AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have a debt collection for an account that I am not responsible for. It appeared on my XXXX and Experian credit file last year. I disputed, and the debt collection was removed from both. The same debt was sold to another company in XXXX and was placed back on my credit file with XXXX. The name of the company was XXXX XXXX and collection. I disputed this again and XXXX removed the collection on XXXX/XXXX/15. Today experian reported the exact same debt but now with a different company. The account reads as followed : Company : XXXX XXXX XXXX Account # : N/ABalance Amount : XXXXStatus : The original debt is from XXXX XXXX XXXX. The debt has been disputed and every time it has been removed due to the debt not being true. I have disputed this debt a total of XXXX time with different debt collectors that buy the collection. I was never notified by the debt collection agency but rather found out by checking my credit. Can we please address this collection as it is becoming a nuisance everytime its sold to another debt collection agency. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/XX/XX/2015 I discovered that XXXX prepaid debit cards that I had purchased had been used by someone to make small fraudulent charges. I reported this to USBank. The cards were deactivated to prevent further fraudulent charges. When they were deactivated, the money I had placed on those cards were also made unavailable. I was instructed to fax information into the disputes department so that I could go about getting my money ( {$400.00} ) refunded ( fax included - proof of possession of cards, receipt for purchase of cards, my contact information ). On XXXX I called inquiring about status and was told to call back after 10 business days had passed. On XXXX I called and was told I 'd need to call the fraud department the next day. Today, XXXX I was told that I never needed to send a fax and that I would need to wait to receive a letter in the mail. Then after sending back the letter, i would need to wait 45 days for an investigation before my funds are returned. I asked to have my funds that were remaining on the cards but not in dispute returned to me immediately ( approximately XXXX ) while waiting for the disputed charge ( approximately XXXX ) to clear. This set off a maze of phone calls and conflicting information from representatives about the current status of my dispute and how long it would take for me to receive access to my funds. At this point it is unclear whether USBank is even appropriately attempting to remedy this situation. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had a XXXX checking account and savings with Wells Fargo for at least XXXX years. Recently I realized my account had been charged {$8.00} per month for the last XXXX months. I immediately called to find out why and was told that my debit card expired and fees were based on not having a debit card. I was not aware it expired nor was I notofied of the change in type of account I have as a result. Usually a new debit is sent when the old XXXX expires. I was told a new card would be ordered and only XXXX of the XXXX {$8.00} fees could be removed. This month a {$10.00} charge appeared. They have no record of a new debit card being ordered and say that even so I would have to use it XXXX times a month for it to count toward the free checking. They also said my account had been switched to a {$1500.00} minimum, which I DID NOT authorize! I had called the XXXX number to find out if the other XXXX charges could be reimbursed. They said no, but we did not discuss changing the parameters of the account. I feel violated that my account was changed twice without my knowledge and fees are continuing to accrue. I am closing the account as soon as possible, but wonder how many others are paying fees without knowing it. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX ENGAGED IN UNFAIR PRACTICE AND PATTERN TO DENY US FAIRNESS AND JUSTICE. THE XXXX COMPANIES HAVE MADE SEVERAL FALSE STATEMENTS AND PATTERNS OF OBSTUCTUIN OF JUSTICE. : " INDENPENCE FORECLOSURES REVIEW '' AGREEMENT HAVE BEEN VIOLATED FOR ( {$10.00} ) ... XXXX AGENTXXXX XXXX PREPARED A BREACH AGREEMENT FOR XXXX XXXX, XXXX XXXX XXXX XXXX FHA XXXX XXXX WITH ' '' UNCLEAN HANDS '' AT 5.875000 % .FALSE AND MISLEADING. 
AGENT XXXX XXXX OF SELECT POTFOLIO SEVERING, INC. WERE EMPLOYED AS SEVER WITH " '' UNCLEAN HANDS '' '' THE CONTRACT IS " NULL AND VOID '' AND " MOOT '' .THE CONTRACT VIOLATES THE " GENERALLY ACCEPTED ACCOUNTING PRINCIPLES ( GAAP ) ,18 U.S.C.///926C , FEDEERAL CRIME VICTIMS RIGHTS ACT ( CVRA ) TITLE 18 U.S.C.//3771, MANDATORY VICTIMS RESTITUTION ACT ( MVRA ) 18 U.S.C.//3664 AND THE FEDERAL MONDATORY TO VICTIMS OF CERTAIN CRIMES : TITLE 18 U.S.C.//3663 ( A ) ..IN A SIGNED AGREEMENT WITH THE UNITED STATES OF AMERICA ( DOCKET XXXX ; XXXX AND NO : XXXX ... MAKING US A VICTIM UNDER THE ''DEBT PEONAGE '' AND ''INVOLUNTARY SERVITUDE '' ACTS. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am in the process of having my roof replaced due to weather damage. Part of the process for US Bank Home Mortgage is that I have an inspection before the funds can be released to pay the contractor. I requested an inspection from US Bank Home mortgage on XXXX XXXX, 2015. I was told I would here from the XXXX party contractor within 3 -5 business days. Today is XXXX XXXX and I have yet to year form the contractor. I continue to call US Bank Home mortgage for a solution but they only tell me that a ticket has been placed to escalate the inspection, but I have yet to receive an inspection or a phone call from anyone regarding the inspection. The roof replacement work was completed on XXXX XXXX, 2015. US Bank Home mortgage paid XXXX of the {$3500.00} check they received from the insurance company. this payment was made to the contractor and myself. They have indicated the other funds can not be drawn down until the inspection has been performed and approved. US bank also received an additional check from the insurance company to cover the actual recoverable depreciation. I 've been waiting almost 3 weeks for a contractor to come out. US Bank has done nothing to assist me, other than tell me they are escalating the ticket to have an inspector contact me. I 've been told that several times, but have yet to receive a call. All of the conversations with US bank home mortgage have been initiated by me, I have yet to receive a call from anyone even though I 've been told managers and team leaders would call be back to discuss my issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: TransUnion 's initial web page does not provide a way to obtain a free credit report. Instead it provides a free credit score and a credit report for {$1.00}. You have to create an account with them in order to get either. Both are part of a 7 day trail. After 7 days you have to pay {$17.00} a month for their monitoring service. You can cancel within the 7 day trial period. This TransUnion web page came up on the www.freecreditreport.com site. I have no idea how to get my free credit report from this company. I do not feel I should be required to create an account with them in order to get my report. The other reporting companies do not require this. 

