AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Outsource reported debt on my son 's social security number when it was not his. His father has the same XXXX name and they reported his debt as my sons. Now they feel it is n't their problem to fix it. They made no effort to get the social security number before sending it to the reporting bureau. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have opened an Identity theft case with the Federal Trade Commission Case FTC - XXXX. I also have a police report ( XXXX Police department XXXX ). The police report contains all of the details of all the fraud, identity theft and harm that has been caused to me. I have been struggling to clear the damages with friction from Experian. I was guided by the Federal Trade Commission to open a new case with the CFPB to resolve this matter. 

I had written the Collection Agency XXXX XXXX for an allege debt for XXXX XXXX account XXXX ... USPS Tracking XXXX on XXXX XXXX, 2015 requesting validation for this allege account and received no response from the collection agency. 

I have brought the fraud and the lack of validation to Experian XXXX times, ( USPS Tracking XXXX received XXXX/XXXX/15 ), ( USPS Tracking XXXX received XXXX/XXXX/15 ) as well as ( XXXX XXXX received XX/XX/2015 ) on the fraud and lack of validation by the collection agency and requesting to delete this account from my credit file. 

Experian repetitively delay the process by doing an investigation and responded on report number XXXX with a simple response UPDATED and no additional information, After re-escalation, on XXXX XXXX, 2015 Experian responded on report number XXXX with " unless you send us additional relevant information to support your claim, we will not reinvestigation this information again ''. Fraud or lack of validation within the require 30 days should not be reported on my credit file. If a collection agency does not validate an allege debt within the 30 days time frame, the account needs to be deleted from the credit file, or if the account is caused base on fraud it should not be reported on my credit file. Failure to correct the reporting of this account is a direct violation of the FCRA. 




Attached : copy of the debt validation letterletters to experianExperian reporttracking informationFTC casePolice Case 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXTo Whom It May Concern : I am in receipt of your letter stating that the XXXX XXXX XXXX XXXX XXXX was updated and verify and the dispute of items in my credit report was " irrelevant and frivolous. '' I am upset that your credit reporting agency would try such a blatant stall tactic. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt. 

Enclosed is a copy of my original letter and credit report with the disputed items highlighted. Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission. 

If you have any questions, please contact me at the address listed below. 

Thank you. 

Sincerely, XXXX, XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an account XXXX in regards to predatory and collection practices of Green tree servicing. I now have XXXX mortgages with them my primary house and an inherited property. They are unreasonable unaccomadating menancing and treat you like a homeless XXXX person reprimanding me at every turn. It was stated by one of the representatives if you are a XXXX and you make this much money you have no excuse to fall behind on your mortgages! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I opened an account with XXXX XXXX XXXX shortly after my XXXX birthday in 2012. A check was given to me and was deposited into my checking account. Days later I realized that my account was overdrawn due to the check being returned. I immediately paid the fee and covered the deposit with my account. A week later I received a letter from XXXX XXXX XXXX informing me that my account was being closed due to fraud. I never committed an act of fraud. XXXX XXXX XXXX has reported me to credit and consumer bureaus for fraud. This has resulted in adverse harmfull action against me from the financial world. I CAN NOT open a account with any financial institution. I have tried to resolve the issue with XXXX XXXX XXXX for the past 3 years unsuccessfully. I attempted to resolve the issue with XXXX and XXXX systems directly but they report that XXXX XXXX XXXX is standing by the fraud claim with no evidence to substantiate the claim. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America ( BofA ) at XXXX XXXX XXXX XXXX XXXX NJ XXXX is refusing to cash my payroll check drawn on BofA. Do they have that right to refuse to cash a " Payroll '' check, if the account has enough money and I have ID? 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and his relatives ( people who use to live in my address ) received several calls from the following number : XXXX. A woman on the phone, did not identify herself said that police officers are on their way to my job to arrest me. She made several phone calls to my son, my husband 's children. She said the call is for Zales jewelers from account in 1997. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an account with Citibank and they no longer have branches in Texas. However I am not qualified for mobile banking deposits. I was told they make exceptions but they are refusing to make an exception. The only option I have is to mail a check in with a two week turn around or to overnight the check which costs quite a bit. I find this unacceptable. I have talked to many supervisors. This does not seem fair. 

Company response: Company chooses not to provide a public response
Consumer complaint: US Bank assessed a monthly fee that amounts to more than 10 % of the account value, for having an account that I use for savings and have had dormant. I find this to be unreasonable and am filing a complaint seeking reimbursement of the fees assessed for XXXX 2015 and XXXX 2015. 

