AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: When I ordered my credit report history in XX/XX/XXXX, I noticed a delinquent account that I have never had opened. So I contacted the XXXX company and they did a investigation and found out it is a fraudulent issue. So they said they will close the account and report it to credit bureau. Well XX/XX/XXXX comes around and I wanted to buy a house and XXXX is still on my credit history. I did receive this letter that i attached. I would like it, if someone could possibility of removing this from my credit history. It is becoming a nightmare. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX owned this debt with account number : XXXX. I contacted XXXX XXXX XXXX to verify this account that was not being reported accurately on my credit report. XXXX sent me a letter on XXXX/XXXX/2014, after reviewing their account on file they were deleting it from my credit report. The account was deleted from all three credit reports. Two months later the same account was sold to " XXXX XXXX '', I contacted them several times to dispute this account that had been closed. XXXX did not respond to my debt verification disputes for the past few months. XXXX resold the same account two weeks ago to another collection agency called " XXXX XXXX XXXX XXXX, formerly Integrity Solution Services ''. This account was closed from the original collection agency due to inaccurate reporting, and now has been affecting my ability to establish credit. XXXX has been ignoring my mail correspondence regarding the validation of this debt, and sold it again. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sell XXXX over the XXXX. On XXXX instances in XXXX - XXXX various dates 2015. I received bofa account holder to my bofa account transfers which corresponded to XXXX transactions on XXXX where I sold XXXX in exchange for these money transfers. The offender was XXXX person XXXX XXXX XXXX. A total of {$2800.00} in total sales were reversed mid XXXX 2015 when XXXX XXXX XXXX claimed the transfers were unauthorized. I do have selfies identifying XXXX XXXX XXXX picture taken next to her passport. Bank of America put a hold on both my checking and savings account for {$800000.00} dollars each for a total of XXXX XXXX dollars. Even though I had enough funds in my account to handle the reversals.It 's as if they considered me a party to her fraud. They eventually closed my account they have not given me a way to respond. XXXX in the fraud department told me he would provide me with information regarding responding but never did. The balance over and above the reversed amount is still being held by Bank of America. 

Company response: Company chooses not to provide a public response
Consumer complaint: On my credit report there is an account that is listed as in " open collections ''. The account is held by XXXX, a collection agency, on behalf of XXXX XXXX University and the amount is {$1500.00}. This account has been paid in full since late XXXX 2014 or early XXXX 2014. I paid XXXX directly and they assured me that this account would be accurately reflected 30-90 days after I had paid this account, again this was late XXXX or early XXXX of 2014. I do not feel that this account being shown as in " open collection '' is in anyway appropriate. 

I have attached screen shots of the involved accounts from XXXX XXXX University, as reported from XXXX, that show the account is paid in full. I have also attached a PDF of my entire student loan history from XXXX as well. 

I would be happy to furnish any other information that is deemed needed for the investigation of this complaint. 

Company response: Company chooses not to provide a public response
Consumer complaint: Regarding Case # XXXX of XXXX US BANK has filed a NOTICE OF ENTRY OF DEFAULT AND JUDGEMENT OF FORECLOSURE against me even though I have given them all of the information needed, over and over again.The bank continually drags out the process so more information is needed after XXXX days.I would like to have it resolved in a timely manner.I am always assured that " this should move quickly '' and get a decision, but after XXXX years, that is not the case.In XXXX 2015, XXXX XXXX was relaced by XXXX XXXX as my Relationship Manager even though later bank paperwork continued to show him.I sent all needed paperwork for the loan modification on XXXX and was told by XXXX XXXX that everything had been recieved by e-mail and we were good to move forward on a decision.Imagine my suprise to be served with a foreclosure summons on XXXX XXXX! After contacting the bank on XXXX XXXX, I believe that date is correct.I was told that said documents were not in the US Bank computer! I promptly re-sent them to another US Bank e-mail address and also to XXXX XXXX 's e-mail again.the current dispute is over monthly income from XXXX XXXX payments and XXXX per month of XXXX benifits.The bank had current and timely documents of said proof of this.Thank You 

