AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have noticed that each month Trans Union is LOWERING my credit score that it is reporting to XXXX XXXX, and all businesses who inquire as to my credit. They have now, this month provided my creditors with a BELOW AVERAGE score, which is FALSE and slanderous. This is deliberate to thwart my attempts to further my business associations. I have XXXX late reporting and XXXX past due on ALL of my credit accounts and Above Average ratings with all of my creditors. There response is insufficient reporting time for each card. YET MY SCORE WAS ABOVE AVERAGE MONTHS AGO, SO HOW THEN IS THAT AN HONEST SCORE REASON, WHEN MANY MORE MONTHS HAVE GONE BY, ONLY STRENGTHENING THE TIMELINE FACTOR. The other negative explanation stated was too high of balance to credit line, yet I pay almost XXXX percent of my balance EACH MONTH ... .miles more than almost all credit consumers. I have been battling FOR YEARS with the credit reporting agencies committing criminal intrusion into my credit file, and it appears it is STILL CONTINUING. No law abiding, fair credit reporting agency would provide FALSE AND DEFAMATORY information on a credit file. I will continue to take legal action EVERY time there is an issue with my credit files an reporting as it appears, I have no choice, being that these types of misinformation have been going on for several years now in my credit file. I want the CORRECT ABOVE AVERAGE SCORE REINSTATED TO MY CREDIT FILE, OR I WILL TAKE THIS TO COURT. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am experiencing issues involving my identification which has been used in the opening of medical accounts that have been appearing on my credit reports since XXXX over the past 3 years I have asked that the ( XXXX ) bureaus assist me with acquiring verification from this company so that I can move forward in the removal of the entry from my credit history. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: When my son moved out, the post office also forwarded mail in my maiden name and reported his apartment address ( XXXX ) on my credit report, but I never lived there and still live/own my house on XXXX XXXX XXXX Attached are current utility bills. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an ongoing dispute with the billing practices of Progressive Mgmt Services ' client, XXXX XXXX XXXX Hospital and its affiliates. XXXX XXXX XXXX Hospital and its affiliates routinely do not provide itemized billing in a timely manner, do not send itemized billing at all, and place accounts in collection without proper due diligence. PMS has been repeatedly notified of this fact on at least 3 prior occasions. PMS continues to attempt to collect invalid debts on behalf of XXXX XXXX XXXX Hospital and its affiliates despite the prior notifications. PMS leaves automated and live telephonic voice messages regarding the disputed accounts without verifying they have the correct contact information and without permission from the alleged debtor - in violation of the FDCPA. PMS has failed to put into place safeguards to rectify these issues as previously outlined in multiple communications with them, XXXX XXXX XXXX Hospital, and the AZ Attorney General. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am continuing to get debt collection calls from a debt that, I was told, was paid in full in XXXX 2013. I have a paid in full letter, as well as an email conversation showing that I do not owe this debt anymore. That being said, 2.5 years later, I am still getting the phone calls and the debt is still showing on my credit report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am experiencing issues involving my identification which has been used in the opening of medical accounts that have been appearing on my credit reports since 2013. Over the past ( 3 ) years I have asked that the ( XXXX ) bureaus assist me with acquiring verification from this company so that I can move forward in the removal of the entry from my credit history. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My spouse has not worked because of medical reasons since XX/XX/2015. We are having problems making our mortgage payment and the bank states that we do not qualify for help and recommended a short sale of our house which we do not want to do. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I sent a letter to Transunion disputing the validity of items on my credit report these items were inaccurate and reported in error on my credit file. I contacted the source where the information was coming from and they could n't give any lawful explanation to why the items was reporting inaccurately in error on my credit report. I then contacted Transunion and asked them to remove the item because its an inaccurate error but Transunion refused to delete it and said they had verified it. I asked Transunion the details of who they verified it with and their method of the verification. Transunion ignored my request and continued to report the inaccurate items on my credit report. I reached out to an attorney friend of mine and the FTC and they both informed me that Transunion had to give proper lawful validation to the items they were reporting and have to make sure they are accurate without errors. I learned that according to the FDCPA and FCRA Transunion has violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. 
