AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Experian online dispute system stated all documents were received. After 2 weeks XXXX & XXXX had updated the item as judgment satisfied. I checked my credit report with Experian it was still on the report and did n't show in disputed status. I called them and was told they never received anything form me or no uploads to there site were found. The customer service person entered the dispute and my complaint about the system on XXXX/XXXX/16. She stated they would call me on XXXX/XXXX/16 between XXXX-XXXX. I never received the phone call. I called Experian back, I talked to a different agent and was told it could take 30 more days to do the dispute and they did not have time for call backs. He would re-file my complaint about there system but that they were not responsible for the website that was another departments issue. They stated if the system does n't show an upload they would not investigate the issue and were not responsible for information entered on the site. This is complete mishandling of PII ( Full name, SSN & DOB ), especially from a credit bureau. According to their representatives they are not responsible for any information that you give them over the phone or via their web-site. How is this possible? I request information into what happened with my PII and my claim file via there websites on-line dispute center and document upload site. I also would like the dispute done with XX/XX/XXXX-XX/XX/2016, due to the miss handling of my online dispute and PII. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I could not get my report online from XXXX and Experian 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am in foreclosure. In 2006 XXXX XX/XX/2006 refinanced my home fraudulently. I did not request a loan and I did not sign any documents for them or any escrow company. I do not have knowledge of who requested the loan, or received money from the loan. Wells Fargo eventually has my loan and I did fall behind because of loss of income and could not keep up with my payments. I have completed several modifications asking to have my loan payment reduced and to have my missed payments placed in the rear of the loan. They have repeated denied me. This last medication they would not accept the cash payments that my boards paid to rent rooms from me. They said because it was cash I could not prove they paid rent. I submitted lease agreements and receipts. I finally took the boarders money and got cashier checks and resubmitted to Wells Fargo on an appeal and now they have denied me again. I think I qualify for you to review me under the class action lawsuit to XXXX case. I think it is called the Pick a Part Program. Keep Your Home California had approved me for a {$5400.00} payment to bring me up to date with payments. Now that Wells Fargo has contacted them and not me, they have cancelled the payment they were going to give me. They said it was because of the information Wells Fargo has submitted to them. I was submitted payments to Wells Fargo but could not bring it up to date. Wells Fargo returned several payments to me and said they wanted all money that I was behind. I continue to save the money that I have to pay on my loan but they wo n't accept it. According to my property profile the following finance companies are listed for my loan. XXXX XXXX, XXXX, XXXX " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( XXXX times ), XXXX, XXXX XXXX XXXX ( two-times ). I did not sign any documents or these companies. A XXXX XXXX, Senior Loan Negotiator for XXXX DRE # XXXX XXXX, Ca. XXXX, XXXX fax. I now know this was a scam and illegal, he came to my home and said he could save my home and did nothing. He charged me {$1500.00} and I have the receipt where I paid him. We told him he violated SB XXXX and he said take it up with XXXX, because he does n't work for them any more. He drove a XXXX XXXX license plate number XXXX. I have documents to share if you tell me where to email them or fax them to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX. I also have XXXX XXXX XXXX that has my permission to talk to you, and you talk to her, she has been helping me file paperwork. She is my neighbor. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I thought this issue was resolved. I cancelled my credit card with Bank of America, but they soon sent me another one ending in XXXX. I did not request it or activate it. Instead I cut it up and discarded it. Yesterday, I got an unsigned letter from Bank of America telling me they reduced my credit rating, issued me a credit line of {$500.00} due to delinquency on an account or payments on an account that were insufficient. The problem here is that I have NO active account with Bank of America. I have none of their credit cards, no loans, no debt whatsoever. I feel I 'm being harassed and punished for NOT activating their unrequested credit card. 
How do I restore my good credit and get Bank of America to leave me alone? 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received calls almost daily for months from XXXX indicating that they are attempting to collect a debt for XXXX XXXX ( this is not me ), and to call XXXX to be removed. I have dialed this number and followed the instructions at least 10 times with no resolution. I called XXXX to " resolve the debt '' so I could speak to a person at least 3 times to indicate that I 'm not XXXX XXXX, and to remove me. They will not stop calling. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: For the past several months, I have been getting AUTOMATICALLY locked out of my Wells Fargo Dealer Services Auto Loan account. This is despite not even attempting to log on. I have signed up for online services only ( ie paperless ), so without online access, I can not pay my loan. The scenario is as follows : I attempt to log on, it tells me I am locked out. I change my password and am given access. I view my account and log off. The following day, I receive a message from WFDS that I am again locked out ( which I am. ) These messages have been coming for several months. I have called customer service 4x and have been given various explanations, none of which make sense : " you do n't know your password, '' " you are cutting and pasting the temporary password '', " you 're not logging off properly '', etc. Each time I have called, I have been promised follow up, and have received none. 

