AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Best Buy / XXXX XXXX have repeatedly fraudulently and with gross misrepresentation challenged a valid credit card dispute for services not rendered and/or provided in a wholly worthless manner. Accordingly this debt is not mine and they should not be allowed to misuse the chargeback dispute resolution process to attempt to collect funds from me I do not owe! 

Company response: Company chooses not to provide a public response
Consumer complaint: Barclays Bank Delaware XXXX XXXX XXXX XXXX, XXXX DE, XXXX ) has twice in a years time issued a credit card fraudulently in my name to thieves, after contacting XXXX my credit score, XXXX whom I had requested a credit freeze. Additionally, they substituted the phone numbers of the thieves for my contact telephone number into my personal information XXXX. This was just descovered in XXXX while monitoring my credit reports. Finally, after being notified by phone, by mail and by XXXX, they have not removed the fraudlent account from my credit file XXXX after 8 months! XXXX. Please investigate Barclays Bank which appears to be fraudulent themselves. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/15 I bought XXXX XXXX from Best buy XXXX Month financing agreement, for that reason I apply their credit card. 
To get my credit card I called Best buy XXXX times, They wo n't send to me my credit card or monthly statement, For that reason I requested ' to close my account and let me now my unpaid balance ;, In the first time they mailed to me unpaid statement Balance {$540.00}, the statement included past due balance {$56.00} and fee charged $ XXXX called to Best Buy card service ; I talked to her Name - XXXX her ID No. XXXX on XXXX/XXXX/15, they agree to remove the above charges, because they never mail to me statement or my credit card. 
According to my agreement I paid minimum amount {$100.00} on XXXX/XXXX/15. 
On XXXX/XXXX/15 I checked my credit score ; because of their bad report my credit score is damaged. 
I called Best Buy credit card service, I talked to her Name XXXX, her ID XXXX, and she told me my credit score will fix soon, but my score not fixed, Without my mistake they damaged my good History, so you may help me to fix my good name. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a HELOC with Regions Bank XXXX years ago. I borrowed essentially the entire credit line, and I 've been making timely payments since then. Recently, I noticed that I was charged an " Inactivity fee '' of {$100.00}. While I took note of the fact that inactivity fees were listed in my agreement when I signed it ( and this is typical of all HELOCs ), Regions Bank has decided to interpret the meaning of " activity '' in a new and deceptive way. Even if your credit line is fully in use, they will charge an " inactivity fee '' if you do n't take a *new* advance each year. 

I believe that this is a deceptive practice at a minimum, and may violate the terms of my agreement, as it expressly does not say that a " new '' advance must be taken each year -- only that there must be an advance each year, which I interpreted to mean that my line is in use, given that this is an " inactivity fee. " I believe that Regions Bank is defrauding all of its HELOC customers by charging this fee, and that their actions are based upon a questionable interpretation of their contract language which actually constitutes a violation of their own agreement. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX credit card accounts with Barclay Bank : XXXX Rewards and Juniper. On XX/XX/XXXX I submitted a request for XXXX balance transfers to my Juniper credit card in the amount of {$390.00} and {$1400.00} because I am supposed to have 0 % interest until XX/XX/XXXX. However, the balance transfer was process with my XXXX Rewards Account instead of the Juniper account. I believe this was done intentionally as my XXXX Rewards account only has 0 % interest until XX/XX/XXXX. I contacted customer services and requested they fix the issue and process the balance transfers with the Juniper account as previously requested, but they are claiming there is nothing they can do. This is FRAUD. I did not authorize those balance transfers to my XXXX Rewards account. I do not understand how this is legal and okay. I am sick and tired of these banks trying to find ways of ripping of the consumers who keep them employed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have notified enhanced Recovery Company that I am disputing this debt and that it does not belong to me, and they have not provided any verification of debt information and refuse to remove the item from my credit report. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: There is incorrect credit card showing up on my account with name XXXX which is opened in XXXX of 2014 and had some balance of {$330.00} was never paid off. I have never applied for this card and me or someone related to me has never received any benefits related to those credit card charges. I have requested company to proceed quickly and close this case so that my home mortguage can be approved. 

