AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have an account from XXXX Account number ending in XXXX in which they had issued me a XXXX ( see attached file ) and cancelled the debt. I am requesting to have the account removed from my Credit History and all Credit Reports or identified a s resolved and closed account so as not to adversely affect my Credit Score. 
I can be reach via e-mail at XXXXXXXXXXXX or called at XXXXBest regardsXXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I just called and spoke to a representative by the name of XXXX, ID # XXXX, and she confirmed that the document, which is my XXXX XXXX Bank statement, her department actually received it on XXXX XXXX, 2015. She did not understand how a supervisor or her other fellow employees that I 've spoke to over the past could not locate it. She was nice to clear all of the security issues. At that time, she informed me that her company, Barclay Bank were going to approve me for a {$2500.00} credit card. I explained to XXXX that I was originally approved for a {$4000.00} credit card. This is when she transferred me over to the credit card customer service department and I spoke to a rep by the name of XXXX. XXXX informed me that he could not issue me a credit card at this time because he felt like I had not enough credit when in actuality, I have over 6 years worth of credit showing on my credit report. 
It was just very frustrating to wait for almost 4 months for XXXX Bank 's security department to locate all of my personal information only to be transferred to this rep in the credit card department for him to tell me that I do n't qualify for any of their many credit cards. 
Why would the same credit card department originally approve me for a {$4000.00} credit card back in XXXX on to have told me on XXXX XXXX that I do n't qualify. 
I called the President 's office of Barclay Bank right now and tried to speak to XXXX, but he was on vacation and would n't be returning back to work not until Monday so the rep I was speaking to transferred me to the manager of the credit card department. 
XXXX, which is the manager in the credit department is re-reviewing my application again and she is claiming because I do n't have enough credit history. She informed me that her departments does not just look at the credit score, or the fact that I 've never been late on any of my student loans, or car note, or anything like that ; that was still not good enough for me to obtain a credit card through their company. 
I 've never heard of any bank state that they do n't go off of credit scores to determine eligibility for a credit card. 
I wanted to cancel my application on many occasions but I was told that I could not cancel because I was approved. I was told this by supervisors in the security department as well as reps in he security department. 
I really just do n't understand why I was sent through that long process only to be told that I did not get approved. 
This should have been told to me at the beginning. I would not have been wasting my time or theres! 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I sent a letter of verification to SKO Brenner American requesting verification of several accounts being reported as negative on my credit profiles. Received the return certified receipt stating letter was signed for on XX/XX/2015. On XXXX XXXX, 2015 received a letter form SKO Brenner American representative by the name of XXXX XXXX stating The they have notified the credit bureaus to delete these accounts from my records. Today is XXXX XXXX, 2015 and the negative accounts are still showing on my credit profiles. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, XX/XX/2015 I sent 300.00 to the incorrect credit card company Southwest Credit Card through money gram. I already faxed the company a letter stating I did n't have an account with them and I was wanting my money refunded so I can properly pay my debt that I owe to another company. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo send me a letter, the reason I could not refinance my loan supposedly not enough assets. I do have enough money into my account to pay for settlement. I have try to reach out to XXXX XXXX XXXX XXXX what other options I have for refinancing my loan, no returned calls have been made. I have XXXX skip payment for this month, and the money that is in the bank is for settlement cost if they decide to settle with me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Information on there that should n't be over 7 years old disputed things never taken off with proven paperwork car shopping inquiries with in a XXXX week period being charged as high inquiries never new some shopping at just XXXX car dealer if I do n't like the deal at financing I do n't have to agree it 's not fair car dealer sends XXXX or XXXX banks and I get points lowered because car dealer slung my deal to XXXX banks guess I 'm to have cash for every thing 

