AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I RECEIVED A LOAN FROM WESTERN SKY IN XX/XX/XXXX FOR XXXX...THEY IMMEDIATELY SET UP A PAYMENT PLAN FOR XXXX PLUS INTEREST, THEY LATER STATED THAT XXXX WAS PROCESSING FEES...IT WAS THEN SOLD XXXX...I HAVE PAID BACK APPROX XXXX TO XXXX, MAYBE A LITTLE MORE...I HAVE SENT THEM EMAILS ASKING THEM TO RECALCULATE MY LOAN BASED ON MY STATES INTEREST RATES (6%) ..I LIVE IN PENNSYLVANNIA...THEY REFUSE TO ACKNOWLEDGE MY EMAILS BUT XXXX RETURNED AN EMAIL STATING THEY WILL BE TURNING ME OVER TO THE CREDIT BUREAU...SINCE THEN OTHER DEBT COLLECTORS HAVE CALLED ME REGARDING THE BALANCE WHICH IS WELL OVER XXXX....HOW CAN I GET THEM TO REMOVE THE NEGATIVE INFORMATION FROM THE CREDIT BUREAUS AND CLOSE THIS ACCOUNT SO OTHER DEBT COLLECTORS WILL STOP BOTHERING ME ABOUT IT...THANKYOU
Company response: Company chooses not to provide a public response
Consumer complaint: Checked my credit report and have a derogatory remark against my credit score. 
A debt of XXXX dollars for a electrical bill in XXXX, VA. 
I do n't live in XXXX. So of course this could be identity theft as well. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There 's a name on there that is not mine into addresses do not mind name is XXXX XXXX XXXX my name is XXXX and there at address is in there were XXXX addresses that are not mine XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX never lived in XXXX my name is XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: This is on my credit reports. I do not believe it is right. I have never received mail from them. I do not want them calling me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a false statement saying that my recently deceased Husband owed a third party some debt. My husband owed no one anything. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hi, my name is XXXX XXXX, l would like to file a complaint against wells fargo bank in XXXX XXXX, fl.XXXX for mishandling funds in my checking account. they close the account so l want have showing proof what l had in the account and have access to loginto my account to my knowledge l had {$5000.00} XXXX dollars at that time. the moneythat l had my account was for college, l, am a XXXX in college taking XXXX. lwould like to receive my funds back in a check or whatever. Thank You. 

Company response: Company chooses not to provide a public response
Consumer complaint: I would like for your organization to investigate Wells Fargo online personal banking practices. 
I have XXXX loans with the bank and continue to have problems making online payments in the amount I prefer to pay when I make a late payment. Example, I want to pay the late fee and the past due payment and their online system will not let me pay this amount to bring my account current. Their system gives me a choice pay the minimum past due amount or the past due amount, late fee and current payment due now which usually is not due until later in the month. If I pay the minimum past due amount the late fee is still past due and I will incur interest and usually another late fee charge. Their system does n't let me pay what I prefer to catch up and I feel this is very unfair to the consumer. 
I 'm consistently being charged late fees in the amount of {$39.00} when I make a late payment ( never more than 30 days late ) usually within the first 5 days. The XXXX type of loans I 'm referring to are unsecured personal and consolidation loans. 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested my free annual credit report from transunion after requesting and receiving my credit reports from the other two only to be told that I had already requested and been given my transunion report. They told me I could buy one though .... I HAVE NOT already received this report. I always get them in XXXX 's, there is no reason I ever would have gotten just one, let alone the transunion report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a phone call from an unknown number. The caller stated that I need to call back to the Florida Attorney Gereral office at XXXX XXXX XXXX - attorney general state of florida. They threatened me stating that if I do n't call back within XXXX minutes, I will be arrested and thrown in jail for 6 months. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am only XXXX days late with my payment. I pay XXXX for my car and I was called stating if I did not pay today, they were reposessing my car. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a collection account for XXXX fall off my credit report in XXXX 2015, as of XXXX XXXX 2015 XXXX XXXX. XXXX put it back on my credit report as a new collection and date, My score when dropped went up, now it is back down with only this collection ruining my credit.. 
Thank You 

Company response: Company chooses not to provide a public response
Consumer complaint: The account was charged off and sold to a Debt Collection Agency. I have since paid the debt in full. My first issue is that the information reported is inaccurate and differs on all XXXX of the credit bureaus records. The second issue is that the account is showing a status of " late ''. The account is n't late. The account has been paid off. There are n't any pending payments they are awaiting. I 'm not late on payments. This is hurting my credit score. The third issue is that I 'm a NYS resident. In NYS paid charge offs report for XXXX years not XXXX years. According to the credit bureaus the account staut will not allow me protection under NYS law due to how the account is being reported to the credit bureaus. The information that is reported is inaccurate and misleading. The information as reported is hurting my credit score and will make it difficult for me to secure services at a competitive interest rate. 

