AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX XXXX, XXXX at approximately XXXX hours, I checked my credit report using Experian because this was the ONLY credit bureau which gave me negative remarks with a credit score of XXXX points. I noticed the address of XXXX XXXX XXXX, XXXX, California was wrong. I disputed through Experian by explaining to the bureau that I have NEVER lived in XXXX, California in my life. I live in XXXX XXXX, California since XXXX. Someone stole my personal information such as my social security number and date of birth to open several credit card accounts since XXXX XXXX. I had to dispute several fraudulent charges to several credit card companies by explaining to these companies that I do NOT live in XXXX, California. I would like Experian to remove this address of XXXX XXXX XXXX, XXXX, CA and restore my excellent credit score of XXXX points which I have maintained XXXX years of my life. I owned a townhouse in XXXX XXXX since XXXX due to my credit score of XXXX points. I just refinanced my house on XXXX XXXX due to my score XXXX points. I paid ALL my bills on time throughout my entire life by working hard. The suspect stole my identity on XXXX XXXX and has ruined my life since then. ALL I want is 100 % closure and Experian to restore my credit score of XXXX points. I sent a XXXX XXXX Police report to Experian by mail on XXXX XXXX, XXXX to verify what I said is 100 % truth. Experian still refused to assist me and refused to restore my credit score of XXXX points. I do NOT live in XXXX, California and will dispute many fraudulent charges against me. Experian has most of my personal documents such as my CA driver license, social security card, DMV bill, property tax bill and a XXXX XXXX Police report to prove my identity. The suspect committed the crime of theft using my identity in southern California by avoiding capture from the law and payments. I ONLY live in XXXX XXXX since XXXX. PLEASE remove XXXX, CA from my credit report since I have been a victim of Identity Theft. And PLEASE contact XXXX XXXX by having XXXX XXXX close my account due to fraud and Identity Theft. And PLEASE help me restore my credit score of XXXX points which I work very hard throughout XXXX years of my life. Thank you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: 1 ) Using Citi 's online banking system I scheduled a payment to be processed on Saturday XXXX XXXX, 2016 to pay my XXXX statement in full for the amount of {$3900.00}, withdrawing the funds from my credit union. The funds were to be obtained on Monday XXXX XXXX, as Saturday was not a business day. 
2 ) On XXXX XXXX my dog died and I completely forgot to deposit the funds into my account. 
3 ) On Wednesday XXXX XXXX I realized I had made the error of not depositing enough money. I contacted Citi immediately by telephone and via the customer service representative I paid the XXXX statement in full from a different bank account, from a different bank ( not the credit union ). I thought I was doing the right thing by paying it in XXXX transaction and that by taking immediate action the debt would be resolved. I paid the XXXX statement amount in full : {$3900.00}, and my Citi account reflects that the payment was made that same day. 
4 ) Unfortunately the automatic system was not notified. On XXXX XXXX Citi 's automated system tried to withdraw the original transaction scheduled for XXXX XXXX once again, even though the statement had already been paid in full on XXXX XXXX. 
-I thought it was odd that Citi was trying to obtain the funds from my credit union since I had already paid the XXXX statement in full ; I went online and saw that when I made the payment by phone the funds actually went towards my XXXX statement, and that the XXXX statement was still in arrears. 
- I immediately spoke to a representative on the phone and he told me that it was impossible to cancel the automatic payment and that Citi would continue to try and obtain the funds from my credit union until XXXX XXXX. 
-Based on the information from the representative I immediately deposited {$3900.00} into my credit union account in anticipation that Citi would once again try to obtain the funds using the automated system. 
5 ) The evening of XXXX XXXX I received an email from Citi saying that the funds were returned as unpaid from the credit union account and that if the information was n't accurate I was to call Citi immediately at XXXX ( TTY/TDD : XXXX ). 
6 ) The morning of XXXX XXXX I phoned Citi to resolve the issue immediately ( again ) and paid by phone ( again ) the amount of {$3900.00}. 
7 ) One hour later I went to the grocery store to make a purchase and my Citi credit card was declined. 
8 ) I immediately phoned Citi and was informed that my account had been closed, even though I had just spoken one hour earlier to a representative and my account was open at the time of our conversation. 
9 ) Today XXXX XXXX I received a letter from Citi informing me my account is closed and that it can not be reopened unless I provide a letter from my bank saying the payment was returned by mistake. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am once again reaching out and requesting your immediate attention to yet another credit reporting problem. I stated reaching out again because it had been well documented from XX/XX/XXXX, to present date, I had to fill numerous complaints against Macy 's in regards to your discriminatory credit reporting practices. 

