AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX XXXX 2015 I applied for a checking account with Citibank online. Not sure if I did it right so I applied again on the phone and again on the XXXX online. On XXXX XXXX 2015 I received several letters from Citibank. XXXX of which contained a bank card in each. Great I had the account. I went to a Citibank Atm and deposited {$20.00} which is still in the account at the time this complaint is being filed. I tried to use my bank card and it was declined twice. Once I got home I called customer service who told me there was a restriction on the account and I needed to call new account services. I was also informed that I had XXXX accounts. I told them I only wanted XXXX and gave them the account number of the one in which to keep, the one with the {$20.00}. So just to be exact I am writing this complaint pertaining to the account ending in XXXX. On Monday, XXXX XXXX 2015, I called new account services where I was informed that I needed to send in proof of address. I was told that a cell phone bill would do and I promptly sent a copy of my phone bill to them. I faxed it to the number ( XXXX ) I received from the agent. I called the next day which was XXXX XXXX 2015 to verify that new account services received my fax, they did. Later that day I received a call from a number I did not recognize, XXXX. The gentleman on the line explained that he was calling on behalf of Citibank and he was the XXXX reviewing my proof of address I sent in and he thought to check with me because my XXXX bill had an apartment number and I did not put one on my bank application. I explained to him that it did not matter because I stayed in a hotel and all mail came through the front desk, so I would get it as long as it came to this address, the same one that I gave them on my XXXX bill as my proof of address. He asked if this address is permanent, I assured him it was. He then explained to me that he would have to talk to his supervisor as they usually do n't give accounts to people in hotels. He said he would call me back after he spoke with his supervisor, either later that day or the next. The next day I waited, I did not receive a call so I called new account services. They explained to me that the account was denied by XXXX and I will be receiving a letter soon. I feel as though I have been a victim of discrimination again. Where I live should not play a part in whether I get an account. I gave all my documents as asked of me. I already had the account, they sent me a card, so the only reason for them declining or closing my newly opened account has to do with the address where I live. I am not sure of the reason they put in the letter or the reason they will give your organization but I feel that it should be known that I have the card and even placed money in the account. The reason for them closing the account has to do with the fact that my address where I am a permanent resident is a hotel. I do n't think that people who live in hotels, or shelters, or any residence that Citibank does not agree with should be a reason that a person is denied an account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am purchasing a house and my mother and my sister wire transferred my funds from XXXX which I can use toward the purchase of a house. The wire transfer from my sister XXXX XXXX are held by the Bank of America. The funds came in on XXXX XXXX, 2015. Bank of America requested some additional information from the sending institution in XXXX, such as the name and the physical address of the originator and the complete physical address and the economic need for the wire transfer. They got all the necessary information back on XXXX XXXX. However, Bank of America still does not release the funds. I have a settlement on XXXX XXXX, 2015. When I called the Wire Transfer Department at XXXX I was advised by XXXX that the Bank has a right to keep these money for as long as they need. 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit reports all have freezes applied. However, in speaking to a company with which I applied for credit, I was informed that TransUnion does not have a freeze on my report. And, that the the information on my report was partially the reason my application for credit was denied. This is a blatant violation of my right to protect my credit history from inaccurate information being released. This breech has caused me to lose credit and I demand that the freeze be reapplied to my report. And, that TransUnion be made to pay punitive damages for this breech! 

The documents ( s ) proving my claim have already been submitted via this portal. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am submitting this complaint to an unknown collection agency that continues to contact me at my employment and refuses to give information about this supposed debt I owe them. The contact person that continues to harass me is XXXX XXXX XXXX. XXXX XXXX has also went as far as providing this so called debt information to my co-workers in a harassing manner. This is not only wrong but humiliating. I believe that as a tax payer I have the right to file a complaint. If someone can assist me, I will definitely appreciate it. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I submitted my dispute to Transunion with all of the required identity verification. I received a letter from them dated XX/XX/2015 informing me that they would not conduct an investigation because I provided incorrect proof of address but I did not as you will see from the attached documentation that was notarized. I want Transunion to stop stalling and do what they are required by law to do under the FCRA. 

