AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Experiain is : -Deceptive Marketing -Illegal practices in the enrollment process -Unfair Billing PracticesExperian is Illegally charging my credit card for credit monitoring service for credit card add-on. I am disputing transaction. On or around XXXX XX/XX/2015 and XX/XX/2015 I talk to there customer service agent from XXXX several times and I informed no refund. I am requesting cancellation and full refund of {$60.00}. I was charged from XXXX, XXXX and XXXX 2015 with Experian. I received several of there email stating that my Experian Credit Report is ready. It never allowed me to view the account. I never signed to request monthly FICO credit report. There overseas customer services they do n't understand what 's going on. I request several times Experian to remove me from there mailing list and they refused. 

Thanks, 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently applied for an urgent loan with my credit union. When they tried to pull my credit report from Transunion, they were told that no information was available. My credit union called Transunion and were told that I needed to contact them. When I contacted them they told me that for some reason their system/company has XXXX different files for me and they need to combine the files before they could release my credit report. When I asked how this happened as I have never had a problem before they said it was just a system problem and that all I needed to do was send in a copy of my social security card and they could resolve my issue within XXXX business days. I immediately sent in my card copy as requested and after almost XXXX weeks they still had n't been able to get the issue resolved. I called them everyday, and everyday they told me it should be working now, but when my bank went back to pull the report they were still not able to obtain it. I call them, they tell me it 's okay, the bank calls and they say they are n't done working on it yet. I have asked several times to speak to a supervisor and have not been allowed to do so. Now today, my bank has reported that because of their lack of ability to obtain my credit report from Transunion they will not be able to grant my loan request and are closing out my application. The issues with my report are solely those of Transunion 's system and to no fault of my own. The other reporting agencies are n't having a problem, but my bank only uses Transunion who refused to correct THEIR error. I read online that this has become a normal practice for them and many people have complaints. In the meantime, my credit report is still unavailable and because of this I am unable to obtain an urgent loan that I need. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX OpenACCOUNT INFORMATION DISPUTED BY CONSUMERClosed by GrantorDisputed by ConsumerCOLLECTIONI have disputed this account because it not my account and still has not been removed from my account and it has been over 3 months. 

Company response: Company chooses not to provide a public response
Consumer complaint: Money was taken out of my Wells Fargo account fraudulently XXXX and the purchase was made at a XXXX. I reported it to Wells Fargo who supposedly have give their customers XXXX liability against fraud. I called it in and was told I have to wait XXXX before I could even get a temporary credit back while they investigate when other banks automatically put the money back. I agreed knowing i never used the card as I was at work at the time the card was used. 10 days later they sent me an email denying my claim saying because i had my card there was nothing they could do about it. I read online and MANYYY customers have the same problem with them. I did not make that purchase and I need for wells fargo to honor their promise of protecting their clients against fraud. I have never had this issue with XXXX XXXX XXXX! 

Company response: Company chooses not to provide a public response
Consumer complaint: this is a fraud case and I filed a fraud affidavit with the FTC and sent it to Financial credit, but they refuse to acknowledge the information and continue to collect and report adverse information on my credit report. I told them that I have never opened a gas service account and I never lived near or at the address they say the account was located. I was homeless or living in a VA home shelter for 10 years. I had no need for a utility. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was giving Wilshire Credit my payments and they send it back to me they made me now delinquent and took my car I, have proof they did that XXXX months in a row not, only that XXXX would call me XXXX times a day harassing me for the money I, spoke with XXXX the supervisor and still did n't have any answers or how we can fix this. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Account was paid but never updated to the credit bureaus. 

Company response: Company chooses not to provide a public response
Consumer complaint: The reporting agency ( XXXX XXXX XXXX XXXX ) has reported that I owe them {$110.00}. I have never enrolled at any XXXX XXXX College nor do I have any children enrolled. 

