Me into Consideration. The Reason Is Very Great ThatIf We Not Be Able To Use It For Few Months, They Make It Cancelled. 
We Expect Banks Will Only Stops Who are Bad Pay Masters. You People Really Made embarrassed While Using Your Card In Presence Of My Friends n Family. 
Previously I Had Inform Citi Bank For My Correspondence Address Changed In XXXX 2015, The Same Is Not Updated Due To New Aadhar Card Not Issued At That Time, Citi Bank Not Considered Landline Telephone Bill. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have paid XXXX ins. 1 month in advance since XXXX. STARTING in minnesota. I never heard of these clowns trying to collect/steal money NEVER owed. Outrageous stupidity, petty greed here. I told them to cancel my policy XXXX XXXX. My car was repossed XXXX XXXX XXXX. These clowns at this collection agency do n't know what there doing or what there trying to collect!!!! I do n't owe XXXX a XXXX dime. They owe me my 1 month in advance and/or any arbitrary fees for cancellation refund goes to me. Instead these XXXX insult my intelligence send this to a collection agency for {$88.00} ( {$10.00} ) of that is a fraudulent fee charged. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Northern trust of XXXX XXXX representatives habitually fail to respond to letters, certified or otherwise, about concerns with open issues in relation to my father, XXXX XXXX XXXX 's estate, turned over to Northern Trust of XXXX XXXX in XX/XX/XXXX. 

An E-Mail was sent to Northern Trust headquarters in XXXX on XXXX/XXXX/XXXX, asking if there would be someone who would be willing to discuss my concerns before a complaint goes public with the Consumer Financial Protection Bureau, the only response to which was an acknowledgement of inquiry, copy attached. 

There has been no response to a certified letter, addressed to the executor of my father 's estate at Northern Trust of XXXX XXXX, a copy of which would be attached, again documenting the open issues with the estate, as well requesting specific documentation required to perform an accurate accounting of my father 's estate. 

Consultation with several Florida estate attorneys resulted in complete assurance that as a beneficiary of the estate I have the full legal right to such documentation. 
Are you aware of any national investigative journalists who are, or might be interested in, investigating estate management companies such as Northern Trust? 

The idea that so much effort must be applied to simply request Northern Trust of XXXX XXXX to perform according to their legal responsibility would be oppressively offensive. 

My father who was an estate lawyer all his life must be rolling over in his grave after surrendering authority over his assets to Northern Trust of XXXX XXXX. 

The transfer documents for the sale and distribution of my father 's portfolio would have taken me less than a week to process. 

The sale of his condo could have been easily handled by a real estate agent. In fact the condo was sold to the only person who ever showed interest in the condo for {$60000.00} below appraisal value, without ever being publicly listed. 

That this matter drags on for sixth years would be an abomination. 

Company response: Company chooses not to provide a public response
Consumer complaint: The XXXX account was settled in full for the amount of {$300.00} final payment on XXXX/XXXX/XXXX to XXXX Case No. XXXX. There have been several different collection agencies over the last 6 months requesting payment on this account paid off and open before XXXX Who do I need to contact to stop the harassment? The last company called Piedmont Recovery called 3 times in on the same day. Each individual gave the same information of threatening to prosecute me in court ; in the same process refusing to accept documentation showing proof this is paid. This company only wants to make arrangements for payment of {$5000.00}, in which this account was settled with final payments of {$300.00} in XXXX. Piedmont Recovery is located at the address XXXX XXXX XXXX XXXX in XXXX, North Carolina XXXX. They can be contacted via phone at XXXX XXXX XXXX XXXX this is the number used to contact me and alternative number to reach Piedmont Recover is XXXX XXXX XXXX XXXX. For more information from Piedmont Recovery speak with XXXX XXXX the supervisor Manager according to XXXX XXXX XXXX 
XXXX Account Ref # XXXX according to Piedmont Recovery this was open on XXXX/XXXX/XXXX, but account was prior to XXXX, Piedmont Recovery Ref # XXXX. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Bank of America Refinance Home Mortgage sent me low rate refinance home mortgage notice by mail. 
So I applied and provided everything what they need for qualifying of me to get low rate refinancing. 
But he sent me following Email and want pay appraisal fee. 
" XXXX XXXX, I tried to call you about could not get through. I have tried this several ways, and there is not a way I can get you approved because of the debt to income being too high. 
The last thing I would want you to do is pay for an appraisal if we can not get you approved. 
Wish I had better news for you, I wish you guys the best of luck here. 
Regards, '' I have a good enough my credit and income for qualifying the loan. 
I do not understand why they refusing to approve my refinancing. 
XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I applied for a mortgage with Bank of America and I believe we were turned down because he is a XXXX vet and of XXXX heritage. 

