AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX items for XXXX XXXX XXXX appear on my Credit Report.never had bank with this institution. I went to this Bank and they enter my information wich result i do not appear in their system at all.The bank told me tu dispute it with credit bureau due to the fact that is there error. 

Company response: Company chooses not to provide a public response
Consumer complaint: Suntrust Bank advertised a bank account opening promotion XX/XX/XXXX. I opened an account under that promotion and after I thought I have completed all the requirements, I sent a secured message on XX/XX/XXXX to customer service asking for a review of the Promotion Bonus and seek confirmation whether I hit all the requirements to receive the {$200.00} signup bonus. On the same day, a rep replied to my email and stated that I am eligible for the Promotion Bonus and should expect to see {$200.00} within 8 weeks. On XX/XX/XXXX, I checked my account and sent another email to customer service for a status on the promotion bonus. A new rep responded, apologized for the response provided by the previous team mate, and her review concluded that did not qualify for the promotion bonus. XXXX additional emails and XXXX phone call later to appeal and request further review as I was relying on wrong info provided by the rep on XX/XX/XXXX, a new bank representative called me on XX/XX/XXXX to convince me there were no errors on the bank 's part based on her review and interpretation of the secured messages. She stated that because the XX/XX/XXXX rep did not directly answer my question whether I qualified for the bonus, her conclusion was Suntrust did not make an error in representing that I qualified for the bonus on XX/XX/XXXX. Furthermore, based on her interpretation of the secured message, the XX/XX/XXXX rep was merely provide a general comment ( not a response to my inquiry ) that if I meet all the listed requirements, I will receive the bonus. Now that the time window to complete the requirements are over, I am no longer eligible for any bonus no matter what. 
I feel wronged by Suntrust and its customer service representative. I asked a specific question on XX/XX/XXXX to confirm qualification and seek guidance from Suntrust to ensure I met all the requirements and complex terms and conditions of the {$200.00} account opening promotion. I trust Suntrust to review my account and provide a yes/no response and provide assistance to help me meet the qualifications if it was a no response. Instead, Suntrust interpreted the XX/XX/XXXX rep 's guidance to me differently to purposely deny the promotion bonus. There was no recognition that the XX/XX/XXXX failed to provide a proper answer to my question and possibly mislead that I qualified for the promotion. Suntrust has no intention to pay the promotion bonus that was advertised and took measures to prevent customers from meeting the qualifications to engage in deceptive business practices. 

