AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have been trying to dispute information with transunion for more than 3 months. I have sent letters without any feedback and I have tried to process disputes over the web, but was denied, I even gave up for two months to see what would happened, and exactly as I thought nothing did, Finally I got frustrated and called again. I called and was transferred at least 6 times to different representatives. Each time I 'm told I must speak to someone in the special fraud department. As you can imagine I became very alarmed, but could n't get any help or any answers. Each representative required the same information my name social security number, date of birth and address. I was very upset to continue to provide my personal and confidential information to each of these employees but i wanted to get the matter resolved. Finally i was told i would be transferred to the final department and that they would most certainly be able to help me. The call went to voice mail. I got a call the next day at XXXX, I was at work. The caller, who failed to identify herself advised that I can call back and speak to any rep and that they would be able to help me. That was n't true once again I was transferred 4-5 more times until I got to XXXX. I explained to XXXX that I wanted the information on the XXXX XXXX account that says i was disputing the card to be removed, that I had previously request in XXXX 2015 that the fraud alert be removed from my credit file and that I had inquires on my credit report I did n't authorized and should be there.. i explained that was XXXX the reason I put these alerts on my account in the 1st place. XXXX then advised that she could remove the AID from the XXXX XXXX account and can remove the fraud complaint but for the inquires I would have to contact the different companies provide them my personal information so that they can write me a letter that I can then send to Transunion to remove the inquires. I advised I do n't want to provide the creditors my details that they should n't be there in the 1st place. That I had requested that my account be protected and Transunion failed to follow through. I requested that the inquires XXXX ( XXXX inquries ), XXXX Bank, XXXX XXXX, and XXXX mortgage. XXXX advised that she would not issue the investiagtion that that the information she provided was my only option. I explained no other creditor has requested this process to which there was no response. I advised I would file a dispute to which she replied ok. This process is unfair and i feel the actions of this company is punitive. They wont allow web access to my report and the fact that some special fraud department is the only department that can help me,, all though they dont seems to be some type of payback because i filed a complaint against transunion before. This is clearly a poorly run company and I am very concerned that this is XXXX the only XXXX companies that is in charge of keeping my files safe and up to date. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo failed to resolve ny prior complaint XXXX, failed to update my contact info, failed to provide statements as rewuested, continue to make harrassing calls to my ex husband, fail to post multiple same-month payments correctly. 

Company response: Company chooses not to provide a public response
Consumer complaint: Through my employer I won a {$100.00} gift card and I was allowed to select the card ( SEARS ) that I wanted. My intent was to use the proceeds to make a payment on my Sears Card. There were no disclosures or limitations on used listed at my time of purchase. When I received the card later that day electronically, there was a list of limitation applied. I would not have selected their card had I known what I know now. I went to the my local Sears store and the manager advised me I can only use for purchases. 
I believe this is a deceptive practice and that it should be investigated. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a customer of Bank of America for over 15 years with a credit card. I have always paid the monthly fees and my FICO score is in the XXXX. I NEVER asked for a credit increase, but instead of sending me credit cards, B of A keep sending me odd letters saying that there is a problem with an " restricted access notation '' on my consumer credit file. '' This is bogus -- a lie. I called B of A several times, including a talk with XXXX on XXXX/XXXX/2015 at XXXX with the credit dept there. She said that there was a problem with my address, which they had it all along- NOTHING to do with my consumer credit file. 

She apologized and said that the cards were going to be released. Today, XXXX/XXXX/2015, instead of getting the cards, I get another bogus letter from BofA dated XXXX XXXX, 2015, mentioning the restricted notation (? ) again. I tried calling the credit dept. today, but it was closed. I talked to a regular rep at B of A and she can not tell why I 'm not getting the cards. 

I want to know why I 'm being harassed like this. This is scary. 

The credit cards expired in XXXX 2015 and I received new cards. However, next I received a letter saying that an " Unkown '' business has been compromised, and that I was going to get new cards. Then I got another letter saying that B of A will be sending me new cards with chips. I noticed a transaction that I did n't recognized online, I contacted the bank and was told to cut the cards and that other ones would be sent out. These never arrived. I contacted B of A again and was told that the cards were NOT to be cut out and replacements would be sent to me. However, because now I 'm caught in this credit request I never made, I never receive any cards. The situation is insane, and I do n't appreciate people playing with my credit and credit history like this. I do n't like that B of A is telling me in writing to contact the credit bureaus, when the problem is their internal mess. This is not right. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a complaint about Citi bank credit card electronic transfer fraud by Citi bank. As of XX/XX/2015 they issued a payment via mobile transfer from my Nevada state bank account to payoff my credit card account without authorization. My bank reverse the charges, after I notified them and adviced me to contact Citi bank to investigate how and why this occurred. After getting the run around at citi bank they refuse to tell me how this transfer happened. I am attaching a copy of my payment transfer to this credit card for your viewingI thank you for your help and consideration in this matter and hope to hear from you soon. 

