AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am disputing an unauthorized inquiry. 
XXXX Date Filed XXXX/XXXX/XXXX Type Sales Financing Company Phone Number BYMAILONLY Address XXXX XXXX XXXX I have contacted Experian, and XXXX by telephone. I have no documentation to show that I have contacted them and that they have received my phone calls. I have phone numbers and names of the people I have contacted. I original started my complaint when I noticed an inquiry of XXXX. I called experian about it and asked what it was because there only information is a PO BOX address. Experian reluctantly gave me a phone number to contact. XXXX XXXX XXXX ( XXXX XXXX answered ) I explained my situation of an unauthorized inquiry. XXXX XXXX then gave me the phone number to Applications within XXXX XXXX. I spoke with a women named XXXX she took my social security number and went through each company that they finance with and not a single institute had used my name or social security number to inquire for credit in all of existence. She filed the complaint with another department for which she would not give me a phone number to follow up on the process. I started this process XXXX XXXX, XXXX and this inquiry has negatively impacted my credit score since XXXX XXXX, XXXX as a hard inquiry. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I paid RGL Associares {$1800.00} on XXXX XXXX, 2015 in full a one time payment. After the payment was made they informed me my credit report would be update as paid in full well I ran my credit report in XXXX 2015 and it was still up there as a negative inquiry unpaid. I called them in XXXX asking why has n't my credit report been updated they tell me they will look into it and not to dispute it to the credit bureaus, another lady calls me back and tells me they sent the information to them saying it was paid and it is the credit bureaus fault for not updating it. I asked could they resend she says no and to just dispute it and then I ask for another paid in full letter for my records because I could n't find the first one. I never got another paid in full letter luckily I had a copy in my email and it still is n't showing updated. My problem is if you are going to report to the credit bureaus the negative information please report in a timely manner when the account is paid in full if not then do n't report to them. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have had a Bank of America Rewards Card since XXXX. I had over a {$3000.00} credit limit on it with a {$0.00} balance. I went to use the card at XXXX XXXX on XXXX XXXX, XXXX and it was declined. I called Bank of America Customer Service and the woman I spoke to ( the call was recorded ) said nothing was wrong with my card and it should not have been declined. I advised her that when I signed on to my online account it should the card in good standing with no balance ( Bank of America has since erased that information from my online account ). I advised the customer service rep I was going to be traveling to XXXX, XXXX and wanted to advise of my travel. The customer service rep said she had noted the travel notice on the card and I would have no further issues using the card. On XXXX XXXX, XXXX I left XXXX, XXXX for XXXX, XXXX. I pulled over to get gas and the card was declined again. Again, I called customer service at Bank of America and the lady noted that se could see that I had spoke to a customer service rep about tis same issue on XXXX XXXX but that the card has been closed! I advised her I never asked for the card to be closed nor did I get notice that it was being closed. I asked to speak with a supervisor and she too said the card was closed sometime in XXXX and that there was nothing they could do. I was not able to use the card at all on my son 's entire XXXX trip. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I attempted to obtain an annual credit report from Experian on line at www.annualcreditreport.com. After submitting the form, the submission was rejected with this error : 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 After getting this message, I backtracked to find the Annual Credit Report Request form. It displays as a PDFin the browser, but you ca n't fill it out there. You have to download it. I saved the file to my desktop, but instead of saving to a PDF format extension, the file is saved in a bizarre format - manualRequestForm.action. This file ca n't be loaded into a PDF browser. I renamed the file extension to PDF. 

My observation is that these steps all result in discouraging people from filing for a free report. The Web site provided no explanation as to why " A condition exists that prevents Experian from being able to accept your request at this time. '' It does n't say try again later. It just provides a mailing address. 

How many people just wo n't bother mailing in the request? Those who try may find it impossible to download the Annual Credit Report Request form. Then you have to wait three weeks or more to get a hard copy. 

In the time when businesses know everything about how users work with their Web sites, when organizations tune their sites to make them easy and frustration proof, this site seems to take the opposite approach and looks to discourage the very constituency it is charged with serving from getting the reports they are entitled to by law. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed an Item from the City of XXXX utility bill which states after the investigation that it is still vailid an has a date of XX/XX/XXXX which I vacted this property in XX/XX/XXXX and it was sold in XX/XX/XXXX yet 3 years later they say this bill was delinquent. I am sure I paid this bill but can not find my reciept but it is definitely older than 7 years old and I feel this is because of my XXXX name that XXXX is refusing to release this debt. this is why Im making a complaint. 