Company response: Company chooses not to provide a public response
Consumer complaint: I took out a loan with Cashcall in 2013 I was later laid off from my job and tried working with Cashcall but they would not work with me. I am now gainfully employed and have contacted all creditors to payoff everyone and make payment arrangements. Cashcall stated they would call back because of the length of time. Weeks later I get a call from an attorney claiming to represent Cashcall, XXXX XXXX XXXX, stating I could make arrangements with his office. My {$2600.00} loan which I made I believe 6 six {$300.00} payments was still at {$2600.00} and due to interest still being charged U owed {$9800.00}. when I stated that was way too much money and I could not afford this, I was told they would seek a judgment and garnish my wages. I am more than willing to payoff a debt that I owe, however the amount being sought after is excessive and I am unable to pay. This should be illegal especially when I contacted them to repay. I had not received any collection efforts from them in over 18 months until I called them 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have some outstanding past due medical bills that have gone to a collections agency. I have an answering machine on my land line phone. I have a generic outgoing message on the machine that states no one is able to answer the call and does not mention any names. Today, I found a message on the machine that claimed to be from the collections agency. The incoming message stated that it was for me, by name, and that anyone else should immediately hang up. The message then went on to explain the nature of the call was to collect a debt and gave the name of the agent and that of the agency and their telephone number. I have a girlfriend that spends several days at my house at a time and the answering machine is in the living room, where she can hear both the outgoing message and the incoming messages. 

The message is saved on the answering machine, with no direct way to save it as a computer audio file. I may be able to play it back and capture the speaker output to a voice recorder that generates XXXX files that can then be copied to my computer. 

Company response: Company chooses not to provide a public response
Consumer complaint: This debt is not mine, for XXXX XXXX. I 've already had it removed from my credit reports, by filing complaints with all XXXX credit bureaus, sending a completed Fraud Handling Packet thru XXXX, as requested, to include a notarized Statement of Dispute, Police Report, Proof of Lease at the time this account was created. Got Identify theft alerts added to all XXXX credit reports, purchased XXXX XXXX for myself and my XXXX sons. After getting countless phone numbers, last name, and addresses removed from my credit reports that did not belong to me, this XXXX account has ended up back on my credit reports XXXX XXXX, XXXX ( {$1000.00} ), thru the same collection agency that it was removed from back in XXXX XXXX. Enhanced Recovery Corp. XXXX even had the audacity to send a letter to me questioning XXXX accounts from XXXX and XXXX, after proving this account from XXXX is not mine, the account that started this whole credit disaster. I had proved this account was not mine and although the other XXXX accounts they 're claiming to be mine from XXXX and XXXX, they 're outside of the statute of limitations. The accounts are not mine and should not be in question. My next move is to seek help thru an attorney if this can not be resolved for good. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I became aware that SELECT PORTFOLIO SERVICING INC Also know as XXXX, SUCCESSOR TRUSTEE TO XXXX, XXXX, AS TRUSTEE XXXX OF STRUCTURED XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MORTGAGE PASS-THROUGH CERTIFICATES SERIES XXXX with the aide of XXXX filed a fraudulent ASSIGNMENT OF DEED OF TRUST with the Recorder of Deeds for XXXX know as instrument number XXXX. This document has forged signatures for a XXXX XXXX and forged signature for a notary XXXX XXXX XXXX that also has a fake internet purchased notary stamp. I do not have a contract with these people and I am requesting that the CFPB start to investigate this criminal matter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: sw credit systems inc. for XXXX. my credit report states i owe them XXXX. I have no idea what this debt is? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
This item is a collection item. The debt that this collection agency is trying to collect on is being collected by the State of New Jersey County of XXXX & XXXX. I have included the court documentation. Please delete the entry in order to correct the information. XXXX & XXXX County is responsible for collecting the debt and they have not requested XXXX XXXX XXXX to collect on their behalf. The State of New Jersey County of XXXX & XXXX is the only collection agency for this debt. I have furnished the same information the XXXX & XXXX but they have refused to remove the entry. I have let the courts know the status of this and they are n't happy and will be doing an investigation on their own. 
Enclosed are copies of payment records and court documents supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible. This is the second time that I have disputed this entry and it needs to be removed 

Company response: Company chooses not to provide a public response
Consumer complaint: My TransUnion credit report indicates a hard inquiry for XXXX on XXXX/XXXX/15. I did not apply to XXXX for credit. How can I resolve this? 