I just made a deposit of {$50.00} and already {$10.00} have been taken out in fees. This is ridiculous and it is unfathomable that a bank that used TARP funds would resort to such petty tactics in order to make a profit. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened an account with Bank of America shortly after my XXXX birthday in 2012. A check was given to me and was deposited into my checking account. Days later I realized that my account was overdrawn due to the check being returned. I immediately paid the fee and covered the deposit with my account. A week later I received a letter from bank of America informing me that my account was being closed due to fraud. I never committed an act of fraud. Bank of America has reported me to credit and consumer bureaus for fraud. This has resulted in adverse harmful action against me from the financial world. I CAN NOT open a account with any financial institution. I have tried to resolve the issue with bank of America for the past XXXX years unsuccessfully. I attempted to resolve the issue with XXXX and XXXX directly but they report that Bank of America is standing by the fraud claim with no evidence to substantiate the claim. 

Company response: Company chooses not to provide a public response
Consumer complaint: My debit card was stolen last week. Some made XXXX XXXX dollar withdraws from ATM. I do n't know times B of A would n't release that nor phone numbers. I called in several times had to call back and wait on hold for long times. Also the rep did n't report the XXXX as fraud they just left it. The XXXX case took 3 days and the XXXX case was 1 day. nothing has been done about it. I report BANK OF AMERICA TO XXXX. A lady contact me and left voicemail she be looking in to it and some how its already closed. This whole case seems fishy. bank of america states you 're not reasonable for basic transitions or ATM withdraws you did n't make. I DID N'T MAKE NO WITHDRAWS. ALSO THIS COMPANY DOES N'T CHECK ID WHEN WITH DRAW {$10000.00} OR XXXX OR {$500.00} AT THE TELLER LIKE OTHER BANKS DO. BIG RISK FOR PEOPLE TO STEAL MONEY FROM PEOPLES ACCTS. 

Company response: Company chooses not to provide a public response
Consumer complaint: A client of mine had his company bank account compromised. As a result, one of the checks written on the account was my monthly check in the amount of {$3000.00}. Once he found out his banking account had been compromised, he immediately contact me and I immediately contacted PenFed. I told PenFed what had happened and immediately wired {$3000.00} from another account to cover any and all transactions. My account was never, ever overdrawn and I was told by PenFed that the original check for {$3000.00} was NOT going to be re-deposited because, according the PenFed representative, " our system is incredible sensitive and the check will be returned. " That ended up not being the case, the check was redeposited and of course, declined from my clients financial institution. Again, my account was never overdrawn. 

As a result of this, and of no error whatsoever on my part, PenFed, irresponsibility has blocked my access to all my accounts. 

Despite five separate attempts to have this irresponsible block removed, it remains. That is, because of something that was completely the fault of another party, and had literally nothing to do with me, I do not have access to my money. I have never overdrawn an account and I consider myself a financially conscious individual. 

How is it possible for an institution to completely block a responsible customer from their banking accounts? 

Unfortunately, PenFed only can say that 'my case ' is on a supervisors desk for review. 

Any assistance you can provide would be most helpful. 

XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: CITIBank credit card company allows OTHER people to add ANYONE they want to their credit card. My boyfriend ( not married ) added me to his credit card ( he did n't know it would affect my credit ) and now his balance and credit is being reflected on MY credit report without any knowledge or consent on my part. 

All he needed was my NAME. This is absolutely absurd that I did n't have to give consent to become an authorize user. Please fix this policy and prevent CITIbank from being so deceptive. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/15, I signed up for a 7-day trial period for Experian 's Credit Tracker. On that same day, I was able to see my FICO score. However, I was not able to print my credit report. Three days later, I once again attempted to print my credit report, but was unable to do so. At this point, I contacted Experian 's customer service department - I spent over XXXX minutes on the telephone with the analyst, and was still unable to print out my credit report. The analyst told me that they had not seen this issue previously, and submitted a ticket to investigate the problem. She provided me with a confirmation # XXXX for this issue, and told me to wait two or three days and then attempt to print out my report. On the evening of XXXX XXXX, I tried once again to print out my report, but was not able to do so. The problem had not been resolved. Then on XXXX XXXX, I sent an email to Experian requesting that they cancel my membership due to the fact that I was not able to access the printable credit report. However, on XXXX XXXX, Experian charged me {$21.00} for the XXXX month of service - when I called Experian that same day, they refused to reverse this {$21.00} charge, even though I told them that I was not able to access the printable credit report. I told them they, in my opinion, they were committing fraud by charging me for a service which I was not able to fully access. Nevertheless, they refused to reverse the {$21.00} charge. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX and check my credit report monthly. I saw that I had an item sent to collections for a XXXX account that was opened on XXXX XXXX, 2015 it has been sent to collections in the amount of {$500.00}. I have a current XXXX phone account that I have had for over 10 years so there is no reason why this should be on my account. I contacted XXXX and they said my account is up to date. I suspect this could be identity theft and someone else has opened up an account using my information and I want to dispute this item on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I Went to open my account. The Teller add a persons in to my account as a join account I have been Fraud.The money missing from my account The account closed by others. Now what? RE : FTC Ref. No.XXXX wish to continue thanks 

