AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX my Credit cards was compromised, taken over by an identity theif ... as well as my email was hacked. 
I contacted the CC and reported this. I also put an alert onto my credit through you. I recieved my credit report and see that you have the HACKERS address listed as mine. 
The Theif 's address is : XXXX New XXXX XXXX XXXXXXXX XXXX ( address ID # XXXX ) I have NEVER lived XXXX, nor do I have friends or family there. 
I have lived XXXX for the past 27 years, and XXXX where I own a home and have lived for over 10 years at the same address : XXXX XXXX XXXXXXXX. XXXX am NOT moving. 
Please remove the XXXX address from my report IMMEDIATELY as that is the identity theif, Not me. 
I just call the CC to see why I did nor recieve my new CC, they said the Hacker/Theif had gone in and changed my address and mothers maiden name AGAIN. 
Because you have the error address on my report, this theif may be able to get into all my accounts. 
I spent a whole day trying to fix this and calling all my accounts on XXXX, and the theif has already gone in again and changed my info. 
PLEASE help! I am no a wealthy person and can not afford to loose money or credit. Thank you, XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I was recently made aware of a debt that I may owe to XXXX XXXX XXXX XXXX XXXX in the amount of {$78.00}. This debt was related to a deposit account I had with this organization. I noticed the debt reporting to my credit files and disputed the information. I was quickly advised in writing from XXXX XXXX of this debt. I made a call to XXXX XXXX this morning XXXX/XXXX/2016 to advise them of my intention to pay this debt for {$78.00}. They had advised me this account was placed with a company called Monterey Financial based out of California. 

I contacted Monterey Financial when they opened this morning ( XXXX/XXXX/2016 ) and was advised for my account number with them and that my balance is not {$78.00} but {$120.00}. I argued stating that XXXX states it to be {$78.00} and that is what they are reporting. They stated that the account was placed with them for collections over 3 years ago. They had very old contact information and had no way of getting in touch with me. They stated they last attempted to reach me on XXXX/XXXX/2016 with no luck as again the information they had was almost XXXX XXXX XXXX. 

After going back and forth with their Agent XXXX XXXX XXXX. I decided I was getting no where. So I contacted XXXX again and they informed me that anything they would be charging would be their fees or accumulated interest on my original debt. 

To the best of my knowledge the FDCPA expressly forbids this. As a consumer I am not required to pay any unauthorized charges such as interest rates, fees, or other charges. XXXX also advised me on this call that only the amount of {$78.00} would be sent to them. I called back Monterey Financial and they advised me that the total amount of interest was billed at XXXX cents/day. This brought my balance to {$100.00} and they were charging a {$20.00} processing fee to handle my payment. They also advised me that they total amount of {$100.00} would be sent to XXXX and they only collect the {$20.00} for the payment fee. 

As far as I can tell I am paying an unlawful 10 % interest on a {$78.00} debt to capcom fcu and an unlawful {$20.00} payment processing fee to Monterey Financial. 

I made this payment because I am attempting get approved for a mortgage and was advised this could potentially hinder me. After making this payment I quickly researched and realized that I may have been charged undue interest and payment fees on behalf of XXXX and Monterey Financial. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: On XXXX XXXX, 2015 I log into Navy Federal Credit Union to setup some bill pay because I have my XXXX Salary go into this account there are some bill that nee to paid. Everytime I week there 's problem with my Navy Federal Credit Union Account either suspended my account for membership verification or withholding my pay because of fraud and not refund my money back into my account. Now today this what I see when I log into my account this message. 
Your service account has been suspended because we were unable to withdraw funds from your payment account. You will receive an email or letter in the U.S. mail about the returned payments. For info on reactivating your account, call XXXX. 