I am in receipt of the attached XXXX report number XXXX, dated XX/XX/XXXX, and discovered the following reporting problems which XXXX is placing the blame on Macy 's : 1. The FCRA requires creditors to provide their name address and telephone on the credit report to allow consumers to dispute inaccurate information directly with the creditor. 

Please note the number ( XXXX ) XXXX, Macy 's is listing on the report does not provide contact with Macy 's but is a telemarketing number, which not only blatantly ignores the law but selling products while doing so takes arrogance to a completely new level. 

2. Account # XXXX, is showing items as of date reported XXXX/XXXX/XXXX, date of last activity XX/XX/XXXX. The report was pulled on XXXX/XXXX/XXXX, how is this possible when payments are made each month on both accounts where is the data from XX/XX/XXXX to present? 



3. Account # XXXX, listed as no data available on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and shows no data on the account prior to XX/XX/XXXX, how is this possible when both accounts had been established since XX/XX/XXXX? Where is the data and why was this reporting information being withheld from XXXX? 

4. The credit limit on both accounts is {$3800.00}, on each account why is the credit limit on the XXXX, credit report listed at {$2500.00}, which is showing an inaccurate credit to debt ratio and lowers my credit scores. 

5. Account # XXXX, listed as no data available on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, how is this possible when payments are made each month, where is the data from these months and why is the information being withheld from XXXX. 

6. Account # XXXX, is showing items as of date reported XXXX/XXXX/XXXX, date of last activity XXXX. The report was pulled on XXXX/XXXX/XXXX, how is this possible when payments are made each month where is the data from XX/XX/XXXX to present and why is this information being withheld from the credit reporting bureaus? 

I would like for your credit reporting department, your new banking/credit card company and the Executive Office to take a very close look and fix the above-mentioned items immediately. 

I want Macy 's to make sure this information is corrected with all three credit bureaus within ( 30 ) days. Failure to do so will result in immediate legal action. 

Sincerely, XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/16, I called bank of America to change my platinum plus rewards card to a travel rewards card. The rep that I spoke with said that I had to open a travel rewards card and transfer the credit line from the old account to the travel rewards account once I got the card. The rep explained to me that the bank viewed my account as a whole credit line and not as separate accounts. The rep said that when I got the travel rewards card that my account credit line would be slightly reduced by the amount of the credit line that they gave me on the new card. but, he stated that once I received my new card, I could call in and have the entire credit line moved from the old account to the new account and I could close my old account. 

On XX/XX/XXXX I received my new card and proceeded to call Bank of America to transfer my credit line but was told by the rep that I was unable to do that and that I could only do it once my balance was paid off or paid down enough to transfer the amount due. I told the rep that that was not what I was told when I opened the account. So I spoke with her manager, XXXX and she said that she could n't do it as well. But she did open a case XXXX and said that she escalated my problem and that they would investigate it and give me a reply by next week. I told her that I believed that her bank committed fraud by promising one thing and not delivering once I opened the new account. I told the manager I would file a complaint with the ftc. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Advertisement from lender below / Waving balance of loan for on time payments ... .Various Text Messages Received I fwd e-mails following up to lender as well additionally called but they do n't reply. 
This appears/apparently to be a scheme to continue monthly payments. 
Most recent i called to speak with a manger about the matter. The gentleman claims to be be a relationship manger stated he would have a manager call he knew nothing about the text. It have not happened of yet. Today I received a e-mail from : XXXX Relationship Manager.. I called immediately and they claim she was not in to review the matter. 
Text received : ( Spotloan ) Nice job making your 2nd payment! If you make the next 2 payments, you may get the rest of the loan forgiven! Reply STOP to opt out of texts. 
Reply - Wow cool!!! 
All Text and e-mails are saved for review. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: A former schoolmate of my girlfriend 's XXXX XXXX XXXX XXXX owed her some money and in order to pay her back, he got in contact with me. He said he 'd deposit some money into my account and that once it cleared, I should take my portion and send him the rest. He then asked her that I should mail my debit card to him because he needed it to make the deposit, and not thinking anything of it, I changed my pin and did as she said. I paid close attention to my account, and when I saw the money in there, I felt relieved. Little did I know that it was a scam, and in a few hours, nearly {$4000.00} was withdrawn from my account. I have since contacted the bank and police to try and resolve the issue and get the guy, but nothing has been done yet. 