Company response: Company chooses not to provide a public response
Consumer complaint: this company put a debt in my credit report, but I did not know about the debt either the company.When I called them they talk about a t mobile bill I had 9 years ago.This bill was on my credit report before, I disputed with the credit bureau and they removed it. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Harris and Harris keeps calling my home phone number and leaving messages. We have no debts yet they continue to leave these messages. The messages do not state who they are trying to reach. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX was informed properly that I would need my internet/ communications service disconnected at my apartment in XXXX XXXX XXXX XXXX , XXXX the end of XXXX XXXX. I settled my debt to end of XXXX XXXX and double checked that they everything tied up on their end since I moved to XXXX XXXX, XXXX end of XXXX XXXX. XXXX continued to draw from my account every month until XXXX XXXX when I finally had my accounts switched at my bank. I was undergoing XXXX treatment from XXXX XXXX - currently and while I was getting my finances in order I noted this unauthorized withdrawal. I spoke with XXXX XXXX XXXX again and it was " cleared up '' although they refused to return the 1.5 years of unauthorized draws on my account. XXXX XXXX I was made to believe that it was all taken care of. I never received a bill, phone call, email or any communications that there were any problems with my account and that I needed to do more. During XXXX XXXX XXXX - XXXX XXXX I moved back to XXXX at XXXX XXXX, near my family again for support. I again went with the only internet provider XXXX XXXX XXXX. They ran my information and I was given an account. They again reassured me that my past account from XXXX was closed and fine. When I moved after the end of XXXX XXXX back to XXXX XXXX XXXX XXXX, I was very through about making sure that my account was paid in full and closed with XXXX XXXX XXXX, again checking both accounts. I never received a bill, phone call, email or any communications that there were any problems with my account. 
This XXXX I received a threatening phone call from a collections agency ( XXXX and Advance Collections Professionals ) telling me that they would ruin my life if I did n't pay my debt and I should know what they mean. I had no clue what they were talking about and figured it was a wrong number. After a few very scary calls I finally got enough information that it was about XXXX. I immediately called XXXX XXXX XXXX to double check both of my past accounts which I had been informed were in good standing ( closed and paid in full ). XXXX XXXX XXXX assured me that they both were and that they would contact the collections agency to clear it up. I recently found that my credit score went from XXXX to below XXXX because they posted it on my credit that I have an outstanding bill from XXXX for XXXX XXXX, which I was living in XXXX XXXX and had already closed out my account with XXXX XXXX XXXX in XXXX XXXX. This is very frustrating and I feel helpless with this company basically saying " what are you going to do about our unethical behavior ''. I hope you can help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: cin.bell refused to honor my promotional fee when I moved from my house. I was being charged more than i was before. I tried calling to have this fixed and even filed XXXX complaints with the XXXX. This is not the XXXX time this has happened. the last time I had their service I had to file with the XXXX and that time it was corrected. I continued to pay what i was told while working to get the situation fixed. At that time they were charging me late fees and a higher bill. I had the service shut off in XXXX and returned all equipment. They continued to charge me for another 6 months which i did get fixed and was told I would get the final bill in XX/XX/XXXX Didnt get it till XX/XX/XXXX.and was working on deputing the charges again but now Its on my credit report.They are charging me for a cable they said I did not return which I did. I dont owe this amount they are trying tocollect. I have proof with my billing statements and checks that the billing was inconsistant to what I was told. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX, has Fail to validate at my request on XX/XX/XXXX there is no date of last payment, the last payment made was XX/XX/XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian has somehow included the credit reports of my brother. He has a mortgage, XXXX auto loans, credit cards, that are affecting my credit. Basically anything associated with my brother and his wife should not be on my report. His whole credit report has somehow merged with mine and almost prevented me from getting a mortgage on our dream home. XXXX and XXXX are not reporting these. There are discrepancies everywhere on the report that are so blatantly obvious. XXXX look at the credit report from someone at Experian should be able to correct these issues. But now I am going to have to spend countless hours disputing every account. The dispute was made recently last XXXX when we took out a mortgage. Now I am going to submit it again because nothing has changed and I am obviously frustrated and angry that something like this could happen. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX with Recovery Partners out of XXXX XXXX the number he calls from is XXXX. Calls to speak about suspending my parents, XXXX XXXX & XXXX XXXX, XXXX Drivers License. When I tell him I am their daughter and to submit a letter to prove and validate the debt, XXXX XXXX gets arguementative and after 5 days calls again to harass my home. XXXX XXXX will not give out an address so my parents can request harassing calls to stop in writing. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I filed a request to have my credit report updated.and Experian refused to up date even after i summited my self releasing federal tax lien to them. i summited it XXXX. I XXXX XXXX and XXXX had no trouble up dating my report 

Company response: Company chooses not to provide a public response
Consumer complaint: i attended XXXX in XXXX XXXX, ca. i had to take out a loan with genesis it was the only loan i could get to so call better my career path. they did n't tell me that i had to pay the loan in school until after i started, they did n't tell me that when i got out of school the about to pay its would be so high that i could n't afford to pay it. i see that XXXX is getting sued already for their actions and lies. i could n't complete the school because of a teacher that screwed me over and threatened me, which the other staff did nothing about. i cant get an income based repayment plan from genesis and they are hard to talk to and deal with because their customer service XXXX and they barely speak XXXX i would like to get my loan descharged and what i paid into it back. i see that consumer finance is trying to help all the XXXX former students in getting their money back and correcting the wrongful action done by the school. i would like to hopefully get this done soon i cant continue to make the payment. they offer a payment reduction for six months im on the last XXXX that i can due and they failed to put me on it at the right time that i called them and asked for it to be done. i got a ding on my credit for it and have yet to call them to get that fixed. i will be contacting sallie mae to get my loan discharged from them they are easier to deal with but would like some kind of help with genesis in getting my loan discharged and money back quicker then waiting for the lawsuits to go threw and all the student get their money back. if anything i would like it just discharged and i can wait for the lawsuit to take place and get the reimbursement then, also they didnt give me any relief from the relief from the Consumer Financial Protection Bureau ( CFPB ) and the XXXX that announced more than {$480.00} XXXX in forgiveness for borrowers who took out XXXX XXXX XXXX high-cost private student loans. I recieved nothing from that. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: The bank charged a fee for me to check my balance on another bank 's ATM. This is ridiculous and I have never seen this fee for doing this before. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been try to get mortgage loan assistance for a number of months from Bank of America. They repeatedly ask for information that had been previously provided. Bank of America apparently is stalling to the point where they wo n't have to take any actions. Note that information has been forwarded to them via phone, fax and XXXX XXXX. 

