AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: , Since late XXXX, I was trying to resolve my AT & T Universal credit card issues and every day I am getting different road blocks to resolve my credit card issue that caused me financial injury, stress and time, per Citibank XXXX request on XXXX/XXXX/XXXX, XXXX XXXX asked me to write letter to XXXX XXXX at Office of President of Citi XXXX, just on XXXX/XXXX/XXXX I faxed to XXXX a letter and explained my issue to XXXX I thought the nightmare is over, because on XXXX/XXXX/XXXX after speaking with XXXX XXXX ( maybe wrong spelling ) advise me that in few days my balance will be XXXX ( XXXX ) and it will reported to all credit bureaus, but when I checked status on XXXX/XXXX/XXXX no please write letter to XXXX XXXX at Office of President of Citi XXXX since late XXXX, after reviewing my monthly statements that was send on XXXX XXXX by XXXX XXXX and again on XXXX XXXX by XXXX XXXX XXXX at XXXX ( only person that it seems doing something about ) that she reduced the amount and now asking me to fax her a list of creditors in my bankruptcy, since opening the credit card account XXXX, never been late and credit limit was {$20000.00} after paying off on XXXX Citibank reduce it to {$500.00}, if I wanted to not pay it I should down it that time I am Citibank Gold account holder since XXXX and I have excellent record, the balance on the AT & T credit card is incorrect from early XXXX to XXXX XXXX my personal data was hacked while I was with XXXX XXXX, among others credit cards ( few credit card with XXXX XXXX XXXX, XXXX XXXX and other bank Institutes since the amount was big the banks and I settled but with AT & T credit card amount were low and I AND MY WIFE HAD THE CREDIT CARDS AT OUR POSSESSION but it seems they made XXXX same and my mission was at XXXX XXXX I thought my wife was using it while I was making monthly payment until my bankruptcy on XXXX then my attorney XXXX XXXX included it in the bankruptcy till that point I never was late, in good standing and the balance was {$410.00} and XXXX XXXX XXXX in her letter stating that and she also subtracted fraudulent charge around {$96.00} and at present time she is reviewing the creditor bankruptcy list that why Citibank continue to charge fees and interest credit card and other after BK, if Citibank knew about the bankruptcy that is violation of Bankruptcy rules and regulation to charge any interest and fees, is almost 2 years now to resolve this issue I did sent numerous letters, phone calls, faxes and other requested documents filled with CFPB and disputed the charges with credit bureaus and solution yet under FCRA, Citibank has 30 to 90 days to resolve, I hope with these violations FTC and CFPB must audit or whatever maybe penalized Citibank and for not resolving my credit cards issue that caused financial injury, stress and time how long I have to wait, I hope she response and make mutual decision as soon as possible and remove it from my credit report. 
XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America abruptly closed my account and kept my funds.I woke up XXXX XXXX XXXX 2015 only to find out my online banking access was disabled.I then traved to my nearest Atm to try to withdraw my funds only to find that my card has been blocked. I tried calling but all i got was scripted message from the CSR with no real explanation. These are terrible business practices and down right discriminatory. 

Company response: Company chooses not to provide a public response
Consumer complaint: Back in XXXX 2015 I mailed my request to have my consumer report sent to me so that I can go over the information. I receive the consumer report and noticed there were alot of inaccurate information being reported and this could harm me for employment, financially and negatively in every aspect. On the report they have crimicl information for Texas so I contacted the XXXX XXXX Police department and received a letter from them saying those charges were dismissed because I was n't in Texas. There are several other charges on there associated with addresses that I have disputed because of ID Fraud those items also needs to be removed, They have a judgement that is n't mine that also should be removed. On top of inquiries that I did n't authorize that should be deleted. Safe Rent also have my parents address on my report as mine and this information should not have been included at all. There are XXXX dismissed eviction filings that needs to be removed as well 

Company response: Company chooses not to provide a public response
Consumer complaint: In complaint XXXX, Green Tree responded that " As a customer courtesy, Green Tree is updating your account to report as current with the credit reporting agencies for the first 90 days of your account transferring to Green Tree from your prior servicer. '' They have not done so - XX/XX/XXXX and XX/XX/XXXX are still showing as " not reported '' at the major credit bureaus. 

