AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have tried several times to remove a checking account and debit card from my Paypal wallet. Every time I try to remove either, I receive these errors : " Sorry, you ca n't remove this bank account because of a pending transaction. Please try again later '' or " Sorry, you ca n't remove this card right now. Please try again after all transactions have been processed. '' There are no pending transactions, and my last transaction was over XXXX weeks ago. 

I have been trying to XXXX out this checking account in order to close it. I added my new checking account to my Paypal wallet, but the automatic payments I have set up through Paypal charged the old account, resulting in my bank charging {$70.00} in overdraft fees. 

According to the Paypal Community Help Forum, this is a common problem and several on this thread have theorized that it is in Paypal 's best interest to make it as difficult as possible to remove your accounts from being associated with Paypal : https : XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: the Hippa law as been violated as my medical information has been made public to my credit report agencies. This is a violation of my privacy.INCLUDED IN BANKRUPTCY 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX, XXXX Issue : Mother needs to be released as Co-Signer on Daughter 's Student Loan Accounts There are XXXX student loan accounts for me, where my mother is listed as a co-signer on. The agencies that serviced these accounts are Wells Fargo, XXXX XXXX XXXX, and XXXX. They have just written off my student loan accounts this year. Wells Fargo offered me a pay off my student loan since it dated back to XX/XX/XXXX. I was n't aware they reported it as a write-off on my mother 's credit reports. 

I have been struggling paying my student loan accounts and have been on my own since XX/XX/XXXX. It has n't been easy with taking advantage of the use of forbearances and in/out of jobs over the years, doubling up on my payments, but I have managed/struggled to pay them myself. My mother has always taught me to be responsible for paying my own loans/debts, how to manage my mother ( as little as it is ), as well as being mindful of my credit and the consequences. 

What I did n't know was that when my mother recently tried to apply for a Wells Fargo checking account, so that she can later purchase a home, and she was denied because of my student loan accounts, which were paid and written off. Her credit has suffered for over fifteen years now from being a co-signer, and I 'm just wondering how long a co-signer has to endure their credit being messed up because of my credit situation. She has long paid her dues and this is just pure torture from XXXX, XXXX XXXX XXXX, and Wells Fargo. My mom 's own credit is great and yet my old student loan debt has made it hard for her to acquire her own good credit history. 

This is totally unfair to my mother whose credit has suffered from my pas inability to pay my own student debts and become more financial responsible. She ca n't apply for a home loan because of this situation and it is totally unfair. Is there not a statute of limitation for co-signers? This has gone on way too long. 

I have myself through numerous disputes dating back several years, tried to get this issue resolved with the credit bureaus, who only take the word of the creditors. Wells Fargo, XXXX, and XXXX will have nothing to do with these accounts since they wrote them off, but they are more than happy to report negativity on them. 

I truly hope you can rectify this situation, not so much for myself, which I continue to struggle with debt, but thanks to my mother, will never give up on balancing life and debt, but for my mother, whose credit history has been suffering long enough for my issues. I am working hard to build my credit back up, and my mother 's has suffered and been damaged as a co-signer of my student loans. Please help by having my student loan derogatoriness/damaging information be removed from my mother 's credit report as a co-signer. 

