AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Focus Receivables management continuously calls my number and floods my voicemail with something saying I owe a debt. The only thing in my name is my car which is paid off and taxes are paid every year. I do not owe money to the government so I know it has nothing to do with that. the only thing I could think of was something medical from when I was in high school under my parents insurance which means it is not my problem 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: BB & T has built a history of questionable and in my opinion, illegal activity. My house burnt to the ground, Myself and my family lost every single piece of anything that was n't attached to our skin. My insurance company was trying to give us money so we would n't be homeless, after hours of XXXX XXXX and myself trying to get the bank to allow us access to the check they finally allowed it. We went to purchase basic goods with this money and our card was declined. We called the bank and were told that we were only allowed to spend a certain amount. This was our money that the bank spent all that time to approve us to have, they approved it to be our funds and then did not allow us to purchase what we needed to. This money was ours and the bank said they do n't allow us to spend more than a certain amount of our own money. We called all the way to the executive offices for BB & T and were told the same thing, the bank was holding our money without our consent. Previously the bank has taken our XXXX funds, when we called we had to go to XXXX different departments because everyone said they had no idea where my money went, finally when I got to the " right '' department they said they took my {$2500.00} and were holding it because they said I deposited too much into the account, they did n't give MY MONEY back for XXXX more days. Recently they closed my account without notifying me in any way. When I called they said it was because I used the account too much, again MY MONEY that they keep feeling like they can take, hold and make disappear whenever they want. Even when they knew my house burnt down and I had nothing they still did not even think about allowing me access to MY MONEY so I could purchase things for my family. This bank charged an " OLB banking '' fee for a year after I cancelled a connected account but only credited the month that I called to complain about it, they have duplicated transactions and put us into overdraft and said they only would " forgive '' XXXX overdraft exception per year. The XXXX, NC Branch needs to be investigated but their entire executive team down to their branch has shown issues. 

Company response: Company chooses not to provide a public response
Consumer complaint: CHEXSYSTEMS HAS A VERY LOW SCORE ON ME BUT CAN NOT TELL ME WHY. THEY HAVE NO ADVERSE INFORMATION IN THEIR REPORT, YET WILL NOT RAISE MY SCORE. I HAVE NOT BEEN ABLE TO KEEP A BANK ACCOUNT OPEN FOR SEVERAL YEARS. I NEED YOUR HELP, PLEASE 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed Chapter XXXX bankruptcy in XXXX XXXX and was granted a full discharge. In XXXX of XXXX, I applied for a consumer loan with my credit union and was denied. My credit report showed XXXX serious delinquencies that were filed in XXXX and XXXX by the utilities companies whose bills were included in my discharge in XXXX. XXXX correctly shows these as discharged in bankruptcy. Transunion is incorrect and shows them as serious delinquencies. I do not know how it is reported on XXXX because I was a victim of the XXXX data breach, so I froze my credit reports. I could not obtain a PIN from XXXX to lift the freeze so I can not see that report. However it should not matter ; in this case, I was denied credit because these XXXX creditors re-filed ( through collections agencies ) against me debts that were discharged in Federal court. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have recently been informed that there is negative information reported by CITIBANK, CALIFORNIA in the file XXXX maintains under my Social Security number. Upon ordering a copy of the report, I see an entry from this bank listing an " ACCOUNT ABUSE - CHARGE-OFF amount of {$1100.00} '' on XXXX/XXXX/2015 ''. 
I am unaware of ever having an " ACCOUNT ABUSE - CHARGE-OFF amount of {$1100.00} '' from this bank. I have several accounts including credit card accounts with CITIBANK that are in good standing and I 've banked with them over XXXX years. 