Company response: Company chooses not to provide a public response
Consumer complaint: Item in my credit report are double and older than seven years. Also there are item listed in my credit report wich state that I recently open accounts and thats not true. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been sending letters to the bureaus since XXXX 2015. I am not sure if the bureaus are doing proper investigations but the XXXX on my report keeps a new date of last activity even though I settled this a long time ago. This date being updated is illegal and hindering me from moving on with my life and crushing my scores. Please intervene and make them remove it 

Company response: Company chooses not to provide a public response
Consumer complaint: It appears that the credit bureaus are reporting inaccurate statuses - never delinquent in 2008. Original creditor refused to remove this information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased my home in XXXX of XXXX and since RoundPoint received my account in XXXX of XXXX it has been a complete mess the first year RoundPoint tied my account up with another persons and paid from my escrow account a resident in XXXX County 's taxes and never paid my XXXX County and City of XXXX XXXX taxes and I did not find out until I got an outstanding bill from XXXX County and the City of XXXX XXXX, I called them and they assured me this would not happen again and that they had my account all cleared up. The very next year Round Point failed to pay my taxes for either yet again and I ended up paying 2 years of taxes in 1 year to catch up after I got a foreclosure notice due to their failure to pay the taxes that I pay into every month through my house payments. Now this year again i emailed them my tax bill due ion XXXX/XXXX/XXXX and I go online to check my account and they have again not paid my taxes but paid someone else 's taxes in XXXX County totaling {$1000.00} out of my escrow again and still have n't paid my City of XXXX taxes of {$410.00}. At this point I have been burnt 3 times by this same company and I have been more than patient with them and for this company to not handle my account in the proper manner I need my mortgage moved from underneath this company there is no repairing this mess and unprofessional behavior. I am so frustrated and disappointed not to mention very angry that they have paid another persons taxes out of my escrow for a second time is just unbelievable! this is my second time I am making a formal complaint against this company I want to move my mortgage for good no action can repair this incompetence. 

Company response: Company chooses not to provide a public response
Consumer complaint: Never lived here:XXXXXXXX XXXX, TX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: America 's Servicing Company ( ASC ) is refusing the borrower 's legal representation to speak on the borrower 's behalf and is also refusing the borrower 's right to obtain information on the the borrower 's own account. ASC was sent Notice of Representation on XX/XX/XXXX ; hereto attached. ASC did not send acknowledgement of his representation until XX/XX/XXXX, hereto attached. The XXXX XXXX XXXX XXXX XXXX XXXX has continued to represent the borrower to date. All correspondence relative to this account is mailed to the address of the XXXX XXXX XXXX XXXX XXXX XXXX. ASC Correspondence began to reflect an associate attorney XXXX XXXX XXXX XXXX the XXXX XXXX XXXX XXXX XXXX XXXX as the authorized representative without instruction from the borrower or The XXXX XXXX XXXX XXXX XXXX XXXX and is no longer allowing the borrower or the borrower 's legal representative to obtain any information on the mortgage. The borrower has a sale date approaching on XX/XX/XXXX. The first authorization took a turn around time of over 2 weeks for ASC to process the authorization. If ASC takes 2 weeks again to process the Notice of Representation as being requested again it will surpass the borrower 's sale date. This is truly a misjustice to the borrower as well as many other Homeowner 's faced with these unethical practices. On XXXX we attempted XXXX phone calls to speak on behalf of the client and were given XXXX different responses each time we called ; At the end neither the borrower nor the attorney were able to obtain mortgage information due to the borrower being represented by legal counsel. We are requesting an immediate escalation to this matter due to the pending sale date. We are requesting for ASC to reflect the correct represenation as prescribed in the Notice of representation as The XXXX XXXX XXXX XXXX XXXX XXXX. Attorney XXXX XXXX also reflects his name misspelled in all correspondence received from ASC. The authorization should not list an associate attorney of the Law Firm as the authorized representative but should reflect The XXXX XXXX XXXX XXXX XXXX XXXX. ASC continue to stated the XXXX XXXX XXXX XXXX XXXX XXXX is not longer authorized but continues to send all correspondence to said Law Office 's address. 

