AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I contacted original creditor XXXX XXXX XXXX XXXX times in which they verified paid in full with a zero balance. They ca n't find me as a customer anymore when explained they said they would contact the collection agency and get it removed. They did n't Enhanced recovery then told me a month later they never received anything from XXXX XXXX. The XXXX call a gentleman gave me an authorization number XXXX showing paid may XXXX/XXXX/15 it 's now XXXX/XXXX/15 and they are still reporting delinquent. Account number with XXXX is XXXXContact info for XXXX which I have sent the statement from my checking showing I paid in full {$170.00} is XXXX FL XXXX. This is really hurting my credit which is why I paid it to begin with. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is reporting a Charge-off on account from a company called XXXX XXXX Acct # XXXX which is not mine and it has not been validated by the credit company despite my many attempts. Experian just keeps on verifying the account as mine and sometimes ignoring my request. Both companies Experian and XXXX XXXX are violating my rights under The FCRA and The Fair Debt Collection Practices Act that states that the claim be disputed and validated. 

I have filed a complaint with the XXXX but Experian just keeps on verifying the account without giving me proof. XXXX XXXX records do not agree they say the account was opened XX/XX/XXXX my credit report says XX/XX/XXXX. The fact is I never opened an account with them and I told Experian about the discrepancies but they ignored it. XXXX XXXX when asked through the XXXX to provide a signed agreement just said that the account was too old for them to have such document. 

I sent a letter to my Attorney General and their office replied that I should contact you and filed a complaint and that if you do n't do anything to quickly hire a consumer lawyer and file a lawsuit on Small Claims and another one on Federal court for both companies violation of both FCRA and FDCPA. 

I am a concern consumer, who like millions of Americans only concern is that Experian accurately reports our data and that respect our rights under The FCRA. XXXX and XXXX both deleted the account when asked for investigation it is Experian who often sides with the creditor without any prove or providing us the consumer with any findings. Is Experian being paid by creditors to report erroneous information on our reports? Does n't Experian has a moral job to report accurate information. It surely does not feel that way, many states and consumers have file lawsuits against this bureau. Please advocate on our behalf so that justice is executed so that we do not pay for Experian 's loyalty to creditors who falsely provide information to damage our credit worthiness. 

Company response: Company chooses not to provide a public response
Consumer complaint: Disputed 'Date of XXXX Delinquency ' regarding XXXX XXXX XXXX XXXX. Experian is reporting date as XX/XX/XXXX when the correct date should be XX/XX/XXXX ( last date current was XX/XX/XXXX ). Confirmed this information with rep at XXXX and despite providing contact information to this rep, Experian has returned the information as verified and just updated the tradeline to be designated as a charge off. 

I asked the rep for the method of verification, which she could not provide, she stated it was updated after my conversation with an agent on XXXX. I had not called prior to yesterday XXXX XXXX XXXX and my original dispute was in writing ( sent on XXXX, delivered on XXXX via XXXX XXXX ). She then changed her story and told me that they sent the letter to XXXX and came back with the same information. 

I explained to her that the same thing happened with another credit bureau and the only way I was able to get them to investigate properly was after filing a complaint with CFPB so I mentioned that I may have to do the same for Experian to ensure the investigation is conducted properly. I wo n't say she threatened me, but she definitely tried to scare me by telling me to do what I had to do but to be careful as sometimes after filing a complaint/re-investigation, things come back updated with a different date, which would delay the date that the tradeline is due to fall off my credit report. Her name was XXXX and she was on XXXX XXXX ' and I spoke to her on XX/XX/XXXX. 

I am attaching a copy of the letter that was sent to them for the dispute. All I want from them is to properly investigate and update my credit report with the correct information. 