Finally, on XXXX/XXXX/2016 I called and was connected with the Office of the President. I spoke with XXXX, employee # XXXX and explained my entire situation to him. He told me that he would call me on XXXX/XXXX/2016 to follow up, but has not. The case number is XXXX. 

I have extensive documentation ( ie 100+ emails ) supporting my claim. I am unable to pay my car loan because of this issue with WFDS. I am concerned that my credit will become adversely affected if I am not given proper access to my account. I am reporting this issue to XXXX XXXX as well. 

I am attaching multiple attachments. This is NOT an exhaustive list of all the emails that I have received from WFDS ; it is only a sampling and I began receiving these daily emails months ago. Also note that I was NOT being locked out of my account because of failed log-in attempts - these lockouts were automatic. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Since XXXX 2015, I have been suffering financial hardship resulting from a severe medical condition. Because I have a past due balance on a closed credit card account with USAA Federal Saving Bank ( FSB ), USAA FSB has restricted access to all my accounts ( i.e., banking, credit card, and insurance ) online. I have not been able to get any of my statements electronically since XXXX 2015. Neither can I make any payments. Despite this, USAA FSB continues to send me email notifications that my account statements are available online and does not mail me any statements. When I called USAA FSB to request my deposit account statements, I was told I would have to pay a fee of {$10.00} for each statement. The representative agreed to mail the XXXX 2015 bank statements for my XXXX deposit accounts and waived the fee, but told me I would have to call back Monday for the XXXX statements. 

How am I supposed to monitor my bank account activity or know how much I owe or even determine how much I might be able to pay USAA FSB if I do not receive my statements? I am attaching a copy of emails, along with screenshots of my attempts to log in to get the account statements. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i was asked to sign up for a credit card in Macy 's in XXXX. i gave the cashier my info she gave me a slip and the merchandise charge was on the card {$26.00}. i did not recieve a bill nor the card so 3 weeks later i called Macy 's to pay my bill and let them know that i did not get the card. i gave my account info got a confirmation number and paid it by phone. today i called to cancel the card because i did not receive it. The rep told me that i have a balance she said that the payment did not go through. I gave them correct information. She wants me to pay about {$95.00} due to late fees. This is bizzarre, it makes no sense. is this really a credit card or is it a hoax. this is the number i called Macy 's Credit Customer Service XXXX the cashier gave slip which i still. my confirmation number for my payment which was on time XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, XXXX my debit card was fraudulently used three times at a nearby ATM by someone who stole my card and pin numbers. I had never visited the ATM in question, and I notified Ally Bank within a few hours of the fraudulent transactions occurring on my checking account. Within a week, I had filed a police report with my local police station in XXXX, MA, and provided Ally with the police report on my transaction dispute forms. After a few more days, a detective at the police station called to let me know that they had a suspect that they believed had fraudulently used my cards. On XXXX XXXX Ally granted me a provisional credit for the entire disputed amount, and I believed the case was resolved. In early XXXX I received a letter from Ally stating that their research concluded that the disputed transactions were " authorized and correct '', and my provisional credit was reversed on XXXX XXXX, XXXX. Ally did not provide me with their research report, and indicated that they had not contacted the police department where I filed my report. I immediately followed up with the police department and the detective assigned to my case confirmed that they had not been contacted by Ally, and that they indeed had a suspect for my case. He also mentioned that it was part of a larger, multi-state FBI investigation. After many calls to Ally I was told that my transaction dispute had initially been escalated to the wrong department, and that my case would be re-opened. On XXXX XXXX, XXXX I re-sent my transaction dispute forms and police report to a different department at Ally. As of today, XXXX XXXX, XXXX, I have neither a provisional credit nor a timeline for resolution. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: RE : Service Bureau Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX They refused and failed to Acknowledge if they are bonded TX SOS. 