Company response: Company chooses not to provide a public response
Consumer complaint: UAC finance my finance manager told me that my payment was due on XXXX XXXX this was on XXXX XXXX i confined it with her the times then on XXXX XXXX i was notified that my payment for XXXX XXXX was past due and that if i do not pay it they are going to take my car i expand to them what was told to me by my finance manager and tried to work it out with them but they refused to work with me 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I 'm filing this complaint against TransUnion because they ignored my request to provide me with the documentations that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the XXXX day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA, they are " required to promptly delete all information which can not be verified '', that I have disputed. Please resolve this problem as soon as possible. Thank You! 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America refuses to honor the Power of Attorney I submitted so that I can manage my Aunt XXXX financial affairs. They refuse to remove an unauthorized {$25.00} annual membership charge by XXXX XXXX XXXX from her {$0.00} balance account and refuse to close the account. If they had closed the account when I asked them too, XXXX XXXX XXXX would not have been able to perform their little money harvesting operation. 
I have called BOA repeatedly. Supposedly, they filed a complaint for me in-house and were going to call me back when someone had a response for me, but nothing ever happened. I got one ridiculous phone call from some poor call center person in a fake executive issues office ( every large corp has these and they are WORTHLESS ) who tried to tell me that I could n't do anything on my Aunt 's behalf. 
XXXX XXXX *My Aunt is XXXX that her Medicare assigned doctor did not test her for when asked to do so. This happened because my Aunt XXXX is " just a Medicare patient '' and this doctor does not treat the patients assigned to her by Medicare. I learned this from a whistleblower in her office. ( A formal complaint has been filed with the XXXX, but they are also a chronically corrupt organization with a 15 year record of failed investigations and legislative oversight boards that accomplish nothing. No wonder people riot XXXX XXXX. 
* * *Anyway, if I remember correctly, there will be a place at the end of this process to attach supporting documents. I have one file to attach with XXXX pages containing the POA and it 's proof of delivery by certified mail, the insulting correspondence from BOA, the last XXXX invoices for the BOA XXXX that I have asked them to close after removing the unauthorized charge. 
* * *I have also been communicating with a gentleman at Aunt XXXX XXXX BOA bank branch. At the commercial banking level, I have been able to function, remove debit cards and manage my Aunt 's checking account. XXXX XXXX has been very helpful thus far, but he was unable to help me with this aspect of BOA 's operation. 
* * *Please do not do what you did last time. Please do not just send all of this to BOA and ask for a response. That does NOT work. BOA is a monolithic organization that is too big to live. It is a nightmare of consumer abuse. The last time the CFPB did this, all I got was a response that was completely unrelated to the issue and nearly impossible to access on the website. Worst of all, the offending organization actually stated in their response that the case was closed. And I never could get anyone at the CFPB, even escalating to the Ombudsman, to follow through and make sure that the problem was solved. 
NOTE : In the drop down below there is no selection for Power of Attorney issues. I have talked to MANY people who are caring for the elderly who have been treated like XXXX by banks and other organizations - but mostly the banks. Please add this to the drop down. 

Please do better this time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm filing this complaint against XXXX because they ignored my request to provide me with the documentations that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA, they are " required to promptly delete all information which can not be verified '', that I have disputed. Please resolve this problem as soon as possible. Thank You! 

Company response: Company chooses not to provide a public response
Consumer complaint: Tax lien that has been released is still showing as unsatisfied on Transunion. Disputed several times with sending a copy of release and it is still misreporting 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a call from XXXX regarding a debt with Continental Finance. I told him to send a collection letter.He said they have sent letters to me.The only letters that I have received is from Continental Finance.He said he was going to start legal papers. The debt is below.The {$260.00} is for the {$96.00} annual fee, monthly maintenance fee {$5.00} a month and late fees. 