Sincerely, XXXX XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We have a Citi Best Buy card and have for years. Last XXXX we fell behind on our payment, due to the XXXX my husband lost his job. I thought Citi would work with us, unfortunately they would not budge. Our account went 3 months late. Even though I was making a payment, since it was not the full amount, Citi did not care and continued to add late payments. On XXXX XXXX, 2016, I spoke to an online chat rep asking if they could please lower the interest on the card so it would be more manageable for our family. I was told no and basically that I was irresponsible for letting the card go over its limit. I asked them to state that as a Citi repr they would not help us with the payment, I was again told I was irresponsible. I was n't asking to remove the debt, just to have a payment that was manageable. We have made every payment on time for years and were treated horribly at a time we needed to the help. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX in XXXX Florida fraudently charged my credit card after agreeing to only use it for a {$1.00} XXXX time to get me started. They did that I repeated on tape that that was all I approved 5 times they agreed. Then they charged my card {$100.00} the next month forcing me to file a complaint and close my account at a cost to myself. Then I asked them to correct their billing they sent me a XXXX fee which again i was recorded agreeing to and no more then the charged the {$100.00} against a card instead of the {$49.00}. Then they would n't reduce it to what they promised I sent XXXX emails. They refused tried to negotiate {$60.00} instead of {$79.00} plus installation of XXXX which orginally they said was free. Now after I disconnected and repeatedly asked for bills at the {$49.00} for the XXXX month I was with them and sent back all my equipment which was verified with them and emailed XXXX more times they said they would have a manager review and work with me. They did n't they sent it to a collection agency fraudently. it was disputed at their level XXXX times via phone and email never verified now they have sent it to a collection agency and trying to charge for equipment they verified they received and XXXX know what else after they broke our contract by defrauding me with the use of my bank account and charging more then agreed. XXXX is disgusting in their fraud of lies of cost in using a bank account in a way not autherized and now not verifying a debt I demanded of them. Lastly my wife set up this account using my name and social security number which I didnt approve 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Called Transunion to lower my monthly bill. They said, " the computer randomly selects who receives a lower rate, call back next month as see if the computer selected you. '' Really we are gambling with my membership and ability to monitor? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Approximately 1 1/2 years ago I submitted proof that I have no tax liens against me by suppling Fed tax lien release docs to all three reporting agencies. I also dispute any claims that I have unpaid or delinquent medical bills. There is nothing else that I am late with. I se3nt the letters by certified mail and to date, I have never heard from any of them. I will attach the docs that show the tax releases. I hope you can help me, as I am sure you are aware that it is very difficult to get any response from these agencies. 
Thank you for your help XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a checking account with TCF Bank. On Monday XXXX XXXX, the balance in the account was {$51.00}, purchases were made at XXXX XXXX for {$12.00}, XXXX XXXX for {$11.00}, XXXX XXXX for {$3.00}, and ( local grocer ) for {$7.00}. I checked my balance online the morning of Tuesday, XXXX XXXX, and saw that the XXXX transactions had posted to his account and funds had been withdrawn, and the remaining balance was {$16.00}, then he went to ( local grocer ) and purchased some groceries for a total of {$32.00}. I realized that this transaction was going to cause an overdraft ( for which he has protection ) and he decided to make the purchase anyway, knowing he would be assessed an overdraft fee of {$37.00}. When payday came on XXXX XXXX, he got online in the evening to check the deposit and found that the balance was much less than he had calculated. TCF had charged him a total of XXXX overdraft fees at {$37.00} each, XXXX of which were assessed on XXXX XXXX and a fourth fee was assessed on XXXX XXXX. We ( my wifeand I ) called the bank this morning ( Saturday, XXXX XXXX ) to notify them of the discrepancy. XXXX customer service reps and XXXX Lead Customer service Reps explained to us that the fees were assessed on the previous XXXX transactions because they were not actually posted, but pending, on XX/XX/XXXX and the bank posted them on XX/XX/XXXX along with the XXXX transaction. They blamed this on the merchants stating that TCF can not control when the merchant will make the demand for payment. TCF is using this process of " pending '' transactions to assess more fees to the customer, and then blaming the merchants when there is a complaint. We plan to close our account with TCF as soon as the payroll deposit cam be changed, but other customers need to be aware of this fraudulent practice, and merchants need to be made aware that TCF is blaming them. If TCF were the only bank we do business with, we would fall for this scam, however, we also bank with a local small-town bank and a bank much larger than TCF and we know that this practice is not " an industry standard '' as TCF representatives claim it to be. In the end, the TCF lead rep agreed to take off {$15.00} and then agreed to remove XXXX of the XXXX overdraft fees. To avoid this happening in the future, they offered that we could apply for a line of credit or open another savings account and link them, that way we would only be charged {$10.00} for each transaction. They still owe us {$74.00} which we seem to have no recourse for but to take them to court which would cost us more. This is criminal and they are getting away with it. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have no idea what constitutes a " final response '' from Trans Union. Please change your form so that this unreliable question is not a forced-choice requirement on your complaint forms. I need to get a copy of my TU report to XXXX XXXX XXXX XXXX which requires it to join. I have a security freeze on my report to minimize the amount of false junk that TU puts in my file. Today when I called it to temporarily release the freeze, it refused to do so. It also took a very long time, transferred me around and forced me to repeat the same information twice to XXXX different people. Along the way, I could not remember some number TU assigned to my account some time ago when I placed the freeze on my file. TU then wanted me to answer " security questions '', including where I use to work. I do not want to provide information to TU since it is a hostile party to me and is built on a business model that is hostile to my best interests. I do not want to confirm or deny that I use to work at any particular place, since I have seen it use this as a way to confirm its own records. I have nothing to gain but usually something to lose confirming information to TU it may not have obtained or have valid confirmation for. I asked the TU representation to ask me another, alternative question and he refused to do so. So, as is the usual drill with these obnoxious corporations that traffic in your personal information, then try to get you to confirm the garbage they collect and invent for you and then try to sell, I can not get them to release a report to XXXX XXXX XXXX XXXX. 

