AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I CLOSED MY BANK ACCOUNTS WITH U.S. BANK 2 MONTHS AGO. THEY SENT ME A LETTER STATING THAT THEY CLOSED MY ACCOUNTS. IN THE MEAN TIME, THEY RECEIVED MY SOCIAL SECURITY CHECK AND WILL NOT RETURN IT. I FILED COMPLAINTS WITH THE BANKING INDUSTRY AND THE XXXX. I ALSO ASKED THAT U.S. BANK NO LONGER CONTACT ME. U.S. BANK CONTINUES TO CONTACT ME. THEY SENT ME A BANKING STATEMENT LAST WEEK AND THE FOLLOWING TODAY : View this email as a Web page. View our Security Policies. 
U.S. Bank ( R ) U.S. Bank ( R ) Action : Your primary email address has been changed. 
Date : XX/XX/2015For your protection, U.S. Bank automatically alerts customers when personal information changes on our systems. If you did not initiate the action noted above or need assistance related to this Security Alert, call XXXX XXXX ( XXXX ). Please do not reply to this message. 

To confirm that U.S. Bank delivered this Alert, access the Alerts link within Online Banking, select Security Alerts and view Alert History. 

Online Banking customers can receive other important account activity alerts, like low balances, when payments are due and much more -- all for free. Sign up or learn more today at usbank.com/bankonline. 

Find us on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) U.S. Bank MobileXXXXBranch XXXX ( XXXX XXXX U.S. Bank Mobile1. You may be charged access fees by your carrier, depending upon your personal plan. Check with your carrier for details on specific fees and charges. 
EMAIL SECURITY INFORMATIONEMAIL SECURITY INFORMATIONEmail intended for : XXXXXXXXXXXX your privacy is our priority. We 'll never initiate a request via email for your sensitive information like your Personal ID, Password, Social Security Number, Personal Identification Number ( PIN ) or Account Number. For your safety, never share this information with anyone, at any time. If you receive an email asking for your sensitive information, or would like to report a suspicious email, forward it to XXXXXXXXXXXX or call U.S. Bank Customer Service immediately at XXXX ( XXXX ). 

Get more details about recognizing online fraud issues. 

Note : If you 'd rather not follow links from this email, you can access information on all U.S. Bank products and services at XXXX. 
To ensure that you continue to receive email from us, please add us to your Address Book ( XXXXXXXXXXXX ). Thank you. 

You are receiving this message as a service to your account because you are enrolled in Online Banking. U.S. Bank automatically alerts customers when personal information changes on our systems. 

View the U.S. Bank Privacy Pledge. 

U.S. Bank XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( C ) XX/XX/2015 U.S. Bank, N 