Company response: Company chooses not to provide a public response
Consumer complaint: On first contact, I informed representative I could not have these calls at work. He continues to call on a regular basis. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I mailed them a letter asking for legal validation of this debt on XXXX/XXXX/15. They have not responded to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: These XXXX XXXX XXXX loan accounts are appearing incorrectly and in duplicate on my report. These XXXX accounts have been completely forgiven, and I have paperwork from XXXX XXXX to document this. They are no longer owed and have been 100 % discharged by XXXX XXXX and should no longer be appearing under my name ( unless it 's to report positively that these have been closed with a positive status ). After several disputes with XXXX XXXX directly, I was able to obtain documentation in writing that these loans had been discharged from my name. 

XXXX of the places these XXXX accounts appear on my report is correct. They are all reporting under slightly different company names/amounts/account numbers- but it was because XXXX XXXX had transferred the accounts to multiple departments and they reported as well. Transunion has allowed all to remain on my account, even though they are all clearly the same company. 

The other XXXX places these accounts appear are 100 % incorrect- resulting in XXXX negative charges to my report that should not be there, and are negatively affecting my score. I have sent in documentation and disputes to Transunion a number of times, including the letter from XXXX XXXX directly supporting my complaint- but I have received automated responses and no correction. We are planning to purchase a house in the near future, and this is negatively affecting my ability to do so. 

Company response: Company chooses not to provide a public response
Consumer complaint: Good day, On XXXX XXXX XXXX, 2015 I had to have some papers copied to give to a new landlord the Wells Fargo bank branch that I am a member of was open right before the holiday since, most business were closed and the bank was opened I went in to see if I could get the copies made that I needed and I was able to get the copies made. 

Nevertheless, while I was having the copies made XXXX a branch employee of the Wells Fargo Bank and a new employee started to tell me how getting a secured credit card would help me get the apartment I was looking to move into since I was facing a 60 day evection notice and I was trying to move before the time limit expired since, I am on section XXXX and have a good record and never have gone through an evection and did not want my record to have one. so I went through the intake process for a secure credit card .At the time XXXX tole me he would call me to tell me weather I was approved or not and I left the bank to take care of my business. I never got the phone call so I was under the impression that I was not approved for the card because I did not receive any,1 ) paperwork on the account telling me about the rules and regulations ''. " 2 ) I did not receive a temporary card for the new account ''. " 3 ) And this is the most important issue I have I did not receive the phone call telling me wether or not I was approved for the " Secured Card ''. 

Therefore, when the XXXX U.S. dollars was taken out of my account I was taken back because I did not think I was approved for the Secured Card because I was not notified of the transaction by any means the money was just taken out of my account. 
The next step I took was to call the bank, at which time I was told I need to go into the branch and talk to XXXX so, when I did he said he did call me and that my phone was not working, now the real issue was XXXX did not know to put a ( wait for it ) " XXXX '' in front of a LONG distance phone number ''. '' and that is why he could not reach me ''. " With this kind of mistake I can not do business or I do not want a " Secure Card '' and I asked to have the funds returned to my account and because it was only " 3 '' working days since I had signed up for the Secure card I did not see any reason for it not to be reversed. 

I was told though that they could keep the XXXX U.S. dollars if they wanted but they might take 7-10 day if they return it. 

Finally, this is not right and it was not explained to me at the time I signed the paperwork otherwise I would have declined the card ". " They did this same thing in California and the State Attorney general in that state brought fraud charges against Wells Fargo in similar cases. 

