AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXTo Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXXTransUnion, LLC XXXX. XXXX XXXX XXXX, XXXX XXXXI recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX : XXXX Date of Inquiry : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XXXXCompany Information : XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX, XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX : XXXX date of Inquiry : XX/XX/XXXXPlease remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: This is my XXXX complaint for BSI Financial. Per my previous complaint BSI stated my hazard insurance was n't supposed to be in escrow. They corrected that with my previous complaint, and now my hazard insurance and taxes are now in escrow. They are now charging me a monthly escrow amount of {$120.00} for my tax and insurance which is understandable, however they are also charging me a additional monthly shortage of {$190.00}. When I called into BSI Financial I was advised by XXXX XXXX that it is a " cushion ''. I would like to know why I am being charged an additional {$2300.00} as a " cushion '' for my taxes and and hazard insurance when my and taxes and hazard insurance only total {$1500.00} for the year. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: XXXXMy name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ( XXXX ) XXXX cellOn or about XX/XX/XXXX my XXXX company transferred funds into my bank account at U S Bank. But my bank decided yo hold my funds, close my account and they are refusing to release my funds. I have spoken with the following bank representatives several times to secure my funds. But they insist that they have the right to put me on Chex XXXX, hold my funds, and are refusing to let me draw out my money! This has caused my mortgage to bounce because I need my money! 



I am on XXXX. I have XXXX XXXX and a XXXX XXXX. It is hard for me to walk! Please help me to recover my funds which the bank is holding unnecessarily long! It has been almost 30 days! 



The Bank representatives who are holding my funds : XXXX XXXX XXXX Brach Manager U S Bank XXXX. XXXX XXXXBoth have this telno XXXXThank you for any help you can give me! 



I need to be taken off of XXXX ( I do n't owe the bank anything not even fees ) I need my funds released immediately! 

Please help me! 

How do I get removed from XXXX? I do n't owe my bank anything! 




XXXX XXXX Check hold XXXX XXXX XXXX Dept XXXX U S Bank 

Company response: Company chooses not to provide a public response
Consumer complaint: Procollect continues to harass me and defame my name by reporting a negative account that does not belong to me. I disputed this erroneous account and asked for them to send me some validation because I know this does not belong to me. They sent a paper with XXXX different names on it, neither belonging to me. This is a phantom account that they have bought and are now trying to place on me. I will not pay something I do not owe and I am exercising my rights by asking for a proper investigation. Their time is up and this erroneous file needs to be deleted and they need to be held accountable for breaking the law! 

Company response: Company chooses not to provide a public response
Consumer complaint: I got financed by DUVERA finance also known as easy pay for XXXX dollars so I could buy my kids a puppy. The pet store clerk was misleading about the interest rate and when i advised i was XXXX military he assured me that would be handled appropriately. ( i should have verified before i signed the contract ) I am now paying 189 % interest on my loan. When I called duvera they were rude and said that they do not have to lower my interest rate at all and they based it all on a loop hole. The woman i spoke to said SCRA didnt apply in my case and went on about a bunch of different contracts. She even laughed and said to go ahead and speak to my legal office because they dont care im XXXX and they know the law. I paid XXXX on my loan and only XXXX has actually gone to pay off my dog. They threw a bunch of legal jargon at me that I did n't understand which was probably to confuse me and it did. I called to see what it would cost to pay off the loan next month and they gave me a balance of XXXX dollars. I am so upset with this company. I am a single mom of XXXX who is XXXX and I feel like I have been scammed and taken advantage of. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was tricked into an online learning college scam and ive become aware of it a few months to this day. I was pursuing a dream of becoming a XXXX, but unfortunately I was not lucky at the moment I enrolled in an online institution because there was no XXXX degrees being offered at the time XXXX of Puerto Rico. So I decided to entrolled at XXXX XXXX ONLINE to start pursuing a career XXXX. I asked for several loans to pay for the courses I was enrolled in and transactions were made between the education institution and the financial lender XXXX XXXX to cover the expenses of the degree, which were pretty expensive. XXXX XXXX XXXX was charging me {$300.00} per credit and the concentration courses were even XXXX credits, each course lasted 9 weeks and I only lasted 2 years before finding out that a college in Puerto Rico, XXXX College, was offering the same degree, and I didnt had to pay a cent for the same education and even a better one. I was told that not even XXXX charges {$300.00} per credit. Now I have my degree but there is still no jobs XXXX, neither I have being able to start my own business due to the poverty level im under. I survive by doing a job here and there, by donations my parents give me and by welfare I got at the moment of enrolling in XXXX COLLEGE due to the benefits a student renter has for having such low income. 

