AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: An unknown party attempted to defraud by spending around {$500.00} on goods. That vendor contacted me, confirming I had not placed the order. NETSpend had the funds designated as Pending. After demanding a XXXX way call with the vendor and netspend and me, netspend demanded an email confirming extensive information, which the vendor sent that moment. Netspend has still not credited me for the funds. AND then I got an email from Netspend saying my account was on HOLD and I needed to contact them and order a new card. My funds would be held up for a long time ... they would not allow me access to the funds, insisting that the hold could not be removed. This is my social security money they are holding on to. Reference XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I been Disputing to Experian the following Inaccurate, Obsolete and Outdated Information on this accounts:1.XXXX # XXXX.XXXX # XXXX.XXXX # XXXXFor the pass year. Please investigate Under CFPB Rules and Under F.C.R.A ( 15 U.S.C Secretary 168i ) and Corret the Erroneous marks on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: On my credit report there is over XXXX inquiries on my credit report under the category of historical data that experian refuse to remove from my credit report even after notifiying them of identity theft and have multiple fraud alters on my profile that i placed there myself to protect myself against fraud and this include the past XXXX addresses that i have lived at over the past XXXX years so should someone steal my identity agains like they did when i notified XXXX XXXX and they closed the card and the account before any charges was made to delete the address for the past 5 years to protect my identity and they said that they could not but i have had other fraud issues because of this and they said that they cant remove this which is bull because they are favoring in favoritism the service bureau members which is wrong under their policy for records retention policies for publishing information public ally that no one needs to know but it benefiting them to sell it to their members when i am doing my best to protect myself from fraud that malicious they only need the past 5 years not since where i was born. all someone needs to do is get my social and start all over again and they can start the fraud again and i want to prevent this. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX I Contacted a rep on Bank of American regarding a hold on XXXX bank accounts I have with Bank of America. I and my attorney, XXXX XXXX of XXXX XXXX XXXX requested a copy of the Levy, but the Legal Department Representative would not give us a name, phone number of any documentation verifying the validity of this Levy. I told the company Rep that the Personal Bank Account they levied is a bank account that deposited XXXX Income for myself, and the Levy was listed against my XXXX business. The bank Rep refused to let me speak to the Legal Department. I spoke the Rep and stated that this was XXXX XXXX protected form a LEVY. Bank of America is also charging my overdraft fees on this account. 

Company response: Company chooses not to provide a public response
Consumer complaint: Debt from CitiFinancial XXXX now One Main Financial ) that was Canceled and discharged by them because of their reorganization is listed incorrectly on my credit reports as a Charge off seriously affecting my credit and my score We had a balance of around {$4500.00} when all the Citifinancials closed around us. They stopped sending statements nor made any attempt to collect this loan and we had no idea even where to contact them, For years they made no contact of collection attempts and then in 2014 canceled the debt ... Now they are listing it as a charge off. We were willing to pay its THEIR fault as they stopped sending us statements nor made any attempt to collect this loan when they collapsed. I have tried to resolve this by filing complaints about the credit reporting companies. They all say they have verified the debt. On my contact to the former citifinancil I was run around to XXXX different people who hung up on my twice and could not even find the account. I made repeated request to talk to a supervisor but was just passed on to another person or just hung up on 

Company response: Company chooses not to provide a public response
Consumer complaint: ProCollect keeps calling me and has reported me to credit reporting agency for a debt I do not owe. They can not produce an original bill and the company they say I owe does not exist. 

Company response: Company chooses not to provide a public response
Consumer complaint: I tried many times to determine why I could not pay the IRS with my Citibank online BillPay. I finally received the attached letter, dated XXXX/XXXX/2015, from Citibank. XXXX XXXX states " this service is no longer available for the IRS, as we have encountered servicing issues with them. " I am totally OUTRAGED at this response from Citibank! 

I had to make XXXX separate inquiries to Citibank in order to finally learn that Citibank does not pay the IRS with their online BillPay services. 

Why did n't Citibank say this in the first place? 

Why did I have to drag this information out of them? 

