AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I recently got my credit report from Experian using the federal website to receive annual free credit reports from the XXXX agencies. While doing this I also chose to purchase a one time credit score from Experian, or so I thought. Now Experian is charging on a recurring basis for what appears to be credit monitoring, or at the least the ability to monitor my credit score and report. It was not clear from the website that I was purchasing a recurring service or that there would be a recurring fee for what I was selecting. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX/XXXX/XXXX a Sears account was reported on my XXXX and XXXX credit report. 
I do not have or ever have had a Sears credit card. I noticed the account was opened XXXX and closed in XXXX. I looked on my XXXX credit report from XXXX/XXXX/XXXX on all accounts listed open and closed and Sears was not on there .Also XXXX XXXX/XXXX/XXXX Sears was not reported. If this Sears account was closed in XXXX why is n't it reported in the XXXX XXXX and XXXX reports? from XXXX for XXXX. 
I also noticed the reports do not indicate who closed it in XXXX. In XXXX I was living with XXXX XXXX on XXXX XXXX in XXXX, CA. Sometimes he would come with me to pay my XXXX at Sears. In XXXX I unfortunately was in a short term marriage on the XXXX to XXXX XXXX. I do n't know if they had anthing to do with this, but I did call FTC to report it as possible identity theft regardless of who opened the Sears account and who closed it in XXXX. 
My XXXX report had my last name XXXX : XXXX XXXX. I also noticed that the High balance : {$99.00}, and a credit limit of {$2200.00}. The {$99.00} High balance is a very unusual odd high balance. I noticed on my XXXX account, on all XXXX of my current credit bureau reports that XXXX has " XXXX '' months reviewed, and so does XXXX, XXXX XXXX XXXX, Citibank. Is there a connection? The only connection I can think of is that I always paid my XXXX XXXX at Sears in person. 
Please help me to find out who opened and closed this Sears account. Because there was some identity theft involved. 

Company response: Company chooses not to provide a public response
Consumer complaint: Item in dispute is an entry on TransUnion credit report. A Federal Tax Lien was filed in XX/XX/XXXX based on tax years XXXX, well beyond the legal limitation window of three years. TU confirms only that it is on file in XXXX XXXX, California ; and they intend to keep it posted on my credit report until XX/XX/XXXX. It is based on tax years beyond ten years history now. I am respectfully requesting that this be removed from my file. I hope you can help me with this. Thank you for your look into it. Court document attached. 