Company response: Company chooses not to provide a public response
Consumer complaint: My identity was stolen and accounts were opened as a result this account is reporting on my credit report and with your company is fraudulent and you continue to report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, I bought airline tickets using my Bank of America credit card, on XXXX XXXX website ( XXXX ). There were a total of XXXX transactions on my statement for this purchase : XXXX tickets ( {$1000.00} each ), plus XXXX seat upgrades ( ranging from {$29.00} to {$100.00} each, for a total of {$530.00} ). 
Despite the fact that these tickets were purchased on a US website, from a US merchant, in US dollars, Bank of America charged a foreign transaction fee of 3 % for each of those XXXX transactions, totaling {$80.00} in fees. 
I contacted Bank of America and requested that they cancel and refund these fees. Bank of America representatives maintained that the fees were correctly charged and legitimate as the transactions were processed in XXXX, and refused to refund them. 
This is a deceptive and abusive practice as there was no way for me at the time of the purchase to know that there would be such a fee ( as, again, I was making a transaction with a XXXX merchant on a XXXX website in XXXX dollars ), and therefore I could not avoid those fees ( by, for example, choosing a different method of payment ). 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 my husband and I traded in our vehicle which still had a loan with Wells Fargo but had equity and used it as a down payment on a new vehicle. We traded it into the dealership XXXX XXXX in XXXX XXXX, CA. Two months later we bang receiving collection calls from Wells Fargo stating that we were behind XXXX payments. I informed them that we had traded the vehicle in and they stated that it had not yet been paid and was now being reported as delinquent to our credit. We kept trying to get in contact with the dealership but all they would say is that we were no longer liable and they would look into payment. On XXXX XXXX, 2015 Wells Fargo received a payment from XXXX XXXX for all but {$83.00} of the balance of our trade in. When we contacted the dealership about this they said that the lady that handles the pay offs will be out of town for XXXX weeks. In the meantime, we continue to receive numerous collection calls and our credit is still suffering because of it. Neither Wells Fargo or XXXX XXXX will help us with getting this resolved and expect us to pay this amount to stop the collection calls. While it is a small amount, it is unfair to force us to pay the penalty because of XXXX XXXX mistake. It is also not right that our credit is now showing delinquency because XXXX XXXX did not take care of their responsibility. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX - XXXX XXXX XXXX XXXX contacted me with a request for full payment for an amount due on my PayPal account. I closed the paypal account and have made regular payments to PayPal. The account is not behind and is in paid each and every month. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XX/XX/XXXX /15 i got started in the IL.Hardest Hit program, I did all the requirements requested in a very timely matter as requested, such as to provide all documentation as requested. I even had to give them XXXX years of Tax returns with with over at least XXXX pages! BY the time I was almost in the program Wells FARGO CAUSED me to not be eligible by saying to get my loan current, the amount would be {$34000.00} on XXXX/XXXX/15 IL. Hardest Hit program sent me a email to inform me that! I was in shock, as soon as I got home that day I called Well Fargo they told me that the amount was {$18000.00}! They also faxed me a XXXX document the same date XXXX/XXXX/15 saying that, and i also got a letter stating the same thing XXXX days later! The same night I faxed and emailed theXXXX letter stating what the amount was, so she said she would forwrad it to her boss! XXXX days later they told me that wells fargo was adding escrow fees and some other fees to prevent me from getting into the program!!! That was {$35000.00} that wells fargo kept me from getting also since they sold my lone! 
THANKSXXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been disputing an account that does not belong to me with National Credit Systems since 2009. The account was removed from my credit with the Credit bureaus. Now, National Credit systems has placed the account that was removed 6 years later back on my credit. I have contacted National credit certified mail just like I did 6 years ago, and still no response back from them. National Credit Systems has never sent me a billing statement, a response letter, or a notice stating my right to dispute. They do not send anything. Instead, they just keep accessing my credit report without my consent. I have never opened an account with National Credit Systems, therefore, it is illegal for them to possess any of my personal information. I have never done business with National Credit Systems, therefore, it should be illegal for them to access my credit file. I did not do business with National Credit Systems, therefore, they have no right to list or continue to list this account that does not belong to me on my credit file. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: A few months ago, I received a voice message apparently was about my Barclay Credit Card. I returned their call to clarify the matter, but the person I talked to started to ask for my personal information including my SSN. Knowing that I do n't have any credit card with Barclay, I readily said that I am not giving any information about myself because I do n't have any credit card with Barclay and I have no intention of applying for XXXX. 
I continue to receive phone calls from them in which I did not pay attention for obvious reasons. Until I heard another voice mail that it was now under fraud investigation. Out of curiosity, I again returned their call. When I asked about the fraud investigation, the guy again started to ask for my personal information which I refused. I told him that I do n't have any credit card issued by Barclay and if there are applications under my name, they should not approved them. 
On XXXX XXXX, 2015, I received a mail from certain XXXX XXXX dated XXXX XXXX, 2015 informing me that their investigation has concluded and the fraud claim has been denied. That, I will be responsible for the payment on the account as well as any applicable associated fees and finance charges. I immediately responded to XXXX XXXX on XXXX XXXX, 2015 informing them again that I did not apply for any Barclay cards and have no intention of applying for XXXX. That I will not be responsible for the payment of any account relating to any Barclay Cards for it is obviously fraudulent. 
When I was checking my credit score yesterday via XXXX XXXX, I was so upset to learn that I have a past due account with Barclay amounting to {$1700.00} which is now XXXX days late with XXXX missed payment and at 86.15 % credit utilization. Apparently, the account was open last XXXX XXXX, 2015 but was just recently reported to the credit bureaus. This account was only added to my credit report after my last update on XXXX XXXX, 2015. 
I immediately filed disputes to all XXXX credit bureaus about this account. This fraudulent transaction had significantly affected my current credit score. Thus, this complaint. 

Company response: Company chooses not to provide a public response
Consumer complaint: My account is current and One Main Financial continues to call and harass me. The say that I am lying about my payment about how often they call. And today I went to the local office after yet another call from them. And they told me that I did not pay enough to get my account current and made me pay another {$12.00} after they had already taken {$150.00} out of my account on the XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a victim of identity theft. Barclays Bank Delaware opened an unauthorized credit card in my name using personal information. My credit report shows Barclays Bank Delaware made an unauthorized credit inquire on XX/XX/XXXX, then sent me a billing state for unauthorized charges totaling {$4.00}. The identity theft has been reported the XXXX Reporting Company disputing the Barclays Bank Delaware account was made on XX/XX/XXXX and a fraud alert has been placed on the account. I want CFPB to prosecute Barclay for fraud and theft and any other relief deemed proper. 