Company response: Company chooses not to provide a public response
Consumer complaint: I began the day inquiring about the interest rate on my Citibank account that I have had since XX/XX/XXXX. I asked if the representative if I would be able to qualify for a lower interest rate. I also said that I had been a customer for some time and that I would prefer to remain with Citibank. I was told I could lower the rate by 3 %. I stated that another bank had just sent me an offer for for a XXXX percent interest introductory rate and a lower over-all APR, so I asked if they could lower by more than 3 %. The representative replied that that was the best that Citibank could do and I responded that I would make a decision and contact them at a later time. 

About XXXX hours later I contacted Citibank to get my exact balance so I could transfer my debt with them to my new account, which I had opened in the meantime, and was surprised to find that my Citibank account had been closed without a request from me to do so. I called Citibank 's XXXX Office to ask why my account had been closed and was told that I had made the request sometime before today 's inquiry to lower my interest rate. I stated that I had never requested to have my account closed. The manager insisted that I had made the request and that I had been recorded doing so. I challenged her to produce said recording knowing that no such request had been made by me. I also noted that my last statement ( XX/XX/XXXX ) reflected a credit limit which would indicate an open account. XXXX declined to produce the recording and added that she would file an investigation and I would receive something in the mail in XXXX to XXXX business days. Their action on this account today, will result in a loss of available credit, lengthy credit history, and a negative impact on my credit score. 

Company response: Company chooses not to provide a public response
Consumer complaint: Have been turned over to collection on a debt that I do not recognize. Repeated requests for details ignored. Research indicates the originating company is a " internet get rich quick '' type scam. But I am not furnished any details. 


XXXX XXXX CR CO COLLECTION ACCOUNTORIGINAL CREDITOR : XXXX AFFILIATE INCOME INCACCT INFO DISPUTED MEETS FCRA UnknownLoanType Open TransUnion 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: called me at XXXX XXXX on XXXX/XXXX/XX/XX/2015 saying that I owe {$1600.00} and I talked to the management company that filed it against me and they told me adjusted it to {$940.00}. XXXX calls me saying I have to make a payment before XXXX on XXXX/XXXX/XX/XX/2015 after the fact that I asked them to mail me something stating that balance and they refused to. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi, I am really disappointed with Bank of America XXXX I have transferred my money of 650 $ on XXXX XXXX XX/XX/2015 to my friend, account holder in Bank of America. In my Money Transfer field shows that the account holder is verfied. Then i did make transfer, the money is gone from account but the reciepient did n't recieve money. 
We called the bank of america customer care by XXXX XXXX - XXXX XXXX XX/XX/2015 which was recorded for quality and monitoring purpose by bank of america, we clearly explained the procedure how we transferred money, they took some time to verify then they are saying that the money is transferred to saving account but the recipient does n't have that Saving account. we do n't know where my money go, they did n't responded properly. We do n't have any clue. We are really disappointed. 