Please require Trans Union to release my credit report to XXXX XXXX XXXX XXXX only and then immediately reinstitute the freeze on my account. In particular, I do not want TU selling personal information about me to any third party whatsoever besides XXXX XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX is trying to collect {$130.00} from me for a termination fee on a mini iPad. I have my receipts given at time of. Sale that clearly show termination fee of {$0.00}. About six hours after the purchase, I received a new contract via email that I did not agree to. This new contract contains a termination fee and my signature is forged on the contract and it 's clearly not mine. I went to XXXX and they told XXXX XXXX XXXX that I did not owe the fee but XXXX XXXX XXXX has pursued me for it. They have now turned it over to a collection agency to collect. The collection company is Prince-PARKER & Associates, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX. This company notified me by mail on XXXX XXXX, 2016. I replied on XXXX XXXX, 2016 stating that I do not owe this debt and included the receipts showing that I do not owe. Since then I have emailed them 5 times asking for proof of the debt and included my receipts. They have never replied to me as of this date. I believe they are in violation of Debt Collection laws as they will not respond to me, they will not supply proof that I owe the debt, they will not do anything. Today I called them and was given the excuse that they sent my paperwork back to XXXX XXXX XXXX and waiting for a response from them. That is not the way the law governing collection works. Today they also told me that XXXX XXXX XXXX says I owe the debt and will be " coming after me ''. They were quite nasty and threatening to me, a XXXX person XXXX. They told me they would come to my home in a very threatening manner. 
I pay all my bills on time and currently have a credit score of XXXX. I told them if they damage my credit I will sue they. I was told that they wo n't damage my credit but they will DESTROY it!! I classify this as harassment, again a violation of the law. PLEASE USE THIS AS AN OFFICIAL COMPLAINT AGAINST THIS DEBTOR COLLECTOR. I have never had a debt collection letter in my life but I 'm not going to pay something that I do not owe. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: In XX/XX/2011 I had to move my family out of an apartment at XXXX XXXX XXXX XXXX XXXX due my wife and newborn baby becoming very ill as a direct result of the apartment we were living in having black mold. The apartment manager agreed to allow us to move out due to the circumstances. Since that time the management company of the apartments, XXXX XXXX XXXX XXXX XXXX XXXX has placed a collection balance with a collection agency that in-turn has placed a derogatory collection entry on my credit report with all three credit reporting agencies. The apartments and management company furnished me with a letter on XXXX/XXXX/11 ( letter attached ) advising that the collection item would be deleted from my credit report, but to date it has not. 