Company response: Company chooses not to provide a public response
Consumer complaint: I would like Chapter XXXX bankruptcy judgement removed on Transunion credit report and XXXX credit report.It has been passed seven years.Thank you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have disputed an incorrect collection that had been submitted against me from XXXX collection for 6 months now. I had disputed it as soon as it appeared on my credit report which I was alerted by Experian. I called Experian and submitted a dispute against this collection as well as the other XXXX XXXX and XXXX. I had submitted various disputes against that collection with Experian and XXXX and both came with results that the collection belonged to me. I was not challenging the fact whether or not it belonged to me I was challenging the fact that it was a Medical bill that had gone unpaid by XXXX. I explained to all XXXX bureaus that this bill pertained to a No-Fault accident that I was involved in. I was the passenger of the vehicle that was struck from behind. The vehicle I was in was insured with XXXX and the vehicle that struck us was insured with XXXX. My motor vehicle accident took place on the afternoon of XXXX XXXX, 2014. I had made my attorney aware of the bills and submitted it to them. I also made them aware that XXXX collection was contacting me and threatening that if I didnt pay I would be sent to collection. The Representative XXXX who works with XXXX collection was really rude and when I tried explaining my situation she hung up on me. My credit report shows no late payments, my credit history is mint and everything has always paid on time. This is what I have on my side and I explained to the credit agencies that if I were responsible for this bill I would have paid the {$200.00}. But I am not. This collection has stopped me from purchasing a home and has been damaging to me and my credit history. I have tried many times to contact the credit bureaus and with no resolution. XXXX has been the only one who removed and deleted this collection off my report. My attorney has also submitted a letter notifying the collection company to hold off collection due to the fact the case is still open and pending settlement. And they continue to notify no payment/ or delinquent on my credit report. My case is still in litigation and my attorney who is representing me is seeking to schedule an examination under oath so we can finally close this case. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Name ( XXXX XXXX XXXX ) and address of XXXX are not correct. Seems as if someone at that address might have tried to get credit card 

Company response: Company chooses not to provide a public response
Consumer complaint: collecter violated fdcpa .... he has called a few times leaving very intrusive and derigatory voicemails on my phone 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Today, XXXX/XXXX/2016, at about XXXX XXXX, I opened an account with TransUnion - mysmartmove.com - and used the service to evaluate a potential renter. shortly after completing the on-line process, I started getting a repeated automated email that has continued all afternoon and even now is sending to my email. I told the customer service people at the contact number, twice that I was getting unwanted repetitive emails and I sent them emails through their " contact us '' email. I just got XXXX more of these harassing emails. This is part of the email : From Subject Received Size Categories TransUnion SmartMove Recommendation ready for SmartMove Application # XXXX XXXX XXXX XXXX PLEASE. I do n't want these emails and I ca n't get anyone to stop them. XXXX XXXX - XXXXXXXXXXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a us bank credit card that I make monthly payments and do n't use a lot.I went to go buy a new phone and my card was declined, I promptly called them and my card is in bankruptcy i have NEVER filled for bankruptcy nor do I EVER plan to. when I contact the card company i spoke with the bankruptcy department and they looked into the case they got in contact with with the lawyer that had the case for bankruptcy that the card was being held under And he told them that the ssn # was wrong and he did n't understand why they were contacting him since I was not his client he said its a case of mistaken identity and sent over all his info on the case he was handling to them. The card company looked it over and agreed i was told it was going to be overturned they just needed a supervisor approval. I said fine it has been XXXX WEEKS and I have called multiple times and I keep getting the run around of his out to lunch, his in a meeting he is busy. My card is still in bankruptcy and I 'm still making payments on something I ca n't use they refuse to help me 

Company response: Company chooses not to provide a public response
Consumer complaint: My loan was sold to them this past month, and I 've been trying to get a hold of them to inquire steps and billing in order to make my first payment. It seems that they have been ignoring my calls, emails, etc. I want to think this company is honest but i 'm finding it hard to think they are. My accounts have been locked, and when I call I 've been on hold for over an hour. 