Company response: Company chooses not to provide a public response
Consumer complaint: I needed to change the bank BB & T Bank used to Automaticly Draft Payment from. On XXXX/XXXX/2015, I went on the BB & T websit and changed the bank from XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. My {$590.00} payment was set up to be withdrawn, but since my XXXX 2015 payment was due the next day, and BB & T Bank website noted it would take at least XXXX payment cycle before my payment would be automaticly drafted, I elected to pay the {$590.00} payment immediately. The next day, XXXX/XXXX/2015, BB & T automaticly drafted another payment of {$590.00}. So, I called BB & T Bank and asked for EXTRA payment to be refunded. I was told to go to my local BB & T Bank Branch and fill out and sign some forms and provide a copy of my bank printout showing the BB & T Bank withdrawals from XXXX XXXX XXXX. So I complied with both requests. One week later, I was called again by BB & T Bank saying they could not fullfil my request because I had not sent the copy of my bank transactions from XXXX, I explained, I had, they said they would contact the branch. Later they called me back saying it would take them another XXXX business days to wire the funds back to XXXX. It is now XXXX/XXXX/2015, I checked my BB & T Bank Mortgage account and the funds were finally taken back out on XXXX/XXXX/2015 ( 15 days after the error ) but still had not been sent to my XXXX XXXX XXXX checking account. I hope it is not legal for them to keep holding back my money, because I am having to pay 15.50 % interest on this money they are keeping from me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion shows my closed account with XXXX XXXX Bank ( Opened XX/XX/XXXX-Closed XX/XX/XXXX ) as still having a current past due amount of {$65000.00} and a current amount owed of {$160000.00}. This debt was part of the Chapter XXXX Bankruptcy we went through. It does show at Transunion to be charged off as bad debt but for some reason it still shows as a current liability of mine as well as past due. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX and XXXX attorney office had contacted my siblings and my mom regarding my credit card collection prior to contacted me. They have disclosed my confidential financial information to my siblings and my mom. They used scare tactics to my siblings and my mom that they will use legal action against me if I do n't pay back the small amount of credit card debt. I called the XXXX and XXXX office to work on the payment reduction and payment plan. But the guy named XXXX only gave me very short time frame XXXX months and each payment is over {$1300.00}! That is a such high monthly payment in addition to my other family expenses! Despite the current bad economy, they do n't give you a chance to catch up and they said it will be a legal action if missing the payment. There is no room for negotiation nor longer time frame such as XXXX months or XXXX months like XXXX XXXX gave me. These are XXXX are taking advantage of us during the bad economy. If I could come up with extra {$1300.00} after all my family expenses, I would not be in this situation. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have opted out permanently for prescreened credit card offers, but I still get them from Century Bank. I have also called them directly but the offers still come. 

Company response: Company chooses not to provide a public response
Consumer complaint: My daughter ( XXXX - Cust ID XXXX ) has student loans originally Citi Bank and they were sold to XXXX Student Loans. There are XXXX student loans with the bank and has been forced to pay XXXX separate payments each month. I am a co-signer ( XXXX XXXX ) on the loan and when I contacted about the issue, XXXX states that Citi Bank will not allow them to consolidate the loans so that my daughter can pay a single payment per month. All of these loans are with the same bank and yet they are billing all XXXX payments for each month separately creating a large payment per month that she can not afford to pay. Below is a list of the loans and the payments due each month : Loan Number XXXX, {$180.00} ; Loan XXXX {$100.00} ; Loan XXXX {$100.00} ; Loan XXXX {$140.00} ; Loan XXXX {$110.00} ; Total per month = XXXX. This amount per moth is unaffordable. Can something be done about this situation? We are trying to repay our student loan debt but the bank 's policies are unreasonable. It feels like they are deliberately setting families up to fail. Please help!! We are close to defaulting on the loans. 

Company response: Company chooses not to provide a public response
Consumer complaint: The debt-collection agency, Commonwealth Financial Systems Inc., received my XXXX. XXXX certified - return receipt letter on XXXX XXXX, 2015, which was my dispute of their alleged debt and my direction to discontinue contact with me. I retain the postal return-receipt card, identifying Commonwealth 's receiving my certified mail on that date. Still, Commonwealth continues to call me and their most-recent call originated from their phone number XXXX at XXXX on XXXX XXXX, 2015. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Repeated calls from different numbers. The caller i.d . will show local retail store numbers and or local business numbers. I informed the collector I will contact the original creditor because this debt was from my ex husband insurance.caller then stated the original debtor could not talk to me because the account was theirs now. I have disputed the information from my credit bureau as well. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX Account # *******************XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX These accounts are being reported on all of my XXXX credit reports. However, these are not my accounts and I am listed as an authorized user. I have never signed up to be an authorized user and I want these accounts to be removed from my credit reports. I have never had or used any of these cards. 