Company response: Company chooses not to provide a public response
Consumer complaint: Santander bank is constantly calling and leaving robotic messages. I do not have an account with them and they are asking for someone named " XXXX ''. They call a couple times a day and leave messages saying that " XXXX '' should call and enter a PIN to retrieve her message about her account. A search on the web revealed that there have been others who have had this happen, and when they contacted Santander Bank, the agent said that they could not remove the telephone number on file. This is outrageous. I have never done business with this bank, and they have the WRONG number. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, Today I received an email from Barclaycard XXXX The message reads as follows ... .. 

Dear XXXX, We 're confirming your recent request to change the telephone number on your account ending in XXXX on XXXX/XXXX/2015. 

Next time you need to make updates to your account, visit us online at www.BarclaycardUS.com and click Your Profile. 

If you have n't registered your account with us, just follow the online registration process to start seeing your account information wherever and whenever you choose. 

If you do not recognize this request, please contact us immediately at XXXX XXXX XXXX XXXX. 

-end message. 

Realizing I never put in such a request, I did of course call the phone number listed. The automated system confirmed my identity and after doing so began to remind me that my payment was over-due ( I asked to have the card closed and sent to collections, barclay card is continuing to keep it open and charging me interest ). I dialed zero until a person came on the line. This employee looked at the record and saw no change and confirmed that my current phone number was still the phone number on file. He also asked me if I have ever had a different phone-number, irrelevant question, and my answer was no. I then asked to speak to a supervisor who had nothing constructive to add. I believe this email amounts to nothing more than self administered corporate phishing. It is a disgusting, outrageous practice which utilizes the fear of losing your personal information to compel the consumer to call in to the phone number provided only to be reminded of the debt that needs servicing. 

Company response: Company chooses not to provide a public response
Consumer complaint: We received a letter from debt collector, Payliance dated XXXX XXXX, 2015 stating that we owed {$150.00} plus a {$35.00} service fee for our XXXX payment to our son 's orthodontist XXXX XXXX. However, This payment was PAID XXXX XXXX, 2015 Payliance had deducted the amount of {$150.00} PLUS a {$25.00} fee from our checking account. I sent them documents on XXXX XXXX, 2015 disputing the outstanding debt and documbents showing where they automatically took the money out of our checking plus their fee. 

Since then, our orthodontist has verified the account was current. But, Payliance is continuing calling us claiming we owe them the money. they called : XXXX XXXX at XXXX., XXXX XXXX at XXXX., XXXX., XXXX., XXXX XXXX at XXXX., XXXX XXXX at XXXX., XXXX XXXX at XXXX a.m. and XXXX XXXX at XXXX. 

They are calling to collect on a debt that is not valid as of XXXX XXXX when they automatically took the money out of our checking account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: They reported the debt on my credit report as a charge off. When I disputed it with the Credit Reporting they validated the debt. I contacted them via certified mail with a " Notice of Direct Dispute '' under FCRA 623 ( a ) ( 8 ) ( D ) and they never responded. 

Company response: Company chooses not to provide a public response
Consumer complaint: Loan payment is due on the XXXX of each month late after the XXXX. I receive robo calls and phone calls 2-3 times daily after the XXXX of the month harassing me to make payment when in fact the payment is in the mail. They want you to pay over the phone and ad a fee of {$25.00} to process it. The loan is almost 12 months into it with 36 to go. I told them to spot harassing me and that if they have not received payment by the XXXX feel free to call with no relief. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have previously submitted a complaint with you guys. XXXX. We have now been forced to short sell our home. Its on the market and has n't even been released from our bankruptcy as of yet. We are seeking legal help and trying to seek help from every agency we can. My husband and I are begging you guys to please look in to all the complaints this company has against them for the same reasons. Please review our former complaint filed with you guys. We need help ASAP. 