Company response: Company chooses not to provide a public response
Consumer complaint: In late 2011 I had to move my family out of an apartment at XXXX XXXX XXXX XXXX XXXX due my wife and newborn baby becoming very ill as a direct result of the apartment we were living in having black mold. The apartment manager agreed to allow us to move out due to the circumstances. Since that time the management company of the apartments, XXXX XXXX XXXX XXXX XXXX XXXX has placed a collection balance with a collection agency that in-turn has placed a derogatory collection entry on my credit report with all three credit reporting agencies. The apartments and management company furnished me with a letter on XXXX/XXXX/11 ( letter attached ) advising that the collection item would be deleted from my credit report, but to date it has not. 

Company response: Company chooses not to provide a public response
Consumer complaint: Approximately late XXXX I was contacted by a company stating I was overpaid on my XXXX disbursement a few years prior. Not knowing whether this was a legitimate debt I responded back wanting an explanation. I was not contacted back. 
In XXXX XXXX I was sent a letter from Professional Credit Services stating I owed a debt of {$1000.00}. I responded back to them asking what this debt was concerning. They responded back and said I would need to contact Oregon XXXX as they were not sure. 
I explained to them that if they were the XXXX collecting they needed to provide me with the information as it was not my debt. 
I did not hear from them again until mid XXXX stating that I still owed {$1000.00}. 
I consulted an Attorney friend and explained what was going on. As I was not paying for his sevices he just gave me some direction. 
on XXXX I wrote the Following. 

To : Professional Credit Services I am requesting ALL documentation regarding this matter of {$1000.00} owed. 

Please mail all documents to my address, and allow me time for me an an Attorney could look them over to see what action should be taken. 

One week later they responded with a letter stating I would have to contact Oregon XXXX. 

On XXXX I wrote them back telling them being they had not provided me with any documentation, or any proof of this debt I was not taking any responsibility for this debt. I explained to them I had not had anything to do with Pers in over 10 years. 

On XXXX I received another letter stating I still owe {$1000.00} and to contact them. I immediately wrote them back stating I do not feel I am responsible for this Debt and I feel they are harassing me and if the debt is correct why has it taken over 10+ years and there may be statutes of limitations. I explained to them to either leave me alone or take me to court to settle this dispute. 

Today XXXX I received a response letter stating they want, my attorney name, phone and address. As I have not retained an attorney and do n't feel I should have to at my expense. 

Could you please advise me as to the direction I should take as I am fed up dealing with matter. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Experian ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/XXXX in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX continues not to update my credit file with all XXXX bureaus they state foreclosure an wrong amount I owe. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm XXXX years old. I have a full time steady job and make XXXX. I pay no rent and do n't have many bills, I 've been trying to get a car for a while but my credit score always says XXXX not bad or good but just XXXX I need help I really need to get a car I have money for the down payment and monthly payments I just need some sort of credit to help me 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Quite a few year 's ago I had helped out a friend and put her cell phone in my name, which was a huge mistake. I found out a few year 's ago when I went to go purchase a cell phone of my own that I could not purchase it because someone had been using my information. I knew it was not me because I had no cell phone at this point. I now I see on my credit report information of an address that is not mine and I am terrified that someone is using my information.PLEASE help. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have settled with XXXX XXXX XXXX over 5 years ago to an amount that was less than owed to them. They have received payments up to the total settled. XXXX XXXX XXXX never sent me a letter stating that the account was settled. I do n't know why they keep these figures on my report. 
I have contacted them on many occasions and they are ignoring my requests. As far as I can say, I have fulfilled the terms of the agreement. They say that the person working the arrangements, XXXX, does n't work there anymore. How is that my fault if the employee handling the account is gone. This does n't speak were highly of a multimillion dollars corporation.In the meantime they are messing up my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been contacted by USAA seven times today. Five times within one and a half hours. I had n't been answering the calls and when I did finally answer the call I spoke with " XXXX. '' He informed me that it was " irrelevant '' as to how many times he contacted me as long as I had n't answered the phone. I am submitting this complaint to inform XXXX and USAA that their collection methods are annoying and harassing and I would like it to stop. I will be submitting a written letter and request to USAA as well. 

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