Below are the accounts reporting inaccurately in error. Report Number:XXXX XXXX XXXX XXXX acct XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Never received a bill from XXXX XXXX XXXX of XXXX XXXX, CA, and without making reasonable attempts to contact me, XXXX XXXX XXXX passed the bill along to a debt collector, CMRE Financial Services Inc. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: A company named Procollect contacted me about an electric bill to XXXX XXXX back in 2009. Not only was I not living in the state in 2009, I contacted XXXX XXXX and they have no record of me doing business with them in their system. This sounds like a fradulent debt to me. The debt even was placed on my credit report. I disputed the charges and the credit company promptly removed the charges from my credit report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I send XXXX dollars to XXXX to my brother-in-law in his bank account ( XXXX XXXX ) on XXXX/XXXX/2016 but money is still not deposited into account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Barclay Card XXXX was XXXX of cards that our family used regularly to accumulate points for travel\ling. You can earn roughly XXXX cents per dollar spend to be used for travel expenses. We saved up to around XXXX points with roughly equal to {$1800.00} to be used to pay for cruise with our XXXX young daughters for the XX/XX/2016. However, the card was closed by Barclay and the points were taken away without any warning. We did not get a chance to redeem our points. We ca n't go on our trip because of this. We called and they said there is no way for us to use the points that we have earned over the years. Closing the account is Barclay own decision but we should get a chance to use the points first. When we filed the complaint, they just showing us the letters again without giving us a chance to redeem our points. 

Company response: Company chooses not to provide a public response
Consumer complaint: I DO N'T UNDERSTAND WHY????? 
A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

Annual Credit Report Request Service XXXX. XXXX XXXX XXXX, GA XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: We had a XXXX XXXX walk away from us in the middle of a project. He asked for XXXX checks from us. XXXX in which I called XXXX XXXX to have cancelled - however they never cancelled the check and the fraudulant XXXX walked away with twice the amount of money he should have taken us for. I provided a customer service rep with the check number and the amount which needed to be cancelled. To my surprise a check for {$45.00} was cancelled instead of the check for {$7500.00} ( check number XXXX ). Since the following check to the fraudualnt XXXX was also cashed, I am at a loss of {$15000.00} instead of {$7500.00} due to harris bank not properly canceling the first check. When I spoke with Multiple layers of management, they told me there was nothing they could do because they claim I gave them the wrong check number. 
They should have never allowed the {$7500.00} to leave my bank account and should be liable for such a loss. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been unable to gain access to my experience credit report so I can dispute an unverified alleged debt on my credit report. The company who posted this alleged collection account has not afforded me the common courtesy as required by law the ability to dispute this supposed debt and request debt validation. They just put it on my credit report. I hereby dispute this alleged account with berks credit and collection for {$70.00} dated XXXX XXXX 2016. I demand an investigation be performed and removal of this sccount. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX XXXX, there was an account opened through XXXX XXXX that was opened in my name. I was unaware of this account until XXXX when I checked my credit score and saw it. The address labeled under the account was not mine and has become a closed liability on my credit score. I request that this be removed from my credit score. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I made an attempt to receive my free report from Experian via the usa.gov website but received an error and was instructed to call Experian for further instruction. Additionally I tried freecreditreport.com and was unable to obtain my report. The website would not allow me to progress beyond step 1. After entering the information, it would clear the information and force me to start again. After several attempts I decided to contact their product support and was unable to rectify the issue, being told to try again later and/or use XXXX on a windows computer ( what year is this? ). 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX apartments ( XXXX Florida ), which I rented from. All my payments were made on time. They are charging me this extra money, which I do n't know what it is for. I checked my credit report and it says that it was sent to a collection agency, however, I never received any notification of the debt to begin with. I do not owe them any money 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This attached document is a " Qualified Written Request '' ( QWR ) in compliance with and under the Real Estate Procedures Act, 12 U.S.C 2605 ( e ), ad Regulation X at 24 C.F.R 3500, and the Gramm Leach Bliley Act and it was sent to the servicer, Statebridge Company, LLC. Also, attached is a letter from the servicer received in response to the Qualified Written Request. Assistance is requested in obtaining a complete, full disclosure rponse to the attached QWR as is our right under the above act. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is a long story that started in XXXX 2009. XXXX of all I am a veteran of 13 years in the XXXX and I am proud that I had the opportunity to serve my country. I was a XXXX when I came into a financial hardship and had was not paid by the military for over 2 1/2 months. Immediately when I was told that I was not going to be paid that pay period I knew I was in trouble as my mortgage was due. Well at the time I could n't get any assistance for my mortgage and started getting behind. It was n't till end of XXXX I was getting caught up, but I was n't able to pay my balance owed and the bank would not except anything less then the full amount. I just kept getting farther and farther behind and well life happened. I would continuously call and update the bank with my info trying to get into a some program to stop my home from going into foreclosure. After XXXX chapter XXXX bankruptcies filed to postpone public auction to try and get my short sale approved, the bank finally contacted me and said that my home would be going on public auction and there is nothing I can do about it. Flagstar Bank has always been a thorn in my side and to this day they continue to still be. They are reporting the full amount of the loan XXXX is still owed on my credit report and its hurting my credit in a major way. I know the home sold for XXXX which is about where I was trying to sell my house as a short sale at, go figure that. I have recently disputed my balance on my credit report and they denied the update. I also wrote them directly and got a letter stating that they wont update to the correct balance as the foreclosure is for the full balance and will stay on my credit report for 7 years, which i know but I know that the balance of XXXX is incorrect and should be reported correctly. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank sent several to text to my Cell phone without my consent. On XXXX XXXX, XXXX, I received XXXX texts to my phone number XXXX from the Citibank fraud department inquiring about a fraudulent transaction with my debit card in West Virginia. The online account ( opened in XXXX or XXXX ) was not compromised so there was no need to change the user name or password. I had conversations with Citibank on XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and I asked numerous representative how did they receive consent to send texts to my cell phone. Citibank had sent text prior to this incident. I asked them to send me a letter stating when they received consent. On XXXX XXXX I received my new debit card and attempted to add it to my online account. I was able to access the account with my old user name and password. I needed to add the new debit card number to the account and it should have provided me with full access. ( The usual process is to add the new debit card number to the online account and I have full access. ) I was able to access the account but with limited access because the new debit card could not be added. The rep went through several trouble shooting steps and said I needed to register for a new account to access my current account. I asked why and she said it was to access the account. I was asked to add a new user name and password and to accept new terms of agreement and I cancelled at that point. 
I have been able to access my account with the old user ID and password with limited function under my old user name and password up until Monday XXXX XXXX, XXXX. Today I was told my old user ID and password were no longer active because I set up a new user name and password which I did not. The system indicates that the terms of agreement have to be accepted for a new account to be used or setup. The rep said that the system must have pushed it through without my consent. 
I am no longer able to access my online account. Since I started to inquire about who gave Citibank authorization to send text to my cell phone. I have had difficulty accessing my account to pay my bills and access my balance. Now I am told that I set up a new user ID and Password and this was pushed thru the system. I was told that I provided consent and to check my account yesterday, to receive text and now I am unable to access my account to verify this information and they refused to provide the date that I supposedly consented. Citibank is preventing me from accessing my online account which is linked with my savings, checking and credit card account. If a new online account was established with a new user name and password then it done without my permission. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I filed for bankruptcy in 2009 and included all of my debts - which included a XXXX XXXX XXXX XXXX XXXX XXXX credit card. XXXX XXXX XXXX XXXX XXXX is now called XXXX XXXX XXXX XXXX. My credit report shows XXXX XXXX XXXX XXXX account as a charge off even though it was discharged in my bankruptcy in 2009. A representative from XXXX XXXX XXXX XXXX told me they could not talk to me in regards to this matter. I would like to resolve this matter as it is impacting my credit negatively and have this debt removed from my credit report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Dealing with Ally financial is a definite run around combined with being lied to by supervisors and representatives. I 've been dealing with complications since last month spoke to XXXX different representatives that gave me different information when it came to bringing my account current and getting a deferment to keep my car from being repossessed. The first guy named XXXX said I was eligible and he was about to give me directive when his system froze and he told me to call back. The second lady said I had to make a full payment the third said set up an online payment and the fourth set up payments on her end and cancelled them when I made a payment over the phone. I was told to wait until XXXX and file for my 60 day extension. I 've spoken to XXXX people one being a supervisor this month. On XXXX I spoke with XXXX and she told me her manager was aware of my situation and was going to approve my extension just to go ahead and make the partial payment by XXXX so I call for the final amount and code to express it and I 'm told it was denied and I need to make a full payment and I was n't notified or called about it I would 've made my partial payment to wake up to no transportation. So I speak to two other reps today and they say my account is going into review for repo tomorrow and their notes do not show they told me the manager was going to approve my extension and it was denied due to a payment that was scheduled in XXXX that came back returned and they apologized because my representative I spoke with in XXXX should have told me to cancel the set up I was directed to make online once I made my payment over the phone. The frustrating piece of it is the lack of information, no one called to let me know what was going on, I was made a false promise over the phone that was n't noted in the file and that 's funny because the calls are recorded but no one can get to those to be held accountable and I 'm being told to call back tomorrow and speak to the initial representative. Ally is only interested in repossession not working with the customer when they have emergency situations. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am currently in XXXX and every time I try to access Wells Fargo Online I have to call the XXXX call centre and obtain an advance access code. 