Can Citibank be any more UNCLEAR in communicating with their preferred clients? 

Does Citibank really believe this is acceptable customer service? 

I expect Citibank to respond to this complaint with answers to the above ( XXXX ) questions. 

Company response: Company chooses not to provide a public response
Consumer complaint: bank of america continues request i pay my debt of my credit card i have been scammed and lost tremendous amount of money while having acount at bank of america unable to pay my debt due to the scam i was involved in need help assistance resolving issue matter of debt and scam. 

Company response: Company chooses not to provide a public response
Consumer complaint: We were told by XXXX XXXX XXXX that our service would be credited for the month prior to our move and cancellation, But instead I did n't owe a dime and now I was sent to a collection company for a service not recvd. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Barclay 's bank issued a new XXXX XXXX XXXX card to me in 2015 that I did not request and then sent it to the wrong address along with subsequent statements and eventual termination notice. I live at XXXX XXXX XXXX but the account was associated with my name at XXXX XXXX XXXX By the time I learned of the issue the account had already been closed for nonpayment. The representative I spoke to on the phone told me that nobody I could speak with on the phone could reverse the negative impact on my credit report once an account had been closed. The agent also confirmed for me that no purchases had been made on the card but that I had been assessed an annual fee that then accumulated interest + late fees and eventual closure of the account. I obviously can not be expected to respond to correspondence that is not sent to my correct address, let alone pay an annual fee for a credit card that I did not request or use. 

Company response: Company chooses not to provide a public response
Consumer complaint: the collection agency is GLA collections, i was contact by GLA collection agency about a medical debt what i owed the XXXX hospital, when i called the hospital i was told that i do n't owed them anything.i do remember that i went to a hospital and the bill was paid by a XXXX because i was unemployed and i was gave a form to file out for the debt to be taking care off. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX of 2012 I opened a bank account with US Bank and put a small amount of money. I did n't pay much attention to the account because I had n't even put any direct deposit to it or anything. Then must have been almost a month later that I finally got notice that the account had NSF a check was processed through on XXXX XXXX for XXXX. It was processed like a paper check. First off I did n't have paper checks attached to this account. Also the day the check was written and processed I was having a XXXX. I definitely not out writing checks I do n't have. Anyways the XXXX and continuing health problems were a big distraction. I started the dispute process but did not complete the fraud packet because of this. Then I was blessed to get pregnant again soon after but am a XXXX so my health and that of my baby became a priority. The next XXXX I decided to purchase a new car. We wanted to get a loan with a credit union to get a better interest rate. We applied for an account at one because you had to be a member to get a car loan. This is when the bad account came back up. We contacted US Bank and they quickly offered to open up a new fraud claim. This is where my problem 's began. We put our car buying on hold so that we could dispute the account and then go through the credit union. US Bank opened a new fraud case on my account without bothering to tell me it was beyond the allowed time frame to dispute. They allowed me to go through the motions of filing the dispute knowing it would be turned down because it was old. During the time my dispute was being processed and I was waiting for a response for the fraud investigation my old car broke down and I ended up having to pay for repairs on a car that would have been replaced already had I not been waiting for us bank. Also when they finally did get back with me and denied my dispute they sent me a letter with my first claim number on there saying that case was denied. I contacted them back requesting a letter saying the new case they opened was denied but they never provided that. So we went ahead and purchased a new vehicle but we 're limited to places that would allow in house financing. Because of being unable to get a bank financing cause of check systems. So instead got stuck with a short term loan with disgusting interest rate. All around it cost my family a lot of money over a bad XXXX that I did n't write. Stupid customer service representative when I called about my dispute being denied, I asked what I was supposed to do now. Pay something I do n't owe and was just told sorry ma'am. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX foreclosed on our house XXXX XXXX. First delinquency was XXXX XXXX. It 's been almost eight years since then. All three credit reporting agencies refuses to delete the item from our credit report despite many many disputes over the years. Most recently Experian reports that the date of " last activity '' is correct even though we repeatedly requested they investigate the date of first delinquency. XXXX is unreachable. It bankrupted in XXXX and the phone number Experian gives us does not provide any way to access anyone. Below is a copy of the document we sent which includes information we have sent multiple times to Experian 

