AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on TRANSUNION credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XX/XX/XXXX on TRANSUNION credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX my identity was stolen and used to open XXXX different in store credit cards in a different state then where I live. XXXX of which was with Macy 's. When I became aware of the identity theft I took appropriate actions to have all of the accounts reported and closed as fraudulent. Macy 's is the only XXXX of the XXXX that is still an issue. Since XX/XX/XXXX I have filed a police report and supplied statement of fraud to Macy 's. I am still receiving credit card statements from Macy 's and have called them on numerous occasions trying to resolve this. The statement of fraud was sent on XXXX XXXX via fax and I received a letter from Macy 's dated XXXX XXXX that the claim would be resolved within 60 days. Since then I have received XXXX statements and a collections notice on the account. When I call customer service at Macy 's the first operator always tells me to just pay the bill. I did not open the account nor gain anything from the items that were purchased on the account. I do not owe anything to Macy 's. I received another credit card statement last week and called Macy 's today ( XX/XX/XXXX ) to try to resolve the issue again. Again the first operator told me that I had to pay the account. I spoke to the fraud department that had no record of my issues with this fraudulent account. I was directed to the recovery department which told me they could do nothing because the account was open. I closed the account back in XX/XX/XXXX but since then Macy 's reopened it without me knowing or notifying me. The recovery department referred me back to the fraud department. I called the fraud department back where I was made aware that the account was still open. They said that the 'system ' changed sometime and that nothing was showing on my account about the fraud and my submission of the settlement of fraud. I spoke to at least XXXX people today who were constantly pointing fingers at another department. I am still floored that an operator would tell me that I have to pay it AND that Macy 's sent the account to collections before it was even 30 days due. As of now the issue is still not resolved. 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit report was provided to XXXX XXXX XXXX without my approval. I 've asked the dealership several times to reverse the hard inquiry without success. I need the inquiry removed immediately! 

Company response: Company chooses not to provide a public response
Consumer complaint: It was on Thursday XX/XX/2015. Car Finance, our auto loan company, called our home at XXXX, just as we were going to sleep. This was very aggravating and disturbing.I had already advised them it would probably be two weeks before I could make my next payment, I resent this kind of harassment at such a late hour! 

Company response: Company chooses not to provide a public response
Consumer complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XX/XX/XXXX on TRANSUNION credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on TRANSUNION credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section XX/XX/XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX I lost my job and so did my husband. We were both making payments towards the house with no problems. As a result in my job loss my husband was the only provider and it became stressful and financially we were unable to make payments on our mortgage. I contacted the mortgage which was XXXX through XXXX XXXX XXXX. They tried to modify our loan and help us make lower payments. Then we got our result back and it was still high and we could n't make payments. By the time we tried again to modify, my husband lost his job due to the company going out of business and we were left in a bad position. So I contacted the bank and asked to put the house on the market and that did not go well. Did n't sell, then we went through a process of short-sale, deed-in-lieu and then I voluntary gave up the house and we moved out XX/XX/XXXX. We were given the run around by the bank every time we tried to get out of the house and the bank kept changing ownership through this order : XXXX, XXXX XXXX XXXX, Green Tree and now Ditech. Every time we get a process started we have to start over with another company. It has become very frustrating. We do n't live in the house because my husband joined the XXXX XXXX XX/XX/XXXX and we live in California and are unable to make any payments on this house. We have been trying all these years to get the house out of our debt and always hit a stand still in our efforts. We ca n't afford it and want something done. Please help us get the mortgage company moving on a outcome. We are no longer interested in keeping the home. Please fix the issue! We are very unhappy with the banks effort to help us! My husband wants to XXXX within the XXXX and because of the house our credit is a huge issue. He ca n't have high security clearance because of the mortgage being a huge debt. We need to get the house off our credit so that we can pay off the small debt we have to establish a clean and well standing credit score. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My wife and I took a conventional interest-only 5-year ARM mortgage from Countrywide Financial which was later acquired by Bank of America on XX/XX/XXXX. Countrywide 's mortgage system has a serious system glitch. When I make principle payments more than once a month, their mortgage system consistently miscalculates interest as it ignores the principal payment. They promised to hold off interest accrual until they have fixed this system error. However, instead of resolving this error, Bank of America sold my mortgage to XXXX. Unfortunately, this issue has never been resolved. Nevertheless, we paid the full principle balance on XX/XX/XXXX. We just learned that the dispute with BofA significantly damaged our credit scores. 
Can you ask Bank of America to repair my credit score? 