Company response: Company chooses not to provide a public response
Consumer complaint: This is what the bank is doing to me:XXXX dollar lawsuit. The suit was filed in U.S. federal court in XXXX, Texas a small community just XXXX miles north of the XXXX XXXX XXXX, about a XXXX XXXX XXXX XXXX XXXX XXXX.The lawsuit alleges that BofA mortgage holders have suffered hoursof telephone run around, misleading and inconsistent information, lost correspondence, verbal abuse, and extensive delays in efforts to get home mortgages modified. " The facts in this case reveal the harsh reality that underlies the loan servicer 's press statements about loan modifications and forbearance agreements following the collapse of the U.S. housing market, '' the suit states. " This is not an isolated case, '' said Attorney XXXX XXXX XXXX, who represents the plaintiffs in the This is exactly what the Bank is doing to me in this case : The plaintiffs ' attorneys say Bank of America breached mortgage contracts, were negligent in representations made to borrowers and in violation of the Texas Debt Collection Act. Many of the plaintiffs were told they were eligible for loan modifications or other work out assistance by the bank, of BofA employees handling their mortgages. Only XXXX of the homeowners have been foreclosed as a result of problems. 
Mortgage holders have suffered hours of telephone run around, misleadingand inconsistent information, lost correspondence, verbal abuse, andextensive delays in efforts to get home mortgages modified. " The factsin this case reveal the harsh reality that underlies the loan servicer 's press statements about loan modifications and forbearance agreements following the collapse of the U.S. housing market, '' the suit states. " This is not an isolated case, '' said Attorney XXXX XXXX XXXX, who represents the plaintiffs in the lawsuit. " It is the normal way the bank handles business. " The plaintiffs ' attorneys say Bank of America breached mortgage contracts, were negligent in representations made to borrowers and in violation of the Texas XXXX XXXX XXXX. Many of the plaintiffs were told they were eligible for loan modifications or other work out assistance by the bank. 
This is far from the truth, the bank is doing exactly to me of what occurred in the above case. 

Company response: Company chooses not to provide a public response
Consumer complaint: We are hoping that you can help us. If not, perhaps you can direct us to the appropriate person ( s ) or authorities to contact. 

As described in greater detail in the attached correspondence ( representing a portion of the entire correspondence ), on XX/XX/XXXX, we purchased a large-screen TV and related items for more than {$3000.00} pursuant to Best Buy 's interest free offer. We made all required minimum payments on a timely basis, but XXXX, the bank initially administering the credit card, incorrectly applied our payments and charged a ridiculous ( in excess of {$1000.00} ) finance charge. They ultimately admitted their mistake, but improperly corrected it, leaving a finance charge balance of approximately {$70.00}. 

After months of additional correspondence, they agreed to properly correct and eliminate all finance charges. Unfortunately, they never made the correction and the credit card administration was subsequently transferred to Citibank. We spoke with Citibank ( numerous times ) and shortly before the conclusion of the 3-year interest free period, on XX/XX/XXXX, we paid the entire correct remaining balance due to Best Buy. We also sent to Citibank, on many occasions, a schedule of all our timely payments, evidencing our payment in full of this account. 

Citibank chose to ignore our correspondence and evidence of timely payments and imposed a finance charge of {$2400.00} on the, according to their records, {$70.00} balance. We again called and wrote to no avail. Ultimately we spoke with Citibank officials who made various excuses ranging from needing cancelled checks - we made all payments via electronic transfer from Citibank to Citibank - to having no obligation to analyze any information from before Citibank began administering the account. 