Company response: Company chooses not to provide a public response
Consumer complaint: I notified the XXXX major credit reporting agencies that XXXX collection agency 's had reported false information to them which showed as collections on my credit reports. Experian was the only Credit report agency who did not delete these XXXX collections. Both collections are from XXXX Account XXXX. The XXXX for the amount of {$380.00} and the XXXX for {$410.00}. I advised all XXXX Credit agencies that I was not responsible for these XXXX collections. They belong to my Mother ( XXXX XXXX XXXX ) who passed away XXXX XXXX 2014. I am not responsible for her debts. Again, I ca n't understand why Experian will not remove these XXXX collections from my credit report since they are not in my name and I am not reponsible for someone else 's debts. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a phone call from XXXX from XXXX, ext XXXX. He left a vm message stating it was an attempt to collect a debt. I returned phone call. The collector stated that he was collecting a debt from XXXX from 2008 in the amount of {$210.00}. I have never received a letter or anything regarding this debt, and then 7 years later a phone call to collect the debt that 's clearly outside of Georgia Statue. I have not received any documentation, letters or correspondence from the apartment complex and 7 years later. This debt is bogus and I advised him to not call me again. He refused and stated it had to be in writing. Well, I never received a letter to dispute the bill initially ... 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: XXXX XXXX with XXXX XXXX pretended to be an attorney and threatened to have our daughter arrested over a debit to Wachovia Bank from 2009. The amount he tried to collect is also XXXX the amount she owed. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX with CNP Solutions pretended to be an attorney and threatened to have our daughter arrested over a debit to XXXX from 2009. The amount he tried to collect is also XXXX the amount she owed. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I have closed a XXXX XXXX credit card becuase of high annual fee of {$450.00}. 
I closed this account on XXXX day after this fee appeared in the monthly statement. 
Customer service refused to refund the annual fee either in full or pro-rated. 

Company response: Company chooses not to provide a public response
Consumer complaint: After filing a formal comlaint with your organization concerning following banks for runing a Hard Inquiy on my credit report, ( 1 ). XXXX, ( 2 ) CitiBank NA, XXXX have failed to ensure permiissible responsibility/ purpose in accord ance with the Fair Credit Reporting Act. Moreover, these antity has failed to provide me with authentic data that I granted the permissions. 

Company response: Company chooses not to provide a public response
Consumer complaint: I doubt this will ever be resolved in my favor, but I 'm willing to explore all possibilities. And if nothing else, maybe my story can warn other consumers who are about to go on California state XXXX. 

Bank of America debit cards are used by California 's XXXX Department in place of XXXX checks : the state sends pre-loaded debit cards to workers out on XXXX leave. I was one of those workers receiving a XXXX benefit after XXXX last year. After my leave was finished and I returned to full-time employment, I was unhappy to learn that my card number had been used by someone other than me and that my card had a zero balance. The number had been used on several occasions, some of which occurred when I was at my office, and there were charges of close to {$500.00} at several XXXX locations within the space of XXXX hours on opposite ends of XXXX XXXX County. These took place on a Sunday when I was at home. 

As the card had never been out of my possession, it was obvious this was a case of fraud. But proving that to B of A has been impossible. I immediately contacted California XXXX, I filed a report with B of A 's Fraud Department, as well as one with the XXXX XXXX County sheriff 's department, and I also contacted each store 's security team. The security staff at one XXXX location, where many of the purchases were made, let me know that they reviewed the recorded footage where the transactions were supposed to have occurred. The register was n't in use at that time. Quite literally, no one was there. While the staff was baffled and concerned, there was nothing they could do. 

Of course, the state of California will not re-imburse me for the stolen " cash. '' B of A insists that these purchases at XXXX were " valid transactions. '' The people with whom I spoke in the bank 's Fraud Dept. told me they hear these stories frequently, and that there was nothing they could do. 

I am SURE I am not the only person on XXXX who has experienced this. There must be hundreds of people being victimized like this at any XXXX time. Obviously this system does n't work real well! But here 's the thing : {$500.00} is not going to break me. But for some older, unwell person who is depending on that money, {$500.00} could mean the difference between eating and starving, or living under a roof as opposed to living in one 's vehicle. 