Company response: Company chooses not to provide a public response
Consumer complaint: We paid off our mortgage XXXX 2015 and have yet to have the mortgage discharged. 
The company Bogman Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX or Toll Free : XXXX Fax Lines : XXXX ; XXXX Bogman has failed to find the paperwork. Bogman has accepted and cashed our check and still failed to discharge our mortgage, they claim they can not get in to the software because of a lost password. In contacting the Commonwealth of XXXX, Division of Banks, Bogman Inc has failed to be licenced in XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: BARCLAY 'S BANK OPERATED A MASTERCARD ACCOUNT FOR US AIRWAYS. 
I WAS PROMISED XXXX COMPANION TICKETS WHICH WERE NEVER PROVIDED. 
I WAS BILLED A YEARLY FEE IN THE SECOND YEAR WHICH WAS SENT TO ME LATE. 
THIS TRIGGERED A LATE FEE. 
WHEN I LEARNED OF IT, I SPOKE TO AN ASSOCIATE WHO SAID I COULD CALL BACK IN A FEW DAYS TO DECIDE IF I WANTED TO KEEP THE ACCOUNT. 
HOWEVER, THIS WAS UNTRUE AS MY ACCOUNT WAS FLAGGED AS OVERDUE AND DESPITE PAYING EVERY DIME OF THE FEES AND CANCELING THE ACCOUNT, IT WAS STILL REPORTED AS DELINQUENT TO THE CREDIT BUREAU AFFECTING MY XXXX CREDIT SCORE! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We have been trying to get a loan modification for the last 8 years. When Ditech asks for the information to process this ( bank statements, tax returns, paystubs, etc. ), and we submit them and confirm that they did indeed receive everything they need to complete the modification request, they send us a letter that we have not completed the requested paperwork. This exact same scenario has been going on for 8 years. The mortgage company for our home changed hands at least XXXX different times in 8 years. XXXX, XXXX, XXXX XXXX XXXX, Green Tree and the latest call to Ditech was made on XXXX/XXXX/15. The representative assured us the loan modification paperwork would arrive in 5-7 days. We had a XXXX way call with my husband and his real estate agent to confirm this in order to get more information on our options regarding selling the home. The real estate agent heard that we would receive it as well. We called 1 week later and the reprsentative with Ditech said that he never said that and denied even speaking with us. The representative thought our real estate agent was a lawyer. After several times explaining that he was NOT a lawyer but a real estate agent wanting to get a better understanding of our selling options, specifically short sale vs. foreclosure, he refused to discuss our case anymore. I called on XXXX/XXXX/15 @ XXXX to be exact. I believe all of the calls are recorded for " quality assurance ''. I called to follow up with this after again not receiving the loan modification paperwork, and the caller said she cant talk to me or she would lose her job and hung up on me. I called again to get more information because just a few weeks earlier they wanted to discuss this with us, and the caller, a different woman this time, hung up on me again. We have been very involved and wanting a resolution to our problem. We didnt walk away from our home, we continued to keep up with our home improvements, all we wanted was an opportunity to get a loan modification. There was NEVER any paperwork sent to us after confirmation after confirmation that they did receive all the loan modification paperwork they needed. I have written logs of everyone I spoke with, dates included, just to get a loan modification review. We were promised we would receive the paperwork, and over 8 years and have never received anything. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I originally submitted a complaint concerning Experian on XXXX 2015 concerning an account that was previously deleted, then sold to another collection agency and Experian was the only to place back on my credit. They have not provided final resolution. Since then have dropped my score XXXX points on XXXX/XXXX/15 for my XXXX account credit limit increasing from XXXX to XXXX. No not me using the balance, but the limit increasing? Then here recently XXXX/XXXX/15 I was notified my XXXX that my score reduced again my XXXX points due to me paying down a credit card owned by XXXX by {$100.00}. This makes absolutely no sense. My scores with the other CRAs are XXXX - XXXX and XXXX XXXX XXXX . My score with Experian shows XXXX. It is always between XXXX points lower???? 
I have placed at least a XXXX complaints with them of the last two years for several items that they erroneously report. I am sick and tired of there incompetency. 

Company response: Company chooses not to provide a public response
Consumer complaint: The HARASS me everyday for money!!! I can not make the minumum payments, and they REFUSE to take anything lower. Its all or nothing with these clowns!!! I was lied too when i went to school, and have been THREATENED multiple times by these cowards via the phone. I HATE THEM! 

They will take your last penny and make sure you have no food to eat, and think everyone has a money tree in their yard! WOW, what a horrible company to work for. I would rather be homeless than work for these cowardly money sucking low lifes. 

I would have never went to college if I would have known this XXXX would happen, hows that make you feel!?!? 

They just refuse to help, refuse to let you pay back your loan based on what you make. They are no help, theyre horrible humans on the phone, and I wish nothing but the worst for them. 

You want {$800.00} a month and I make about {$17.00} grand a year and live at home ... cant even afford to move out because of you XXXX! 

XXXX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am enclosing a letter I received today on an Experian letterhead I believe to be a fraud. I tried to contact the Experian credit reporting bureau through the first XXXX # mention in the letter which is legitimate, but could not talk to a live person. I became suspicious and did not contact the second XXXX # in the letter. I have a security freeze, a precautionary measure, an all of my credit reporting agency accounts and even I can not access them without my pin # 's. I believe this to be a fraud. How do I contact an Experian live person to check on this, or get assurances that no one has been able to access/change my account? 