Company response: Company chooses not to provide a public response
Consumer complaint: ON XXXX XXXX bank of America 's collection and recover dept. illegally try to fund an account of mine that was over drawn .... they issued a claim on a transaction I did XXXX XXXX, the claim was initiated by the collection and recover dept.., because my main checking account was over drawn XXXX dollars for XXXX daysThey wanted to bring it balance above XXXX, so they founds XXXX payment I made to XXXX XXXX bank on XXXX XXXX 2015 and claimed that I did not authorize that charge to XXXX XXXX bank XXXX which was a lie and a false hood ) I did authorize that transaction and never gave the bank permission to initiate a claim on my behalf!! 
It was done fraudulently and without my permission!! The claims dept. initiated an arbitration letter to XXXX bank and XXXX bank sent the XXXX back to bank of America XXXX 
I caught the fraud when I received a call from XXXX XXXX bank, they stated I was XXXX over limit!!! 
I made several calls to bank of America and XXXX bank after several threats of litigation and they final sent back the money to XXXX bank XX/XX/XXXX XXXX I believe my right were violated and I want an investigation done, I also obtained a lawyer to file suit against the bank of America for damages .. I would like the parties involve prosecuted to the full extent of the law and the bank responsible for these crimesI XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear Sir/Madam, Complaint number XXXX & XXXX & XXXX : XXXX Case : XXXX XXXX XXXX & Allegation of False Billings by XXXX, violation of FCC rules, Alleged violation by Experian and XXXX under FCRA & FTC rules, & Alleged violation of FDCP Act & FTC rules by collection agent, XXXX XXXX , XXXX XXXX 
The following is a letter of complaint that had been forwarded to FTC, who had in turn, sent you for your action. I believed you also had the exhibits that was enclosed with theXXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX : XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: On my XXXX credit report, There are XXXX collections that were just added to my file that do not belong to me. I have never been contacted by these people. The account owner does not even have the same name as me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have recently found out my mortgage broker name was added to my loan as owner with me. How I found out is he declared bankruptcy and it was put up as parr of his assets. When I called lawyer who closed the loan he stated that he received a letter from said broker/ bank and told to add his name to loan. Please help me. XXXX XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: The balance on my Sears card XXXX issued by Citibank keeps increasing, even though I never use it anymore. This month the minimum due is {$520.00} on a balance is {$9300.00}. I pay {$300.00} each month, but the balance does n't seem to change. I contacted the credit card company asking for a lower interest and lower minimum payment, but they responded that since I was no longer charging anything from Sears, the rate would remain the same. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XX/XX/2015Ten years ago I was XXXX. I used a U.S. Bank credit card to to buy XXXX on line. Before I realized it, I had spent {$5000.00} and owed U.S. Bank {$5000.00} more. What with interest rates and late fees the amount I owed skyrocketed.I got off the XXXX but the debt remained. I was living on an inheritance. I found a job paying $ XXXX/hr. USB wanted their money in the worst way. I could n't keep up with the monthly payments. I have less than bad credit anyway so I decided to stop paying USB ( my only credit card ). Then the letters and phone calls from USB started. I told them I did n't care about my credit so go fly a kite ( I used those words. I am a XXXX man and do not use profanity. ) The harassment continued. I felt bad that I owed the money but had no way to repay it. Finally, 4 years ago USB made a deal with me to pay $ XXXX/mo with no interest. 
Long story short, I have paid down the amount over the years from {$4700.00} to {$1600.00}. I read the article in XXXX about cfpb. I am XXXX years old now and living on XXXX. Is there any way you can help me get that remaining debt canceled or reduced. $ XXXX/mo would be useful to me as I just retired. They want it by the XXXX of each month. I have very few options in this matter. Thank You, XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: HELLO I WENT TO CASH A CHECK AT BANK OF AMERICA THAT I HAD FROM A PAYDAY LOAN COMPANY AND BANK OF AMERICA CHARGED ME {$XXXX.00} XXXX DOLLARS TO CASH THE CHECK. THE ACCOUNT WAS DRAWN ON THE BANK THE BANNK IS NOT AN INDEPENDENT THIRD PARTY THEREFORE IT SHOULD NOT HAVE CHARGED $ XXXXTO CASH THE CHECK. I DID NOT HAVE AN ACCOUNT THERE. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a credit card issued to me from Bank of America. My financial difficulties started when I lost my job and the card was closed. Sometime after while I was on military active duty status - they attempted to contact me. I was not able to respond to their correspondences and the debt was placed on my credit report as a " public record ''. I called the bank to find out if they would take a settlement offer so that the offensive unpaid public record could be changed to paid/settled. The representative XXXX responded that they were not able to collect from me as a XXXX for {$3400.00} was issued to the IRS by BoA in 2011and neither can they remove nor change the balance of {$4000.00} from my credit - a letter was never sent to me advising me of this. Per the IRS website the company should instruct the credit bureaus to remove the debt as a XXXX is a debt cancellation which is reflected as a earning for the debtor and any applicable taxes will be charged. In addition to that, I believe the bank receives a tax write off for these debts. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had received a letter from my previous employer about a data breach. I submit a request to Transunion to delete addresses on my report as not mine and they would n't. I provided my current bank statement and a utility bill with my current address and asked them to change my current address and delete the previous addresses as they were n't mine and they would n't delete the address below and it needs to be deleted as it is n't mine. 
XXXX XXXX XXXX XXXX XXXX XXXX, VI XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have made a few attempts to make a different arrangement to pay back this payday loan, I can not afford the XXXX withdraws The Cash Store debits my bank account any longer, I have spoken with XXXX the store manager at the Cash Store XXXX XXXX XXXX XXXX XXXX Texas XXXX, she informed me that I made an agreement with the store and signed a contract, which I did, she said she could not help me with any other type of arrangement and refered me to Cottonwood Financial, when I spoke with XXXX from Cottonwood he informed me that he did not have any of my information beacuse I had not defaulted on my loan at that point and I would have to wait XXXX weeks after I defaulted, before he could even talk to me, I explained to him I want to pay my loan I just can not afford the XXXX withdraws of {$240.00} bi-weekly, he was extremely rude and ridiculed me saying he could not help me with anything until my account made it his way. The Cash Store and Cottonwood are incabale and unwilling to help me make different payment arrangments, I am stuck, I can not afford this, my finaces are spinning out of control because of this payday loan, and no one on their end can help me resolve this loan, Its simple I want to make less payments per month. I wish I had not been so confused with all the paper work and understood more of what I was getting myself into. Bottom line is I do not know where to go from here. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX, I XXXX XXXX closed on a property which was sold to me by XXXX XXXX. Warranty Deed and Deed of Trust were written as XXXX Assumed Name, Fictitious, Trademark name. I became unemployed for over 2 years in XXXX and throughout that time requested loan modification through at the time I thought was the Servicer for the Lender Bank of America. Bank of America sent paperwork with XXXX parties I had not heard of which excluded the XXXX. The XXXX parties named are XXXX ( who had a name change in XXXX to XXXX, XXXX ) registered under the United States Patent and Trademark Registry No. XXXX. Secretary of State Texas, Tax Compotroller of Texas, Banking Commissioner of Texas, the OCC, and The National Mortgage Lending Services have all identified the XXXX as a DBA which is filed on the United States Patent and Trademark Registry # XXXX XXXX. Bank of America knowing that XXXX was never a Corporation, issued a Deed of Trust with a fictitious Lender. Furthermore, the Note was never endorsed by Bank of America until XXXX, XXXX Which is a rubber Stamp that states " Pay to the Order of '' Without Recourse Countrywide Home Loans, Inc DBA XXXX. This is clearly not how the Deed of Trust or Promissory note is written. A new Party joins in the mix as XXXX as Current Mortgagee. After contacting XXXX, I am advised by XXXX XXXX XXXX that XXXX is not the Lender nor or they the owner of the Loan or the property. However when the property was foreclosed on XXXX XXXX, XXXX, a Deed in XXXX was filed which named the Owner of the Property XXXX with a Bank of America address. This alleged loan XXXX has several issues with it to which the Consumer Financial Protection Agency never helped the consumer with an investigation. The Consumer Financial Protection Bureau never did anything to look into the Deed of Trust with a Fictitious Lender, how did it make it to the Trust as a Legal Binding Document? XXXX is a name, a slogan. It is nothing that would say anything about a Corporation or Financial Institution which legally held the means to be a Lender. XXXX sold the property to more investors XXXX XXXX XXXX XXXX TX XXXX who has hired attorneys to evict me from the property. I do not have a legal Lender and XXXX has already put in writing they do not Own Loan or Property. Who created these Appointment of Substitute Trustee documents, filed them, and who legally purchased property at Auction? Title is not a Clean Title. 

