AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Today, XXXX XXXX, I was contacted by Citibank in connection with my new credit account with Best Buy. Citibank representative notified me that the payment on my account was delinquent. I explained that I had performed a payment on XXXX/XXXX/16 before the required payment date of XXXX/XXXX/16. She explained me that this payment corresponded to the cycle of XX/XX/XXXX. I explained that this is a new account and that I had only received XXXX statement dated XXXX/XXXX/16 and performed one payment before the corresponding due date of XXXX/XXXX/16. Citibank did not credited on its XXXX/XXXX/16 statement the payment that I had made on that same date, even though as per Citibank representative the cycle was still open and the payment belong to this cycle. Therefore, I was expecting Citibank to credit the payment on the cycle corresponding to XX/XX/XXXX. However, as per explained today by Citibank representative, the payment was credited to XX/XX/XXXX cycle ( even though it was not included as such on the statement ) and the payment corresponding to XX/XX/XXXX is allegedly delinquent. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: A lady called supposedly from Lockhart, Morris, & Montgomery from the telephone number XXXX. First of the time of the call was after XXXX when the website states that the office hours given by the website are only until XXXX. She refused to give her name and was looking for my deceased mothers information. She asked my father who was on the phone with her to send her a death certificate. My father said he wanted a letter stating the type of debt and the original creditor along with a request for a death certificate to be sent via mail. She argued with him insisting that he take down an address to mail the death certificate to her. He then said he was going to put me on the phone so I could discuss this matter with her. When I got on the phone I asked that she send us a letter confirming the source of the debt and how much it was totaling as well as a request for a death certificate and that only then would I send her a death certificate for my mother after reviewing the request with an attorney. She refused and started to argue with me saying I did not have permission to talk with her about it and that my father only gave her permission to give me the address to send a death certificate too. After arguing with her for about two minutes I hung up on her. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX XXXX, I was surprised to find a collection entered on my credit report from Gold Key Credit , Inc. when I did n't have any prior notice, warning or communication that this debt was subject to or nearing collection efforts. At the very least, I would have attempted to settle the debt after confirming ownership to avoid this from hitting my credit report. I received a piece of mail on XXXX XXXX, XXXX from Gold Key Credit , Inc. requesting payment. According to their records, this debt occurred in or around XXXX XXXX. I was hospitalized for 5 days but XXXX XXXX XXXX XXXX reduced my debt to {$100.00} due to the fact that I was uninsured and unemployed. I can not confirm the validity of this debt as I was in a XXXX accident in XXXX XXXX and went to a different hospital, yet XXXX bills state I owed money to XXXX XXXX XXXX. The debt resulting from the XXXX accident has been paid through my attorneys and I produced documentation of payment to XXXX XXXX XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Six months ago I submitted an application for a loan modification after I had XXXX problems and XXXX renters who gravely violated the lease with not paying their rent, leaving debris and garbage all over the yard, inviting other folks to live with them, bringing in a trailer for even more people to live in, growing drugs and destroyed the electric meter by trying to slow it down. Spending over three months and expensive attorney bills to get them out, another month to clean and repair, replace appliances and find new tenants. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The credit card company withdrew 2 payments from my account without my consent leaving my bank account overdrawn. I contact them and they promised to reimburse my account in 24 hours. It 's been 4 days and I 'm charged with NSF fees. Todate, they have not returned the extra payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: Again probably for the XXXX time I contacted experian via internet to dispute wrong information on my credit report. The system would not let me do it as I previously disputed it. I called experian again and was told that they can not re-dispute the incorrect information for me. I sent in to experian a letter directly from XXXX who holds the XXXX accounts I am complaining about and trying to get corrected. I was told that I need to contact XXXX again and get a more detailed letter stating that these accounts were never paid late. The XXXX accounts are XXXX XXXX 's. They corrected XXXX and put that account in the satisfactory as it should be but did not and will not fix XXXX and XXXX account. This makes no sense to me as I personally spoke with XXXX to review all XXXX accounts they hold and they e-mailed me seperate letters for each account stating the information that experian is reporting is incorrect and should be corrected. I was never late on these charge cards and I have standard proof. Now they will not re-dispute it for me and the proof I sent in they are not accepting. How can it get more explanatory when the letter came directly from the bank. I have been putting so much time and effort into getting this corrected and now i 'm told they will not re-dispute it and want me to contact XXXX to get another detailed letter before they will re-dispute it. This is ridicilous. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are XXXX XXXX accounts that are listed on my credit report. Those accounts should be removed from my credit report as the last delinquency date is over 7 1/2 years old. Experian needs to delete all the XXXX accounts on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed several accounts with Commonweath Financial Systems and they agreed through XXXX to delete several disputed accounts from my XXXX Account. They were listed as NEW as of XX/XX/XXXX after their agreement to delete them in XX/XX/XXXX. Also showing up with XXXX by Commonwealth. These accounts were paid by insurance and never removed by the original debtor. I 've reported this agency to you before. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In 2005 My wife XXXX & Myself were forced to file chap.XXXX Bank Ruptcy we did not include the mortg held by Wells Fargo Mortg . co. wells Fargo was presented a letter of intentions to keep the property, complete the payments. they were instructed to sign this letter, & return it to the court within fourteen days they chose to ignore the letter. their actions have prevented us from being able to qualify for refinance through the Obama Harp progs. It took me years to find out why. I then contacted Wells Fargo They admitted to their mistake however they stated that it was too late because any actions had to be completed within that fourteen day period I just today found out how to contact you. My wish is to make corrections so we will be able to refinace under the rules, & regs. of the Harp progs. The reason for this cond. is that the Real Estate market collapsed in our area by XXXX %. It is slowly recovering but not enough to allow us to refinance under standard conds. to qualify for the Harp Progs is our only hope. Wells Fargo 's actions, or lack of actions has already cost us thousands of Dollars We still have 19 years left on this mortg.which is at 7.5 % int. any help you can offer will be a big blessing Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is refusing to do an accurate investigation. XXXX XXXX company is reporting an inaccurate balance owed on the account. I disputed the information and in XXXX day Experian sent notification that info is inaccurate. Experian refuses to accurately report my information. They are a second rate reporting agency. XXXX is also reporting inaccurate information. I do not have a balance with them. I dropped coursework before the deadline yet they 're reporting that I owe nearly {$3000.00}. It 's as though consumers have no standing against companies reporting inaccurate info And the credit reporting agencies support this mess. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. Since it has gone well past the 30 day time frame and the company 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 manner as soon as possible. Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: The company involved here is Ditech Financial LLC, previously known as Greentree Financial. 
On XXXX XXXX, 2015 I started receiving collection notices for a loan I did not take out. This occurred several years after I thought the issue was resolved. Therefore, I filed a complaint with the CFPB about this collection attempt. That case number was XXXX. After my last communication with the CFPB and the company stating what I expected to happen, I received no further collection action or communication from either. At that point I believed the problem was resolved. 
About a week ago. I received a XXXX from Ditech Financial LLC for {$1700.00} of debt discharged. When I called Ditech Financial LLC they told me the account was closed and that they would not change or recall the XXXX. Since I did not pay them any money, I do n't know how they discharged the loan but someone must have paid it off. As was covered by the previous case cited above, I did not owe this debt and had never done business with Greentree or now known as Ditech. 
This XXXX will adversely effect my taxes which will be the same thing as paying this debt I did not owe. Since I did not owe or pay the debt but someone else did, that someone should get this XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Extremely long wait to be attended through inside lobby. This happens every time I come to Bank of America. Why do n't they just add more tellers from XX/XX/XXXX-XX/XX/XXXX. I get that everything is online now, but this wait time is disrespectful to the consumer. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I ordered a refrigerator in a bestbuy store along with a 3 year protection plan and payment was made using my Bestbuy credit card. I cancelled the item before it was delivered. For some reason, the store missed to inform Credit card division about the cancellation and I got a bill from Citi cards. I spoke to the card division on the same day and did a conference call with the bestbuy store and they agreed their mistake and provided a confirmation number ( XXXX ) for cancellation. Later, I received another bill for some balance pending. I contacted Citi and Bestbuy store and they missed to cancel the service plan. They provided another confirmation number ( XXXX ). Still, I am getting calls from Citi and they found that a balance of XXXX $ not paid by the store. They added some late fees and asking to pay around XXXX $ to completely close the account. They also reported to the credit bureau and it already affected my credit history. I am getting atl east 5 calls from Citi everyday during my work hours and I am finding difficulty in connecting to the best buy store as most of the time, they place me in hold for a long time. Please help me in resolving this issue and correct my credit history. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I APPLIED FOR A LOAN WITH WHOM I THOUGH WAS US BANK I WAS TOLD THAT I WAS APPROVED FOR A PERSONAL LOAN OF XXXX HOWEVER TWO DAYS LATER THEY CALLED AND TOLD ME THAT I NEEDED TO PAY CREDIT LIFE INSURANCE OF XXXX DOLLARS WHICH I SENT TO THEM THRU XXXX TO XXXX THEY TOLD ME THEY RECEIVED THE MONEY FOR THE CREDIT LIFE, BUT THE STATE OF MICHIGAN PUT A HOLD ON THE LOAN AND STOPPED THE LOAN TRANSFER, AND THEY I NEEDED TO PAY XXXX FOR THEM TO TAKE THE HOLD OFF. I PAID THE XXXX. XXXX ALSO TO XXXX XXXX, THEN THEY CALL BACK AND SAID THAT THE HOLD WAS NOT REMOVED AND THAT I WOULD HAVE TO PAY FOR XXXX FOR A ATTORNEY TO HAVE IT RELEASED. AT THIS POINT I TOLD THEM NO THAT I HAD NEVER HEARD OF ANYTHING LIKE THIS HAPPENING TO RECEIVE A LOAN. I TOLD THEM AT THIS POINT THAT I WANT TO USE MY RIGHT OF RESCISSION AND CANCEL THE LOAN REQUEST AND TO SEND ME MY MONEY BACK. THEY TOLD ME THAT SOMEONE FROM ANOTHER DEPTARTMENT THAT HANDLES THAT WOULD CALL ME BACK IT 'S BEEN OVER A WEEK AND NO ONE HAS GIVEN ME A CALL. THE LOAN OFFICE THAT I SPOKE WITH SAID THAT HIS NAME WAS XXXX XXXX XXXX LINE XXXX, XXXX THEY ALSO TOLD ME THAT THEIR WEB SITE IS XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX a false tax return was filed as a joint return in my name and someone elses i followed all procedures for reporting identity theft with all federal and local authorities. There is numerous false delinquent debts listed on all three of my credit reports i did previously contact XXXX of the credit agencies nothing was fixed. In XXXX i received another attempt of id theft allegedly the IRS stopped it the thief was found and convicted yet nothing has been fixed on my credit reports preventing me from loans a house and several jobs. All documents supporting my case are available as public information from the federal case against the convicted individual who stole my identity 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This file was opened 27 weeks ago in XXXX, the online platform used to negotiate short sales. Since that time, though the file has gone to underwriting five times, the file has yet to be deemed a complete file. Nationstar appears to be reviewing single documents or single pages of documents instead of an entire file. I have persistently asked that this file be considered 'complete ' for a short sale. I have submitted files and documents for months! Time to make this a complete file. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I was never notified that I owed this company a debt and further more I never entered into a contract with this company and they have never provided me any services. I was never afforded my rights according to the FDCPA 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: To Whom it may concern : Re : Sears Visa Card, keeps calling my home phone number to collect a debt against " XXXX XXXX '' or my wife XXXX. Collection Phone number is XXXX. No caller ID indicating it is a call from XXXX is provided from the callers number, but I have verified that the phone numbers is a Sears Visa Collection Number. 