As stated in that complaint, non-reporting creates a RICO-violating " racket '' by which customers are forced to patronize Green Tree Services without their consent. This is a criminal offense, and I would also like some advice from the CFPB in how to pursue pressing charges. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: XXXX address on my credit report does not belong to me 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted them to work on a resolution, and at that time advised them the only number to reach me at was my personal number, which they had, and asked them to remove a XXXX party 's phone number, which they verified was removed. The following day they called that same number they said they would n't.. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Waiting for each agent to respone to my complaintXXXX experian XXXX keep reporting outdated negative information. I disputed a number of things over 10 yrs ago but they continue to update as if they are new accounts and in good standing and paid and closed. Neither company is allowing me access to my file. I am requesting that you investigate this and also assist me in checking my file weekly so that I can see if I am a victim of identity theft. I would also like to send you my old credit reports from over 10 yrs ago by mail. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, My macys card was used in XXXX XXXX to charge over XXXX in charges. I contacted Macy 's as soon as the bill arrived and let them know of the fraud. I was then informed recently that the charges were mine and were not fraud. I verified the fact that at the time I was in California sending them XXXX other credit card statements with charges in XXXX XXXX at the same time as the fraudulent charges. I just spent 40 minutes on the phone with them to be hung up on with no follow up call. They are refusing to hear my pleas and failing to remove the charges as well as now reporting me late on repayments. 

Company response: Company chooses not to provide a public response
Consumer complaint: This dept collector Organization acquired a judgment order from XXXX court Colorado - stating ... Failure to appear judgment in favor of this debt collector- from what the dept collection organization provided for them that I owed someplace around {$2000.00} plus {$3000.00} in extra fees ... This debt collector organization also said that they had served me a notice to appear ... And when I asked him to give me a description of who they served it was totally not me ... They describe the person they served as XXXX, and approximately XXXX years old in which I am neither - not even close ... They said this judgment order was legal document to my bank - XXXX XXXX - The bank verified it been a order then put a freeze on my bank account & within a few days {$5000.00} was taken out of my account ... and within one week the money was completely gone ... I called the bank and all they could tell me is to call the deck collector in which they Gave me the number, in which I called only to get a answer machine. When the money was lifted out of my account by the collector ... Then I received a letter notifying me of the court order and that I still owed a XXXX totaling around XXXX XXXX XXXX XXXX dollars. After calling the dept collector to get the information on the reasons for this debt they described at that time they served A gentleman at XXXX years of age -approximately ... I said well that was n't me and they said well that 's the last place we have any information on you and for the courts that 's good enough ... I asked him who I supposedly owed the money to make stated XXXX ... I have never done any business with the XXXX. So as it stands my money is gone ... I was never was served to appear in court ... And I have no documents for this money being loaned to me or whatever to date ... I 've tried to get the information on it and the only thing they can say is that all information provided over the phone will be used against me ... so I 'm reluctant to give them any information since they seem to me to be crooks - not to be trusted ... My bank says that they had a legal order ... So how do I find out what this original {$2000.00} this debt collection organization they said I owed is all about. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Waiting for each agent to respone to my complaintXXXX transunion keep reporting outdated negative information. I disputed a number of things over 10 yrs ago but they continue to update as if they are new accounts and in good standing and paid and closed. Neither company is allowing me access to my file. I am requesting that you investigate this and also assist me in checking my file weekly so that I can see if I am a victim of identity theft. I would also like to send you my old credit reports from over 10 yrs ago by mail. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently closed my XXXX XXXX XXXX account. Before I paid the final bill ( which I paid well within XXXX XXXX 's demands ), I was sent a letter from the Enhanced Recovery Company dated for XXXX XXXX, 2015 saying my account had been sent to collections and I owed XXXX dollars. I did n't receive this letter until XXXX XXXX due to it being forwarded from my old address. 

I paid my final bill on XXXX XXXX, 2015. Upon calling XXXX XXXX 's customer service, I found that my closed account was in good standing and had not been sent to collections. I believe that the ERC is at fault for attempting collections on me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX 2014 I was contacted by XXXX stating that I owed a bill. I told them at that time that I have never had their service and asked for the service address, which I was told was in California. I informed the rep at that time that I have never had the service and have never lived in California. At that point I was told that it would be taken care of an apologized to. No further contact was received. 