My loan number is XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America ( BoA ) suspended my home equity line of credit based on a credit report they received that showed serious delinquencies, amounts past on on accounts, too few accounts currently paid as agreed. When I learned this I requested a credit report from the agency BoA indicated they used. The credit report I received did not show any delinquencies, amounts past due, or accounts not currently paid as agreed. In fact, there was nothing negative in the entire report dating back many years. BoA subsequently reinstated my line of credit. 

I asked BoA to provide me with a copy of the credit report they received from the credit reporting agency on which they made their decision to suspend my account. I explained to BoA that it appeared that the credit agency was providing different information to them than they were to me and that I needed a copy of the report they received in order to confront the credit agency. BoA refused to provide me with a copy of the report and stated that they could not because it would be " against the law '' to do so. 

Is it really against the law for BoA to provide me with a copy of the credit report on me that they used to suspend my account, especially when they understood that that report contained information entirely different that the information the credit agency provide me? 

How can I get BoA to provide me with a copy of the credit report on which they made their decision? 

None of the categories below match really well with these facts so I picked the one that was closest. 

Thanks. 

Company response: Company chooses not to provide a public response
Consumer complaint: Back in XX/XX/XXXX-XX/XX/XXXX I tried over and over to refinance my home after being put on permanent XXXX, having XXXX, XXXX XXXX, constantly be hospitalized and my taxes goin up ove 120 % over the past years we were forced to short sale our home. Wells Fargo just kept refusing me over and over forcing a short sale. They constantly asked for the same documentation over and over even after the acknowledged the receive end it. After having XXXX different buyers the house finally sold. The XXXX buyer it took them 9 months to constantly aske for the same paper work and then refuse & the XXXX was approved after about 6 months and I finally sold the home. Wells Fargo has me missing payments, which I did under direction of my lawyer because of the short sale was in contract XXXX with Wells Fargo getting paid in full and to keep up with taxes, maintenance, bills and medical expenses. I feel this should be removed so me and my family can go on with our lives. The hiccup on our credit report is an issue since we are going to be moving out of state for a better ccost of living. 

Company response: Company chooses not to provide a public response
Consumer complaint: CRA locked me out from accessing my free online report to dispute, unless I provide with a government ID with Photo, specifically a Drivers license and Electric Bill that does not appear on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are XXXX late payments noted on my report with Experian, from XXXX, from XXXX XXXX, as up to day in XXXX XXXX. I tried disputing this with Experian with no resolution. XXXX negative/late payment reports ( 30 days ) are NOT correct. I was current with XXXX during that time, and all times prior/since. 

Company response: Company chooses not to provide a public response
Consumer complaint: I continue to receive " or else '' threatening phone calls from this company. In the voicemails I receive, the man barks at me and demands that I call before XXXX because the issue has become time sensitive and action is pending. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I am writing to complain about U.S. Bank. I recently applied for a U.S. Bank XXXX XXXX Premier Visa Signature Card credit card and was approved. One of the major reasons, I applied for the card was an advertised benefit of " Bonus Award Nights '' where any award stay using XXXX XXXX points got the the last night free. This benefit is offered ONLY to U.S. Bank XXXX XXXX credit cardholders. 

On my XXXX statement I received from U.S. Bank as a XXXX XXXX credit card holder the following notice was in the statement : Program Update Notice For Your XXXX XXXX VisaStarting XXXX/XXXX/2015 Cardmembers can earn a Free Night at a XXXX XXXX hotel by spending {$10000.00} annually and paying an annual fee. Free Night replaces Bonus Award Night. Terms ( & conditions apply. 