I understand that there is a debt forgiveness XXXX practiced in the economic world. Similar to XXXX XXXX XXXX where every seven years debt must be forgiven. There had pass 8 years almost and yet, my debt has not been forgiven. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX hard hits on my credit report that I 'm not making 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a revolving credit card with Citibank. I have had an account there since XX/XX/XXXX. The maximum limit on that account is XXXX. The current balance is {$12000.00}. I used it to travel with a year ago and I have been paying it off monthly. I am not using it until I pay off the balance and I have not missed a payment, in fact I usually pay more than the minimum required payment. As of XX/XX/XXXX I received notice that my interest rate had been increased from 18 % to a punitive 29 %. I have never had a late payment and there is no reason for them to jack up the interest rate to a punitive level. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a member of Regions bank 20 plus years. I have spoken well of this bank and encouraged others to join. On XXXX XXXX 2015, my checking account was debited for XXXX. Again on XXXX XXXX XXXX. My father 's name is on my account, because his checking account was 30 days overdrawn, Regions assumed I wanted to be responsible for his debit. Regions did not RESPECT me enough, to notify me in a timely manner, the decision they were making on my behalf. I have over draft protection. Payment was needed to pay on the balance. Regions notified my father through mail. My father contact me. Payment was made, and I continue to make payments on MY debit. Regions SHOULD have shown me the same respect, when it came to my father 's account!!! Regions refuse to refund the total amount citing policy. " When someone has an account with another person, and their account is in collections, we reserve the right to get the funds. '' This is an UnFAIR policy. Making one adult be responsible for another adult 's bad money management. I feel this policy needs to be changed. I am owed RESPECT for being a loyal customer. If this is how Regions treat their loyal customers, I feel it is time to part ways. Word of mouth goes a long way!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: Predatory lending - would like someone to look into a loan on a car note, which was at 20+ % rate. Tried to get a copy from the dealer, but the dealer closed. Contacted the credit lending company, but the case was referred to collections and a judgment was placed on my account. To this date, that bad debt is affecting my employment opportunities in the Federal sector. 

Company response: Company chooses not to provide a public response
Consumer complaint: COMMONWEALTH FINANCIAL SYSTEMSXXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX | Fax : ( XXXX ) XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify COMMONWEALTH FINANCIALSYSTEMS ACC # XXXX, XXXX, XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : COMMONWEALTH FINANCIALSYSTEMS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: CFBPI have XXXX Bank of America Credit cards linked to my checking account. 
In XX/XX/XXXX Bank of America ( I will use BofA as abbreviation ) sent me aLetter stating that I filed for Bankruptcy and they closed my accounts. I never filed BK and had no intention to file. I called them and disputed this and Bof A reopened my accounts around XX/XX/XXXX. 
XX/XX/XXXX BofA started auto dialing and text messaging me. I sent them a letter to stop doing this as it makes me have charges. They continued anyways. 
I also filed a privacy request with BofA to not share my information. BofA shared my personal credit information with their affiliates anyways. 
BofA has run my credit report XXXX times since XX/XX/XXXX a couple were on the same day. I did not give Bank of America any authorization to make credit requests on my behalf. 
Around XX/XX/XXXX Bof A closed my accounts again. I called them and disputed the closing of my accounts and they reopened. They did not tell me they were running my credit as new inquiries. 
On XXXX BofA started making calls to me from blocked numbers. They use outsourced people from XXXX and the XXXX and when I got these incoming calls the persons were aggressive asking for my social, DOB, driver 's license etc. which seemed like a scam. I now know these calls were from Bof A and this person went to great efforts to harm me. 
I contacted BofA again on XX/XX/XXXX about XXXX letters they mailed to me stating they " were denying my request '' I made no request of BofA. After several calls BofA now states they will take the hard credit inquiries off my credit profile which were unauthorized as they know I did not ask for new credit. 
BofA harms my credit score with all these inquiries, reporting me as closed accounts by the bank, and erroneous reports of 30 days late. 
I want to make a formal complaint about BofA 's unfair business practices and failure to follow privacy laws, fair credit laws, they lie and cause hardship to consumers and customers 