Can you please register my travel plans to XXXX from XXXX XXXX XXXX to XXXX XXXX XXXX. 

Thank you XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My house was wrongfully sold in foreclosure during loan modification, I have received jgmt for amount usbank bought the house back for after erroneous foreclosure sales. Principal at time was {$70000.00} and did none of the credits from XXXX/XXXX/XXXX of {$3200.00}. For loan modification as stated in phone call XXXX/XXXX/XXXX XXXX XXXX with usbank and following calls with XXXX XXXX. And {$820.00} XXXX and {$4900.00} for XXXX modification. I have requested several times what {$21000.00} RCA fess itemized. It looks like they have added sale figures back to principal on modification papers for sales principal of {$92000.00}. Please go over figures and they have told me they added the past due onto the principal which is wrong figure. I started filing application for loan modification since XXXX. They have dragged their feet for 7 years due to farm loan and made the expenses what they are today. My husband lost his job and is why we fell behind on the note. My husband has since been XXXX and we are still going rough that process. 

Company response: Company chooses not to provide a public response
Consumer complaint: I would like to talk to someone about my lender, XXXX XXXX. Who has n't been answering my phone calls and gave me a false rate on my mortgage. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I bought a car and was financed through credit acceptance lender in XXXX in XXXX, NY. About 3 months after purchasing and making my payments on time, I was leaving from work and the vehicle did not start. When I called credit acceptance they told me I owed them {$100.00} but could not give me details as to why I owed, and told me that the car was disabled until u paid it. This was the beginning to my problems and I was paying {$450.00} for a XXXX XXXX. As time went on and I continued making my payments..there were times in which I did not get paid until 3-4 days after car payment was due, and my vehicle would be disabled and put into repossession mode in which they could pick the car up and charge me the fees it would cost for repo as well as the car payment. If this company is suppose to help build credit, why are they allowed to continue to charge fees at ridiculous rates to keep people or worsen their credit building process. Im so confused, because this should be illegal. Furthermore I have had my car repossessed, even when my car payment was made on time and the vehicle was n't even disabled! When I called credit acceptance with the repossession guy awaiting to see what was to happen, they said that the car was in repossession. So the guy took the car. I called back later that day after checking my bank statements and reviewed in fact that my payment was made, they told me it was a mistake on their behalf and went on to tell me that I was still responsible for the repo fees of {$250.00} in order to obtain my car back. This was it for me. I paid the {$250.00} and started looking for another vehicle and the following month did a volunary repossession. Now they have been trying to sue me for the difference of {$6000.00}. Retail price at purchase with the {$10000.00} interest rate was {$28000.00}. I drive the car for 3 years and paid off over {$16000.00} for a car worth {$10000.00} initially. I feel like something needs to be done because this company is ripping people off in somewhat a legal way, but faces itself as fraudulent. I just want them to call it even and stop jeopardizing my credit that I have been working so hard to clear up. 

Company response: Company chooses not to provide a public response