Friends and co-workers who have been on state XXXX tell me the only way to beat the crooks is to withdraw every cent on that debit card the moment it is issued. I now understand this, but I am appalled that the state of California, knowing that this is flawed system, continues to utilize it. In no way does this practice help the people who are supposed to be getting benefits. And shame on B of A for refusing to help a consumer who has gone out of her way over the course of several weeks to gather evidence, file reports and do all the legwork. This lax attitude is the reason this bank is now on my list of institutions with whom I 'll never do business. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian has XXXX Inquiries ( XXXX, XXXX, XXXX and XXXX ), XXXX Collections ( XXXX and XXXX XXXX ) and a Charge Off ( XXXX XXXX ) on my credit file that I have disputed more than XXXX days ago. I have contacted these companies about these debts and inquires and they failed to respond to my certified letters. I then contacted Experian to inform them of these disputes as well as provided them with proof and they ignored my request and have not removed them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was attempting to set up an online account so that I could make an extra payment before the end of the billing cycle and was prevented from doing so because of a security word. I called and Citi kept attempting to ask about the same security word set up decades before. We have had the account since 1985. I have no idea what the security word was, nor should it matter. There are alternate ways of understanding that I am the account owner. So now, I ca n't avoid about {$100.00} in finance charges. Thank you Citi! 

Company response: Company chooses not to provide a public response
Consumer complaint: multiple unauthorized inquiries on report 

Company response: Company chooses not to provide a public response
Consumer complaint: I was deceptively charged a fee after receiving a credit report for XXXX dollar. I cancelled the service immediately and Experian did not honor the cancellation. his company was sued before for the same offense and it is at it again. Experian is getting away with deceptive practices and no one is stopping them. I feel that the US government should intervene before many others are being ripped off. 

Company response: Company chooses not to provide a public response
Consumer complaint: On statement XXXX XXXX - XXXX XXXX, 2015 with a balance of {$8500.00} and Total Minimum Payment Due of {$150.00} a payment was made on XXXX XXXX, 2015 in the amount of {$7000.00}. With an outstanding Balance of {$3800.00} at 14.99 % APR and an additional outstanding Balance of {$4700.00} at 5.24 % payment in excess of the Total Minimum Payment Due was not properly applied to balances with higher APRs before balances with lower APRs. 

With this {$7000.00} payment, per Federal Law and per Bank of America written policy I should not have any balance remaining on the 14.99 % APR. 

As of XXXX XXXX, 2015 ( statement XXXX XXXX - XXXX XXXX, 2015 ) there is still an outstanding balance subject to the 14.99 % APR. This is not correct, with a payment of {$7000.00} on XXXX XXXX, 2015 ; the entirety of the outstanding balance at 14.99 % should have been {$0.00}. Instead, Bank of America allocated the excess to the smaller APR of 5.24 %. 

Per the Credit CARD Act of 2009 SEC. 104. APPLICATION OF CARD PAYMENTS. Section 164 of the Truth in Lending Act ( 15 U.S.C. 1666c ) is amended -- ( b ) APPLICATION OF PAYMENTS. -- '' ( 1 ) IN GENERAL. -- Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. " Per Bank of America BankAmericard HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first ( including transactions made after this statement ). Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015, I paid in full a medical bill on my husbands behalf. While on the phone, the agent stated there was a second bill and collected as well on that account. In XXXX 2015, I discovered the second bill she collected on was not my husbands. Same name, but different states, different birthdates, and different social security names. I have been trying for over XXXX weeks to get a refund of the money I paid to another individuals bill. I have sent in a copy of my husbands drivers license to prove it is in fact not him, copies of the payments I made, and have made countless attempts to talk to a supervisor. No one will return my calls or let me speak with a supervisor. Not only have they given me demographical information for another individual which violates HIPPA, but have been neglectful to correct a situation that they caused. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Thursday XXXX XXXX 2015 I received a phone call from a former co worker stating a message was left for me at my prior place of employment from a " XXXX XXXX '' regarding a " civil complaint '' and referencing a case # and a # to call back. I called that number and got the voice mail of this " XXXX XXXX '' stating the company was Clear Credit Solutions. I have no knowledge of who this " XXXX XXXX '' is or why this person is contacting one of my former co workers about this so called " civil complaint '', not ONCE have I personally ever received a phone call from " XXXX XXXX '' or Clear Credit Solutions. His business practice and communication tactics are unethical and need to be stopped immediately. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: This number has called me XXXX times a day. When I answer no one is there 

Company response: Company chooses not to provide a public response
Consumer complaint: My ex wife took my son to XXXX XXXX XXXX for treatment I did not agree with nor gave consent to. She used my Health card information and I was wrongly charged. Multible letters were sent to Snow and saur, last letter sent XXXX XXXX 2014. I am not responsible for this bill. 