Company response: Company chooses not to provide a public response
Consumer complaint: I did not authorized this hard inquiry
Company response: Company chooses not to provide a public response
Consumer complaint: I fell behind on my payments due to a job loss. I notified Wells Fargo when I got a delinquency notice and the next month, XXXX 2015, they put my in foreclosure and returned 2.5 months of payments and stated I was now 5 months behind. I immediately called and Wells Fargo assigned a rep. he had me file a loan modification application which was denied in 2 days. Even though I now make more than I did when I applied for the loan. We were then offered and took the option to repay the loan if I could give them 3 months immediately. Which I did as soon as the bank opened the next day. I was told that I needed to make sure that I did not become 3 months delinquent. I made another full pmnt in XXXX. I went to pay XXXX payment and they put me back into foreclosure and returned XXXX pmnts I had made. Now they have me 7 months behind. I told them I now have XXXX payments that I can give them and they refused it. They admitted the error was on their part but are refusing to honor their agreement made in XXXX. Now they are charging me attorney fees as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a loan modification from Ditech Financial. They keep putting me through the ringer. They continue to ask me to send them the same paperwork over and over again. Now they are asking me to send them XXXX before they can give me a loan modification. Now DITECH is telling me that they are about to report a late payment for this month while I am in the process of the loan modification with them. I have tracking of the documentations that I sent to them. My account is XXXX ACCOUNT. I requested a copy of the recording of the sale and original contract. They never sent it because it does not exist. Ditech does not have a Bond to collect in the STATE XXXX FROM THE ADDRESS THEY ARE LOCATED XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX, 2012 our home was short sold. Citibank was included in the settlement. I have the final hud statement proving that. For every month after that they have marked the account as a 30 day late for the past 2 years. We have filed a dispute with the credit agencies, we have called Citi directly, they do not have a department we can call and they do n't have anyone we can email for fax. We were required to mail in copies of our hud and a letter and were told eventually someone will get in touch with us. We do n't have a reference number or any way to follow up. This has been going on for 5 months. This has prevented us from purchasing a home and has drastically affected our credit. The false information is preventing us from being able to proceed with our lives! The agent on the phone stated we are not the only people this is happening to. How many people are they running in circles?? 

