AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XX/XX/XXXX I reported XXXX fraudulent charges on my Citibank card, and was told I would not be responsible for the fraudulent charges which would be reversed in 3-5 business days. XXXX were reversed in two days. The third is still on the account. I have spoken to XXXX representatives over two weeks, including representatives from the " Fraud Department '' and the " Billing Disputes '' department. I have been given three dates by which I was assured the charge would be reversed ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). I have been told I need to speak with the " XXXX Department '' but could not be connected to them because they were " very busy ''. I was given XXXX different phone numbers to call the Security Department directly, however all three are always busy at all times of the day. In five more business days, the fraudulent charge will start accruing finance charges, in which case I will have to fight to dispute those charges in addition to the original fraudulent charge. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a XXXX from Ditech ( formally Greentree ). I also received a letter this week saying the XXXX was incorrect stating it was a mortgage instead of a car lease. The original creditor had charged of this debt in XX/XX/XXXX. They did not attempt to collect it from me nor put it on my credit report because they had accidentally repossessed the car while it was in current status. They then delivered the car to the wrong address and I found the vehicle a couple weeks later damaged. The original creditor refused to pay the damage and I of coarse refused to make any more payments until they did. 8 years later a company called Greentree was sent this debt as a mortgage. I hired an attorney and Greentree agreed to remove it from my credit report and cease collection activities. I then started receiving collection letters 3 years after the mtter had been resolved. The attorney that handled for me contacted Them and the stopped once again. Now Greentree has become Ditech and is trying to avoid paying federal income taxes by filing a XXXX on this debt that charged off in XX/XX/XXXX and the original creditor never attempted to collect from me nor ever pout on my credit report because of their error. This has been a very upsetting ordeal because I was forced to hire the attorney because Greentree would only yell at me when I called and would not let me explain this was not a mortgage debt. By not having the correct XXXX by this date XXXX/XXXX/XXXX it has made things very difficult for me because I do not want not file a tax return that is incorrect. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is not my debt. IC SYSTEMS continues to report it to the credit bureaus. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: i got hurt on my job and my employer took me to the doctor, then a year later a collection agency popped up on my credit report saying that i owe almost XXXX dollars, they didnt even call me or my employer to try to discuss or send any letters to let us know that workers comp hadnt or had paid, now when i try to validate they send me just some paper with my name on it and what i owe for.i ask why the didnt call me or my job or send any letters they say they didnt have contact info 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I contacted this company on numerous occasions asking them to validate the debts to which they have reported on my credit profile. However, I never received a response form the company. I went online and disputed the same accounts through the credit bureau to which they replied the accounts were mine. I will ask one last time for a debt validation on these fraud accounts. I am asking for a copy of the contract which contractually binds me to these debts. The accounts are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, and XXXX. I will not hesitate to contact a consumer attorney if these accounts are not deleted. I have been denied credit on three occasions because of their unethical tactics to get me to pay a debt I do n't owe. I know that my rights have been violated. Please govern yourselves accordingly. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: TransUnion has been told by both XXXX and the collection department for XXXX correct information and yet a year later for XXXX and 4 months later from XXXX, nothing has been amended on my credit report. They are still showing on the FICO pull a serious delinquency and collection from XXXX and their collection agency. That should be showing from 2011 as the delinquency, not as of recent. It 's been corrected on XXXX over a year ago but TransUnion has either been slow to the finish line or refusing to correct the items. From XXXX it is still showing the balances are too high and that is incorrect as well. I 'm utilizing and have been for over 4 months, less than 5 % of my total credit. XXXX sent TransUnion a secondary notice of XXXX balance when I complained last month. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: USAA has reported me to XXXX and XXXX for fraud. It is prohibiting me from getting a bank account and they refuse to lift it even after I clearly explained to them the error I made in processing an online transfer. They are costing me business with banks and I would like the negative reporting removed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a counterfeit check as a deposit for a job I was supposed to do the weekend of XXXX XXXX. I deposited the check on Saturday, XXXX XXXX and it cleared and was posted to my account Monday, XXXX XXXX. On Tuesday, the funds were there, so I withdrew {$2800.00} to pay someone else working on the same production and deposited into another account at the same bank. There was no sign of a problem until after the close of business that evening, around XXXX XXXX, when I happened to look at my bank account and saw that it was - {$2300.00}. Confused and shocked, I called Wells Fargo to figure out what was going on and after speaking with XXXX people I finally found out that the check was counterfeit. They told me that I was responsible for the transaction that I had made while the check was posted and that there was no other option besides just paying the money back. I obviously would n't have made the transaction if I had known it was a counterfeit check and I was being scammed, but they did n't care at all about that. I called the police and filed a report. The next morning, I called the branch where I had made the transaction, explained the situation, including that I still had the deposit receipt and essentially begging them to do anything to help my retrieve my money and get my bank account positive again. They, too, said there was nothing they could do, but I could call Loss Prevention and they might have mercy on me. They did n't. I have now spoken with XXXX or XXXX people at Wells Fargo and no one is willing to so much as inquire into the other party 's account to see that he is a criminal. I feel very wronged, not only by the scammers, but by Wells Fargo for not caring that I have been stolen from and lied to and that the person doing it is a customer of theirs. As it stands, they have used the {$550.00} I had in that account toward the negative balance of {$2800.00} so I now owe the bank {$2300.00} ( part of which is money I worked hard to earn ) for a counterfeit check that was given to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: USBank closed my XXXX credit card without warning. On talking to a USBank representative, they informed me that card closures for any reason meant that any rewards points ( already earned or pending ) in my account were forfeit. Prior to this, I received an email from USBank targeting me for extra points for spending more money in the holiday season. Also, their own literature touts spending {$10.00} 's of thousands of dollars in order to get the annual fee waived, yet another inducement to spend more money on their card. For the record, I had made only XXXX purchases in the month, had not exceeded my credit limit, nor had any late payments. 
I believe their marketing and policies to be unfair as it deceptively encourages consumers to spend to earn rewards points and that any and all points may be seized at USBank 's whims. Since USBank refuses to allow me to redeem the points that I earned according to their own terms & conditions and I was recently made aware of the CFPB, I am writing to seek relief. 