XXXX and XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: They auto dial me to call them at least 3 times a day! I have called and tried to get assistance on how to apply for a deferment on payments as I had a baby with health issues and they wont tell me the information unless my account is according to the people i spoke to, extremely in default. I call and talk to someone and that same day I got more than one auto dial call telling me to call about my loan. Today XX/XX/XXXX, I have had 3 auto dials already between XXXX XXXX my time and XXXX XXXX. so 3 calls in under 4 hours. They are trying to get me to go delinquent and be extremely delinquent ON PURPOSE while harassing me and not helping me or answering my questions on how to get help when i call. They have given my grandmother who co signed some impression they are going to be able to come and TAKE HER HOUSE AWAY! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was contacted by Westlake Financial Services in XXXX, XXXX for an Amendment To Retail Installment Contract agreement. The terms were accepted in XXXX XXXX, XXXX. I keep my part of the agreement and made all of the payments. But Westlake never issued an Cerificate of Title for my XXXX XXXX Focus XXXX XXXX Sedan XXXX. The last payment was made in XXXX of XXXX and the payment was accepted. I received a notice from Westlake Financial Services in XXXX stating that I owed them {$2300.00} for the balance of the loan. I spoke with a XXXX XXXX XXXX a manager of Westlake Financial Services asking him why did I owe this money when I honored the Amendment Installment Contract, and XXXX XXXX XXXX pretended like he did n't know what I was talking about regarding the installment contract. So I made several attempts to find out why Westlake Financial would not honor the hardship contract. I tried to explain to XXXX XXXX that I was a consumer and there must be a mistake with the balance of the loan. He pretended that he never knew anything about the hardship agreement and I must pay the balance of {$2300.00}. I mentioned to XXXX XXXX that Westlake Financial Services was not honoring the agreement and he would no loner speak with me about it and demanded that I pay the balance of the loan and I tried to explain to XXXX XXXX that Westlake Financial Services received the last payment of the Amendment Agreement and I should have received something in the mail before XXXX of XXXX stated why they will not send me a certificate of title. I never heard from Westlake Financial Services until XXXX of XXXX, but the last payment was make in XXXX of XXXX. I have suffered a great amount of financial hardship due to not having any transportation and I 'm still out of a car. My credit report has a repossession on it and I ca n't qualify for a car. I invested more that {$12000.00} in the XXXX XXXX and now I 'm out of a car and my credit is worse. Westlake Financial Services has many consumer complaints due to their unscrupulous company practices. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for a credit card online on XXXX XXXX 2015 and within few minutes I got a message on my screen saying my application was approved and I will get the card within 1 week. I did not receive the card till XXXX XXXX and when I called, they said I will receive within 5-7 business days and that too 'after the card is mailed '. So at the very first place they should not have given the statement that I will get the card within a week. 
When I requested them to send it via expedited shipping they refused. 
I waited till XXXX XXXX ( which is after 7 business days ) and then I called them. The executive told me that he will cancel the original and send me a new one via expedited shipping and I will get the card within XXXX hours via XXXX. I waited till XXXX XXXX and did not receive the card. 
I called them up again to get the tracking id of XXXX and now they told me it will take take more 5-7 business days for them to mail the card and then again 5-7 business days for me to get the card. Then I spoke to the executive 's account manager and he said I will get my card in 5-7 business days. 

I had my plans for the card and finally all travel plans ruined, vacation plans go waste and left with nothing but utter frustration. 