Company response: Company chooses not to provide a public response
Consumer complaint: Due to circumstance beyond my control I have been in default on a mortgage with US Bank since the Fall of 2012. Since this time I have been working earnestly with US Bank to find a solution which would allow me to stay in my home. I can afford a mortgage at a lower rate than I had previously, but all the bank will offer is a much higher rate with a 40 year term ( I will likely be dead at this point ). During this period I have also attempted to sell the home unsuccessfully either as a short sale, or for an amount that would satisfy the outstanding US Bank Debt. The process for resolving mortgage issues is laiden by a XXXX XXXX bureaucracy that is incomprehensible which, rather than providing affordable solutions to struggling home owners, forces them into greater debt for longer periods of time. Qualification for the HAMP program is also a puzzle - I initiated my loan prior to the cutoff date, but now am being denied consideration because I modified the loan after the cutoff date. Any banking official with a reasonable IQ can understand that it is in the bank 's interest to create a mortgage agreement on a 30 year term that I can afford ( I can afford {$2200.00} with taxes and insurance ), rather than force me into foreclosure and lose money on the house after it sits unmaintained and uninhabitated for a long period of time then sold on the auction block - yet I ca n't get a decision maker on the phone to see the logic in this. 

Company response: Company chooses not to provide a public response
Consumer complaint: The credit card company pricelinereward visa card issued a check in error on XXXX XXXX, XXXX for {$4800.00}, despite the account was closed on XXXX XXXX, XXXX. I called the company regarding the check and I was told this was a reward check and that I can deposit in into my account. They did n't give any other explanation of why I was receiving the check besides that it was my money so I deposited the check. On XXXX XXXX XXXX, I recieved a letter stating that the check was issued in error to my account and that I owe them {$4900.00} including interest of {$140.00}. So they are asking me to pay {$140.00} in interest. They waited 8 months from XXXX XXXX, XXXX, when they posted the check in my account, to inform me that they credited my account in error. I have already paid their {$4800.00} back and they insist that I still owe them {$140.00} for interest. To me this seems fradulent since they said it was my money and that I could deposit the check and they also waited 8 months to send me a letter stating it was an error on their part. I never recieved any statements prior to the one I recieved in XXXX XXXX stating that there was an outstanding balance in my closed account. Now they are insisting I pay interest on a {$4800.00} check and I refuse to pay the interest. Please help resolve this issue. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had applied for an unsecured credit card through XXXX XXXX Bank. XXXX XXXX used the credit reporting agency Experian to process the credit information. I was denied credit due to the following reasons. Bankruptcy and foreclosure. I did file for and receive a chapter XXXX bankruptcy in 2014. However i am disputing the reported " foreclosure ''. I have never had a foreclosure. I pulled my credit report from Experian as well as XXXX, and XXXX and could not find any entry about a foreclosure in any of those credit agencies reports. The only thing that I can suppose is that because my morgtage was included in chapter XXXX bankruptcy protection Experian assumes that I was foreclosed on. However that 's not the case. I am current on my mortgage payments, I am listed as owner on tittle and I still physically possess the property. There is a distinct legal definition to the term " foreclosure. To meet the legal definition at a minimum the following terms must exist. The property and tittle must be awarded to the creditor through judicial action. These terms not being met ... using the term " foreclosure '' is not applicable. A mortgage simply not being reaffirmed and included in chapter XXXX bankruptcy does not meet the legal definition of the term " foreclosure '' .Reporting that my I have a foreclosure on file is patently false. 