Company response: Company chooses not to provide a public response
Consumer complaint: BANK OF AMERICA wrongly reported we were late on our monthly payment on XXXX 2013 which i snot true, i already contact bank many times but they did not corrected 

Company response: Company chooses not to provide a public response
Consumer complaint: Citi Bank Credit Card took an " Unauthorized '' payment out of my bank account from past credit information they had on file. On XXXX/XXXX/2015 I made a payment of {$170.00}, and again on XXXX/XXXX/2015 Citi Bank took it again. I contacted Citi and they gave me several " Run-Arounds '' and various numbers to contact. I submitted several fax messaged to their " Payment Investigations Dept. '' @ XXXX with a cost of {$1.00} per fax sheet incurred upon me. I also have {$140.00} in overdrafts with my bank. Citi submitted {$100.00} of the {$140.00}, but there is still an outstanding {$36.00} overdraft they have not covered, and additional {$110.00} in XXXX Deposit ( s ) made into my account that my bank took to cover overdraft ( s ). So I am out {$150.00} total to date. I would like the {$150.00} refunded to me. I do n't wan the unauthorized {$170.00} back now because this has now drug out so long that we are into another month and I might as well just let them have that toward the account. Thank you. XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My paypal account was permanently limited on XXXX, so was my debit card. I have {$3800.00} in my account and could not withdraw it. Paypal may have right to limit/close accounts, but they should not hold people 's money for that long. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I fell on hard times about a year ago and landed back on my feet and I was able to make my monthly payments on my mortgage with US bank up until XXXX of 2014. I ended up having to apply for financial assistance. My mortgage supervisor lead me to believe I was doing the right thing and at that time I had the money to pay the backwards amount but she instated on going a different route so I decided to fill out all the paper work and submit it a few months later I had heard nothing back form them so I decided to email my supervisor and ask her if I can make payments so I do n't fall so far behind she told me no that the process is in under writing right now and there would be no reason to make a payment due to being accepted for financial help so two more months go by and I get a letter stating I was not accepted for help and I have fourteen days to appeal so the next XXXX days I called my supervisor XXXX a day and left voicemails tell her voice mail box was full I never heard back from her for a full month and in the mean time getting another month behind on my payments. when I asked her about all this she denied it but I have it all in writing through emails so she has yet to contact me back on my options then another month and payment behind goes by and I get a letter in the mail stating I am due for foreclosure which I was doing everything in my power to stay out of that is was my supervisor who was not contacting me not keeping me informed and not doing her job yes I fell behind and that 's my fault but now I am nine months behind due to her not helping me and leading me in the wrong direction I had the money to pay what I was behind at month XXXX and not being nine months behind and no help my home will be foreclosed on unless they take back fees due to her emails and telling me not to make a payment. if you feel I have a case please call me and I will forward the emails to you of her stating not to make a payment.. I will forward emails so you can read every one of them they sent me 

Company response: Company chooses not to provide a public response
Consumer complaint: When applying for a job I learned that there are XXXX unidentifiable Bankruptcies on my Experian credit report in XXXX 2014. XXXX is dismissed and the other is discharged. I have been disputing this with Experian and every month for the past 9 months ( XXXX times ) it comes back as verified. Finally called experian and they told me that have verified the information as correct. I asked them to call the courthouse. XXXX came back on the phone and said the number is busy. I asked her to verify the number which she said XXXX. The number is incorrect I advised her the correct number is XXXX. Which also led me to research the address Experian had for the courthouse on my credit file. The address Experian has is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Which is the XXXX XXXX not the courthouse. The correct address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I asked Experian how can the verify the Bankruptcy 's are mine with the incorrect information they have for the XXXX courthouse to be able to verify the accuracy as correct. They could not answer my questions. I have spoken to XXXX different employees. I as also rudely treated. I also noticed that the dates they have changed from month to month. I called the courthouse and spoke to XXXX. She said XXXX called and only asked for information on XXXX XXXX and gave docket number. The courthouse is not permitted to provide information on the social security numbers. Federal Bankruptcy Law Rule 1005 and Rule 9037 does not permit full social security numbers to be either given or provided to. Can verify with an address. The address the courthouse has is not my address nor has it ever been my address. Because of Experian Unlawful practices they are putting a tremendous hardship for myself and my family. I am unable to obtain gainful employment in the industry of been in for over 25 years. I am unable to obtain credit etc. They are breaking the law FCRA. If this is n't taken off my report I have an attorney ready to take my case which is cut and try. I have all supporting documents and a file XXXX feet high. 

Company response: Company chooses not to provide a public response
Consumer complaint: Recently, I deposited a check from my XXXX XXXX account to my Union Bank account. The day after funds transfered to Union Bank I noticed my funds were on only partially credited to my checking account. A Union Bank branch manager told me that the partial credit would be on hold for 2 - 3 days after funds transfered in. How many days does Union Bank legally have to hold client funds once the transfer has been credited to thier ledger? 