Company response: Company chooses not to provide a public response
Consumer complaint: i was told in 2011 by a XXXX Rep that i was not under a Contract with them anymore, so she set up to send me Boxes to put Their Equipment in & they set up a XXXX Installer to come by my Home & pick the Equipment up, he did & put it into their System to prove it. Now here 's where it takes a Twist, XXXX waited 4 years to send me a Bill stating I owed them an Early Cancellation Fee & 2 Months of Service, so while i was on XXXX during this time, I was being Charged for XXXX that i was Told i was Paid up in Full on my Account & i was n't under a Contract. This is Unreal! I called the ERC ( Enhanced Recovery Company , LLC ) & argued this Fact that i was Told totally Different Information then they were Stating, she then said that it Did n't Matter ' I HAD TO PAY or it would Stay Pending on my Credit Report, so I payed the Bill or actually a Settlement of {$270.00} & she said she was going to Contact The Credit Bureau or whomever to have it Deleted from my Credit Report, she said call back in! 0 days. It better be gone quick because that knocked a Hole in my Credit & i was n't even aware of any of this till 4 days ago when i went to my Mailbox & opened this Statement ( Which i will say i do not owe until I 'm pushing up Dirt ), My point being is, How can a Rep tell me I 'm all Good, Send me Boxes for Equipment to be Picked up & then 4 years Later they say i was n't out of the Contract & i was Charged an Early Cancellation Fee ( But They sent me Boxes in 2011 to Pick up Equipment & i did n't owe them XXXX XXXX ) but i was charged for 2 months of Service when the Equipment was in their Warehouse & the XXXX for XXXX was Removed from my House & i was Watching XXXX XXXX, they are Liars, plain & simple. I did n't know what to do so I just Payed the Thief 's!!!!! I have the Confirmation #, showing i Settled with them, but it 's STILL HANGING UP on my Credit & XXXX XXXX are rough, XXXX are really nice, this is just making me look Stupid. If it is n't DELETED as promised from my Credit I might Snap! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Sent the attached letter to the credit company at the same time filed with CFPB. This credit report is a joke. Its 90 percent wrong and I paid {$39.00} for it. See attachment 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo is sending unsolicited XXXX '' - checks that draw from your credit card. In my opinion these are extremely confusing to customers to send out, and now disposing of these correctly has become my problem. 

Each check includes at least XXXX digits of my credit card number, and recovery of any check would be enough to deposit it electronically on my credit line. 

Company response: Company chooses not to provide a public response
Consumer complaint: UMB Bank is the banking institution that administers my XXXX Savings account. I have been getting charged for monthly fees that I was not aware of and the money in my XXXX account has dwindled down going to the bank. UMB representative said i could have avoid the fees by optioning for the paperless statement. UMB has it mention on the statement but never put a website or link on the statements. The statements does n't the UMB address and the phone number is very inconspicuous. The statement is very nebulous. The account is setup to not give you any detail information and to drain your account with frivolous fees. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: No filed CFPB and letter to credit reporting company at the same time. copy of credit report with marked and highlighted incorrect data on 90 percent of report sent to credit report company. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently viewed my credit report from XXXX and found the collection account it. They did n't send me any notice neither a debt validation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Thank you for this opportunity. I have been banking with Wells Fargo for several years and have several accounts. The account in dispute is my business banking account. Over the course of one year I have been charged in excess of {$1700.00} in overdraft fees. It is so confusing the way the charges appear in pending status and then are re-ordered once posted. Most times, they do this by paying the highest charge first. For a couple of years my debit card would decline and not allow for over charging my account. Then suddenly, charges would drop off and/or was allowed to over charge my account. The confusion and financial hardship that I have endured has been so exhausting to no avail or cooperation from the bank other than a few reversal here and there. I have cancelled my debit card and only use atm card for my accounts. I now transfer money to an easypay debit card to use for purchases and bills. After filing a complaint with branch manager, XXXX XXXX and not hearing from her for weeks, I finally reach a business banker named XXXX who stated today they would not reverse anything for me. XXXX I do not need this in my life and would like to switch to a different bank BUT I am stuck as I have a merchant service account too and it will cost me for early termination. I appreciate your assistance and thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I first received a call from XXXX XXXX with Summit receivables phone number XXXX on XXXX on my employer 's phone at work. I asked that they do not contact me at work any further. She called me later that night on my cell phone and stated in her message that she had verification of employment and verification of income for a matter on XXXX XXXX, XXXX XXXX of residence, and made it seem as if legal action was being taken. On XXXX, I received a call on my cell phone with a message now stating that she will move forward with her audit to get verification of employment and income. On XXXX, my employer received a fax from summit receivables requesting my personal information to include my salary and other terms of my employment, which my employer did not fill out or return to them. On XXXX, my employer once again received a call from them asking to speak with me but I was unavailable at the time. I have yet to receive a verification of this debt from summit receivables as well. 

Company response: Company chooses not to provide a public response