Company response: Company chooses not to provide a public response
Consumer complaint: My daughter is in her XXXX year of XXXX at XXXX XXXX XXXX and the University of XXXX in XXXX, TX. She has taken out a number of loans from various financial companies to finance her XXXX education, including XXXX XXXX Loans and Citibank. She has always been prompt in asking for deferral or forbearance until she completes her program. Recently, she discovered that XXXX of her loans with Citibank had been sold to XXXX and then, in a very short period of time, resold back to Citibank, declared delinquent and then turned over to a collection agency. At that time, the debt collectors then began calling me to demand payment of the full amount. No one at any time contacted me about the past due status of the loans, nor did they contact her either by phone, voice mail or letter. The fact that the loans changed hands XXXX during this time frame has made communications very difficult and confusing. I should note that XXXX has loans with Citibank that ARE in deferral, adding to our frustration and confusion. Both my daughter and I fully intend to honor the debts. Had Citibank or XXXX acted in good faith and communicated adequately at all, this would have been avoided. All we ask in this complaint is that the XXXX loans be removed from delinquent status, that XXXX be allowed to pay the past due amounts and that repayment of the remainder of the XXXX loans be deferred until she completes her program in XXXX 2016. I would also ask that my credit reports from the reporting agencies be repaired by removing these delinquencies. 

Company response: Company chooses not to provide a public response
Consumer complaint: account with XXXX XXXX XXXX for {$36.00} has been paid in full Original XXXX on XXXX 2014 this account is showing open. after contacting XXXX XXXX and been tolld account is paid in full and closed and was to be removed from all XXXX credit reports still shows open and on reports 

Company response: Company chooses not to provide a public response
Consumer complaint: they try to sell me more XXXX and services to make money did not correct information in file all XXXX credit Bareau. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/2013, I XXXX with the XXXX XXXX to the XXXX XXXX. My civilian pay stopped at this point. It took many weeks after several delays for my XXXX pay to be established. During this period my HELOC payment to BMO Harris Bank was late as a result of the income lapse. Attempts have been made to have BMO Harris Bank remove this negative mark from my credit report due to my XXXX status. BMO Harris Bank has rejected my request. 

Company response: Company chooses not to provide a public response
Consumer complaint: My paypal account has been put in a negative balance by paypal because another paypal user claimed to have their account hacked and then used to purchase something that I sell online. There were XXXX transactions which amount to almost two thousand dollars. Now, my other paypal account has been limited, and paypal has frozen the entirety of my money. Which includes money I need to live, pay for my prescriptions which are vital to my well being, and just daily expenses. I have provided paypal with enough evidence to prove that the other party involved lied in order initiate a chargeback, and therefore, leaving me with such a large negative balance. I have correspondence between XXXX XXXX and I. There are emails, proof that they were in fact the owner of their paypal account, and screenshots. I provided overwhelming evidence to paypal that they were in fact in the wrong, but they still decided to freeze my funds. Months have passed and they still are telling me that I am required to pay the debt. Not only did I lose my product, but I also lost the money I received as payment for said product. I have called countless numbers of times trying to solve the issue, but paypal will not budge from it 's place of power. I have been taken advantage of the fact that the seller is almost guaranteed to lose a dispute against anyone that starts one against them. I have not been able to pay any bills, eat, or get my prescriptions vital to my well being. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I filed for bankruptcy in Feb.XXXXbecause of a divorce, received moneyfrom divorce in XX/XX/XXXX, I paid all bills I filed filed on and withdrew the BKBankruptcy.Today is XXXX and still have not been able to get this taken offtaken off my credit report. It is showing a dismissal, I did not go throughwith this yet it is still on my credit report. I have been denied a Home loana small poersonal loan, a credit card, an apartment. and even had to payhigher prices for utilities to be turned on. I am a senior citizen living on afixed income, I feel i have been treated un fairlly because of this BK. It is effecting my credit score XXXX points. I try very hard to keep my creditscore up. 