Company response: Company chooses not to provide a public response
Consumer complaint: In an effort to establish an individual line of credit for my wife, we decided to obtain a credit card in her name. After exploring the many options available, and based on our needs, we elected the Barclay 's XXXX XXXX Dividend Master Card at an annual fee of {$89.00}. Specifically, we are retired and we travel often to visit our children in other states. This card offered a {$99.00} companion ticket each year and a one day pass to the XXXX XXXX club. This would greatly assist us in our expenses during retirement and was the right choice for us. Application was made and she was approved on XX/XX/XXXX. At no time, in the literature or in any correspondence were we informed that this card was going to be replaced by Barclays Bank of Delaware with XXXX Master Card with less benefits. Shortly after we had paid our fees and made our first charges on the card we were notified that the card was going to be converted. After reviewing the literature and benefits available on the new card, we found that we would no longer receive the {$99.00} companion ticket or the one day pass to the XXXX XXXX XXXX as well as other benefits offered with the XXXX XXXX card. It appears to me that this was a " bait and switch '' offer and one that needs to be addressed by Barclays Bank of Delaware, XXXX XXXX, and XXXX XXXX. When I contacted the company, I was informed that I would receive one companion ticket that would have to be used by XX/XX/XXXX and one club pass that would have to be used by my anniversary date, XX/XX/XXXX. After that everything was no longer available. We would cancel this card, but to take out a credit card and then cancel it in a short period of time affects one 's credit. Since one of the reasons my wife selected this card was to establish her own credit, this is not a viable option. 

Company response: Company chooses not to provide a public response
Consumer complaint: Thursday, XXXX XXXX I went to the XXXX XXXX WELLS FARGO XXXX ( XXXX XXXX, NC ) to present a check for deposit into XXXX of my accounts. I have checking, savings and stock accounts for the past 16 years and the amount on deposit is about XXXX times the amount of the check, plenty to cover it. The check was from my brother in another state who is totally incapacitated and was endorsed to me for deposit to be utilized for his expenses. The check was issued by a nationally recognized corporation and drawn on the XXXX XXXX XXXX. The teller and bank manager refused to accept this check for deposit into XXXX of my checking accounts. I said that they could put a freeze on the amount of the check for a period of time, call my brother to verify this deposit but to no avail would they accept this check. I took this check to SOUND Bank a few doors away and presented it. In XXXX minutes they proceeded to accept this check and asked what I wanted to do? Ultimately I asked for a cashier 's check or XXXX so I could walk back to WELLS FARGO and cash it to demonstrate what great service a local, XXXX can provide. I collected my money and went back to SOUND bank to open a new checking account for my brother. 

Company response: Company chooses not to provide a public response
Consumer complaint: Shell credit card informs me that I have an unpaid charge from XXXX XXXX 2015 on XXXX XXXX of 2015. Talked to a XXXX in Tennessee at XXXX Mountain time on XXXX XXXX, told me that there was no record of this charge. I thought that it was a scam and put it aside for the time being. Received XXXX bill and had a charge on it for {$30.00} ( XXXX XXXX, 2015 ). Called Shell and asked that this charge be disputed and asked that they send me proof of this charge. Shell agreed. Tried to use card on the XXXX of XXXX and was denied. Called Shell the XXXX of XXXX and was told since I did not pay my bill on the XXXX of XXXX that card could not be used. Essentially denying me use of the card because of a charge that was, what I thought, in dispute. 