Thank you 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There are four different collections on two different reports in regards to a XXXX bill that i do not believe i owe. one is not even in my name. I have written several certified letters to the agencies on the reports requesting information and they have failed to respond. I have also sent them certified letters requesting that they remove the info from my reports since they refuse to send me any information regarding these accounts, but they still will not respond. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX paid off on time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent XXXX to someone with XXXX in XXXX, XXXX last XXXX XXXX, 2015 though my bank. It was international money transfer. I came to know that i sent it to him by my mistake. I had called XXXX several times to send it back to my account but they kept telling me to talk with him for his approval but i dont know him. I dont have or dont know his phone number. His bank told me to send an email to them what my problem was. so i emailed to them several times and they ignored me for a long time. I was angry. When i called the bank, i needed my money back asap and they said they cant do anything because they said i am not a XXXX customer and i must speak to the receiver. I was stuck and told his friends to communicate with him for me. He was so angry because he was not allowed to give me his phone number then he decided to close his account after he told his bank to transfer my money back. His friend notified me that my money was on way to my account but the fund was never wired for XXXX months!!! I even stopped by my bank about that many times so my bank contacted their wiring dept to request what happened to my fund and where it was. They found that my fund IS STILL AT XXXX ACCOUNT. My bank from XXXX different locations requested it to XXXX to wire it back to my account several times but XXXX refused to do it for no reason. Why? 

Company response: Company chooses not to provide a public response
Consumer complaint: Well, 4-5 years ago I had cable XXXX and always paid my bill on time but was very unsatisfied with the service. ( They did n't hook up the right amount of boxes for the amount of rooms then wanted to charge me {$100.00} to get another box that I was suppose to have gotten for free at initial hook-up, so I just let that go and stayed with the one box I got. I did have to pay to get switched to the channel line-up program that I was suppose to have had to begin with. : just a couple of examples of why I was unsatisfied ) So I decided to cancel my service, and just learned that they 're still XXXX 4-5 years later ) trying to collect {$380.00} just for cancelling my service early. I did n't even know that they 've sent it to a collection agency until now. There 's no way I can pay that because I raise my XXXX kids by myself and have to scrape just to pay regular bills and necessities! How can I get them to drop this debt? And I had service through XXXX in either XXXX or XXXX so I 'm wondering why they waited until XXXX to send the debt XXXX to try to collect it. (? ) 

Company response: Company chooses not to provide a public response
Consumer complaint: I went online to USAA to get a secured credit card during purchasing the secured card online USAA 's system charged me twice and set up two secured credit cards when I was only trying to get one. I had to take time out of my busy work schedule multiple times to try and resolve this issue. After speaking to multiple customer service reps I was told this issue was resolved. Only to find out that not only has this affected my credit, the thing I was trying to repair in the first place, but now they are trying to charge me for the additional card that I never wanted in the first place for which they told me the issue was resolved. I tried to make a formal complaint to the executive office at USAA I called XXXX with executive resolutions 5 or more times and never received a call back for any resolution. This bank refuses to return my calls. This has put my ability to repair my credit and use my VA home loan for purchase of my families first home to a complete STOP! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My mortgage account with XXXX has been PAID IN FULL and closed. XXXX letters confirming payment IN FULL have been issued by XXXX, which have been sent to the credit bureaus by registered mail and internet. Telephone requests to correct the credit files and indicate that the account has been PAID IN FULL have been made to the credit bureau XXXX. 
TransUnion is reporting as follows in regards to the XXXX account : REMARKS : Account information disputed by consumer. ClosedAs a result of the negative report ( which is NOT in compliance with the Fair Credit Reporting Act ), my credit score is lower than it should be and I have been denied credit. 
XXXX party that denied credit told me by telephone that the report from the XXXX could mean that I paid less than the full amount or nothing and that the creditor wrote off the balance. 
The people I have contacted at TransUnion recite a script, never answer my questions and do not show any interest in solving the issue. 
It is my contention that the Fair Credit Reporting Act requires the Credit Bureaus to report " in a manner which is fair and equitable to the consumer '' so that there is no possibility of misinterpretation. The Act reads : '' It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. '' 

Company response: Company chooses not to provide a public response