I recently applied for a job with XXXX XXXX and as part of the process for selection, my credit was pulled. My credit is not perfect but I have worked hard to repair my credit and pay debts off and have succeeded thus far. When reviewing my report in XXXX that was pulled for the candidate selection I found a collection notice on their from Stellar Recovery in MT for XXXX XXXX. I contacted Stellar, who had my current address but was referred to XXXX. I have talked to XXXX numerous time and they have not been able to find an account in my name matching the last XXXX of my social. The last conversation I had with them is that it is not my fault I allowed my information to be compromised ; outrageous. If I had allowed my information to be compromised why could they not find an account in my name? I was talked down to and spoken to horridly and still I am now getting the blame. I have lost the job that I was after, which would have given my the income boost that I need. XXXX simply will not do anything at all. A negligent company like this should not be allowed to be in business. I feel that they should be financially responsible for my job loss, violating the laws of conversion and allowing a fraud to occur and reporting falsely against me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Southwest Credit Systems called ( XXXX XXXX 2015 XXXX ) and refusing to state the reason for the call, while phishing for information regarding my identity. I had to research the incoming phone number to identify the company, then called back and find out Southwest Credit Systems is attempting to collect an unvalidated account with XXXX. I advised Southwest Credit Systems to make no further contact by phone, and mailed a Cease and Desist Notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692c ( c ) on XXXX XXXX 2015 warning that further contact of any kind would be considered harassment and that any unsubstantiated mark made by Southwest Credit Systems on my credit reports would be considered Defamation of Character and violation of the Fair Credit Reporting Act. Southwest Credit Systems placed a derogatory remark on my credit reports on XXXX XXXX 2015 in reference to this unvalidated account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This issue is with TranUnion. I originally requested my annual free credit report from all XXXX agencies, XXXX requested additional identification, so I sent a copy of my social security card, my New York XXXX ID card and New York XXXX Medicaid card. With Trans Union I have also send a copy of my Veterans Medical Picture ID card. 
TransUnion has been the only one that has denied to send my credit report three times. 
I have no more id 's to send them. 
There are many incorrect credit items in my other reports and TransUnion is preventing my from correcting them. 
Can you please help me get my credit report from TransUnion? 
thank youXXXXXXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have documented confirmation that my mortgage payment was mailed from my bank, XXXX XXXX XXXX, on XX/XX/XXXX. My mortgage payment was due to be received by Shellpoint Mortgage by XXXX. XXXX XXXX sent me documented proof that Shellpoint cashed the check for my payment on XX/XX/XXXX. I forwarded this documented proof to Shellpoint Mortgage on XX/XX/XXXX. I have not been able to call or speak to the department that handles payment disputes because Shellpoint refuses to direct my contact to that department. I have been repeatedly told that the payment disputes department will only communicate with me via mail or email regarding their research of my payment dispute. As of today, XXXX XXXX, I am continuing to receive notices of our delinquency on our mortgage. We have never missed a mortgage payment or been late on a mortgage payment since we purchased our home in XX/XX/XXXX. In addition, Shellpoint Mortgage changed their payment address in XX/XX/XXXX. We believe this is a contributing factor in their inability to properly identify and credit our payment. As a faithfully paying customer for nearly 20 years, we are extremely frustrated by this lack of competence, compassion, and understanding. We have invested countless hours attempting to resolve this issue with Shellpoint mortgage only to be told time and again that we are unable to speak directly with anyone who can help resolve our issue, and those denials are followed by repeated receipt of late payment notices. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I am in Citi ThankYou card program with XXXX points on the statement as of XXXX/XXXX/XXXX and got reduced to XXXX points on the statement as of XXXX/XXXX/XXXX. It was forfeited by XXXX points. Their reason is my XXXX was canceled and wo n't give me back my earned ThankYou points. I totally disagree with and like to dispute them. 

1. I have XXXX Citi preferred ThankYou XXXX cards since XXXX. I 've consolidated the ThankYou points I accumulated long time ago as they encourage their clients to better use and manage the ThankYou points earned. The consolidated points were shown on my monthly statements. There is ONLY XXXX SUMMED POINTS for the XXXX cards without any separate accounting records. 

2. As the same effort to better manage XXXX same cards, I requested Citi to consolidate my credit limits to XXXX card instead of XXXX in XXXX. They did n't grant me so I just use XXXX card to simplify my spending and accounting activities. I received a letter from Citi a few months ago stating that my inactive card was canceled. They wo n't restore my inactive card and the card was canceled without my consent. I have perfect credit records with every loan and credit card I have. I suspect they broke the law of fairness in credit card application. 

3. I am aware of my ThankYou points live with my valid credit card. However, Citi does n't state that the consolidated points will forfeit and they do n't show anywhere on my monthly card statements. I asked their agent the time I consolidated who told me my points will never lost as long as the consolidated account is open. XXXX summed points CAN NOT DIFFERENTIATE THE POINTS of XXXX card or another. Any redemption I had was deducted from the XXXX summed points in my monthly statement. 