what would you like the business to do to settle your complaintGood day, put the XXXX U.S dollars back into my account in a timely manner and now that I have had to file a complaint they should have to pay interest at 3.5 % which is much lower than if I were using there " Secure Card '' which would be more along the line of XXXX % interest ... 
XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I are in the process of buying a home. I was working with XXXX XXXX ( NMLS # XXXX ) on submitting a loan application. 
We received a call from a friend, ( " XXXX '' for the purposes of this story ... XXXX is another broker ) we worked with on getting our pre-approvals when we were making offers. He told us that XXXX had called him pretending to be my husband. " XXXX '' did n't recognize the voice and said he would have to call back and got a phone #. The phone number was a XXXX phone number ( we are in XXXX ) and the voice mail said " XXXX ''. " XXXX '' decided not to leave a message and XXXX called back saying " Hi this is ( insert my husbands name ) '' and when " XXXX '' questioned him saying " I just tried calling you and it went to voicemail of someone named XXXX '', he said " you must have dialed the wrong number ... what rate were you giving us ''? 
Clearly he was acting unethically and likely trying to gain a competitive edge over the other broker we are working with and committing fraud pretending to be someone he is not. I am not only angry but nervous knowing someone like this has my confidential financial information 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I have contacted credit reporting agency TransUnion multiple times by regular mail, by certified mail, I have asked them for method of verification, and continue to respond as as account verified, How could this be possible if I contact XXXX on account # XXXX and they do n't have the information that TransUnion is reporting. They simply ignore any request your send to them and respond with their automated system. I need this matter taken care of and have this account deleted as it is erroneous and useless in my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX dismissed XXXX XXXX XXXX, XXXX judgement for an unpaid balance of {$10000.00} on XXXX XXXX, 2015, but debt collectors from XXXX XXXX continue to repeatedly call me and harass, verbally abuse and swear at me and threaten me with arrest and wage garnishment. The debt do not belong to me. The court dismissed the judgement against me. XXXX XXXX XXXX XXXX, is in violation of the Minnesota Debt Collection Laws and Fair Credit Reporting Act. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I previously challenged the accuracy in reporting of several bankruptcy listings on my Transunion report. Federal Courts, because of privacy laws do not release social security numbers to credit bureaus. Pursuant to Rule 1005 of the Federal Rule of Bankruptcy Procedure all documents filed with the court are to contain only the last four digits of an individual 's social security number or tax identification number. The XXXX XXXX of Illinois does n't provide any information to any credit bureaus, all this information is obtained via third party. I would like to know how Transunion can verify the validity of the bankruptcy entries listed on my credit profile. Transunion has also failed to provide the name of the furnisher, address and telephone number. My social security number and the social security number listed in the federal courts do n't match. How can Transunion tie this account to my name and credit profile? This is inaccurate reporting and a violation of the Fair Credit Reporting Act. My social security number does not match what is in the bankruptcy records. I 've verified this information through XXXX. If, the bankruptcy does match my records Transunion needs to match my full nine digit social security number along with a filing date and case number and if not Transunion must DELETE the entries associated with bankruptcy from my credit profile. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a XXXX credit card through Barclays and I was just charged some kind of deferred interest, of which they provided no advance warning, of over eight hundred dollars in a single charge. I was steadily paying off this balance and was XXXX XXXX dollars below my credit limit, and now I am, out of nowhere, XXXX XXXX dollars over my credit line. I do not understand why they are just allowed to do this, which completely messes up my credit and short term budgeting, which no warning or clarification. Please help me deal with them to try to get this egregious charge taken off of my account. Do n't they have to provide notice or explanation? If they were about to charge me XXXX XXXX dollars of interest, should n't they have notified me, since they notify me automatically every XXXX month when a payment is due. 

Company response: Company chooses not to provide a public response
Consumer complaint: The account was charged off and sold to a Debt Collection Agency. I have since paid the debt in full. My first issue is that the information reported is inaccurate and differs on all XXXX of the credit bureaus records. The second issue is that the account is showing a status of " late ''. The account is n't late. The account has been paid off. There are n't any pending payments they are awaiting. I 'm not late on payments. This is hurting my credit score. The third issue is that I 'm a NYS resident. In NYS paid charge offs report for XXXX years. According to the credit bureaus the account status will not allow me protection under NYS law due to how the account is being reported to the credit bureaus. The information that is reported is inaccurate and misleading. The information as reported is hurting my credit score and will make it difficult for me to secure services at a competitive interest rate. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian was one of three credit agencies I used to collect my free annual credit report. Because credit reports do n't actually present your score, I purchased one online from Experian for about {$5.00}. 

During this process, I apparently agreed to a recurring monthly membership fee of {$20.00}. I agreed to no such thing, at least not voluntarily. It is possible I missed some auto-filled check box or something else that indicated as such. 