XXXX has already removed it but other XXXX companies are not removing these charges. I have also filed the police report for this fraudulent credit card with the case number XXXX. And I have already disputed this with these companies companies and their early response will be greatly appreciated. I have attached report from one of the bureau to show this issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received tens of phone calls daily. 
I received threats of foreclosure on my home if ever a payment was late, despite my payments being made. 
I was told by employees of Green Tree Servicing to " borrow the money '' when I was unable to make payments due to financial hardship. 
When I did not answer my phone, Green Tree Servicing employees called all of my neighbors and told them to leave notes on my door. 
My neighbors and I were called on public holidays including XXXX. 
I was called at inappropriate times through out the morning and evening. 
I actually had to disconnect my land line due to harassment by Green Tree Servicing. 
I was refused options and assistance when I requested that my due date for my payments be changed to when I was receiving a pay check ( the last week of the month ). 
I was harassed at my place of employment to the extent that my boss told Green Tree Servicing and myself that if it continued I would lose my job. 
I wrote a letter requesting that Green Tree Servicing cease all contact except by mail and they continued to harass me via my neighbor, XXXX XXXX and call her phone tens of times daily. 
I received a letter in the mail stating that I owed them over {$4000.00} right then and there or legal actions would pursue in XXXX of 2014 for no apparent reason. I had been making my payments consistently for years. When I called to ask why I still owed money, I was given a vague and insufficient explanation and told that I still had to make payments otherwise I would be taken to court. 
I was told that my account had been charged off for a payment being over 180 days late, but I have made all except one payment and the one I missed was well over six years ago and I contacted them and after hours of harassment was told that it would be " tacked on to the end of my loan ''. 
I was informed that because some payments were late years ago, that my interest changed and that I was then only paying on interest, which does not seem right to me. 
I have requested a written explanation of the fees that are owed and the total amount that I have payed Green Tree Servicing on several occasions to XXXX XXXX XXXX? ) and was refused every time. 
I was refused any receipts of payments since XXXX of 2014 by XXXX XXXX XXXX? ). 
I was refused a bill since XXXX of 2014 by Green Tree Servicing, but if I stop paying them I receive a letter saying they will pursue legal action. 
When I called and talked to XXXX in XXXX 2014 to demand an explanation, I was told that it would be written down as a refusal to pay despite the fact that I was saying I would pay I just wanted to know what and why I was paying, threatened with court and hung up on. 
My account states online that it is closed in XXXX 2014 and when I asked for an explanation of why I am still having to pay, why I do n't receive a bill and why I do n't get a receipt for my payments I am belittled followed by insufficient and vague answers. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am writing this letter in regards to the complaint case number XXXX ( Citi bank fraud complaint number reported to XXXX XXXX XXXX which I filled on XX/XX/XXXX. In which Citibank/ Sears have issued a credit card to someone under my credentials back in XX/XX/XXXX, which has a due of XXXX and was never paid off. It has started to bring my credit score down to subsequent level. 
I have never opened any account with Citibank/ Sears and either me or, someone related to me have never received any goods of services from this account. So I request you to close this account and inform all three credit bureau 's immediately. Since because of this fraudulent account mortgage banks are charging me high interest rates then they would have charge me otherwise. 
I have already filled the police report for the following incident with the case number XXXX. I have already signed and send the documents they requested a week ago I want bank to proceed quickly in resolving this matter since its costing me to pay more money to get home loan and I have been spending lot of hours to get this dispute corrected. If this gets pushed beyond XXXX XXXX and my mortguage bank charge me additional interest rates then they would have charged otherwise I would be pressing those charges against Citibank/Sears because I am not responsible for this. 
Please feel free to contact me anytime at XXXXXXXXXXXX or XXXX XXXX XXXX if you have any questions or need more details 