Obviously Citi 's ThankYou points ' consolidation is neither clear/clean explicitly nor customer friendly. There are flaws in their system design and operations that are not fair or even lawful to their customers. I CAN NOT BE the VICTIM of THEIR PROBLEMATIC SYSTEM! 

It is unfair to cost customer 's interests for Citi 's mistakes. It is even not ethical or lawful to trick customers if intentionally. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX XXXX, I opened a Best Buy credit card to purchase a TV, interest free if paid within 5 years. In XXXX XXXX, I fell behind on payments. I rec 'd a call from a Best Buy rep who stated that I was only a few payments behind and that if I paid the past due debt I would be all caught up. The rep also stated that I can continue my monthly payments, interest free, and be restored back to normal status. With that in mind, I set up auto-pay to my checking and continued to pay for the next year, receiving my monthly e-bill from BestBuy and receipt that the month was paid. Then, in XXXX XXXX, I received a bill that had a late payment on it. I called best BestBuy and stated that I had Auto-payment and sufficient money in my account to cover the monthly debit. They stated that the account was sold to Citigroup and to call them. I called Citigroup and asked for the late payment to be removed and informed them that I had made an agreement with BestBuy to pay late payment the year prior, and subscribed to auto-pay. Citigroup informed that they were unable to remove the late payment charge and that only Best Buy could. I then called BestBuy and they again directed me to Citigroup. I continued to receive emails from, and labeled, BestBuy for my monthly payments. However, when I clicked on the " paybill '' link ( every month ), it continually led me to an " error, please check back later '' page. Now, 6 months later, the account went into default and Citigroup added on the total interest charges for a bill of over {$2000.00} ( which just prior was {$700.00} remaining on payments, absent the " late '' charges ). I believe that BestBuy is obligated to honor our agreement that I be able to continue my interest free monthly payments in accordance with our original contract. I also believe that the late payments, interest charges, and charge-off that now reflect on my credit reports should be removed, and that Citigroup and BestBuy should be fined for violated consumer credit protection laws. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are remnants of tax lien ( s ) that have been released still showing on my TransUnion credit report. XXXX did update and remove these ; " As of XX/XX/XXXX, you have no public records on your credit report. '' released liens ( released on XX/XX/XXXX ) but TransUnion has failed to do so as well, after successive requests to them requesting update/removal of these outdated derogatory entries. 

Company response: Company chooses not to provide a public response
Consumer complaint: My name and address is incorrect on my Trans Union credit report. My legal name is now XXXX XXXX my address XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: MY WELLS FARGO CREDIT CARD LIMIT IS INCORRECTLY LISTED AS HAVING ONLY A XXXX DOLLAR LIMIT. MY CREDIT CARD LIMIT IS XXXX DOLLARS FOR THAT CARD. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX, I received medical services from XXXX XXXX. On XX/XX/XXXX, I paid the debt via my XXXX credit card ( see endoscopic XXXX ). 

On or around XX/XX/XXXX I was contacted from the billing office stating that they had not received payment ( although it was made via credit card on XX/XX/XXXX ). 

Since that time I have contact my credit card company ( XXXX ) and supplied XXXX XXXX with copies of the relevant statements, including authorization numbers, claim number, etc. to no avail. 

On or about XX/XX/XXXX, the bill was turned over to Fox Collections. I have spoken with XXXX Fox representatives and supplied them with the relevant information and they have chosen to contact TransUnion and issue a non payment derogatory remark on my credit report. 

Fox collections contends that the provider was not paid because there is a 'denied amount ' indication on MY XXXX statement ( XXXX XXXX ), when in fact this denial was NOT denial of the charge to the provider, but a denial of my XXXX claim which I was required to satisfy myself with XXXX. In fact, if this was a denial to the provider, they would be able to provide some documentation they were not paid or that the transaction was rejected, but the proof has never been provided, yet I have continued to provide the full transaction detail ( XXXX ) as proof the provider was paid on XX/XX/XXXX. 

As proof of payment, I have provided : The " endoscopic anesthesia.txt '' document outlining all the transaction details including the EXACT date, time and authorization number of the payment ( provided by payflex credit card company ). 

The " XXXX '' document which is MY copy of the original XXXX statement showing the XXXX transaction. 

The " Fox Collections.pdf '' document is a copy of the collections agency letter. 

Company response: Company believes it acted appropriately as authorized by contract or law