Company response: Company chooses not to provide a public response
Consumer complaint: Receivable Management Group , Inc. 
XXXX XXXX XXXX, # XXXX, XXXX, Ga : Agent XXXX XXXX, is doubling multiply provider accounts into XXXX account and listing as total debt under XXXX account, i.e. XXXX, XXXX XXXX XXXX statement dated XXXX/XXXX/15 {$560.00}. I called XXXX XXXX XXXX asking how can this be. They have no record of owing no more than {$39.00}. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The problem is I am working with a mediator to keep my home from being foreclosed on. I became negligent on my morning when my ex husband left me. My ex took loans out against the mortgage without my signature when the loan was with XXXX XXXX. This made the mortgage payment {$2700.00}, there is no way I could pay that even with my ex still here. The new services for this loan is thru Shellpoint aka XXXX XXXX but this is the XXXX time in 3 years the servicer had changed and I have to redo all the paperwork, or the bank waits until I have to resubmit new financial documents. At this point there is so much interest and late fees from the last 3 years of stalling I do n't know if they will approve the modification to get the payment {$1400.00} or below. I really feel I am being taken for a fool and just being jerked around. The worst of it is at first I did not accept the amount of the mortgage but I cant prove it due to my ex burning everything in the file cabinet before he left. They say since I ca n't prove anything I have to accept the amount they say I owe. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I wrote XXXX checks from my credit union checking account to deposit into my Regions Checking account. Both checks cleared my credit union account with the amount deducted the next business day. Regions has almost XXXX week later now held these funds for fraud monitoring till next month even though they have received these funds. They claim a confidential source has indicated that the checks may not clear. They have also retroactively returned ACH payments from different merchants and banks well after they were approved. I contacted the local branch in my city who said that only the branch where the account was opened, which is out of state, could assist. Regions has received an almost {$20000.00} interest free loan from me, is holding our money without any ability to access it, creating return check fees to our credit card and auto loan institutions and damaging our internal ratings, and insulted us with a claim of confidential information of non-payment. This claim is patently false as the account the check is drawn from is my own and my credit union has already sent them the funds. I believe this claim is used as an unsubstantiated excuse. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a medical account from an ER visit. I am covered under the VA but the VA never paid, but I did not find out until I was checking my credit report. I paid it immediately with the intention of having the VA reimburse me. The collection company, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , PA told me they would remove the submission to ALL credit bureaus on XXXX/XXXX/2015. They also send me a letter to confirm that this was paid in full. But Experian keeps reinserting it and I have sent them proof. I call XXXX XXXX and they tell me that they have removed it from all XXXX bureaus, I call Experian and they say no that they keep receiving it for submission. I WANT IT REMOVED, IT IS PAID IN FULL! 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted TransUnion Online Dispute center that they were not reporting an auto loan that I have had for 2 or 3 years. The other XXXX credit reporting agencies are and there is a big difference between my credit scores with them and with TransUnion. Them not reporting is hurting my credit. They said it would take 30 days to investigate and after more than XXXX, they sent me an email to go to the website. On it was an updated credit report NOT showing again my auto loan and no explanation or anything else. The only updated items on report was its date and my recent address in XXXX. I believe they just want people to grow tired of contacting them and give up. I went through a bankruptcy in 2010 due to the economic conditions. I have worked very hard trying to get back in the system with good credit. I simply do not understand the big deal with them. All they are doing is including an auto loan that is an important part of a credit analysis.The other XXXX agencies are reporting it. I would attached any of the company 's investigation or comments But there are none. It just shows same credit report with my XXXX address. 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit bureau keeps reporting inaccuracies related to XXXX XXXX tradeline. First and foremost, consumer was never late at any time in XX/XX/XXXX. The account has long been closed, and was sold off around XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: The company XXXX XXXX XXXX is trying to charge me through ERC collection for something that never existed. I already called ERC and explained the situation and they told me I had to talk to XXXX XXXX XXXX. There has been multiple times collection companies have tried to make this charge. It is about the XXXX time I make a complain about a collection company. I just put a complain against XXXX XXXX XXXX at FCC. I want this collection to be stopped at ERC. I dont want it to damage my credit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I strongly believe I have been wrongfully foreclosed on. I am following up and giving you a status on what the banks have done to me and my family by refusing to work with us from the beginning when we defaulted on the mortgage loan. The certificate has been issued back to the bank XXXX OWNER servicer Wells Fargo mortgage. I do n't understand how the big banks got a bailout and they refused to modify my mortgage loan, instead decide displaced us from my home. This was my only and first time home. Now we have lost it to foreclosure. I have been advised they sold the home to XXXX, XXXX and they sold it to another investor XXXX, XXXX for {$110000.00} a double closing. Why could n't they modify my loan for that amount which would 've been afordable. My mortgage loan was for {$220000.00} interest only loan 10 years ago. I am so upset and disgusted. Who is watching over these transaction? 

Company response: Company chooses not to provide a public response