They state the FDCPA does not require them to provide an original, certified or attested " copy '' of the document creating the debt, copy of document authorizing them to collect debt, or copy of surety bond. They refused to provide requested documentation as requested in a Texas Debt Validation letter. 

Thank you 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The company that 's handling this specific debt, AR Resources, says that I owe money on XXXX different accounts with them. Upon the evaluation of my XXXX credit report, I found out that they 've still continued to list this debt TWICE, and have never corrected the issue. XXXX account was listed since XXXX XXXX, and the other since XXXX XXXX. To date, they 've never come forward to explain themselves and their error in judgement. This may have caused my credit to be rated more poorly, as well as other related issues. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: i worked for a the XXXX and was under a contract for a term or 8 months where i worked XXXX, XXXX. On my final month out, i was routed back to my home XXXX in XXXX and was neither given a reason why nor a return day to work. i contacted my dispatch the following day and was given no return day. This took place in the last week of XXXX XXXX i applied and currently work locally in XXXX and was not contacted by the company until 2015 where i received a letter that they would like me to return to work for them. i do not wish to return to work for a company that decided to abandon its employee nor do i have the luxury to abandon my current post just to serve a couple days that i would have finished back then. they wrongfully and with no good reason sent me home and are now trying to charge with a ridiculous amount of money for training they never did. i served my time and made them plenty of money. i wish for them to remove whatever debt they claim i owe 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX XXXX HAS AGREED TO REMOVE INQUIRY FROM MY REPORT. 
DELETE XXXX INQUIREY FROM MY REPORT DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Us Bank Home Mortgage did not pay the real estate taxes due on XXXX/XXXX/16. Today is XXXX/XXXX/16. Therefore we still do not have the XXXX to file on our taxes. I am not sure if this affects our credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: My father and I both have been members of USAA, for over 25 years. Approx.. 2 years ago my father recognized his inability to care for himself and manage his responsibilities and chose to come live with me. In exchange for his living with me and my providing full-time care, we agreed to live off his retirement. I was made his power of attorney and also the executor of his estate. 
My father 's XXXX became progressively worse. His XXXX became prominent. 
In mid XXXX ( 2015 ), while attending to his bills by phone with USAA, they told me that he had " revoked '' the POA. My father never informed anyone of this. Unfortunately, XXXX XXXX, 2015, my father passed away. I do know that my father 's attorney stated that he could not make any changes to POA, as my father was now out of state. And, POA 's need to be changed through an attorney, witnessed. A USAA representative, XXXX XXXX, claims that he could and he did accept my father 's request to revoke the POA over the phone. XXXX XXXX also claims that my father informed him that he was not responsible for any debt in his name, and that I had created his debt without his permission and was using his credit cards without his permission. None of this is true. Without ever contacting me in regards to any of this, USAA, began closing my accounts. 
I was initially told by XXXX XXXX, that if someone could corroborate my claims, things could be reversed. My brother, did speak with XXXX XXXX, but nothing changed. Then XXXX XXXX, assured me a letter from my father 's physician would reverse the actions. XXXX XXXX, and USAA have been provided such a letter. They do not confirm receiving the letter much less take any action regarding repairing the damage. They refuse to discuss anything with me. I live out of country at this time, and I have no way to open new accounts else where, for banking, insurance, investments, etc. Not to mention all of my bills are now behind, and considered past due. I am sickened by all this, not to mention it is in the middle of mourning the death of my father. I have been a good standing member of USAA for over 25 years, and now this. Please Help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A CD account was opened with XXXX bank in 1996. This bank was subsequently acquired by XXXX XXXX and then Wells Fargo. I am trying to recover these assets but Wells Fargo claims to not have the account or proceeds. I have also checked with the state of Missouri unclaimed accounts division but they have no assets for these account holders. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Hello, I am writing to submit a complaint against Wells Fargo, a company that provided me with a credit card and has charged me with XXXX time interest despite the fact I contacted this company in trying to avoid this charge. 