Company response: Company chooses not to provide a public response
Consumer complaint: Mortgage XXXX US Bank ORIGINAL mortgage taken out by XXXX XXXX XXXX and XXXX XXXX XXXX In XXXX of 2015 I filed a insurance claim against my insurance company XXXX XXXX XXXX company Insurance policy XXXX US Bank ticket XXXX A check was sent made out to myself, XXXX XXXX XXXX ( 2nd mortgage holder ) and US Bank. I signed it, XXXX XXXX XXXX signed off on it and it was sent to US Bank who cashed and still has the money. The check was for {$24000.00} The asked for the check, the insurance adjuster 's worksheet, a signed contract and a contractor waiver of lien. I sent all of that. Then they wanted a XXXX filled out. I sent that. 

Then they said they had no paperwork so I sent it again. Everything goes into the general pool of file loss representatives and no one will take responsibility. 

I finally did get a check for {$20000.00} on XXXX XXXX but it was made out to me and my deceased husband. They have an original of the death certificate and he is not on the insurance, only I am. So I had to return the check and then once again they claimed there was no paperwork. They will not transfer me to a manager, even a voicemail, and no manager has EVER called me. 

All the work has been done by my contractor and I really would like to be reimbursed for all of it. 

At this point I do not know what else to do short of hiring an attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Since XXXX 2014 Experian has ignored my numerous requests to investigate, verify and remove XXXX account from my credit report that was opened fraudulently. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a checking account with Citibank. I deposited a check in the amount of {$2700.00} from a publishing company on XXXX XXXX, 2016. The bank would make only XXXX cents of it available on that day. Then it made {$200.00} available on XXXX XXXX, and {$400.00} today, XXXX XXXX. They called a " standard delay ''. 
Citibank never informed me of this " standard '' and never used to do this in the past. 
This policy caused a depletion of my funds to such an extent that my wife and I could not check out of the grocery store. 
Not only should this policy be reversed, but Citibank should also pay us a compensation in the amount of the check, and pay the Federal Government a fine for defrauding its customers. Citibank and other banks should be prevented from using the money from my check while withholding it from me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Your firm is in violation of the federal authority on health information privacy arises from the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ), Standards for Privacy of Individually Identifiable Health Information ( 45 CFR Parts 160 and 164 ). California has several laws on health information privacy, including the Confidentiality of Medical Records Act ( Civil Code 56 et seq. ), the Patient Access to Health Records Act ( Health & Safety Code 123110 et seq. ), the Insurance Information and Privacy Protection Act ( Insurance Code 791 et seq. ), and the Information Practices Act ( Civil Code 1798 et seq. ). Citations for specific rights enumerated in this document are provided below. All the referenced laws may be found on the Privacy Laws page of the California Department of Justice 's Web site. Please provide copies of your security policies, testing and audits that prove your data privacy is compliant from a XXXX party. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX/XXXX/16 EFT-SPOTLOAN/8886816811 ( {$96.00} ) in connection to complaint made under Case number : XXXX ]. A requested was made for Spotloan to process full pymt of balance. 
They draft only the minimum again. They used a method for me to believie they will waive the balance due as a good customer. It was a marketing tacit for monthly payments. I requested spotloan via e-mail to draft the full balance to have them stop drafting my account with interest and fees. This process only get them ungodly interest and fees not going towards the loan. The request was not process drafting only the min due. e-mail forward to : From : Help at Spotloan XXXX Sent : Tuesday, XXXX XXXX, 2016 XXXX XXXX " Request to post full balance of due ASAP, stop with the text procrastinating with the text. Process full payment due '' 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: XXXX pulled my credit report without my consent and I did not apply for credit nor do I have an account with them. 

Company response: Company chooses not to provide a public response
Consumer complaint: US Bank sent me to check systems for XXXX I had made no purchases or did nothing to overdraw this account. They had no reason to damage my credit with XXXX. 
I did not get a phone call or a letter that my account had been closed or I owed anything. I have read many stories on the internet where they have done this to people. I have contacted them and they refuse to correct the problem. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX mortgage is reporting to all bureaus of delinquency. I contacted XXXX and disputed the matter and it was removed. Transunion is NOT showing a late payment and also XXXX failed to remove the error. The charts that reveals the monthly payments are green and paid as agreed but yet, XXXX is still reporting to the other XXXX transunion and XXXX as delinquent. 