I contacted Experian about two days after the charge posted to my account to explain my situation. After talking to her supervisor, XXXX, the support person, said they only offer refunds for 24 hours after payment. She offered to cancel my service, and I accepted. 

I believe it 's unethical to offer one service, and then use a confusing, deceptive, or unclear user interface to trick site visitors into purchasing unwanted services. I 'm not an XXXX or a Internet newbie, I kept watch for such things and still missed it. 

Mistakes happen, and Experian should be required to acknowledge my mistake and refund my {$20.00}. I have a family XXXX, every dollar counts, and I 'm trying to repair my credit, not provide a target for corrupt companies that claim to care about my circumstances. 

Sincerely, XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Account listed XXXX under XXXX different account numbers. Mortgage servicing transferred between XXXX companies but only XXXX loan. Experian refused to correct and when I tried to upload documentation (included here) Experian placed a block on me so I could not. The XXXX date of delinquency was XX/XX/XXXX and the account fell off all XXXX reporting agencies by XX/XX/XXXX. Unfortunately the duplicate account is still present on the Experian report. By phone on XX/XX/2015 I spoked with (XXXXTeam Specialist) for Experian (would not give me any more identification) informed me that it is my job to verify the data with the creditor and to give Experian the name and number of who I talked to and they would follow up. I informed him that I wanted to know who Experian talked to for validation of my data and XXXX informed me that they did not have that information and was not required to have it. I asked him if the verification was done by automated response and he could not answered. I have enclosed the documents I was unable to upload through Experian below to validate my claim and hopefully get my Experian credit report to show accurate information. I have included a more detailed version of events below. Thank you.
Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America solicited me via their website for opening of a checking account. The solicitation included an offer of {$300.00} for the opening of a new checking when there are XXXX direct deposits of {$2000.00} apiece. Their terms included a mention that deposits should come from an employer or an outside agency. I had XXXX deposits of greater than {$2000.00} within the XXXX month of opening the account, and yet, no reward deposit. I waited for processing times, and then began to look into the issue, at which point I was informed by customer service, including a supervisor, that my deposits were not 'qualifying ' and that I would therefore not be receiving the new account promotion. I informed them that I had a copy of the original terms, and they were unwilling to resolve the issue by crediting my account with this promotion. I was told that the promotion was entered on XXXX ( which is a week after the account was opened ). XXXX of the qualifying deposits was received on XXXX, and I think the holdup on the processing is due to the delay on Bank of America 's part in properly coding my account. I received conflicting information from a supervisor, who attempted to then tell me that the promotion was processing, but failed to provide me with concrete resoution to the conflicting information and did not provide a timeline for when I could expect to see the credit. I feel this is textbook 'bait n switch ' advertising, and that their institution hoped I would go away or did not have my ducks in a row. I have attached a copy of the original promotion as well as activity statement showing the deposits. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a customer with Regions Bank since XX/XX/XXXX. I opened this check account in XX/XX/XXXX. On XXXX XXXX, XXXX my checking account was debited XXXX times for {$190.00} for XXXX XXXX XXXX purchases. I noticed these charges on XX/XX/XXXX and immediately went into a Regions XXXX on XXXX XXXX and filed affidavit charges. They explained to me the charges could take 7-10 days before they are reimbursed. I let them know at that point I had been a customer since XX/XX/XXXX. 
There were also charges pending for {$180.00} XXXX times from a company called XXXX, and a {$60.00} charge from the same company. I filed a second affidavit XX/XX/XXXX for XXXX charge of {$180.00} that had cleared overnight. I went back to the bank and withdrew my remaining funds before the crooks continued to clear out the rest of my money. I was told at that point that I did not need to fill out a XXXX affidavit for the remaining charges. On this day XXXX XXXX, XXXX I have still not been refunded for all the fraudulent charges. I have notified the police in my city and have a case number. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2011, I was arrested by XXXX XXXX XXXX District Attorney 's Bureau of Investigation. Before booking me at the XXXX at the XXXX, booking number XXXX, I was taken to the XXXX hospital to be check out. Why that was done I do not known? But since I was in handcuffs, I had no say so in the matter. All so, I would like to point out that at the time, I had my own Doctor. His name was XXXX XXXX XXXX located in XXXX, ca. Since 2011, I have tried to resolve this issue with CMRE Collections but to no avail.I have letters and information verifying everything I had said. In fact, I sent CMRE collections a letter showing that I was in police custody at the time. 

Company response: Company chooses not to provide a public response