Company response: Company chooses not to provide a public response
Consumer complaint: My Complaint is against Citibank. I am an XXXX ( XXXX ) from XXXX, where I usually live. I keep travelling all the time, to various ( around XXXX ) Countries, giving XXXX. During XXXX such trip to the US during XXXX, I opened a Checking .Account and Savings Account with about {$500.00} and {$1400.00} respectively, with Citibank in XXXX XXXX ( XXXX XXXX XXXX ) XXXX. I was told, it is a FREE Checking Account and there were no charges, whatsoever. I did not operate these accounts for about the last 7 Years or so. 
During my current visit to the US, I was shocked to see that my accounts were almost wiped out clean, but for the {$200.00} remaining, which I hastened to withdraw. I got furious and took up the matter with the Branch Officials. But they say that they transferred all this money from my Savings to Checking, as some Bank Charges. Surprisingly, I never got any notices in this connection. Besides, my account online banking Log in was XXXX after about an year or so of opening the account. Further, since the Accounts have been in a dormant and non - operative condition, they should have kept them in a separate portfolio, as Banks in my Country and various other Countries I travel to, are known to do. Instead of doing any of these standard Banking practices, Citibank chose to conveniently siphon off the funds from my accounts, which is very shocking to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section XX/XX/XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage company tried to look me out of my house today. I live in a XXXX gated security building so they called me to ask if I want them to come in. I said so no she said they were here to change the locks. I called to ask them what they where up to. They said they tried to do it on XX/XX/XXXX too! I am less than 45 days behind have been in my place for 10 years. They sent me no notice no anything! I payed my mortgage on Tuesday and they did this after I contacted the attorney general about other shady practices. They are retaliating against me. What can I do about this? 

Company response: Company chooses not to provide a public response
Consumer complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section XX/XX/XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX & XXXX XXXX XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX & XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: For over a year now I have been trying to get a refinance with Wells Fargo Home mortgage. Needless to say they played games with me. I got the State of Maine involved, and they are playing games with my representative. They do things like say they do n't have phone numbers, and both times they transposed the area code XXXX instead of XXXX saying that is why they did n't return calls. I can understand it happening to one of us but not both of us, separately? They send us forms, we fill them out and then 2 months later they say it is the wrong form, when its the form they sent us and there is no difference but the date at the bottom. It needs to be filled out again. They recently have raised my payment by {$3.00} and did n't tell me. I think they are supposed to send me a letter with the change I still dont know why. They held it and did n't apply it to the loan, this affects my credit adversely. They transposed my social security number on my loan causing more issues. I fax them paperwork and they lose it. My proponent from the State of Maine is very disgusted with them and has great notes. He has filed another complaint with another organization on my behalf. Its really bad. Currently I am employed by a private college, they have their way of doing things. the YTD earnings is not on my paystub. Wells fargo is being very difficult regarding this. I am NOT going to be able to change the entire university 's pay system to accommodate Wells fargo. I did get the the information in another document and I provided the phone number to the accounting department. Numerously I have submitted paperwork, and they come back wanting paperwork to prove the same thing I just sent them. For example, they asked me for a letter stating that I live on the property, I wrote the letter dated and signed it. I will bet they will reply saying they want more information on this in order to stall. The will only take submissions via Fax, EVERYTHING is very difficult. I get very emotional because this is my home I have raised my children in and where my husband died. They know I have equity and they want me to lose it so they get my equity. This complaint is for a refinance, handling of my payments and hardship refinance. this is the most frustrating process I have ever been through. I am XXXX my husband was in the XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: never opened an account which was indicated on report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America fraudulently accepted a mortgage loan on false identity, false income earnings and information, accepted information of identity theft of deceased person ( XXXX/XXXX/2002 ) -accepting falsified IRS documents of my taxes of an employment of the company that produced the loan when in fact I never worked there. Bank of America has accepted a loan that should of never been processed because all of financial information was bogus, fraud, identity theft - the mortgage brokers were XXXX and were XXXX while doing the loan ... the loan was for {$160000.00} on a house that was not even my home and converted the home as identity theft from my deceased mother as we have the same names. The mortgage broke transferred the title and deed of the home without my knowledge or permission and attempted to transfer the title assuming this had been done during her estate upon her death. 
Bank of America has not acknowledged their mistakes and my lawyer & I discovery papers that have verified that facts remain true to this travesty of errors. 

Company response: Company chooses not to provide a public response
Consumer complaint: The Macy 's payments website did not process my payment 

Company response: Company chooses not to provide a public response
Consumer complaint: continued calls from XXXX XXXX financial seeking a person that does not live here, i called back 4 times to ask that my phone number be removed from caller list they said it would be removed but it has not and i keep getting calls. the calls are on my caller id and phone bills. please make them stop. thank you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Our loan got sent to the foreclosure department even though we tried to work with Wells Fargo so this didnt happen. When we were 4 months behind, we were told we could pay a minimum of XXXX payments. When we called back to make the XXXX payments, we were denied based on incorrect information given by XXXX department within Wells Fargo. This amount was XXXX. We were then told we had to pay the entire delinquent balance, roughly XXXX. I inquired if I could use XXXX accounts to pay and again was told we were allowed. I called XXXX to pay this amount and again, was denied. XXXX/XXXX/15 we were sent to the foreclosure department and now have to pay an additional amount of almost XXXX in attorney fees. We do not understand how this is justified. We did what we were told to do each time but it was always wrong and shrugged off as our fault. We are not the only loan they do this with and it is not fair to homeowners! No wonder there are so many vacant, foreclosed homes! We want reimbursed for these attorney fees that were completely unnecessary! 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an address I have never lived at.. The address is XXXX XXXX XXXX XXXX XXXX, ok. XXXX I do n't even know how it got there.. Would like it removed please.. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company