Company response: Company chooses not to provide a public response
Consumer complaint: I live in the state of California, last year XX/XX/XXXX I took out a loan with cash call, was told they did not do loans under XXXX but I could repay back what ever amount I wanted right away and that would bring my payments down and the amount I would owe, well I did n't repay a large amount back, I have been paying I. This loan for a year, I have already paid them XXXX on a XXXX minus fees loan, they have taken out late fees without notification to me from my account putting it negative, and numerous XXXX fees I have paid to my bank every other day they try and pull the money out of my account on several occasions I have made payment arrangements that were not documented, this month XX/XX/XXXX I had unexpected expenses and received an email saying they can help me so I responded to the email and no response back I waited 3 days and still nothing, now I sent another email still no response I keep getting phone calls, I read that XX/XX/XXXX that cash calls license was suspended for up to 12 months how is it possible to get a loan the next month, I feel that my loan is illegal I also read how to respond to a illegal loan so am am going to take these steps, first send them an email explaining that I am revoking the ach and any wage garnishment study they may try to do do to their license being suspended when issuing my loan, also close my bank account and request a refund of all monies I have paid to the company, I feel this company should be shut down and not allowed to give any loans to anybody I will not ever do another loan like this this has ruined my life, my relationship, and I will never regain any of it back, I feel this company should have to pay every cent to every person they loaned to especially if it was illegal, I am not saying that because I do n't want to pay back the loan, I would be willing to only ask for the extra money I paid to the company besides the principle amount of the original loan, I have over probably a XXXX dollars in late charges from my bank from this company, and would ask for them to pay back that money as well, I want to know how this can be fixed and my life back to normal. Please help me 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX ( XXXX XXXX XXXX XXXX party ) XXXX performed in summer of XX/XX/XXXX filed bankruptcy in XXXX XXXX. Before filing received collection notice, called informed filing bankruptcy. I was told they would not the account. After filing still received collection notices, called in XX/XX/XXXX, was told to fax the discharge notice, which I did, and the notes stopped. Now, XXXX they filed an open collections for XXXX on my credit report dropping the score XXXX pts. I called again, and the company says they did not receive my fax. Not only is this illegal I have told the group multiple times. This is vindictive, and a violation of my right with the bankruptcy. I am trying to rebuild, and this company has caused personal financial damage because I was unable to refinance my vehicle. Unprofessional. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I have had a credit card with Citibank for over XXXX years. This is an XXXX & XXXX XXXX and we were XXXX XXXX. We received a letter several weeks ago that they had cancelled the card because we had n't used it in XXXX years. There was no notice that they were going to cancel the card - just the letter after the fact telling us not to use the account anymore. 
I called customer service and was told I could either open a new account or go through a process to ask them to review the account to determine if they wanted to reopen the account, although there was no guarantee that they would actually reopen it. I then talked to a supervisor who told me the same information but added that she had tried to get Citibank to notify customers before the account was closed rather than after but that her suggestions had been ignored. I chose not to go through their review process because it would mean lifting our credit freeze at the three credit bureaus, for which we would be out about {$60.00} with no assurance the account would be reopened. 
I then wrote to Citibank about the situation. We received their reply yesterday - " It is our practice to notify customers AFTER the date we close the account '' ( Emphasis on after added. ) Had we been given even a few days ' or weeks ' notice, we could have used the card and kept the account open. Now, our credit score will be negatively affected and there seems to be no remedy with Citibank other than to go through a review process which provides no assurance that they will reopen the long-standing account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have paid off all of my debt except for my car. Student loans are all paid and the XXXX phone bill that was in collections also. My credit score should reflect that. I also no longer work for XXXX and now work for XXXX XXXX XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I get a call at different times but every single day from a robot identifying itself as Diversified Adjustment Services ( XXXX ). this has been going on weeks now. It does n't respond to any button presses if i answer. When I do n't answer, these calls fill up my voicemail. I do n't carry a single debt and need these annoying interruptive calls to stop! 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I am on a home modification with XXXX and they went out of business. Unbeknownst, to me, XXXX XXXX, the investor, who has not been supportive sold my loan to this ... Penny Mac Loan in XXXX, CA. This so called bank or whatever they are had stolen my money, forged my name and continue to harass me. They continue to increase my payments and had the audacity to say to me. I quote, if I did not like it to walk away. These people are vicious, unprofessional, incompetent and I haaaaaaaaaaaaaaaate them. In all of my life, I have never dealt with such beasts. I am requesting an investigation against these people and their license to be permanently revoked. This business is not a business. They are a fraud. 

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