Company response: Company chooses not to provide a public response
Consumer complaint: ERC is the company, first they say, I owe for this debt that I have no idea or clue what it is or if I even did it. then the debt is about 8 years old, and also threaten take me to court if I do n't pay. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: XXXX XXXX Account # XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX These accounts are being reported on all of my XXXX credit reports. However, these are not my accounts and I am listed as an authorized user. I have never signed up to be an authorized user and I want these accounts to be removed from my credit reports. I have never had or used any of these cards. 

Company response: Company chooses not to provide a public response
Consumer complaint: An old mortgage is listed on personal credit file inaccurately. Several times this item was disputed and nothing has been addressed with the creditor and credit agencies. I am requesting your firms help to resolve this matter. A couple things, XXXX and XXXX list 120 days past due which is inaccurate as this account was paid and XXXX also list a payment of {$8100.00} as the payment amount which is inaccurate also. I do not agree with the XXXX and feel this company does n't even have records to support the inaccurate data listed. Please help assist me 

Company response: Company chooses not to provide a public response
Consumer complaint: I was searching to buy a car at local dealership and was not able to find anything decent under {$10000.00}. Someone mentioned XXXX. I went into XXXX and found a XXXX for {$4000.00}. I reached out to the seller a XXXX XXXX and we communicated through email and text. I was sent an XXXX link to go into to buy the car at the end it instructed me to go Bank of America to deposit the money. I was given a name " XXXX XXXX '' and an account number. I went to bank and made the deposit on Saturday XXXX XXXX. On Monday, I called the XXXX phone number to confir receipt and to find out when I will receive the car. The phone rang and no one answered. On Tuesday, I called XXXX directly and they informed me that they have no record of this item being sold and they are pretty sure from what explained to them that it is a scam. I immediately went to the bank to notify them and to request that they put a hold on that money the {$4000.00} until investigation is done. The bank refused. I called their fraud department XXXX times to explain what happened and to ask for help, they said that they can not do anything. I went to the police and filed a complaint with the local sheriff and the FBI and notified the bank of such actions and provided all the evidence to show the bank that this is a scam, such as the deposit receipt, the emails with the scammers, the complaints and nothing seem to appeal to the bank. Even though, they know who is the owner of the account, they know that it is a scam, they are not willing to provide any information to help in the search of this scammer and to resolve the issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: the issue is this, the reporting agency has put tickets on my credit report base on what Ihave found out. they pass a law that can not put tickets on your credit report. I would like them remove. if they are not suppose to be on there and they are breaking the law. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Select Portfolio Servicing began servicing my mortgage in XXXX 2013.After it was transferred from XXXX.I have been applying for a modification with SPS since that time.to no avail.I am always told that the information that I have provided is incomplete.As a result I was notified that I have no home retention options available. So I agreed to a Deed in Lieu. I was never contacted by anyone or received any documents to sign to began the Deed in Lieu process. I tried several times to contact my relationship manager { XXXX XXXX } .But only spoke to someone in her department.During this time Received a pay increase and submitted another modification package through XXXX . I received a call on the very day that the modification was submitted from XXXX XXXX .She said that the complete modification package had been received, but it would not be reviewed because a sales date had been set.When I inquired about not receiving any documents in regards to the Deed in Lieu she became very rude and said that she could not hear me and that she would have to end the call.Now I realize that SPS never intended on giving me the opportunity to prove that I am capable of making my mortgage payments. Their only goal was to take my home the way they have taken so many other hard working Americans homes. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My Sister and I have accounts in Bank of America. She is in XXXX and I live in XXXX. I wanted to transfer {$200.00} to her account. I logged in the Bank of America mobile application and used the " Transfer Money '' feature. It prompted me for a Cellphone or Email address and the full name of the recipient. I input my Sister 's full name and her mobile number and clicked on Submit. The next day my Sister notified my she had not received the money yet so I called Bank of America. I spoke to one of the associates there and I was notified that the money transfer was sent to an account in XXXX XXXX. They were not able to provide me with the information of the owner of the XXXX XXXX account. Bank of America is telling me that this is my mistake. That I should have not used a mobile number. Bank of America opened a " dispute '' on the transfer but notified me that if the owner of the XXXX XXXX account refuses to return the money, then that means that I have lost the {$200.00}. I will never see the {$200.00} again. 
My Sister number is also registered under Bank of America so I do not understand why would the transfer be sent to " Outside '' of the Bank of America network instead of figuring it out that there was an account within Bank of America with the same mobile number registered. My Sister does not have an account with XXXX XXXX. She only has a XXXX XXXX through them. I am on my second day calling Bank of America and they keep avoiding me and putting me on hold. When I finally contact an associate they tell me that there is nothing they or I can do but only wait. This transfer feature is not secure and it is faulty. Bank of America needs to be held responsible for this mistake and audited to make sure this error does not happen again to other customers. 