Company response: Company chooses not to provide a public response
Consumer complaint: This collection agency placed an account on my credit report that is not mine, they never sent me any information stating that they are placing this on my credit report. I sent them a letter asking them to validate the obligation and they ignored it. They are in violation of section 809B of the Fair Debt Collection Practices Act and section 392.101 of the Texas Finance Code. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Last XXXX, Paypal placed a limitation on my account and blocked me from accessing my balance citing that they have up to XXXX days to do so. XXXX days have passed but they still blocked my access to my money. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I XXXX XXXX primary residence at XXXX XXXX XXXX XXXX XXXX, Illinois XXXX have lived her for 47 years. I inherited my property from my mom. The house went in your name in XXXX and had modification done in XXXX or XXXX. My mortgage payment including taxes and insurance was {$1200.00}. I was attacked by a XXXX student were I was working as a XXXX for XXXX XXXX XXXX. I had to go out on long term XXXX because of the attack and being diagnosed with XXXX, You notified my mortgage company for the loss of income. In XXXX I was diagnosed with XXXX. In XXXX taxes were due and the mortgage company fail to pay my real estate taxes and insurance. My taxes went up for sale and was purchased for {$10000.00} and the tax buyer now wants me to pay {$90000.00} for my home that is acquiring possession on XXXX XXXX. The mortgage company said they did not get any notice. However, my mortgage company had a responsibility to pay my taxes and fail to do so. I have a court date tomorrow and the mortgage company to be present to defend themselves of no notice to pay the outstanding taxes back to the tax buyer of {$10000.00} to avoid me loosing my home and paying {$90000.00} to buy my home back. 
I am trying to get a mortgage to purchase my home but need time. However, I could apply for another modification and avoid credit issue and start back paying my mortgage again now that I am now gainfully employed again and have been for a year now as a XXXX for a XXXX XXXX. I feel I am a target of mortgage fraud of loosing my home and have not being treated fairly. I have tried to work with the mortgage company and have not got any assistance. I got a letter from for tax buyer representing their title Mortgage Broker and Auctioneer. The company name is XXXX XXXX XXXX. Its very strange to me the lender did not pay my taxes when they was suppose to have paid them from my escrow account regardless of me being behind in my mortgage payments and my mortgage is still of record and has not been released and the foreclosure was dropped. I was denied a new modification program to reduce my payments when I became ill. Please assist 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: USAA Closed account fraud activity on credit card XXXX + said they did n't want to do business any more card was used for withdraw transactions deposits were made a By a XXXX XXXX from a phone number XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My ATM card was cancelled because a merchant I bought something from had their computer financial system compromised. US Bank would not tell me which merchant it was. That ATM was connected to auto-bill payments. I went to the bank branch and called the Bank on the phone repeatedly and asked which billers were connected to the ATM card and was told none were. Then I got a notice from XXXX XXXX that the payment authorization was declined. I called US Bank again and then finally got someone from online banking who gave me a list of companies with automatic reoccurring bill payments that were connected to the old card. Why did n't US Bank give me this information the first time I asked for it so I could take care of this problem and avoid getting late fees and possibly have my credit compromised? Why does n't US Bank have a system to transfer reoccurring payments from XXXX ATM card to the next when the old card gets compromised? Why do n't they tell us who is the merchant who is not protecting our financial information so that we can avoid using them again? 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, I attempted to open an account with a credit union. Apparently they use Chex Systems , Inc. for a check before allowing you to open an account. Chex Systems responds with " Driver license is not on state file '' so I was declined. This has never happened to me before. I asked them to run it again, same thing. I contacted the local Division of Motor Vehicles in XXXX XXXX, MO who indicated my driver 's license is on file and the driver 's license number is correct. I then contacted the Missouri Department of Revenue in XXXX XXXX, MO who also confirmed my driver 's license is on file and the driver 's license number is correct. I 've sent a letter explaingin all this to Chex Systems , Inc via fax to their complaint department and consumer relations department XXXX XXXX, 2015 and have heard nothing back. This is a time sensitive matter for reasons I wo n't discuss here and have spent several hours trying to figure out how to get this inaccurate information taken care of quickly, so it has me extremely frustrated. 

Company response: Company chooses not to provide a public response
Consumer complaint: For seven years Bank of America and for two years XXXX XXXX XXXX XXXX has been attempting to do predator refinancing with me. They do this by, refusing to give me twenty year fixed rate VA loan, by trying to charge excessive interest rates on conventional loans, and attempting to getting premium spread interest on 30 year conventional loans. They have also, denied me a remodification of my loan through Harp XXXX times during this period of time. When I try to refinance with another Bank or Mortgage entity. They will not sign the settlement. This is predatory lending, Race and Age Discrimination. 