Company response: Company chooses not to provide a public response
Consumer complaint: I called Bank of America to cancel XXXX ( XXXX ) credit cards with XXXX balances and I was continuously transferred for 20+ minutes before someone actually canceled my cards. They try to transfer costumers over and over again in hopes that they hang up. I 'm 99 % sure that Bank of America might be the worst organization in the world. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I wrote and mailed a certified letter to Experian and XXXX, regarding accounts on my report that are inaccurate. It has been 30 ( plus ) days, since someone signed for the papers, but I have not heard anything. I have duplicates of a debt ( private student loan ) and accounts that were made current, which are negatively affecting my credit. Also, an account that has some missing positive payment history, was not updated on my credit because the bank does n't want to improve my credit score. 

Company response: Company chooses not to provide a public response
Consumer complaint: FCO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Phone : XXXX Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify FCO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FCO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have XXXX balance transfers on my US Bank credit card - XXXX due XXXX XXXX, XXXX due XXXX XXXX and XXXX due XXXX XXXX. All at 0 % so there is no highest percentage to payoff first. However, the minimum due amount goes towards the XXXX XXXX balance and the rest goes to the XXXX XXXX balance with none going towards the XXXX XXXX. How is this fair. They are paying off the one that is due longer not what is due now. I want to payoff the XXXX XXXX balance but was told that if I do that only minimum payment goes towards that balance and the rest will go to the XXXX XXXX. I have to payoff the XXXX XXXX first to payoff the XXXX XXXX. This is not fair! I do not have the money for the entire amounts just the XXXX XXXX. So when I can not pay off the XXXX XXXX balance because of the way they are allocating my payments I will have to pay accrued interest on the balance due XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm attempting to get my loan pay-off statement to re-finance but mortgage servicer, LoanCare. I 've waited 20 minutes for a human to answer the phone. Their website is clunky and I can not access my payoff statement even through their website. 