Credit Limit $ XXXX {$760.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: I was given incorrect information about payment allocation by several representatives. I have a credit card with Bank of America I was told that payments would go to the promotional rate ending the soonest. The way their statements are set up do not allow to see where payments are allocated. I made a {$1500.00} payment based on that information. I was not until the promotional rate ended that I saw that all my payments were applied to a different balance. I called to dispute this and was again given incorrect information I asked for an explanations on why then I was being charged interest and upon further research that information was incorrect. That all my payments were put on the promo rate ending later because it was a cash advance. I asked again why after several calls I was not told this and I was told it was a mistake. The rep told me to go to the nearest branch and talk to a manager and they would be able to help. Talked to her and she told me to wait for her to do research. Waited for XXXX weeks she called me back and said that they were aware they made a mistake and would refund me the interest and allocate the right amounts. This did not happen when calling I was told it was a XXXX time credit and I was responsible for the remaining balance on the nearest ending promo rate. That they would not allocate my payment to this balance regardless of any previous information I was given. I do n't really know what else to do since I would have never ever made a payment that big if I knew it would not be allocated to the balance ending the soonest. The way the statement is set up I had absolutely no clue where my payments where going. I feel completely ripped off and feel cheated. I ca n't believe that so many people would give me incorrect information and find their statements be so misleading. The gave me not any other really recourses. I 'm not asking for a refund just for them to do what I was told would happen on several calls and by a branch manager. I believe that any information given to a consumer should be accurate since its money that we are talking about. I have held my end by always making my payments on time and calling to inquire when I have a question. Their only responsibility to provide accurate information. 

Company response: Company chooses not to provide a public response
Consumer complaint: We advised the credit bureaus that XXXX, XXXX XXXX and XXXX furnished them with incomplete and inaccurate information. Review the attached documentation which was sent to each of the aforementioned banks. They detail inaccurate information we were given at the time of hurricane XXXX. The incorrect information was relied upon to make financial decisions we would not have otherwise made. We wrote to each individual bank and have escalated it to the highest level and have filed complaints with the Consumer Protection Agency. We have also filed complaints on-line and made telephone calls directly to each of the credit bureaus. We stated that the information reported by the banks was inaccurate inasmuch as it does not reflect the entire circumstances of events fairly. IT DOES N'T TELL THE WHOLE STORY. This is a violation of our rights under the, " fair credit reporting act. '' During hurricane XXXX both XXXX and XXXX XXXX verbally authorized via the customer service department a Disaster Relief program and/or moratorium of mortgage payments. At that time, neither bank fully disclosed how the waived payments would be repaid. We were told by both institutions that the missed payments would be added to the end of the loan. Both institutions told us after we had already taken part in the moratorium of mortgage payments that they must be paid in full at he end of the waived period. XXXX involvement is limited to having bought the loan from XXXX and has continued to report us late to the credit bureaus. However, since XXXX took over our loan in XXXX 2014 we have not missed or been late with a mortgage payment. Furthermore, if you research the history of loans with XXXX and XXXX XXXX, you will find that we have never been late or missed a payment and we are not in any foreclosure proceedings. However, the past reporting which still remains on our credit report has caused irreparable damage to our credit scores, my employment and our quality of life in general. 

Company response: Company chooses not to provide a public response
Consumer complaint: U.S. Bank debited my account incorrectly for someone else 's check. It was not caught until I reviewed my bank statement XXXX days later. This is at least the XXXX time this has happened in the last few years. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX Home Equity Lines of Credit with M & I XXXX Bank. BMO Harris Bank N.A . now claims ownership of these HELOC 's and has attempted several times to coerce me to redo the agreements. They have lied to me, threatened, bullied, misrepresented facts and used predatory practices in attempt to have me redo the HELOC 's. They have finally decided after several threats to " close the file '' to report that I am delinquent on my HELOC 's after paying without a missed or late payment approximately {$120000.00} dollars. After three attempts and different " reasons '' I must redo the HELOC 's, they settled on " your HELOC 's have matured ''. The problem with this and by BMO Harris 's own admission is that the M & I HELOC 's they acquired with the acquisition have no maturity date. They are attempting to scare approximately XXXX customers into redoing their M & I Lines of Credit to improve their bottom line. I believe this is an illegal practice and needs to be addressed properly. Further they are fraudulently reporting XXXX HELOC as a " charge off '' and another as " current ''. This is incorrect reporting to the credit reporting agencies. 
All of this is a result of BMO Harris Bank N.A . claiming ownership of the M & I Lines of Credit, illegally " calling them due '' and then reporting my delinquency to the credit bureaus when it is in fact BMO Harris Bank N.A . that has breached the Home Equity Line of Credit without question. They need to be stopped! 