Please investagate the product and services and why they just suspended your account without notify you and ensure that are working according to United States Banking Federal RegulationsBecause your account is suspended, you are currently unable to use all of Navy Federal 's Bill Pay Service 's features. To cancel a pending payment or to print a list of your e-bills and payments, go to Bill History. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I called XXXX when I first got this bill. I was charged an amount for collect calls that was different than advertised. On the phone my son called me collect from was a sticker that said {$1.00} for XXXX or XXXX mins? but ended up being {$23.00} per XXXX minutes. I would have never accepted a collect call at {$23.00} for XXXX mins. So XXXX said we would dispute it, immediately closed that account and opened me a new XXXX. Giving me my same # XXXX XXXX told me I would only be responsible for what I owed them ( XXXX ) for my regular phone service. Then I get contacted by collections for the whole amount. I tell them the agreement and a lady at Receivables Performance agrees to the terms also. Later I apply for a loan for a car and find that on the day of XXXX XXXX 2015 when I made an agreement with RP to pay what I owed XXXX XXXX XXXX ( minus the collect call charges ) @ {$25.00} a month they then put it on my credit report. I recall being told that by paying $ XXXX/mo. would not only get my bill paid, but would keep it from going on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Trans Union is ignoring my requests to investigate, verify and remove some accounts from my credit file that do not belong to me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I called back around XX/XX/XXXX to cancel my Citi credit card. I called and cancelled before the {$450.00} fee was due. When i called they told me since i called before the fee was due they would credit the fee and i wouldnt owe anything. Well instead of doing that they left the fee on there and started charging me late fees every month on something that I dont even owe. I know i should have logged back on my account and checked it but I had just figured it would all be taken care of. Now citi has sent that account to collections and it has been at collections for over a month and they refuse to look into it and refund me the fees. I think the whole thing is pretty XXXX. I always pay my bills on time and they can even tell you i NEVER had a late payment. No because they did this my credit is ruined and my credit score has dropped over XXXX points. I would like for them to fix their mistake and give me an apology and contact the credit bureaus and get it straitened out with them so my credit score goes back to where it should be and it doesnt show i have an excessively late payments on there. This whole thing is really frustrating and the fact they wont talk with me and fix their mistake really XXXX. Also either the credit card company or the collection agency owes me a little over XXXX dollars in refund that i still have yet to see from either of them. Since i no longer have that card anymore i am not sure of my full account number but i believe it ends in XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: receivables performance management has been calling my personal phone nonstop asking me to verify personal information but when asked what its in regards to they hang up. now they are calling my place of employment, i dont know if they are even calling for me because any time i ask them a question they hang up. 