I never wanted to do business with them. XXXX Mortgage transferred my mortgage over to this XXXX company 

Company response: Company chooses not to provide a public response
Consumer complaint: I was contacted by Navy Federal Credit Union regarding my brother XXXX XXXX because he has a debt with them. The Navy Federal Credit Union employee identified themselves and then asked if I could pass a message onto my brother XXXX XXXX. I told them no, and that I was not XXXX XXXX so they should contact him about this issue. She restated that she just wanted me to pass on a message to him, and I again politely told her no and that they can try to contact him directly. 

I then called Navy Federal Credit Union 's main extension and asked to be transferred to their collections department. I wanted to file a complaint so that there is a record with them that their employee contacted me and solicited me to do something that violates the FDCPA and the TCPA. Once I explained why I wanted to be transferred to that department the customer service representative refused to transfer my call. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My Citibank credit card number was used fraudulently in XXXX 2015 to purchase goods from an online merchant in XXXX. I notified Citibank within a few days of this happening. I still do not have a credit back yet for the fraudulent purchase amount of {$150.00}. I am constantly given a " run-around '' ; given paperwork to sign ; promised that a credit will appear on my account -- -- only to have it reversed again a few days later. I filed an online police report with XXXX XXXX police regarding the individual who fraudulently used my card number. I do n't know anyone in XXXX. I just contacted Citibank again today regarding the matter, and was told the XXXX merchant 's bank would be allowed to dispute my claim ; YET AGAIN, and even then ; the claim may go to XXXX. The Citibank representative said, " we do n't know what will happen if it goes there. '' Citibank are dragging their feet on reimbursing me the {$150.00} ; yet spend millions of dollars advertising that your card is safe, and that they will stand by their customers. That constitutes false advertising. The fact is, Citibank is refusing to refund me my money. The only refund it " conditionally '', and then it is reversed later. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a XXXX vehicle in XXXX of this year. I think I may have been a victim of discriminatory auto loan pricing. I have a relatively high interest rate and was quoted a down payment. Then later the next day I was required to make an additional down payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: My Mortgage is with US Bank, I have reached 76 % of the original sales value of the loan and they bank refuses to take the PMI off the loan.I have contacted them 3 times. I 'm not asking for a manual removal, instead the automatic removal should 've been done. Also, I have read the original papers i signed at closing and my Mortagage is not a high risk loan. According to them I will require an appraisal I need to pay to get this done. I have read the Homeowners Protection Act and all the documentation. There is nothing regarding this. 
Thanks for your help. 

Company response: Company chooses not to provide a public response
Consumer complaint: Aldous and Associates, a law firm in XXXX, Utah contacted me regarding a missed payment to XXXX XXXX. When I talked to them initially, I was n't aware of the missed payment so I told them that I wanted to verify this myself with my local Gym. I was told that I should n't contact XXXX and that if I did n't pay that day, I would owe even more the next time they called. I went to the Gym and paid the missed payment. The Gym even acknowledged that they should have contacted me about the missed payment but had not done so. The next day I got another call which I answered and was treated horribly by a supervisor named XXXX. He threatened me, told me to shut up, yelled at me and was generally rude. I tried to explain to him that I had paid the bill directly with Golds. He hung up on me XXXX times as I tried to explain to him the situation. He told me that he instructed me not to do that and I better pay right away. My husband called to object to the rude phone calls and asked them to stop calling. I continue to get daily phone calls from these people even though I have paid the bill. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Logged into bankofamerica.com, Clicked on account. Shows XXXX overdraft fees when the below transactions does not show any overdraft charges. Called BofA customer service, I stated that there is an online order that has not been charged but shows " processing '' but does not show " posted '' on account and does not reflect the amount on hold or that is has been pulled out of my account on the " available balance ''. CS rep stated that I need to click on " account balance history '' and that it reflects the hold there, also, showing another account balance amount that does n't not match the account summary page. ( First time I 've been told to click on another link to get the " real '' available balance '' ) In " account balance history '', shows that it is still " processing '' but it has been deducted from my " available balance history ''. How are there XXXX available balances? If BofA is going by " available balance history '' why not show it along the statement page? The " account balance history '' shows the " statement balance ''. If my account was overdrawn, how come BofA did not decline the charges that were made afterwards? This is unfair and very deceptive. 