I have called them several times to tell them we are on the DNC lists, do not have a Visa Card with Sears and to stop calling this number. Every day since XX/XX/2016, there is at least one phone call and a computer animated message left on our answering machine. Other times it is a call and a hang up, no message left, which is disrupting and harassing in nature as I have asked them to cease and desist. 

This is an ongoing attempt to collect a debt, that is not my our own. I have asked them to remove our phone number from their automated system and it still continues as of typing this on XXXX/XXXX/16. Please help as this continues and needs to stop. 

XXXX, XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I took out a loan from CashCall in XXXX at an interest rate above 90 % at first I was making good payments of {$290.00} on the loan even at times making extra payments for a close to 21 months. I ran into some had times and could not afford the high monthly payments, my loss in income and health issues, I did not have the money to make the payments of {$290.00} every month. The loan from CashCall was originally {$2600.00} at 135 % APR so XXXX payments a total of {$6100.00}. CashCall states I still owe them {$1200.00}. I have sent them letters that I was on XXXX from my job and with a lower income it was very difficult to make the {$290.00} payments every month. CashCall sent a letter back offering to accept a final payment of {$120.00} to close the account and show paid as agreed on my credit report. I sent them the payment within the offered time that CashCall demanded. I sent the payment on XXXX XXXX XXXX as of today XXXX XXXX XXXX, CashCall has yet to process the payment, but now sent me an email stating that I owe the {$6000.00} plus dollars and they are will to settle the debt for {$1500.00} dollars. When I sent them an email regarding the matter the stated that I needed to call them to resolve the matter. I said I would like to correspond with them via email, because I do not like how the mislead clients and deceived consumers. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Identity theft. Someone opened up XXXX XXXX XXXX online XXXX using my name, social security # and fraudulent home address on XXXX/XXXX/2016. My ID XXXX notified me of issue and I called XXXX XXXX to notify on XXXX/XXXX/2016. XXXX XXXX closed account on XXXX/XXXX/2016 but has refused to send letter to me detailing fraud. Report from Chex systems lists incorrect address in XXXX Tx ( Fraud ) and incorrect consumer inquiry. Chex Systems states that they can not remove the incorrect information unless XXXX XXXX contacts them and notifies them of fraud activity and instructs them to remove. XXXX XXXX refuses to do so. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: As a XXXX customer, my personal information was involved in a data breach at Experian. As a result of said breach, Experian offered a lifetime of credit monitoring through it 's subsidiary, XXXX. I signed up for this offer for my personal data being breached in XXXX 2015. I was given the following Experian XXXX Number : Experian 's XXXX Customer Number : XXXX Upon opening the account, I was given access to my Experian credit report and alleged activation of monitoring services was required for me to set up. 