Company response: Company chooses not to provide a public response
Consumer complaint: I ordered flowers and other gifts to be delivered on a certain date by a certain time. The merchant failed to deliver the flowers and XXXX of the other XXXX gifts on time despite verbal assurance that it would. The merchant refused my request for a refund even after it admitted that it failed to provide per our agreement. 

I disputed the charge with Citibank, the issuer of my credit card. Citibank denied the dispute without ever doing an actual investigation, i.e., Citibank did not even contact the merchant. I learned from the Citi XXXX XXXX that if the disputed amount is over a non-specified dollar amount, Citi denies the dispute, despite the merits of the claim. Citibank has engaged in this illegal and bad-faith practice -- failure to comply with the Fair Credit Billing Act ( FCBA ), conduct a good faith dispute investigation, and deny consumers their right to dispute billing errors -- several times now for unjustifiable reasons. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a catastrophic injury to my XXXX, I had XXXX surgery XXXX months ago. My pay benefits from XXXX ran out in XXXX of 2015. I was forced to retire at age XXXX. My monthly income has been severely decreased, and I am barely hanging on to my home. I reached out to Keep Your Home California ( KYHC ) for help. KYHC found that I am eligible for a principal reduction. I order to get a principal reduction, I must work with my loan servicer, Bank of America. Bank of America is refusing to give me a loan modification thru their Hardest Hit Fund- Principal Reduction Program. My eligibility with KYHC will expire on XXXX XXXX, 2015. I have sent in evidence of my physical condition, doctors verification, pension award letter and more. Bank of America is unwilling to help. Bank of America is insisting that I commit to a short sale, or keep the Balloon ARM mortgages that I have with them. The same type of mortgage that I had with Countrywide. I am current on my mortgage payments for now, however I am not sure how long I can keep up with these payments. My second mortgage will increase next month. I really need help with Bank of America before it is too late. 

Company response: Company chooses not to provide a public response
Consumer complaint: my wallet was stolen back in 2009 .this was during high school. someone put a fake check into my account. 
I told the bank I did n't know anything about this situation until a copy of the check came in the mail. the point of this complaint is to get to the bottom of this situation and to clear my name. my name is XXXX XXXX XXXX and my phone number is XXXX, my ss # is XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: An illegal foreclosure has been started against my home, even though I was still in the modification redemption process. I will file a Chapter XXXX bankruptcy petition to stop this action if necessary, but under the amended Fair Debt Collection Practices Act of XXXX XXXX, 2014, I was protected of any ongoing actions for a foreclosure action until all modification remedies have been exhausted. Select Portfolio Servicing , Inc. has through their lawyers brought this foreclosure action against me, thus violating my rights under FDCPA. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This was a payroll check from my job. This collection agency is telling me they are a law firm and they are going to sue me. Never read me the mini Miranda. Called my stepmother and told her I wrote a bad check and released all my information to her. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have had repeated issues endeavoring to obtain a loan modification from Wells Fargo, with my having remitted the last XXXX months payments in good faith, all of which were accepted by Wells Fargo, though apparently I was denied for a loan modification. To further compound the matter, they indicated on their website relative to my actual loan that I was " pre approved '' for a loan modification. Upon calling today, I was told they knew nothing of what they inputted. Not only strange conduct, but frankly it amounts to intentional or at least negligent infliction of XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I noticed that a previous address that was entered as my information is not correct. I have never lived at the address on XXXX XXXX. The current information is correct, but the previous address is not. 

Company response: Company chooses not to provide a public response