Company response: Company chooses not to provide a public response
Consumer complaint: Company claims to have a courier company to send me legal documents and are trying to serve me with papers. They are stating that I owe them {$1200.00}. A man named XXXX XXXX is calling me stating that I have to appear in court. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I disputed information on Experian disputes for credit card accounts that were past thpast the seven year limit and they did not remove them. They changed theaccount date which was XXXX to year XX/XX/XXXX which is not true. tried todispute info again and Experian will not allow you to dispute online unless youpay for it. they also did not allow me to go back and view my dispute but once, event though the 30 day limit was not up. there is no contact email so you cansend any complaint issues and they put inaccurate verification information soyou ca n't even verify your identity in order to dispute anything online. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been trying to get a credit report from XXXX for the past few months i have verified all my information over the phone and they keep denying to give me my report. they want me to send my personal information in the mail and i am not comfortable with that i am a victim of identity theft and send my personal information in the mail is ridiculous. I have been denied credit and based off there information and they are not sending me my reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: Every time I get a call from the company it the same guy. He hang up the phone on me. Demand thing. Rude, disrespectful, just mean and rude. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Refused to cease and desist from incorrectly reporting on my credit bureau report. 

Stellar Recovery Collection Agency of XXXX XXXX XXXX # XXXX, XXXX, MT XXXX is incorrectly reporting a XXXX XXXX XXXX ( XXXX ) account on my credit bureau reports. XXXX provided cable services to my home. During their repair process XXXX XXXX ( and sub contractor ) did over {$1200.00} damage to my home. I promptly brought this to the attention of XXXX and they refused to take responsibility so I cancelled my service with them and did not pay them any more money leaving a final bill of about {$570.00} which I refulsed to bay because of my damage claim offset. 
On XXXX XXXX, 2015 I got a written acknowledgement of the damage and an offer to settle accompanied by a release form. The offer included waiving the balance and a payment from XXXX of {$910.00}. 

Despite having provided copies of these documents and several conversations with the collection agency the company still reports this as " Customer Disputes '' to the credit bureaus. This reporting does not factually, or correctly, describe the circumstances. XXXX owed me money during the period in question and gave me a credit for it. The current reporting negatively impacts my credit bureau scoring and does not accurately reflect that this money was credited to me as a result of negligence on the part of the creditor XXXX. 

I have asked the collection agency to cease and decist from this erronious derogatory reporting and they refuse. I want this completely removed from the bureau reporting as at the creditor actually owed me money while they were reporting me as delinquent. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a " thank you for your order '' e-mail from Swiss Colony company, although I never submitted an order. The customer service person said that the order was on it 's way and there was nothing they could do. They said I could n't return the package, assuming it arrives at my address, since it is perishable food. They said I could not get a refund to my pre-approved credit account. They said that they were not authorized to close my credit line with XXXX, so this person can and probably will order again, using my name and account number and line of Swiss Colony credit, which is over {$2000.00}, although their first 'bogus ' order is {$130.00}, and XXXX. said I am responsible for the bill. I ca n't believe this! It is an outrage. I am the victim here, but cust. service told me I must get a paid, notarized letter explaining/proving that I did not actually place this order. The phone number on this order is not mine, however, they would not give me the phone number of the person so I can figure out who placed this order, citing " privacy '' concerns, of all things. Can you help? XXXX XXXX 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: The website XXXX is broken. This is a well known problem and a total scandal. You should do something. This is a disgrace. 

Company response: Company chooses not to provide a public response
Consumer complaint: Without any prior notice to me whatsoever, my AT & T Universal Credit Card account was closed. The reason was not for any other reason other than lack of use. What is disturbing is that this account has been in place since 1992, and closing an account with such a credit history has an adverse effect on my XXXX. When I called to get it re-established, I was given the normal run around to re-apply, waiting 10 days, etc. etc. Finally I agreed, gave my information to re-apply and was immediately informed by XXXX # XXXX that I was denied due to the card having a joint owner. They are refusing to reopen the card in spite of my XXXX Credit Score, more than adequate income and limited debt. Admittedly, this card is not often used as it is not my primary card. I reserve this card for international travel as the AT & T name is widely recognized. However, as the consumer I am being refused a service that has been in place since 1992. This was not an issue prior to CITI taking over the AT & T Universal account portfolio. 

Company response: Company chooses not to provide a public response
Consumer complaint: To sum in up apparently during computer and many other changes that the XXXX XXXX were implementing me dical bills fully covers by my then under XXXX XXXX XXXX son are now in collections and adding great stress and loss of living and vehicle purchasing needs. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I mailed a validation letter in XXXX 2015 and have not received information regarding the debt. They continue to report to the credit bureaus. In addition, XXXX the accounts they claim I owe are the same amount. 

Company response: Company chooses not to provide a public response