Company response: Company chooses not to provide a public response
Consumer complaint: purchased car in XXXX from Condor Capital Corp. called on XXXX/XXXX/XXXX rep XXXX to request to skip a month payment and add that payment to end of loan. XXXX after keeping me on hold for XXXX minutes informed that if I paid {$370.00} they would let me skip the month -- he informed that supervisor advise. Not acceptable then I requested if I could make partial payments for two month -- XXXX informed me that was acceptable. then he informed me that I had two late payments from XXXX -- never received any notification -- did put in bill payment then cancelled because of no notification or dates. Called around XXXX that invoice stated that I had made a payment then added the same payment -- XXXX informed that he would correct and saw the mistake. XXXX paid {$45.00} for late payment due to the fact partial payments Paid {$150.00} on XXXX ; XXXX paid {$72.00} ; XXXX paid full payment {$440.00} ; XXXX paid {$220.00} ; XXXX paid {$220.00} ; XXXX paid {$220.00} ; XXXX paid late payment of {$45.00} In XXXX started paying {$440.00} very month. Received a certified letter that On my account # XXXX that I owed {$940.00} called on several occasions where did my partial payment go. No one was able to inform me. Requested a call from a supervisor -- " XXXX '' called when I was at work -- called several times never returned my calls. Received a letter on XXXX/XXXX/XXXX that my check of {$440.00} had not cleared. Contacted them immediately -- no help. Contacted XXXX XXXX XXXX they had to fax the information several times to a " XXXX '' the rep this time was XXXX she was going to send me a report on my payments. XXXX XXXX XXXX found out that they had cashed this check from bill pay then processed again for payment. want to know what happen to my payments. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Hunter Warfield calls almost daily in attempt to collect information from me on a relative. They have no right to try to use me as a source of information and such calls are simply harassment. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Wells Fargo Home Mortgage - Loan ModificationDuring an economic downturn that resulted in a real estate market collapse, my family lost most of our income and was struggling to provide basic necessities for our XXXX children. My husband lost his business. It was a difficult time for us. It was difficult to get a modification done - very difficult. 

After a 3 year process of a continuous declines Wells Fargo offered my family a home modification agreement. This agreement was signed XX/XX/XXXXThe terms of the Loan Modification Agreement offered on XX/XX/XXXX was as follows ; 1. New amount payable under the Note is {$700000.00} 2. Interest Bearing Principal Balance {$570.00} based on the appraisal of the house. 3. Deferred Principal Balance {$120.00} 4. Forgiven Principle of $ XXXXOn XX/XX/XXXX we received a XXXX XXXX envelope with a letter included in this complain, that states : Wells Fargo discovered that they did not show us " clearly '' how they arrived at the new principal balance within Modification Agreement. 
They changed the Principal Balance to {$780.00}, XXXXWhich is {$77000.00} more than the modified principal under XX/XX/XXXX Agreement. 
This is unacceptable and deceitful. Please investigate. We will can not accept this new principal balance. Our income is limited and we are working hard to make payments and pay off our house. This increase is not justified as there is not basis for it. 
Included are the original modification and a letter / modification with enlarged balance. 

Company response: Company chooses not to provide a public response
Consumer complaint: Company : Wells FargoSchool : School XXXX XXXX XXXX, XXXX applied for a Six-Month forbearance on my student loan in XXXX or XXXX of this year, when applying the associate I spoke with informed me that if my financial situation had n't improved by the end of the forbearance period I would be eligible to apply for an additional forbearance of six months. 
I 've struggled with XXXX that have inhibited my ability to be as productive as possible since graduating college in XX/XX/XXXX. I 've been employed off-and-on during this time. First at a local hardware store, then, after an internship opportunity in XXXX that I allowed to slip because of my illness, and a period of unemployment and even XXXX XXXX ; at a local ski shop. Exacerbating this is my total debt : upwards of {$230000.00} and growing daily. I 've finally reached a point where I feel I am making some sort of progress, working with my doctors and my family ; however, these sorts of psychological hardships are completely ignored by ALL of my private financiers. 
When the six months were up ( this XX/XX/XXXX ... Bill due XX/XX/XXXX ) I immediately called Wells Fargo customer service to begin the process of applying for an additional forbearance while I continued work on my career outside of retail. The representative I spoke to was apprehensive at first, saying something about XXXX payment required -- when I explained to him that the employee that I spoke to in XXXX had assured me I 'd be able to receive the additional forbearance he said something to the effect of " Oh yeah, that 's right, you need to call back closer to your billing date, though. " I assumed the information provided to me by multiple customer service representatives at Wells Fargo was correct and I waited until the day before my bill was due to call them to complete the application process. What happened next was astounding. 
Every single representative apologized, the information I had been provided previously was incorrect, there was nothing they could do, my bill was due the following day. I struggled for hours -- being punished for misinformation provided by their own customer service representatives seemed less than fair, possibly criminal. 
I have no doubt in my mind that the customer service representatives at Wells Fargo are trained in subterfuge, to delay these sorts of requests until it 's too late and then to completely shut down any hope of delaying billing. 
We 've began the process of loan modification but we 've been informed that our bill is still due, I 'll be forced to make below-minimum payments and to deal with possibly months of harassing collection calls. 
As someone already suffering from a handfull of XXXX illnesses the thought of surprise default or even just continued deceit can be quite literally crippling. 
I would never have signed up for higher education, had I known at XXXX ( when I was still asking permission to use the restroom in highschool ) this would be the cost. 