Company response: Company chooses not to provide a public response
Consumer complaint: Last XXXX, Paypal placed a limitation on my account and blocked my access to my balance. They said that they can hold my balance up to 180 days. Now 180 days have passed, they still hold my money and refuse to return to me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: They wrongfully tried serving me fake papers in efforts to get me to pay a debt, which I " owe '' but since the XXXX that wants money did damage to XXXX my teeth and refused to admit his assistant did any damage and refused to lower the bill. In my mind I do not owe that man any money. 
So after that the " debt '' went to a collector, Como Law Firm. XXXX of the most horrible people I have ever talked to. They told me I need to send money to a XXXX XXXX XXXX and got mad when I said I was not sending any sort of money to some random XXXX XXXX XXXX When I asked for an address they claimed they did not give out their personal address for their company. I had lost my job soon after and shortly after that I became pregnant. My XXXX and for a majority part of it I could n't work due to being XXXX. I calmly called this law firm to explain the situation and if they could just wait a few more months till I am back at work. They proceeded to call me an immature child who ca n't pay my bills, then they said if you do n't make a payment within the week we will just sue you. 

They never tried working out an agreement and just went directly to harassing me and saying they were going to sue. 

I had n't received any papers from them in the whole time my debt went to them. When I asked for a confirmation paper that my debt was actually with their company they told me that they do n't give those out either. 

I have never had a problem with the other debt agency I have an amount with. I work with them and we get my debt paid off in a timely manner. 

Como Law Firm should not be in business. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I am having issues applying for credit because of this fraud alert that is on my file. I have tried to log in to review my report to see what number is reporting to contact me and their website has changed the review report again link and it is not letting me view my report. I would just like to remove this fraud alert completely from my file. I have purchased a credit monitoring service and have guarded my report in this matter. Please remove the fraud alert from my file 

Company response: Company chooses not to provide a public response
Consumer complaint: I noticed a charge on my credit card that did not belong to me last XXXX 2014. I contacted Barclaycard to file a dispute. I was told they needed 30 days to investigate the charge. I received a letter 30 days later stating the charge was valid and that the merchant showed a receipt for this transaction. I contacted the merchant after receiving this receipt to question this order number. I found out that my credit card number was used on this order but was linked to someone else 's account and delivery address. I then contacted Barclaycard again and they started a new fraud investigation case and I was told to wait another 30 to 45 days and up to 120 days for an answer. I recently received another letter saying the charge was valid with the same attached receipt and was told that because I had done prior business with this merchant that this charge would never be considered as fraud. I was also told that I should never open a fraud case if I have done any business with a specific merchant before.If I wanted a refund that I would need to wait for the merchant to refund the money to Barclaycard prior for them to adjusting my account. As a XXXX XXXX I should be protected with XXXX XXXX Liability Protection and should not have to liable for the fraudulent charges that I did not make, nor should I have to constantly call and get transferred to different departments without getting any results. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX 2015, I had XXXX taken at the " XXXX XXXX of XXXX, XXXX. '' located in XXXX, XXXX On XXXX XXXX 2015, I received a bill for {$91.00} from the " XXXX XXXX XXXX XXXX XXXX XXXX '' agents for the XXXX XXXX XXXX XXXX XXXX On XXXX XXXX 2015, I paid the amount in full to the XXXX XXXX XXXX. 

Yesterday, XXXX XXXX 2015, I received a phone call from a man named XXXX, employee of " Peter Roberts & Associates, Inc. '' He used the number ( XXXX ) XXXX. He claimed that I still owed {$91.00} for the XXXX I had taken. He was able to supply me with my home address, birth day, and the last XXXX digits of my social security number in order to verify the veracity of his claims. I still did n't believe him. So I called the XXXX XXXX XXXX 's medical billing department at XXXX XXXX XXXX XXXX and they confirmed that I paid my bill in full and on time. Then I called the XXXX XXXX XXXX at XXXX and they also confirmed that I paid my bill in full and on time. XXXX companies told me that they had no affiliation whatsoever with the company called Peter Roberts & Associates , Inc XXXX 