In XXXX of XXXX I acquired a credit card at the store, XXXX and XXXX. The card was provided by Wells Fargo, and according to the terms of the credit card, no interest would be charged for my purchases for up to a year. Since XXXX of XXXX, I made monthly payments to the credit card. 

In XXXX of XXXX I was notified that the card was no longer valid, since XXXX and XXXX cancelled their agreement with Wells Fargo. This meant that I could no longer use the card, which was contrary to the contract signed by me. I did not care about this ; and I continued to pay my debt. The last payment was due on XXXX XXXX XXXX. I made my payment a couple of days later, unaware of the fact that I had been penalized with additional interest. At the beginning of XXXX, my balance was {$390.00}. Since my payment had been late I was charged {$240.00} in interest. This increased my debt from {$390.00} to {$680.00}. 
On XXXX XXXX, XXXX I called Wells Fargo trying to explain that missing my payment had been an honest mistake, and that I had totally forgot the deadline. During this phone call I expressed my willingness to pay my remaining balance ( which was close to {$400.00} ) in trying to avoid the interest payment. I also reminded the people of Wells Fargo that this account was not of any service to me going beyond XXXX, since the card had been cancelled in XXXX. I naively thought that since we were still within the month of XXXX, the people of Wells Fargo could at least show some understanding and offer a reasonable solution. Yet, after half an hour on the phone and having spoken with XXXX different representatives from Wells Fargo XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, I was only offered a reduction of XXXX dollars. According to Wells Fargo Representatives this was the only help they could offer. 

I am writing this complaint hoping you could stop this company from applying such unfair interest to customers such as me, who despite being late by a couple of days, made monthly payments throughout a year. I am appalled by the lack of understanding of companies like Wells Fargo, who can change the terms of a credit card when they want, but would not extend the same understanding or courtesy to their customers. I believe this practice to be unfair, arbitrary, and capricious. As a result of simple, brief mistake my balance -- on the eve of being paid off -- almost doubled. I understand if nothing can be done to help me, but I honestly hope you can look into this so that other less fortunate individuals avoid getting trap by Wells Fargo 's arbitrary practices. 
Thank you XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I am unable to find a link where I can dispute an ongoing case and thus do n't want to lose my ability to turn in documents that would support my dispute of actions that the bank, the object of my complaint, purportedly undertook. My case number is XXXX. My name is XXXX XXXX. My email is XXXXXXXXXXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: US Bank XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX they said i ought XXXX i never had that bank and even that money they stole my identity 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Incorrect information was listed on my report, resulting in the rejection of lease application. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: A problem was previously resolved where the mortgage company, BSI Financial, put us into foreclosure for supposed missed payments. We filed a complaint with CFPB Claim # XXXX, and this was cleared up and supposedly rescinded as this was their mistake- we made all of our payments and provided proof. We continued to make payments and again they are saying they did not receive payments for XXXX and XXXX although they have attached proof. Our account manager, XXXX XXXX, calls my home harassing us, and refuses to give my wife any information and says she can not speak to her even though she is listed on the loan. Sometimes she does speak to her and other times she says she can not. We are tired of being harassed. We make our payments timely each month and they cash them, then say they did not receive them. Last time it got to the point that they started foreclosure proceedings. This time they are saying they did not receive XXXX payments and are charging us late fees even though they cashed the checks. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I sent FMS a letter ( attached ) asking them to provide proof of debt. ( delivery confirmation attached ) because I had received a letter from FMS saying they are attempting to collect a debt and that I need to respond within 30 days, ( letter attached ) which I did. They sent me a letter stating that they would and that all debt collection would cease until debt verification ( letter attached ). I still have not received proof that this debt belongs to me and they have now started reporting this debt on my credit report. 

They are in violation of fcra. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Ditech mortgage will not update my account and I can not make my payment. If I do, they will not apply the money to my account, but will instead hold it in a separate account. I contact them every month through my account and they have never responded. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Inquiries not authorized are on my file and trans union says it is a matter of public record that ca n't be disputed 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response