Company response: Company chooses not to provide a public response
Consumer complaint: VA overpaid XXXX compensation after notification to stop payments, while I was XXXX. VA refused to accept spousal intervention to stop collection, and reported a unpaid debt to credit agencies. This is a violation of Federal Law ( Soldiers and Sailors Relief Act ) to incorrectly start a negative report and payroll recoupment while service member is XXXX. Credit Reporting agency is not be allowed to accept inaccurate reports without verification, just because it is from the Federal Government. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX at approximately XXXX I received a call from XXXX XXXX with advance collections bureau in regards to account XXXX creditor XXXX XXXX {$1700.00} I was very confused when I received his call I had no idea what he was taking about I asked XXXX to please provide documentation for what he was taking about he later sent me an email with a move out invoice a lease agreement from XXXX XXXX apartments after I review the information I recognize the account o signed 6 months lease for apartment number XXXX XXXX XXXX with XXXX XXXX apartments in XX/XX/XXXX. 2 weeks into the lease the apartment upstairs cought on fire and I was ask to move out because my apartment had water damage and the roof could collapse. Now a year later I receive a call from a collection agency claiming I have a past due balance with XXXX XXXX apartments for apartment number XXXX please note I never signed a lease for apartment number XXXX. The lease I sign was for apartment number XXXX. Today XX/XX/XXXX I received another email from XXXX with a different amount of {$1000.00} but again no lease agreement for apartment number XXXX. He sent me a copy of the lease agreement for apartment XXXX where it shows clearly that someone changed the number XXXX to a XXXX. Please see images below. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: In XXXX XXXX, had a {$37000.00} loan ( they describe it as a Line of credit ) however it was a one time deposit to my account, with set payments of {$660.00} per month for 60 months. That said I have been paying on this loan for over 90 months. I am in the military and have been XXXX from XXXX to XXXX. Now that I am back in the XXXX, I have had time to try to see why this has happened and the Bank of America stills expects 6 more payments of {$690.00} plus. 
I have called them and asked how a set number of payments has gone over Seven years expecting to surpassing Eight Years, I would not have took out a consolidation loan that would take over Six years to pay. We are going on Eight Years and I have not received anything from Bank Of America to resolve this. They sent me a application from XXXX that has minimal information concerning myself. They sent me more paperwork that has the loan amount and term 60 months and then the 4 pages of terms and agreement. 
My last communication with the company the service rep said he would forward it up to a division that will investigate why this may have happened. 
From speaking with several representatives, in XXXX the Loans like the one I received were discontinued and called something else. In XXXX there was some other change concerning my account but the rep could not tell me, other than he would forward my situation to another division. I have paid over {$60000.00} on this {$37000.00} loan and I am certain this was not what I agreed to in XX/XX/XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently disputed the accounts with both XXXX credit and XXXX billing due to the companies reporting on my credit XXXX. TransUnion, did not provide me with the dispute information that was returned by the creditors after the 30 days timeframe. After the allotted 30days to report info from these companies, TransUnion still allowed them to updated information to my credit. The beginning balances and account numbers are the same on each account, this is considered duplicate reporting. These companies have also, failed to provided my with documentation stating where the balance is coming from. This company has also, reported information multiple time within a month. 

Company response: Company chooses not to provide a public response
Consumer complaint: The XXXX XXXX rental thats on my account were paid off.On the balance it show '' s balance {$0.00} not sure why its on my report??? you can call them anytime they will also tell you it was paid XXXX is the store phone number. that status says it was closed cause it was paid off all XXXX of them from same company 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed for Chapter XXXX bankruptcy and XXXX was aware of the debt. I disputed the amount owed and XXXX would not reduce the amount to the correct amount. 

I never received further communication nor did I receive any communications from Allied Collection agency to review the bill as well as dispute the amount. They posted the account open on XXXX XXXX 2015 yet never notified me. I only found out today because my score dropped almost XXXX points which was a XXXX credit score and now is a XXXX - ruining my credit and defaming my name. 

Company response: Company chooses not to provide a public response