My wife and I receive health insurance through XXXX XXXX XXXX, who was the victim of a XXXX on XXXX XXXX 2015. We suspect that Peter Roberts & Associates somehow received our identity information directly or indirectly through this attack. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I filed a complaint with USAA bank for an online debit card purchase. I felt like I was taken advantage of by XXXX, an online penny auction site. After providing all pertinent details and a copy of my bank statement verifying the disputed charges, I felt like none of that mattered and the dispute was ruled invalid because XXXX provided a copy of the charge authorization. My issue was not that I authorized the charge, but that the service promised for said charge was never delivered, i.e. " Service was not delivered as described. I have attached a copy of the Dispute Decision from USAA along with the Merchant Rebuttal and my emailed response to the Rebuttal. I do not feel like the human element was taken into consideration in this matter, and the decision was based on the authorization for the charge. I hope that, after reading the attached documents, you will see that I was taken advantage of by a company that I had moved on from. Had XXXX never contacted me after I concluded my business, i would not have this issue. Thank you for your time and consideration in this matter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX XXXX of 2015 I received a postcard from Amsher Collection stating I owed Century Link {$290.00}. There was no other information given. I requested by mail a validation of this debt from Amsher. I have not received a validation. I received my credit report on XX/XX/2015. XXXX has placed a negative entry on my credit report. The entry states the date when placed on the report XX/XX/2015 and a balance of. {$290.00}. I do not owe XXXX XXXX any money. I do not know any dates associated with this account as none were given just that I owed it which I dont. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I first received a type of advertisement from SpotLoan.com stating I was pre-approved for an {$800.00} loan, via the Postal Service, then received another one a few days later. I contacted SpotLoan online and began the process of filling out the application. I was then contacted by telephone by XXXX/Relationship Manager. She explained the process and asked how much of a loan I needed and I chose {$500.00}. I was then told the APR could reach as high as 390 %. The online application for a {$500.00} loan states the payment would be {$83.00} and that is what I believed it was to be. I went ahead with the loan and received their contract via email requesting an Electronic Signature which I initialed XXXX. I did so without reading through the email. I was told via telephone contact with XXXX/Relationship Manager that I would receive a Direct Deposit within 48 hours. She then asked about how I would like to make the payments, either by mail ( Check ) or by ACH, I said by mail preferably. That was the end of our conversation. I then began to read the contract and found that my payments were to be {$150.00} and further reading I found that when I initialed for my Electronic Signature it also stated my agreement to have payments made via ACH. I then called SpotLoan only to find out the XXXX/Relationship Manager was not there, I said that I was just speaking to her not more than 10 minutes ago and was told again she was n't there and he asked if he could help. I then explained about my agreement to make payments by mail yet the payments are now set up as ACH. The call taker then told me the computer will have all the information listed the following day and that I could call back then to get the payment issue straightened out. It was XXXX XXXX XXXX, 2015 when this loan processing took place and the re-contact by telephone. The call taker stated that SpotLoan would be open tomorrow, XXXX XXXX XXXX, 2015 and that I should call back then and speak to XXXX since she was the one that drew up the loan agreement. I waited until XXXX XXXX XXXX, 2015 and called SpotLoan only to find out XXXX was not in the office that day and it was suggested I call back XXXX XXXX XXXX, 2015. The loan had already processed and the {$500.00} loan was deposited to my account XXXX XXXX XXXX, 2015, at that point I really did n't know what to do. I also found that I my APR on this loan was 390 % and that the payments nearly doubled from what was listed online as {$83.00} to {$150.00}. I contacted numerous agencies here in Oregon and did n't get any helpful information until today when I received a call from the State of Oregon only to tell me, since SpotLoan is operated from a XXXX XXXX and since it is Sovereign, Oregon Loan Laws do not apply and that I should contact the FTC to file a complaint. Which I attempted earlier and the FTC suggested I file a complaint through the CFPB which I have just done. 
I thank you in advance for your thoughtful consideration regarding the most important matter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have an original certificate of deposit from XXXX XXXX and Loans. It was lost in my fathers safe for 30 years. The bank has since closed and the accounts are now being held by Wells Fargo. I went to my local Wells Fargo branch and received little help. I got the feeling that I was not acknowledged due to the potential pay out of a CD for {$6600.00} at 8.95 % after 30 years. Wells Fargo said that they researched it and could n't find anything on it. I told them it was not paid out as I still have the original certificate. I would like to be paid out for the certificate. The account number is XXXX XXXX and it was issued on XXXX. It is issued to XXXX XXXX in trust for XXXX XXXX. 

Company response: Company chooses not to provide a public response