Company response: Company chooses not to provide a public response
Consumer complaint: My problems with my lender are so compiled. In XXXX I refinanced with Countrywide and I set up an escrow impound account. In XXXX I received notice I was in Tax Default for taxes not paid XXXX. I called my lender ( Bank of America ) and the gentleman on the phone in the escrow dept. Informed me that they used my impounds to pay a different parcel and that had to increase my mortgage pmt by $ 200+ mo to make up for their error ( for the next 12 mos. ). My mortgage payment on my note is {$1700.00} the payment now incl. Impounds {$2300.00}. My taxes {$3900.00} yr. My insurance {$780.00} yr. So since XXXX My lender ( COUNTRYWIDE, BANK OF AMERICA, XXXX, XXXX AND XXXX MORE TRANSFER I CANT REMEMBER ) has been comp letely mishandling my impounds, they refuse to work or even talk to me. They are harassing me about forclosure because I told them that until this is straightened out I will not be throwing more money away. This is out of control. With all of the penalties, late charges, interest and so on my calculations on this piece alone ( there are several more problems ) appear that I am owed close to {$60000.00}. I have been ripped off. Misled and Im spoken to in an awful tone. I will not throw not XXXX cent more to these vicious thieves. They will not touch my property. THIS IS WAR!!!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently purchased a new vehicle through a local dealership in XXXX, VA. The dealer set me up with Suntrust as my lender ( I 'm not sure if this was based on the lowest rate, or that he was incented by Suntrust to push them - He claimed he got box seats to the Washington Nationals game from Suntrust and was going that weekend ). Once I was approved and my loan established, I registered online ( as I 'm an online / digitally engaged person ) so I could regularly pay my bill there. Suntrust does n't allow online payments outside of having an account with them - So I am now being forced to make a financial decision ( open a new account ) with Suntrust to pay them. I called and asked if I was going to have to pay by phone now and they advised that there is a {$15.00} charge to pay by phone. I was not disclosed any of this information when choosing Suntrust as a lender - If I had known they operated this way, I would have chosen a different lender ( even if the rate was higher ). It feels as though this borders ( or holistically lands in ) UDAAP territory as they did not clearly disclose this information to me in making my financial decision. 

Company response: Company chooses not to provide a public response
Consumer complaint: All joint accounts with EX-spouse were requested closed at Bank of America. We had to request and sign together at local branch in NH. The joint checking, savings and home equity account were closed. However, BoA says they left open a overdraft protection account associated with the joint checking account that was closed. I did not have an existing overdraft account to my knowledge. I had XXXX in XX/XX/XXXX but it was closed several year later by BoA for late payments. 

Two years later ex-spouse began drawing on overdraft protection account by accessing funds through ATM. Ex-Spouse did not make payments and BoA began collection activities from me. Local branch managers with BoA agreed with me that I was not responsible, but home office would not. I requested proof, my signature, anything showing me as joint owner on this account, and have received nothing. 

I have not had any bank account or credit card from BoA since XX/XX/XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX from XXXX debt collection agency called me XXXX month ago about a debt owe to XXXX XXXX. She told me they got the letter back which they send to my old address and asked for new address. She said they are going mail me the documents, but I never got the letter from them. Now they do n't want to send me any letters. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX sold off my collection to a third party, that third party gave out my information to someone else who picked up the phone. They admitted it, but then claimed that I was lying about it not being me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am a recent graduate of the University XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, FL. I applied for a Sallie Mae XXXX study loan in XXXX. I was approved with a cosigner. After approval, Sallie Mae needed my cosigner to electronically sign the note. My cosigner was unable to electronically sign due to an ongoing error with Sallie Mae 's website. We requested a paper copy of the paperwork be sent. Sallie Mae sent my cosigner documents which he signed and sent back. I was then informed by Sallie Mae that the paperwork they had sent was the wrong paperwork, and that they would need to send the proper forms. Despite informing me that the forms would be put in the mail multiple times since XXXX, nothing ever arrived to my cosigner. I call Sallie Mae on a daily basis and am shuffled around and transferred to multiple people, who seem unable to send out a simple form. It is now two months later and I am still waiting to obtain the funds from my loan. I am repeatedly promised that the problem is being handled, but no one has resolved this simple issue. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: making car the car was sold a letter was sent to the title loan company telling them the car going to auction off they never came to get it now they are calling me this loan was made harrssing XXXX XXXX XXXX XXXX XXXX XXXX lone star title loans XXXX XXXX XXXX also XXXX XXXX they call you about XXXX XXXX time per day 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX is charging for equipment which was picked up at the time of disconnection. The equipment was handed over to the technician. I have continuously disputed this on many occassions, yet they continue to report this debt. I have asked for the debt collection company to request proof, yet they do not send me anything. I am furious because they are allowed to report this debt, yet are not able to provide any proof as I have requested previously. I want to file a complaint against Enhanced Recovery company and XXXX as well. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I used XXXX XXXX Visa Debit card and they took the {$72.00} saying it was pending though it was declined to XXXX. They will not put the money back for eight days so I can not use it. 