Company response: Company chooses not to provide a public response
Consumer complaint: I got a letter - after closing COMPLETELY about 1 year ago - that said I was delinquent on my loan. This could not be possible bc I closed at a Title company and got a payoff confirmation. The letter came from someone who is posing as US Bank at XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: When you make a loan from your checking account, you are advised that you will be charged a fee of {$35.00}. It does n't state that you will be charged an additional {$35.00} extended overdraft fee if your account has not been brought to a positive status within 5 days. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I recently wrote a check to someone out of my Wells Fargo account. I ended up canceling said check because person waited to cash the check for six weeks. I could not remember the number of this check so therefore I canceled a range of checks. Well, 4 days prior to this I had written a check for my rent. I did not realize but the check that I had written actually was XXXX of the range of checks that I canceled. The only way that I found out about this is because the check did not come out of the account for over 3 weeks and I went to my WF bank to see what was going on. I also called my rental management company. The rental management company had actually cashed the check but Wells still has not returned the money to them because the check was stopped. I issued another check but that check on their end still has not been noted as canceled or returned or anything. It is odd to me that it took this long. I also could have had other items coming out so this caused me great distress. Please see if something can be done. Wells still does not have any details on the check other than it was submitted for depository on the rental property 's bank. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX has been harrassing me for payment of a transaction that they made a mistake on months ago. After checking my bank records, I was willing to pay the amount. However, the confusion during this time for that amount to be overlooked was due to some fraudulent charges on my account they were investigating and has switched me to another card. They concluded their investigation and credited me those charges. But then they claimed that this particular amount was still outstanding and started to charge me late fees for it. I have made about XXXX lengthy call to them to finally track down how this amount was missed by them and differentiated from the fraudulent charges that was settled. Although I am willing to pay the actual true amount of the transaction I made and that they made a mistake and missed, they want to add late fees to it. I was only made aware of the transaction and differentiated from the fraudulent charges a couple of weeks ago. Calling and talking to the customer representative and even their escalations supervisor is not bring any results. I need someone to investigate XXXX credit card for their incompetence and harassing me on a daily basis with multiple calls. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was denied a equity line of credit by XXXX by Experian.XX/XX/2015. 
1.Experian states insufficient number of accounts paid as agreed. My question which accounts are they talking about and simply address them and not XXXX pages. 
2. Installment loan delinquency. Which one/s and address them singly 3.They state public records. They do n't know what the circumstances of these bear. 
Paid one have circumstances that a Judge may have felt was better than wasting the Courts time.XXXX XXXX was a section XXXX tenant on crack cocaine.To continue in court for a judgement would have resulted in no collection. So time to file against her after getting a judgement lapsed and i paid her to move. 
4.XXXX XXXX Attorney . Handled a case against XXXX XXXX Attorney who was my partner in a real estate property. In a settlement his fee was overlooked and he purposely filed this claim. He was paid in full. 
5. Experian states past or present credit obligations. I want the list/s that they are referring to and not XXXX pages. If XXXX is XXXX XXXX they are under review with The California Dept of Justice. 
Also i want to know how Experian rates the different causes o late payment, loan delinquencies, public records, past and present credit obligations. As it seem each reporting agency differs and reflect in your scores different. There is no across the board scores and what is the system that Experian uses and why are the years that are reflected on reports computed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response