I am upset because a benefit that was advertised when I applied for the card is being taken away with little notice right after I applied. I contacted U.S. Bank using the phone and was told they can not do anything about my complaint. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed the same information with another credit bureau and got a timely response and items deleted, however, this credit bureau has not responded even though I sent the request by certified mail and I have proof of receipt date 42 days ago. This has caused me to be denied for credit, has prevented me from obtaining additional employment and has caused great strain on my health and well being. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, I mailed out a check that was post dated for XXXX/XXXX/2015 with a letter attached that requested that the check be cashed on XXXX/XXXX/2015 with instructions that if the person who received the check had any questions they should contact me directly. The check was then cashed and posted on XXXX/XXXX/15. This caused me to overdraft my account and overdraft fees have resulted. I contacted Credit Central and spoke with XXXX to inquire why they cashed my check before the date on the check and why they did not contact me. She acknowledged reading my letter and said that she assumed that I had made a mistake by marking the date on the check and letter to the XXXX instead of the XXXX which is my due date. She then transferred me to her manager XXXX. XXXX explained to me that the check had posted and there was nothing they could do. I advised XXXX that I would accept the mistake if they would refund my overdraft fees. She then reached out to her manager XXXX XXXX who advised her that is is there policy that they do not hold check payments. This policy I understand but I was never made aware of it nor was it outlined in my contract. In any case, they should have called me if they felt like there was an error with my payment. XXXX then reached out to his manager who refused to refund the overdraft fees to me as well. XXXX also claimed they had no record of my letter correspondence even though XXXX had acknowledged it in an earlier phone conversation. He also advised me without provocation that there was no legal recourse I could take even though I did not state anything about taking legal action against them. I advised him several times that I would escalate the matter further unless I received satisfaction. He disregarded this. Unfortunately, I am in a financial situation where I am living paycheck to paycheck and this has caused me an amalgamation of stress and hardship. I refused to do business with this company again and encourage others to refrain as well. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: American Collections Enterprise , Inc. has reported fraudulent information to credit bureaus regarding a alleged debt. This debt has been paid in full to the original creditor yet American Collection Enterprise , Inc. continues to report the debt as unpaid to credit bureaus even though they have acknowledged being informed of the debt having been satisfied prior to their most recent reporting to credit bureaus. 

I filed complaints with the XXXX and the Consumer Financial Protection Bureau yet as of XXXX/XXXX/2015 they had yet to remove the incorrect information. In their response to the complaints, they state that they were informed that the debt has been satisfied prior to their most recent reporting. Their response states " XXXX XXXX ' payment was made directly to the original creditor. They reported it to our office on XXXX XXXX, 2015. '' However XXXX listed the account being updated on XXXX XXXX, 2015. 

The debt was then removed from my Credit Report when I checked it as of XXXX/XXXX/2015. However, the false information has been reported again to XXXX. This time, they have reported only the dollar amount and account number, electing to leave their name off of it. This is the XXXX complaint I have had to make regarding their tactics and I have been advised by council that these repeated false reportings constitute harassment. 

Company response: Company chooses not to provide a public response
Consumer complaint: My debit card was stolen once I gave my card I did n't get it back by someone I know I called my bank account told them to freeze my account they did n't. This person wrote my name on a check and everything and did multiple transactions. The person disappeared now I 'm left in debt of {$890.00} dollars and change. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had XXXX accounts with Bank of America. XXXX account # XXXX this account had apparently been over drawn due to checks that were written to me by my Ex-husband and then deposited and returned. The amount was in excess of {$2300.00}. However, I did pay Bank of America back and then they updated my information in XXXX as " PAID IN FULL '' but I still can not get a checking account anywhere with any bank because they flagged it as being fraud. ( or attempting to transact account in an unauthorized prohibited manner. This is not the case and this should be removed from XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was sent by my company XXXX XXXX XXXX out of XXXX, Oklahoma to be fitted for prescription safety glasses. The exam, and glasses were to be paid by the company as they had an account with the provider. All employees were allowed XXXX pair a year. After about XXXX weeks the company shut down that yard, and I 'm assuming did n't pay the bill. They are now contacting me and placing derogatory remarks on my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have no ideal who this is and why are they causing harm to me. It says it is XXXX XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: 1-On XX/XX/XXXX, I received a debt collection claim from Dynamic Recovery Solutions XXXX XXXX XXXX, XXXX, SC XXXX requesting the payment of {$1100.00} in behalf of account number ending in XXXX. 

2-On XX/XX/XXXX I replied via certified mail that I disputed the validity of the debt due to the statute of limitation. 

3-Although Dynamic was supposed to reply, I never receive a reply to my letter of XXXX/XXXX/2013. 

4-On XX/XX/XXXX Dynamic Recovery Solutions XXXX XXXX XXXX, XXXX, SC XXXX sent me a new letter requesting me to pay {$670.00} in behalf of the same account ending in XXXX. 

5-On XX/XX/XXXX I replied via certified mail that I disputed the validity of the debt due to the statute of limitation. 

6-Although Dynamic is supposed to reply, I have not received a reply to my letter of XX/XX/XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law