Company response: Company chooses not to provide a public response
Consumer complaint: I would like you to please looking into why my credit score dropped so far down when i had fair credit. Tran Union dropped my score from XXXX to XXXX that is a drop of XXXX points and XXXX dropped my score from XXXX to XXXX that is XXXX points. I sent them a letter in XX/XX/XXXX telling them i did not make all of those hard copies on my account 's. I have not heard anything back from them since i wrote to have those hard copies remove. All they have done is dropped my credit score. Please have them put it back my credit score should be. I seen the drop on XXXX. will you make sure they take the hard copies off and raise my score on XXXX again. Sincerely XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I ordered a pest removal service from terminix XX/XX/2015. The service I requested consisted of spraying the entire inside of the house, as well as removal of a beehive attached to the outside of the house. The problem is, the service was never provided. A representative of the company came and after seeing the beehive, he said he would be back later that evening, though he never returned. 
I called XXXX to find out what happened, and was told they saw it was not completed but would reschedule an appointment for the following weekend. i agreed, waited all day on the agreed upon day only to have nobody show up at all. I called the next day, and XXXX apologized for wasting my day waiting, and offered to schedule another date for their representative to come perform the services. They did n't show up to the rescheduled date either, nor did they show up for the next XXXX rescheduled appointments either. Each time I was apologized to but no explanation was given. After all of these missed appointments, and wasted time, I called another exterminator and he performed all of the services needed. 
i saw that XXXX charged my credit card and called to ask why they had done that if they never performed service. They apologized and assured me they would refund me and correct the error. they never did, so i called my credit card company and had the charge reversed. I started receiving bills from XXXX stating that i owed them a balance of {$270.00} ( for the service they never performed ). I again called them and was assured their mistake would be corrected and I should not worry. They never corrected the mistake, and instead sent it to a collection agency called NCI. After receiving the letter from XXXX claiming I owed a debt, I called XXXX and was told I would need to send them a letter in writing asking for proof of the debt, Which i did within thirty days of receiving their letter. Their proof was a work order from XXXX stating that they sprayed some chemicals outside the house, and in the area where I supposedly signed is a horizontal line. I was not there when they supposedly performed the service as I was receiving treatment for XXXX in XXXX. The signature is fraudulent. Besides that, the services I ordered were primarily for the interior of the house, which they clearly state was not done. ( I would not order the service of removal of a beehive for {$270.00}, which is a ridiculously high amount. My local exterminator quoted the same service for less than {$80.00}, and ended up performing the interior for a total of {$150.00} combined ). 
After receiving the alleged proof, I attempted many times to contact NCI by phone but was continuously hung up on by their phone system before being able to speak with anyone.. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: CMRE FINANCIAL SERVICES INC. I received the attached demand letter from CMRE for a debt I do not owe. 

Company response: Company chooses not to provide a public response
Consumer complaint: I never answered the call, but I 've recieved an automated message saying " We have an important message from a United Consumers. This is a call from a debt collector. Please call us back at XXXX XXXX XXXX or at XXXX XXXX XXXX. I do not pay any bills as I do not have my own house or any bills addressed to me, therefore I do not have any debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have made attempts to try and resolve debt through a settlement offer of approximately 65 % of the debt. No validation of debt has ever been provided to validate the debt. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I underwent a XXXX in XXXX 2015. The hospital in question accepted my initial condition and took care of me. However, I rejected additional XXXX, and against my will they billed me for services that were not rendered 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I transferred my cable service from XXXX address to another with XXXX XXXX XXXX in XXXX 2015. The sent my old account to a collection agency even though I still have service with them. I have contacted them every week since XXXX to correct the error. I also told the collection agency that I still have an account with XXXX XXXX. I 'm still receiving call and notices from the collection agency and have paid the old account off with XXXX XXXX. I reviewed my credit report and the collection agency is reporting this balance as a collection with their company. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Earlier this year, I contacted my bank and requested a RETURN and/or STOP PAYMENT on any payments presented that would cause an OVERDRAFT of my checking account. I was informed that the bank would return any payments presented that would cause my account to OVERDRAFT. On XXXX XXXX, 2015, FLAGSTAR bank attempted a " RETRY PYMT '' in the amount of {$18.00} against an available balance of {$1.00}. The bank subsequently presented another " RETRY PYMT '' in the amount of {$18.00}. As a result of this activity, my account which previously had a positive balance of {$1.00} was negative {$34.00} in bank fees. The items presented were NOT paid and returned. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian combined another person 's information on my cerdit report depsite obvious differences in the SS #, DOB, address, spouse, and employer. This other person has a bankruptcy, another mortgage and XXXX accounts that have been affected my credit score to detriment. Experian has agreed to remove the person 's infomration but will not offer me anything regarding free credit monitoring or compensation for the damage to my credit. 

Company response: Company chooses not to provide a public response