Company response: Company chooses not to provide a public response
Consumer complaint: This collection agency, repeatedly calls my husbands number and sons number. To inquire about me after being told repeatedly to stop calling. They call from a ( XXXX ) XXXX and say to call another number which is XXXX ( XXXX ) XXXX. To resolve this issue. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Transunion has sent me a copy of a document dated XX/XX/XXXX which they claim confirms the tax lien which I am disputing is valid and legally allowed to be reported to my name for a dispute in XX/XX/XXXX. I am flabbergasted at this companies actions and terrible investigate work in verifying a dispute dating all the way to XX/XX/XXXX until today with a document dated nearly 5 years old. They have repeatedly threatened me on the phone and by mail that I am NOT allowed to dispute this item any more. I believe that this is another attempt to lie and fool consumers into shutting up and going away. This lien is no longer under my name I demand that Transunion send me the PROPER and CURRENT documentation if they disagree. I want my signature, my tax returns verifying that I owe anything to the STATE as late as XX/XX/XXXX will be acceptable in avoiding litigation. I want the proper and current dated documents mailed to me certifying and verifying this lien as mine. I want to know who they spoke to and if they forwarded the documents I sent the showing the withdrawal of the lien. This lien was negotiated and paid in full through the 'reconveyence program ' though monthly installments. I have spoken to the Franchise Tax Board personally and they have informed me that they have not received any documentation or calls from anyone at Transunion. Please delete this withdrawn, inaccurate and invalid lien from my credit report immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: Re : Exxon/Mobil gas credit card - credit price vs. cash price. 
Previously, when I have used our business gas card my regular Mobil station ( s ) has applied the lower, cash price, to the gas card transaction. On XXXX/XXXX/15, while at an unfamiliar Mobil station, I was charged the higher, credit price, for my gas card transaction. 
This seems to be, at some level, a bit of consumer information fraud. The lack of consistency is XXXX thing, the failure to disclose to the consumer is yet the large issue. The consumer has no way of knowing the amount he/she will be charged ( cash or credit price ) when using their Exxon/Mobil gas credit card until starting the actual transaction. 

I 'm surprised this has not become a class-action lawsuit yet. 
Thank you for investigating. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX/XXXX/XXXXTo whom it may concern, I hope you can help me. Here is the situation/information. 

The original creditor was XXXX XXXX and reported my debt to collections on XX/XX/XXXX a total amount of {$1600.00}. XXXX XXXX then turned around and sold this debt to XXXX which placed this same amount as a new debt on my credit report/collections on XX/XX/XXXX. From my understanding this debt is suppossed to be from the original debt date. This should have fallen off my credit report and I want it removed as a new dept. I do have the original purchase order if you need me to fax it to you. I do n't have a scanner so I can not scan the information in to this computer. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was first alerted to a credit fraud problem when I was unable to access XXXX of my free annual credit reports. XXXX said I had already received my report, which I had not even attempted this at the time. I then attempted to get my free annual credit report through Trans .... and was unable to answer the identity verification questions. I was ; however able to access the XXXX other credit report which listed numerous upon numerous, mostly medical care bills in default that I have never been notified of existing. I already requested a fraud alert to be placed on my credit accounts ; however am still unable to access them to review of any other fraudulently activity. I have also recently been a victim of identity theft as XXXX of my bank accounts alerted me of fraudulent activity which absolutely proved to be the case. This is not the first time I have been a victim of identity theft and even have identity theft coverage ; however they have not proven to be worth the money spent on them. What exactly are the steps I may take to finally resolve these issues and finally correct my credit report? 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been trying to get fraudulent information originating from a collection agency that is trying to collect a debt from someone with a different name address and social security number removed from all of the reporting agencies. I mailed a dispute to Transunion and after XXXX days with no response I tried to use their web site to find out what is going on, unfortunately for me I am locked out of doing so due to my bad memory, several years ago I used Trans unions web site and set a password I can no longer remember with an email address I no longer use and a secret question I can not recall, They give a phone number to call but the barely audible person who answered insisted she can do nothing without the forgotten information. I have tried XXXX times to deal with the barely understandable phone support to fix this without result. I mailed my dispute XXXX days ago with absolutely no response from Transunion, I can not use their web site because there is no way for old people with bad memories to fix forgotten passwords. I have been economically harmed by the credit reporting agencies accepting information that even a child would recognize as not relating to me. A different name address phone number marital status and social security number with active accounts XXXX miles from where I live. How is it even possible for the collection agency to dump all of this completely different information into my report, I have lived at the same address for XXXX years, openly used only XXXX name, reported my income taxes using only XXXX social security number ( the one I was given XXXX years ago ). How can I suddenly live in XXXX and XXXX at the same time? Work in XXXX distant places at the same time? Buy groceries in XXXX and go out to dinner in XXXX at the very same time? That this is still not fixed shows the credit industry has no regard for the victims of their incompetence. I can not reset a forgotten password but a dishonest collection agency can give me a new name, a wife, possibly children, several new addresses, a new phone number, a new social security number and a complete credit history that takes place XXXX miles from where I live. 

Company response: Company chooses not to provide a public response