Company response: Company chooses not to provide a public response
Consumer complaint: Once upon a time I had a XXXX phone. My contract was up XXXX month prior to the phone ceasing to work. I paid my last bill ( for a phone that was n't working ) and XXXX continues to harass me, and claim I owe them money for a {$50.00} phone I have n't owned since 2009. I want this off my credit report and I want XXXX to know that I am not paying them another dime. 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife received a letter from the Navy Federal Credit Union dated XXXX that stated " we have received notification from the Social Security Administration of the passing of XXXX XXXX XXXX. " This letter contained 2 lies I was not dead and the Social Security Administration stated they did notTell the NFCU I was dead. 
Then on XXXX/XXXX/15 the NFCU transferred {$2100.00} from my joint checking account to my checking account. 
Then stole the {$3300.00} from my checking account and closed my account. The record shows my money went to a DEBIT. 
Three checks were paid by my overdraft account and charge me {$1.00}. at lease one check bounced, I was not informed of this by NFCU. The first week in XXXX When the electric company turned off my electricity and informed me that my check bounced and I had to pay a reconnect fee, and a deposit would be required to establish my credit and get my electric turned back on. 
On XXXX XXXX after having my debit card refused I went to the NFCU to find I was listed as DEAD. 
# XXXX XXXX. Also on XXXX/XXXX/15 the NFCU reopened and deposit {$3300.00} in my checking account, this was a replacement for the funds stolen on XXXX/XXXX/15. On XXXX/XXXX/15 {$1400.00} was deposit in my checking account as my benefit check. This amount ( {$1400.00} XXXX was transferred to the NFCU as an adjustment XXXX XXXX. on XXXX {$1400.00} was deposited as my normal monthly deposit. But my $ XXXXAnd {$450.00} retirement pay was not. 
On XXXX/XXXX/15 the NFCU deposited {$1800.00} in my account as an adjustment cr. This brought my totalTo the correct amount {$6000.00}. XXXX NOTE : the NFCU is calling this an error credit ) THE NFCU asked and received two MONTHLY PAYMENTS {$2800.00} FROM my benefit payee. 
THIS PAYMENT WAS PAID ON XXXX/XXXX/2015. THIS REQUEST AND PAYMENT WAS IN ERROE. 
THE REQUEST SHOULD HAVE BEEN TO MY RETIREMENT PAYEE! TWO MONTHY PAYMENTSWOULD COME TO {$3700.00}. 
THE PROBLEM NOW IS THE NFCU have posted 4 monthly payments from my benefit payee over a 2 month period. AND ZERO ( 0 ) PAYMENTS FROM MY RETIREMENT PAYEE, OVER THE SAME PERIOD. 
ON XXXX/XXXX/2015 we return to normal direct deposit. Then onOn XXXX/XXXX/2015 {$1400.00} is taken out of my account and given to adjustment XXXX andOn XXXX/XXXX/2015 {$1800.00} is taken out of my account and given to adjustment XXXX XXXX 
These two adjustment total {$3300.00}, the same total as the amount stolen from my account on XXXX/XXXX/2015. 
THE NAVY FEDERAL CREDIT UNION IS NOT CAPABLE OF MANAGING A DIRECT DEPOSIT. 
XXXX XXXX XXXX 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I am an XXXX XXXX service member with SCRA benefits. I have an auto loan through XXXX Bank and I have been late on the account 2 times since I have had the car and XXXX times the account was late XXXX3 days and the most recent XXXX I tried to call in and pay on the XXXX with a due date of XXXX and he told me to call back the following week to avoid a fee so I did that and then they reported it late after being told they would not. I got the car before I went on XXXX XXXX and I should be getting charged late fees plus nothing should be going on my credit while I am trying to serve our country. I should not have to be dealing with things like this in my current situation. This is why there is SCRA protection. I would like the late payments removed from my account immediately 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Hello my name is XXXX XXXX. I applied for my credit report on line from Annual Credit Report.com. I filled out all of the information sheets. XXXX and Trans Union wanted a questionnaire filled out of personal info I should known. I filed the form out and XXXX refused to give me my on line report XXXX wanted me to write in for the report. I fill they are discriminating and would like to file charges. Please follow up so I 'll know what to do how to file. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed for chapter XXXX bankruptcy relief on XXXX/XXXX/2015. My case was dismissed due to not paying my installment fee by due date. My case was re-opened. During the time that my case was dismissed creditor I am complaining against sent me another attempt to collect debt from a completely different company ( since they were included in my list of creditors ). I went to bankruptcy clerk to amend my list of creditors to include this company although they were originally listed as ECMC. About two weeks later I received an attempt to garnish my wages from the same company but using an address different than the one I included in my amendment. I should not be receiving any attempts to collect as I am under an automatic stay and have also requested an extension to my stay due to my case being temporarily dismissed and re-opened. I have been disputing the validity of this debt for 10+ years and this debt keeps being resold to different creditor companies. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Navy Federal Credit Union Denied my access to my bill pay because it was link to Fraud Account that was close and they issue me new account Number and they did not link my new account with bill pay so they denied me access to account because of lack of them doing there job. Why would they hold the customer responsible for them not linking the account with right one. Continue Lack of unprofessional when hand product and services. Please investigate the Product and Services Navy Federal Credit Union offer to the members and ensure they are processing and according to United States Federal Regulation. Your service account has been suspended because we were unable to withdraw funds from your payment account. You will receive an email or letter in the U.S. mail about the returned payments. For info on reactivating your account, call XXXX. 
Because your account is suspended, you are currently unable to use all of Navy Federal 's Bill Pay Service 's features. To cancel a pending payment or to print a list of your e-bills and payments, go to Bill History. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: It 's an automatic recording from Macy 's to get a credit card. When you call XXXX you get Macy 's phone tree routing system which continues to ask for your account number for which I have none. When I finally got to a human being she had no clue why I called. She was there for receiving accounts open payments. This took over an hour to get to her. So there is no where to call to have them stop. It 's getting to be twice a day. Last week I relisted with the " Do not call list '' for both phones. 