Company response: Company chooses not to provide a public response
Consumer complaint: My score was XXXX then turned to XXXX sudenly XXXX month ago and I pay my bills in time 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently pulled my credit report and this company has reported that I owe them a debt. I have never received any letter from this company informing me that I owe them a debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I asked a credit card company for copies of my application and they were unable to provide them I presented this to Experian and asked that they remove the inaccurate information or at least request proof from the creditor They stated that they are not required to request proof and they do not require that the creditor submit proof that there word is all they need 

Company response: Company chooses not to provide a public response
Consumer complaint: FHA Loan Refinance initiated on XXXX/XXXX/15. It has been almost 3 months and no one can tell me a clear status of the loan. I am told that it has passed underwriting but is in review by FHA. I called FHA and they claim that FHA does not review loans. The credit scores and loan to debt ratio are supposedly ok. 

I have been given at least XXXX targeted closing dates that come and go with no clear explanation. The people I was working with initially all have disconnected numbers. All efforts to escalate have not been effective 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: There is an active XXXX account on my credit report which I have no knowledge of I have never had XXXX services before 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I received a call from Summit Receivables regarding a debt with XXXX XXXX. I told him to send a collection letter.He said they have sent letters to me.The only letters that I have received is from XXXX XXXX.He said he was going to start legal papers. The debt is below.The {$260.00} is for the {$96.00} annual fee, monthly maintenance fee {$5.00} a month and late fees. 

Credit Limit $ XXXXBalance {$760.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: Was charged a late fee of nearly {$40.00} on two occasions erroneously. The statements indicate that a late fee will be assessed if the payment is not received by the XX/XX/XXXX and in both cases the payments were postmarked by XX/XX/XXXX. I attempted to contact the servicer to find out their payment processing times in that I feel there was ample time for them to have received the payment, but do not believe that the payments were posted the same day as received. No one at the company was willing to discuss nor do anything to resolve the matter. 
I would opt to pay online but there is a fee to do so after XX/XX/XXXX. I pay my mortgage timely every month and do n't feel it is right to be charged {$80.00} in fees because they choose to sit on the payments for several days after receiving them. 

Company response: Company chooses not to provide a public response
Consumer complaint: My boyfriend and I were denied for an apartment application because there has been a false claim made on both of our credit reports indicating that we owe {$680.00} to XXXX XXXX Apartments. This information is false because a ) we have paid off the last of our rent and b ) we never collected our {$500.00} deposit. And when we left there was nothing in writing given to us by XXXX XXXX Apartments stating there was a remaining balance due. So with this going on we have now become XXXX step closer to becoming homeless because of this false claim. And when we went to investigate the claim XXXX credit reporting companies have no record of this claim and when we finally called Experian Credit Reporting, we could n't get a hold of an operator for hours of retrying and retrying different selections in the call menu. So now here we are and this complaint is going out on both XXXX XXXX Apartments and Experian Credit Reporting. 

Company response: Company chooses not to provide a public response
Consumer complaint: My girlfriend and I were denied for an apartment application because there has been a false claim made on both of our credit reports indicating that we owe {$680.00} to XXXX XXXX Apartments. This information is false because a ) we have paid off the last of our rent and b ) we never collected our {$500.00} deposit. And when we left there was nothing in writing given to us by XXXX XXXX Apartments stating there was a remaining balance due. So with this going on we have now become XXXX step closer to becoming homeless because of this false claim. And when we went to investigate the claim XXXX credit reporting companies have no record of this claim and when we finally called Experian Credit Reporting, we could n't get a hold of an operator for hours of retrying and retrying different selections in the call menu. So now here we are and this complaint is going out on both XXXX XXXX XXXX and Experian Credit Reporting. 

Company response: Company chooses not to provide a public response