Transunion is also reporting my age of first credit to be at 6yrs 3mths which is false 

Company response: Company chooses not to provide a public response
Consumer complaint: Loan sold to Green Tree Mortgage. I was unemployed, received unemployment payments from the government and able to verify yet Green Tree never would approve my loss mitigation paperwork. Instead paperwork was ALWAYS lost and reps could never help or even tell me the same information twice. I began the loss mitigation progress with Green Tree XX/XX/XXXX. My loan was then changed to DiTech XX/XX/XXXX. DiTech said they did n't know I was in the middle of trying to modify and I was called 5+ times per day requesting payment in full. Again, I was unemployed and could verify this. I restarted the loss mitigation process again XX/XX/XXXX with DiTech. Like Green Tree, same run-a-round, my paperwork was lost and at one point in XX/XX/XXXX I was verbally approved for a repayment plan though I never received any letter in the mail. The next time I called, that rep who verified the payment plan no longer worked there and no one had any knowledge of me being approved for repayment. I then restarted the loss mitigation process XX/XX/XXXX and was recently told verbally that a letter was sent to me in XXXX stating my package was incomplete. I NEVER RECEIVED A LETTER. So here I am in XX/XX/XXXX restarting the loss mitigation process. Sadly, the rep I have is n't knowledgeable she also ca n't tell me how my mortgage amount continues to increase yet my mortgage is fixed. She always says she will call me back and never does. Last complaint is a {$40000.00} Corporate Advance account fee I am being charged in addition to my principal interest amount. I 'm aware this amount is significantly higher as told to me by an attorney. Green Tree turned DiTech is fraudulent and I need help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: These XXXX collections on my record are incorrect and should not be there. 

Company response: Company chooses not to provide a public response
Consumer complaint: About a couple of weeks ago I received a phone call from a collection company from XXXX. The lady was very nasty requiring a payment to settle a collection account. I ended the call, but I was curious about why someone called me to settle an account. I went to XXXX to investigate where the call came from and it is from XXXX XXXX XXXX from XXXX, NM. My concern is that she is part of stealing my identity. Then immediately I went to XXXX to verify my credit information. Sure enough, I found to credit cards that someone else opened using my information. I have no knowledge on either one of these accounts. I called XXXX XXXX XXXX and Continental Financial and one ca n't find an account under my name and the other one did not help me at all. The purpose of this complain is to clear my credit from both of these accounts. I am submitting an individual complaint to solve each of the fraudulent accounts from XXXX XXXX Bank and Continental Financial Company. I am a XXXX veteran and this is aggravating my mental and emotional well-being. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have disputed the validity and the account status of a XXXX XXXX account several times with Experian, XXXX and XXXX. XXXX completed a thorough investigation and found multiple discrepancies, which lead to the account to being deleted /removed. Very happy with XXXX. However, Experian completed an inadequate investigation, if any. They did not VALIDATE the account was mine. They have not provided an true open date or payment history ( both of which I requested ), no account info, nothing! I filed XXXX separate disputes ( XXXX online and XXXX via USPS ) with Experian regarding this XXXX account, and I have yet to receive any type of correspondence from them. It has been 30+ days. I have obtained new credit reports from each of the mentioned bureaus as recently as XX/XX/XXXX, and the XXXX account is still reporting factually inaccurate ( with exception to XXXX ), and I strongly feel that Experian and XXXX have not met their lawful obligation to complete a full investigation into my disputes, nor have they complied with any of my requests to complete a thorough investigation. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX i followed the instructions to get a free transunion/fraudsrights reading of my credit report as i have been a victim of identity fraud. i followed their notice to me and soon became immersed ina veritable morass of on line impossibility. ultimately i had to decide on a {$1.00} payment to get such a reading of my credit report. after i had done so i immediately cancelled any furture use of transunion. witin 30 minutes i received an email stating that i owed them {$2900.00}. i called transunion plus to contest this billing. i was told to speak to a supervisor who told me TOO BAD i had to pay the bill. here i am the victim of identity fraud being victimized by those who were " there to help. this is so unacceptable i ca n't believe it. I have done do dillenge including filing a police report, etc. i have told my bank to not accept the transunion charge. i am writing to my congresswoman and personal friend, betty mccullem asking for her assistance with this and will contact any agency necessary. to get victimized in this way is unforgiveable!!! i hope you can stop them from doing this to me BUT also others who do n't have my political connections. XXXX XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response