Company response: Company chooses not to provide a public response
Consumer complaint: Constantly receiving " robo calls '' from Penn Credit Corp. I do not know what call is about. there phone number is XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX is showing I have a late payment on my reports but I was n't late and I have a letter in hand showing that. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent a dispute to Experian concerning several items that were inaccurate on my credit file. These accounts were disputed directly with those Companies and said to no no longer exist with those various offices. I demanded a investigation provided the proper information needed and nothing was done. This was the third effort to resolve these validation issues. XXXX # XXXX XXXX # XXXXOHIO DEPT OF HUMAN SERICES XXXXXXXX # XXXXI sent the same complaint to XXXX and XXXX as well with no response back 

Company response: Company chooses not to provide a public response
Consumer complaint: I took out a car loan of {$5000.00} from Wells Fargo XX/XX/XXXX. I have made monthly payments, including a {$3500.00} payment XX/XX/XXXX, towards the balance due under the loan agreement. I am disputing the application of my payments to unaccrued interest instead of principal. The amount that should have been applied to principal instead of interest over the past year is {$86.00}. I have called the Bank, I have gone into the Bank and talked with a loan officer, and I have written XXXX letters. The last letter I sent was on XX/XX/XXXX and I have received no response nor have they corrected the error. Is this the type of matter the BCFP can help me with? I am on Social Security XXXX and only make {$20000.00} a year, so this is a big deal for me while I 'm sure it is an insignificant one for the Bank. 

Company response: Company chooses not to provide a public response
Consumer complaint: This date was liquidated in 2010 by XXXX, but is being reported by Ditech/Greentree on my XXXX report. They were reporting on XXXX until I complained to the FTC. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: After telling them I owed other agencies mainly the State of Washington money and that they would have to wait. They continued to call me at least once if not three times a day looking to set up payments. All while denying that I had talked with anyone about my situation. They continually harass my family members and some how found out my new work number in a different city across the state and has started to contact me here putting my job in jepordy and tarnishing my professional reputation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Citibank sent the cosigner, my mother, a letter demanding full payment of my private Citiassist loan which startled her almost to a state of shock. They claimed after repeated requests I 've failed to make required payment on the loans. Citibank claims the loan charges off after 120 days. I have a past due balance of less than XXXX and paid them a monthly payment less than thirty days prior. When I called and asked why only my cosigner received this letter, the flustered correspondent sent me to an escalation specialist ( # XXXX ) who refused to explain anything and literally only asked when I would like to make a payment for the full due balance and never answered for their dishonest attempt to shake down my mother behind my back. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX 2015, Good Morning Attorney General, My name is XXXX XXXX XXXX, I am a senior Citizen, on XXXX! XXXX 2015 i gave written notice to the Management of the XXXX of my intention to terminate my lease at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
I was advised that there would be a early termination fee and i gladly accepted to pay it. 
Once i moved out, i verified that they indeed had my forwarding address, they advised me that i would receive a bill in the next few weeks. 
Yesterday i received a phone call from a collection agency named IQ DATA INTERNATIONAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX, they claim they own the debt forwarded by the XXXX apartment homes. 
I never received the bill, they forwarded the balance due to the collection agency directlly without giving me the opportunity to pay it. Furthermore the collection agency refuses to send me a DEBT Validation per FDCPA, XXXX the collector claimed she dose not have to send XXXX to me. 

Can you please help me resolve this issue? 

Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXCA XXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I had a fire in my home on XXXX XXXX, 2013 and boy this has been a nightmare for me. The insurance company ( XXXX XXXX ). It appears that these XXXX companies XXXX XXXX and Wells Fargo ) where working together without informing me with everything that was going on. I should have been informed by both companies on exactly what they were doing but I was n't informed until after the fact. XXXX XXXX sent a check to Wells Fargo without informing me of the amount of the check and XXXX XXXX did n't inform me that they had settled on amount in XXXX before sending it out a check in XXXX on the claim. The claim amount was paid with figures on a pay-off quote of what it would be on XXXX XXXX, 2013. This disturbs me because no discussion of the amount was ever discuss. Wells Fargo should have informed us they received this instead of us figuring this out almost four months later. Wells Fargo now is holding the check and also wants to foreclose on my house. These mega banks have to much power to where the little man has no way of surviving in this world. I hope I do n't become homeless because of how these two companies cheat the consumer out of the American Dream. They need to be stop. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a demand for payment from a collection agency named Monterey Collections and sent them a notice that I did not want to work with them by sending them a certified letter notifing them that under provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, that their services were no longer desired. 

I informed them in my certified letter to them that failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the California Attorney General 's office. I also told them that I will pursue all criminal and civil claims against them and their company for refusal to adhere to this request. 

I am filing this complaint to follow through with my stated action I would take against them for violating this law. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: On XXXX I went into my local XXXX Bank of America Branch because of a Levy on my account. I was given a phone number to call. I contacted the Rep at the bank who would not provide anything but a phone number to call and a reference number. The Levy was initiated in New York against my business. The Legal Department would not communicate with me or my Attorney, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. I specifically inserted compliance with the Rep. XXXX XXXX XXXX of XXXX Law in New York. The bank refused me access to {$2600.00} and began charging insufficient bank charges. The Bank allowed Levy of a personal account that is for my husbands Workman 's Comp, XXXX XXXX Check in the amount of XXXX, as well as the personal account had less then XXXX in it at the time. This is above the legal limit to freeze and account in the State of New York. 
All bank charges, including XXXX on {$100.00} Legal Order and charges for returned checks have not been returned. As of XXXX XXXX, I have not received any writtten documentation from the bank or the exempt form required by law, neither has my attorney received these documents. I have also referred this to the New York State Banking Department. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been attempting to settle a charge with XXXX XXXX XXXX for over a year now. I do not have the collector info. This was a workman 's comp case and the insurance company info has been provided many times both through the company I work for and the insurance company. I do not know if any attempt was make to contact the insurance company, but the charges will be paid completely by them. I would like to have this open charge removed from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: It recently came to my attention that last year I was placed XXXX by Bank of America. At the time last year there was a check deposited into my account by XXXX XXXX XXXX. I do not know these people and have never had any contact with them. I have never received any checks or any other form of currency from them. They committed fraud at my expense. Bank of America told me at the time of the deposit that they were force closing my account and I would be banned from ever doing business with Bank of America again. They did not tell me I was being sent XXXX. I was in shock having been a valued customer with no problems since the 1980 's, Having just lost my husband and being under a Dr 's care XXXX it did not occur to me to go to the police nor was it suggested by the bank personell. Last month when I went to try to open an account to start a business is when I was informed XXXX and told I will remain there for 7 years. I in the meantime already had an existing account at another bank is another reason I did n't know about XXXX. I have contacted Bank of America asking them to remove my name XXXX and am still waiting a response from the bank. The only thing they have told me so far is that I waited too long to dispute it, but had I known the full extent of being sent XXXX I would have done it immediately. I would appreciate any help you can give me in this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America. I was told that when my home equity loan was paid in full it would be reported that there was no late payments. The 3 month payments that were reported as late was the time Bank of America took to mark my account PAID IN FULL. This should be removed from my credit report. The second Bank Of America is my loan modification in which I was making payments to Bank of America on a trial modification. Bank of America waas to remove from my credit report these lateness reports. I would also like this removed from my credit report. The XXXX report that is wrong is XXXX, this was reported wrong as being late. I cosigned a student loan and my step son is still going to school and the payment was suspended untill he graduates. They reported the XXXX payment in arrears even though I paid them on the phone.I never received a notice from XXXX about this lateness. I also need this report removed from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: This debt is not mine.. I do not have any recollection of this debt nor have I ordered from these people this needs to be deleted immediately. 

Company response: Company chooses not to provide a public response