Company response: Company chooses not to provide a public response
Consumer complaint: my boat trailer was stolen. I never received pink slip from old owner XXXX XXXX XXXX towed it. towing company hired credit bureau associate company to collect for storage fees old owner told credit company he sold it to me credit company changed his name to mine and never told towing company. towing company told me they sold the trailer and have no contract with collection company in my name. they say collection company changed old owners name to mine illegally. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I had a ck came in my acct for {$170.00} funds was low they paid it and charge me {$35.00} over draft fee, then XXXX foe {$9.00} came in when i already have an over draft they that and cause another {$35.00}. They paid a {$9.00} fee and charge {$35.00} which i think is a rip off because a few XXXX ago i had a ck for over {$100.00} came in, funds was not there that got return unpaid and charge me {$35.00}. also they charge me another {$35.00} because my acct was over for over XXXX days, i think thats double jeopardy. bk of Amer is the only bank that does that. i dont think the government should allow bank of America to continue to rip off consumers, also i was not aware that they would be an extra charge for being over draft fee after XXXX days. i contacted the bank and they refuse to reverse that exessive charges. Bank of America have been doing grave in justice to consumers for years, they have charges that no other Bank has. They need to be regulated. Please investigate. thanks 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX charged off an account in XXXX XXXX. They reported it as charged off again in XXXX XXXX and again in XXXX XXXX. The FICO credit scores treat this as a recent event instead of XXXX that happened 4 years ago. They claim it 's only noting the current status of the account but this is not how it 's considered by virtually all the various credit scores. It 's listed in account history and it 's false. It 's impossible on its face. A charge off occurs once. This is in retaliation of me requesting validation of the debt with Experian. A charge off is a XXXX time event. It does not happen over and over again. All of the charge off notations after the XXXX XXXX need to be removed from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: North Eastern Processing XXXX call with a recorded message saying they have made many attempts to contact me and this is their final attempt. They said they have XXXX counts filed against me and they are going to call the county clerk if I do n't call them within 48 hours. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was approved for a Citi Premier Card on XX/XX/2015. On XX/XX/2015, the public offer on the signup bonus went up to XXXX points if you spend {$3000.00} in 90 days and I asked the Citi social media team to match me to that offer, which they kindly did. I got a letter shortly thereafter via US postal mail dated XX/XX/2015 ( I have provided the letter as an attachment ) stating " Your account is enrlled in the promotional offer to receive XXXX, XXXX bonus ThankYou Point ( s ) as long as you spend {$3000.00} by XX/XX/2015. Since the offer is XXXX if you spend {$3000.00} in 90 days, this made sense because I opened the account on XX/XX/2015 and 90 days is XX/XX/2015, just as the letter states. However, I called in yesterday XX/XX/2015 and was told completely different terms. I spoke to XXXX, Account Manager, ID number XXXX and she told me completely different terms than the letter Citi provided. She stated since I was matched to the offer on XX/XX/2015, all purchases prior to then do n't count towards the minimum spend but that I have until XX/XX/2015. This contradicts the terms provided to me in the letter from Citi. These new terms that XXXX told me are not listed in the letter. 

Company response: Company chooses not to provide a public response
Consumer complaint: My case # XXXX would like an update from Wells Fargo Home Mortgage as to the progress of a solution. 
I only receive letters that state we ( WFHM ) are working on a solution. 
Thank you, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Company NAM continues to call my cell phone even though the debt is for the person who had my phone number prior to me. 