XXXX XXXX, 2015 I signed into my XXXX account and was surprised to see that the credit report I pulled in XXXX was deleted, showing in my account as " No credit report available '' although I pulled it in XXXX 2015 and in my archived credit reports section it shows " no credit reports archived '' although I had XXXX pulled in XXXX 2015. 

Experian left a customer service phone number of XXXX, but it only lead to pre recorded messages. I then noted that another number flash XXXX XXXX XXXX which disappeared. I called that number and reached a Experian person that stated they delete the credit reports from pulls and archives after 30 days and I can buy a new XXXX for {$9.00} from them. 
I was shocked to hear this as I am entitled to my previously pulled credit report. She ( XXXX customer representative ) stated I was not and I requested a supervisor. 
The supervisor said they delete all reports after 30 days although there is a archived section on my account. It appears this not available to consumers effected by the Experian/ XXXX breach and they are trying to upsell me furthering effecting me due to this breach. I asked the supervisor how I can get my previous XXXX report and I was told that I could go to free annual credit report or buy a report from them. 
I stated they were breaking several of the FCRA laws and I was hung up on. 

Company response: Company chooses not to provide a public response
Consumer complaint: I pulled my credit report on XXXX XXXX, 2016 and found a collection listed on XXXX XXXX, 2016 from Credit Management LP. I have had no prior contact with Credit Management LP and have no agreement nor contract with them. The contacted XXXX separate third parties concerning this alleged account illegally. 

Credit Management LP never sent a notice to me that they were attempting collect a debt, instead they just reported this unvalidated debt to all XXXX credit bureaus and in doing so violated the Fair Debt Collecgtion Practices Act 15 USC 1692g Sec 809. This law provides me the right to dispute their claim and prevents them from reporting their untruthful claim to credit bureaus if I dispute it. The violated my rights and the law by not notifying me of the alleged collection account, then again by contacting a 3rd party about it. 

I sent a Notice of Pending Litigation letter seeking relief and monetary damages to them on XXXX XXXX, 2016. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: There was a charge to my account on XXXX/XXXX/16 I did not recognize so I called to report fraud. They closed my account and sent me a new card while they investigated. Then on XXXX/XXXX/16 there was another charge from the same merchant but on my new account? I found this out when I called them to follow up on the status of the first fraud charge. The amount was different than the first charge. The amount is reflected in my balance but is no where in my activity or on any of my statements. They can not explain why but assure me the charge is there. Again I told them I have not done business with this merchant and I want it removed. I was angry they even allowed the second charge and did not even notify me. And therefor what is the point of closing the account and giving me a new XXXX if the person committing the fraud can still charge the previous account and then it bounces to your new account. Their explanation was I must have signed up for something with monthly payments. Again I told them I did not. Next they closed my XXXX card and issued me a third XXXX. They gave me the number for the merchant and I called and spoke to a man. He said it was his business but he did not charge my account. He said if I can show him proof with a statement or activity he would gladly send me a money order. I called the credit card company again and they told me they ca n't print it and they have no idea why I ca n't see it or why it is not on my statement. So I ca n't go that route. Next they said they will need to start another fraud case and investigation for this new charge. At this point it has been 2 months and about ten phone calls around in a circle with a different person every time and the amount is still reflected in my balance. The last person I spoke with assured me they would take care of it and it would be XXXX5 business days. It has been XXXX now and I 'm fed up and very angry. I also wrote them a complaint letter and go no response. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response