I finally requested that they just sue us so that we could have our day in court and prove our payment in full. The unbelievable response was " that is not how Citibank operates. '' Instead, Citi will harass us and ruin our credit rating, regardless of whether we owe any amount. They are excellent at harassment. A computer calls our home phone many ( XXXX or more ) times every day, from before XXXX XXXX until after XXXX XXXX, weekday, weekend and holidays. They refuse to stop harassing, refuse to review the account and related correspondence and insist this is how they operate until they are paid what they erroneously think we owe them in full. 

As indicated up front, please help and/or direct us to the proper authorities. 

Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have opened an Identity theft case with the Federal Trade Commission Case FTC - XXXX. I also have a police report ( XXXX Police department XXXX ). Both reports contains all of the details of all the fraud, identity theft and harm that has been caused to me. I have been struggling to clear the damages with friction from TransUnion. I was guided by the Federal Trade Commission to open a new case with the CFPB to resolve this matter. 

I had written the Collection Agency XXXX XXXX for an allege debt for XXXX XXXX account XXXX ... XXXX Tracking XXXX on XXXX XXXX, 2015 requesting validation for this allege account and received no response from the collection agency. It is now past 30 days and according to the FDCPA this account needs to be deleted. 

I have brought the fraud as well as this matter to TransUnion XXXX times, ( XXXX Tracking XXXX received XXXX/XXXX/15 ), ( XXXX Tracking XXXX received XXXX/XXXX/15 ) as well as ( XXXX XXXX received XX/XX/2015 ) on the lack of validation by the collection agency and requesting to delete this account from my credit file. 

TransUnion repetitively delay the process by doing an investigation and responded on report number XXXX with NEW INFORMATION BELOW. If the collection agency can not validate the account within the require 30 days, following the FDCPA it needs to be deleted from my credit file. Upon escalating this to TransUnion, and the delaying of correcting the reporting of this account, this is now a violation of the FCRA and this account needs to be deleted. 

I have been a victim of identity theft which has caused a lot of harm to me and my family. I have been trying to clear up the damages with a lot of friction from TransUnion. 



Attached : copy of the debt validation lettercopy of the debt invoice by XXXX to TranUnionTransUnion reporttracking informationpolice case reportFederal Trade Commision case 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, XXXX, I was left a message on my phone that stated they were from the IRS Fraud department and they were advising me that the IRS was filing a suit against me for defrauding the federal government. The message gave me a phone number to call and of course I needed to get information as to why I was being sued. When I called, the woman on the phone said that a yellow notice had been put on my door on XXXX XXXX, XXXX and that I had 19 days to respond. When I said I did n't get a notice on my door, she asked if I was calling her a liar and she said she had a picture of my house with the notice attached to my door. I asked what I had done wrong and she said " you know what you 've done between XXXX and XXXX '' and an officer would be at my door in XXXX minutes to arrest me, handcuff me and take me to jail. By then I thought I was going to lose it. She then said, that there was XXXX option she could offer me and would give me time and the arrest warrant could be stopped. She told me that I owed approximately {$4900.00} to the IRS. She said the time was ticking and that I needed to move fast. She had me go withdraw {$5000.00} in cash from my bank. She stayed on the line because she said she needed to give me further directions. She then asked me to go to the Wells Fargo Bank and make a deposit to a certain account number and gave me the name of the person it was going to. She said that if I was asked why I was sending this large amount, to say I was helping a sick friend. I ask why and she said that banks have to put a freeze on all my assets if they get the feeling that I was in trouble with the IRS. She had me deposit {$3000.00} that time. Then I was directed to get back in my car and she would give me further instructions. This time she told me to go back into the bank and deposit the other {$2000.00} to a different account number. She told me to go to a different teller so it wouldn ; 't look suspicious and to keep her on speaker phone. She said that was the only way that she could assure me to keep me out of jail and out of court. She then asked me to go to XXXX XXXX XXXX on XXXX XXXX in XXXX, VA and have then email a copy of the XXXX receipts to XXXXXXXXXXXX. I told her I did n't know where that was so she instructed me to go to XXXX XXXX and have them email it. After that was done, she kept me on the line waiting for a confirmation number so that I could be sure that the attorney had cleared everything up. By time I realized that I had been scammed, it was too late. I could n't imagine how I was so stupid to fall for this scam. A report has been filed with the XXXX Police Department.. 

Company response: Company chooses not to provide a public response