I have told them to stop calling and they continue to do so. When I call to tell them I am not the debtor, they hang up as quickly as possible to avoid having to remove my number. People are rude and threatening. Their Phone number is XXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Collection practices are unethical. Collection agency does not care about the client 's needs. I have tried countless times for Westlake Financial Services to Rectify my situation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We took our XXXX for an emergency but we had to transfer it an emergency hospital and paid the clinic in full. We learned at the hospital that they had lost the blood tests and mishandled the case and told the clinic we did not feel we should be charged. When we got the credit card bill we disputed it and received notification it was resolved in our favor ( see attached document for further details ). We heard nothing until months later we got a letter from a debt collector ( we have filed a claim with you against them already Case number : XXXX ). We called them explained the situation and sent them all the information with a request that they contact us if they needed any further information. Again we heard nothing until months later Identified us about an inquiry which turned out to be a negative report from the debt collector. We contacted Experian and disputed the report. We sent them a complete package of all of the documentation including the paid bill and credit card resolution. They simply sent an inquiry to the debt collector who said the account was valid and had not been paid without reviewing the documentation which showed the debt should never have been sent to the debt collector as the merchant did not respond to the credit card company 's inquiry about our dispute or send us anything once the case was resolved, and the debt collector did not do due diligence when the information was provided to them. We disputed their first finding and they simply repeated the same inquiry which we have now disputed again showing them a perfect credit history except for this XXXX " incident ''. We did the same process with the other XXXX credit reporting services XXXX of which deleted the report after finally reviewing the material. The attached documents have the original payment, the credit card company resolution information and a much more detailed explanation of everything which has transpired. We would appreciate your assistance in getting this negative report removed from our credit record. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a checking account at Citibank. When I wrote a check of {$1000.00} to XXXX XXXX for paying my rent ( for my wife, XXXX XXXX 's rent in XXXX ) on XX/XX/XXXX, somebody named XXXX XXXX, instead of XXXX XXXX, cashed the check to her own Citibank account by wiping out the recipient 's name ( XXXX XXXX ) and put her name on the check. Citibank did not look carefully for the payee authenticity and paid the money to that person ( XXXX XXXX ). 
I filed a clam to Citibank for {$1000.00} on XX/XX/XXXX. Citibank Representative in that office told me that the check was deposited in a Citibank account, i would be easy for them to find the theft since they videotaped every ATM transaction. They would open an investigation and pay me back in 3 months. But The denied my claim on XX/XX/XXXX using the reason that I did not report the case within 30 days from the incident happening. 
If the consumer put his money in that bank and the bank can not make sure that the written check is going to pay the person the account owner put on, there is no safety the bank can provide to the consumer. Citibank only allow 30 days to claim the loss from money theft. That time is too short and consumer can not find out what has happen in such a short time period. The unpaid rent to XXXX XXXX caused a lot of troubles to my whole family including the damage to my wife 's credit record and we are the innocent victims of the bank money stealing. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a savings & checking account with Bank of America and the checking accounts have been closed due to negative balances. I have been trying to make this right because I use my savings account for everything and they are constantly charge me fees. I was told by them that because this account is used so often that the FTC would make them convert my account to a checking account. I wanted a payment plan and was told someone would contact me but this has n't happened but the fees keep coming. I believe they are not helping me so they can continue to collect these fees and for all the fees I have paid they could have been applied the fees to the balance I owe the bank. Please advise me as to why I have to continue to pay fees when the bank has n't complied with setting me up on some type of payment plan to resolve this issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife and I moved from a set of apartments and when we left we paid a relenting fee which took care of us leaving our lease early. We stayed in that XXXX place for over two years and then about XXXX months after we done moved we started to get a collection notice saying we owed for carpet, painting and other misc. Problem with that is the manager did a walk through with my wife and said everything was good and even signed off on it. Out of no where they decided they would try charging us for basically a new apt . Problem is our original lease stated that after a year the carpets, paint and everything else that was normal wear and tear would n't be held against us. I 've tried to communicate with them and they are rude and began threatening. It has been almost XXXX years since we 've left and the collection agency reopened the case to start the process over again like we just left yesterday. The apartments owner was nothing but a XXXX, he refused to make needed repairs and rigged everything. Code compliance was called by us and many other residents and they would still not fix things. It took them XXXX months to repair their a/c system even after being fined. We were forced to move because they moved in a XXXX next door to us and we had a family. Even after numerous complaints and police visits they still refused to evict them because they paid cash for their rent. Crime there was another huge issue. I could go on and on with all the reasons why we had to leave but the point is they are wrongfully trying to collect a debt that is n't owed. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I just learned today from a XXXX XXXX XXXX XXXX that there is a XX/XX/XXXX law stating that credit card companies have to give you the option of freezing your account at the current interest rate before raising it. Wells Fargo did not do that for me in XX/XX/XXXX, instead just arbitrarily raising my rate from about 12 % to 30 %, where it has been since. Had they given me that option, I would have frozen the account and it would be paid off today as it has a limit of {$2500.00}. When I left a message for my banker about this, I got no response. 

I recently got fired because I XXXX in the work place and I can not pay my rent, let alone a credit card bill. I need help. The fee for the " non-profit '' counseling center Wells Fargo sent me to is higher each month than the 30 % interest! 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, I requested by phone, my free annual credit reports from all XXXX credit reporting agencies. It was indicated that it would take fifteen ( 15 ) days to receive my reports. As of today, I have only received XXXX ( XXXX ) report, which is from Experian. 

Company response: Company chooses not to provide a public response