To conclude -- they provide incorrect information over internet. 
- customer care executives give wrong information to customers. 
- they do not have a dedicated department to take care of these grievances which canont be taken care by customer care. 
- they do not have the process of sending expedited card to new customers where as other credit card companies do. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased my home on XXXX XXXX, XXXX. The originallender was XXXX Mortgage ( Loan # XXXX ). Purchaseprice was {$220000.00}. Financial hardship happened in XXXX XXXX Loan was sold to XXXX XXXX during recession. Suddenly lost job. I fell behind in mortgage. 
payments. Did unsuccessful loan modification with XXXX Loan balance was increased significantly. I discovered on XXXX XXXX XXXX througha phone conversation that the sale date of my property isXXXX XXXX at XXXX XXXX. I have not yet received aformal letter from XXXX and XXXX ( attorneys representing the sale ) although they claim a letter was mailed on XXXX XXXX XXXX. 
I need more time to look for gainful full-time employment inorder meet the necessary financial requirements for a loanmodification to keep my home. Not enough time hasbeen allowed for me to explore all my options for gettingassistance. Private investor of the mortgage is XXXX. I waneed more information on this private investor and the shadytransfer of this mortgage between XXXX Mortgage and. 
Shell Point. I even asked to speak with XXXX XXXX ; CEOor someone in upper management. Within two weeks of my rerequest to speak upper management, the mortgage wassuddenly sold and no one ever spoke with me. I want thisloan process investigated from XXXX XXXX until XXXX XXXX XXXX. I believer customers who are in vulnerablepositions such as myself are being taken advantage byChase and other private investors while jacking up loanbalances as they resell loans. This is home is not valuedat {$250000.00}. Please research this case asap. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Threatened to garnish my wages and said that my SS # was flagged. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Regarding XXXX Credit Card accounts with XXXX. XX/XX/XXXX I was in contact with XXXX through a third party company to work on a settlement to pay the XXXX accounts. XX/XX/XXXX, XXXX sent letters to me indicating they would : 1. No longer attempt to collect the unpaid debt on my accounts AND would be reporting the UNPAID Credit Card balances ( {$27000.00} and {$35000.00} ) XXXX for the XX/XX/XXXX tax year. 2. XXXX would be sending a XXXX to me in the near future of the principal balances. I received XXXX documents and filed with my XX/XX/XXXX tax returns taking the amounts as " income '' per XXXX guidelines. My CPA also confirmed the XXXX XXXX amounts on the XX/XX/XXXX tax year IRS transcripts. XXXX is still reporting the all XXXX credit bureaus that the full balance is owed to XXXX on the XXXX credit cards. The result is my credit scores being affected and I am not able to complete a re-finance on my home. I am filing this formal complaint against XXXX as this seems very unfair. The XXXX documents sent to me by XXXX state at the top of the documents " Cancellation of Debt ''. I do not understand how XXXX can send a XXXX to cause me to file the amount on my taxes and PAY TAXES XXXX and turn around and continue to report these amounts to the XXXX credit bureaus as " Balance Past Due ''. Please help! 

Company response: Company chooses not to provide a public response
Consumer complaint: The Credit Protection Association attempted to contact me to collect a 4 year old debt. They contacted me multiple times in XXXX of 2015 over the course of a single week. I told them that I required validation of the debt they were trying to collect, and that I did not want to be contacted again until they provided that validation. They contacted me again in XXXX, and I again reiterated that I required validation of the debt and to stop contacting me because they were violating federal law. 

In XXXX ( around the XXXX ) I got a call from the original owner of the debt, XXXX XXXX XXXX XXXX. After several calls back and forth, they were able to determine that I did not owe the debt and that they would resolve the issue. 

Imagine my surprise on XXXX XXXX when, still having not received any validation of the debt from the Credit Protection Association, and knowing that I did n't actually owe it, the Credit Protection Association went ahead and reported the account as being in collection to all XXXX major credit bureaus. 

Now they are telling me that they 'attempted to send me the validation ' and that it is not their responsibility to resolve this issue. They said it will be 30-45 days before they can even get the information back from the original creditor, and that they can take no action before then to resolve their fraudulent reporting to the credit bureaus. 

This predatory collector has violated several federal laws by harassing me, failing to provide validation of the debt ( no surprise because I do n't owe it ), and fraudulently reporting to the credit bureaus. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX or XXXX of 2015 Macy 's changed their credit card from a XXXX to an XXXX card. At the time, we had the XXXX card set up on our Bill Pay system. As our use of this card is occasional and only used at Macy 's, we depended on the Bill Pay process and paid when notified a bill was due. When the account changed to XXXX, apparently the bill pay information did not transfer. This would have been OK, assuming that they notified us via email or with a paper statement that an amount was due. Last night, our card was declined at Macy 's and we were informed that we were overdue and owed {$480.00} dollars, including late fees and finance charges of {$120.00}! When we called, we were offered a relief of {$38.00} dollars, which we declined and disputed the fee. When asked how the billing statement was delivered, the agent said via email. When asked what email was used, the agent could not cite the email. Effectively, we were not billed or notified that we were behind payments in any way. If we had not attempted to use the card, the charges would have continued to accrue. We immediately paid the amount due, but their is no way to dispute the late fees and finance charges. It appears to us that the transfer of data and other information during the transition from XXXX to XXXX was improperly handled. 

Company response: Company chooses not to provide a public response