Company response: Company chooses not to provide a public response
Consumer complaint: i went to the XXXX for my XXXX but the insurance paid a portion of the billthe remain the bill i do not know until i receive the phone from collector and they charge interest but this XXXX not my faultthey sent to progressive management systems collector can you tell me what can i do 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Rec 'd email statement saying my account was 2 months overdo. This is the first email I ever received from this store - I always pay my bill on time, and never carry a finance charge. Paid my account in full that day. I have been a credit card holder since about XX/XX/XXXX. They have reported me to credit bureaus and basically are saying that I am lying - that they sent the previous statements by email and there is no way that there could have been a mistake. I have checked my entire email account - trash, spam and messages rec 'd and sent. Nowhere is there a record of them sending previous statements for that month - bill was for XX/XX/XXXX ( Amount {$150.00} ) Why is there no consideration for me - as a responsible credit card holder - why is it assumed that I am lying? I have cancelled my credit card with Bloomingdale 's but I would like to protest their unfairness. 

Company response: Company chooses not to provide a public response
Consumer complaint: Roughly 5 years ago, in my mid XXXX, I filed for bankruptcy. I hoped that by doing this in my early adult life, I could then be prepared to move forward with my life ( buying a home, starting a family ) in my XXXX. Now, at XXXX last XXXX XX/XX/2014 I started my search for a home! 

Upon receiving my pre-approval and getting my credit report, it was brought to my attention that there was an outstanding amount for {$3500.00} with XXXX on my report. I went back to my bankruptcy paperwork and yes, this {$3500.00} was in fact included in my bankruptcy -- it was paid, but somehow 5 years later was still a huge red flag of delinquency on my credit report. I could n't believe it had been sitting there for 5 years hitting my credit negatively. 

In XXXX, I sent a certified letter to XXXX XXXX XXXX XXXX asking them to remove it. I did n't receive a response. When I called to follow up on the status, they directed met to call the XXXX credit bureaus to have them take it off on their end. I ended up getting in touch with TransUnion via a form, and received a cryptic response of their " investigation '' -- the amount still was on my credit report. 

Today, I sit in complete and utter sadness -- my loan for the home I 'm looking to purchase is at a dead stop because of this incorrect listing on my report. I spent most of yesterday ont he phone with XXXX, asking them to remove it as swiftly as possible ( I 'm t minus 4 days until my targeted closing date ). Their response : " an investigation will take XXXX hours and a solution could take XXXX more days on top of that to remove it ''. I more than likely will be losing my opportunity to purchase this home because of their lack of response to my initial letter in XXXX, and their incorrect, sloppy administrative practices -- XXXX months of " deliquent '' has been hitting my credit report and now, preventing me from obtaining a loan to buy a home, despite years of work to repair and move forward from my early credit issues. 

I 'm devastated and do n't really know where to turn at this point. I plan on following up with XXXX today to try to make them remove it again, but I 'm terrified the sellers will be backing out and additionally, I will lose the {$14000.00} deposit I 've already submitted. I ca n't believe this is happening ... 

Company response: Company chooses not to provide a public response
Consumer complaint: I wrote to Experian informing them that a Tax lien that they are showing on my credit report in the amount of {$18000.00} was an error and that it should not be showing on my credit report. They ignored my request. I wrote them more than XXXX. I went to apply for employment with XXXX and received a letter stating that Experian recently issued, for employment purposes, a consumer credit report about me to XXXX/Employment. It states the credit report contained the following public record information : Court/Plaintiff : XXXX XXXX XXXX XXXX Tax Lien XX/XX/XXXX in the amount of {$18000.00}. Attached you will see the Release of the Federal Tax Lien dated XX/XX/XXXX showing I did n't owe the Tax Lien Received from the Department of the Treasury Internal Revenue Service showing that the amount owed is None. ( See attached documentation ). I wrote to Experian prior to applying for employment and informed them that this was an error and they flat out ignored my request and documentation. I 'm including the documentation via fax to the XXXX XXXX XXXX XXXX which is the number giving by your chat representative. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was in the process of a loan modification and Well Fargoclaimed that I had a lien on my property in the amount of {$18000.00}. I completed the trial modification. 
I went back and forth with them and told themthe lien is against another person with the same name. 
I provided my own title work which proved the lien wasnot on my property. I contacted them several times and wastold someone would reach out to me but only after theydenied the modification due to a time lapse was I able toreach someone. I provided them with the attorney 's nameand telephone number who filed the lien. They are horriblewith follow-up and may cause me to lose my home becauseof lack of service and the lack of follow up on the informationI provided to them and that is readily available to themthrough other sources. 

Company response: Company chooses not to provide a public response