Company response: Company chooses not to provide a public response
Consumer complaint: Trans Union is not responding to my request to investigate, verify and remove accounts from my credit report that do not belong to me per The Fair Credit Reporting Act. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On the Experian web side it said u can check your credit score for $ XXXX for one week free try they charge me {$21.00} and subscribe me before the end of the free try I called on three way call with my bank to have a refund they refuse, and I asked to cancelled the subscription 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: hi, the i am unable to obtain my my credit report. i applied for XXXX credit card, they ( XXXX ) inform me that my credit file is " frozen '' so i contacted the one of credit reporting agency trans union they said its nothing wrong with my credit and its not frozen i do n't know who to believe.i also opened up checking account with XXXX XXXX XXXX and latter they freeze my account, because ( according to XXXX XXXX ) a different name was showing up under my Social Security, So i had to go to the XXXX branch to identified my self. I need to know whats going on my credit, why different name is showing on my Social security and why i am unable to obtain my credit report and why my credit file is frozen, Please investigate these allegation and have credit agency make necessary corrections Thanks XXXX, XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Hi, I have a home loan with Bank of America and my mortgage was about XXXX monthly. 
For some reason my taxes went up where I was included to a different percentage rate once I was classified as investor and not owner living in the property. 
So I got in touch with the county and they fixed and I sent to the bank all paper work, but when I called the bank they did not corrected my mortgage payment once my escrow was showing I own the bank almost {$2500.00} and my mortgage jumped to $ XXXX monthly. I told them I could not afford to pay that amount and it was adjusted to {$1500.00} which for my budget still high. 
I know the county still have to send me or to the bank a refund but I have no idea how long that will take. 
I guess the fight should be done between bank of America and the county, I do n't see a reason to pay for someone 's mistake. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Please see Consumer Financial Protection Bureau complaint # XXXX XXXX Bank and the letter I received XXXX XXXX, XXXX dated XXXX XXXX, XXXX that list Transunion Consumer Relations XXXX. Transunion, XXXX XXXX XXXX XXXX, PA XXXX XXXX I am unable to reach Transunion list in the letter received from XXXX XXXX 's which is in retaliation to a XXXX Bank credit card. I paid XXXX 's off early before a promotional deal and paid for a 5 year extended warranty. When I ask XXXX 's for documentation for the extended warranty still effective - - I was told the receipt was proof of payment for the extended warranty and the XXXX 's XXXX care can be checked for verification. I only authorized XXXX 's to do a credit check when I obtained the card at the XXXX XXXX XXXX XXXX XXXX, Ca. Town center not in retaliation years later. Again, I can not reach anyone at Transunion which is listed as a sourced involved in the XXXX Relation/XXXX 's Matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: We help our daughter and her family financially because she has a XXXX and her husband is unemployed. We live XXXX miles from her and we bank at XXXX different banks. For some time I had been getting cash from my bank and depositing into a local branch of her bank. In XXXX that came to an end when her bank told me that they could only accept {$500.00} cash. The rest would have to be in the form of a cashier 's check and it would be available in my daughter 's account after XXXX the day of deposit. This seemed to work. Then in XXXX unbeknownst to me and my daughter a deposited cashier 's check was held for several days resulting in her rent check bouncing and overdraft fees being instituted. I inquired at the local branch of her bank where the check was deposited. They had not put a hold on the funds. They said that her branch must have. They explained that individual branches can decide to put a hold. I was never told this before. They also said that any cashier 's check over {$5000.00} could be held. I had never been told this before. They said a branch can hold funds if the account has any history of overdrafts. This seems like a self-fulfilling prophecy. When XXXX families are doing everything they can to keep funds in our daughter 's account it seems like the bank is mugging us when they put a hold on funds in the form of a cashier 's check from a reputable bank. They are also capitalizing on this situation by assessing overdraft fees. This is completely unfair. It serves to further destroy morale of people who are already struggling to stay alive in this economy. Respectfully. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been paying a debt collector since XX/XX/2014 {$50.00} a month for a {$1200.00} medical bill. It is been two years and I still owe them that much. After talking with them about it they have been charging me 12 % in interest per year. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX, XXXX TransUnion Consumer Solutions XXXX XXXX, PA XXXX equest for Investigation XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Ca XXXX SSN : XXXX To Whom It May Concern : I am writing regarding a serious problem with my credit report. You are currently reporting the following items that I request that you remove from my credit report : 1. XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX The information that you are supplying to my potential creditors is simply in error and inaccurate. Please kindly conduct your re-investigation of these inaccurate items pursuant to your obligations under 15 USC 1681i. I expect that your re-investigation and correction of these inaccurate items will be concluded during the 30 day time period allowed by law. 

Thank you XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: There are names on my credit that I never used or would go under my name is XXXX XXXX XXXX. 
Not XXXX XXXX XXXX XXXX XXXX something like that XXXX XXXX XXXX XXXX This is hurting me because there are things under the names that are not mine 

Company response: Company chooses not to provide a public response
Consumer complaint: I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 
This item " Payment Status Late 30 Days '' reported by " XXXX XXXX XXXX XXXX XXXX '' is inaccurate because the due date for the {$68.00} past due was XXXX XXXX XXXX as you can see on my statement attached below. Payment was made on XXXX XXXX, XXXX as you can see on my statement attached below. The number of days between XXXX XXXX and XXXX XXXX ( 15 days ) is not 30 as inaccurately stated and reported by XXXX XXXX XXXX XXXX XXXX. 
The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the item be removed. 
Enclosed are copies of, statements and credit reporting details supporting my position. Please investigate this matter and delete the disputed item as soon as possible. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I log into my online Banking and another fraud Transaction was unauthorized by Navy Federal Credit Union for {$20.00} from the XXXX I never been there and I did authorized anything to be withdrawal from my account. 

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