AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I had a credit card from XXXX that was charged off back in the year XXXX. The account was then later sold to a Florida entity named XXXX XXXX. Around from XXXX XXXX to XXXX XXXX I was on a duty XXXX. Upon my return a year later with no prior correspondence the collection company served my roommate. I showed up to court and made payment arrangements that were inflated with interests. While I was making payment, I called in and inquired about making a payment that consisted of a large sum to be distributed evenly across a number of months. The representative on the phone accepted the payment and they defaulted me the following month for non-payment. I was a student and not working, they placed a lien on my bank account. I had a lawyer submit a file to remove the lien and told them he would be representing me from that point forward. Since then, the attorney has n't received neither calls nor correspondence from XXXX XXXX XXXX XXXX, neither have I. On Monday XXXX XXXX, at about XXXX XXXX a sheriff showed up to my apartment with a court execution order to levy my property. He parked behind my car and forbade me to leave the premises without handing over my car keys unless I wrote him a check for {$4600.00}. I pleaded with them that this car is how I earn my income as a ride share driver, he called a town truck and impounded the car with a notice to resolve the matter in 45 days or the car would be sold. Since then I have filed a Notice to Defendant of Right Against Garnishment, Wages, Money, and Other Property. I contacted the collection agency and the person handling the case advised me to have my lawyer contact them. He has tried for the past three weeks and has n't successfully spoken to anyone except for a secretary who told him someone will return his call. It appears I have n't been giving any choice in this matter. I was under the impression they 'd want their money but instead they rather have me suffer and not earning an income. I do n't understand how this is justifiable. I 'm going 21 days without my car. It 's costing me {$32.00} per day on average to travel to a per Diem job where I 'm only earning {$85.00} before tax. My hands are tied at this point, I just want to resolve this issue. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went online to the Bank of America online banking to view my mortgage account. On my Summary account page it shows double the amount that it should. Today XXXX as mentioned my online banking accouunt shows XXXX identical mortgages and a zero balance for my Principal Forgiveness mortgage. No on has been able to explain why my online banking page shows XXXX mortgages or why that page shows a balance of XXXX dollars. I have spoken to XXXX representatives in XXXX different departmments and no on has answered my question. BOA was forced into the Principal Forgiveness Program apparenetly due to unsavory practices. I wonder is this another? XXXX associate at BOA stated that my present mortgage balance was XXXX dollars. Another associate stated that my mortgage balance was XXXX dollars, yet online shows XXXX dolllars. I am a XXXX veteran and I unfortunantely suffer from XXXX and I get VERY VERY upset when professsional ethics are in question. Especially wjhen the representativess can not clarify nor rectify THE ( IR XXXX mistakes. Any help will be greatly appreciated. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have contacted Transunion Regarding Unauthorized Inquiries on my credit report, and I have supplied Transunions Fraud Department with the police report and they still did not address the concerned. They simply stated that I contact the creditors themselves and ask them to remove, however in speaking to them they referred me back to the credit bureau. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Fraudulent InquiresXXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXXInquiry Type : IndividualRequested On : XX/XX/2015XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX ( XXXX ) XXXXInquiry Type : IndividualRequested On : XX/XX/2015XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXXInquiry Type : IndividualRequested On : XX/XX/2015XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXXInquiry Type : IndividualRequested On : XXXXXX/XX/XXXXXXXXXXXX/XXXXINQUIRY DATE XX/XX/XXXXXXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2014, I requested a wire transfer from my savings/brokerage account at XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, to my Ally Bank, XXXX. XXXX XXXX, XXXX XXXX, PA XXXX individual checking account in the amount of {$3000.00}. The funds were drafted and I was charged a wire transfer fee of {$25.00} on the same day. The wire reference number was XXXX. I confirmed the XXXX and routing number to be the correct values with both institutions. XXXX claims that the funds were accepted, Ally Bank claims that they never received them. XXXX claims that they can not recall funds after they have been sent, Ally claims that they can not credit funds without a wire transfer receipt. I am at the end of my rope, and would appreciate any guidance that you could provide. 

Company response: Company chooses not to provide a public response
Consumer complaint: This summer, I tried to get the free copies of my credit report from the XXXX agencies. I have to report that it was very difficult. I was only able to get XXXX ( XXXX ) ; I had to pay for XXXX ( i.e., sign up for a {$1.00} trial at Experian ), and I was never able to get XXXX XXXX report. The free website would lock up, it was very difficult to use, and the whole process took hours. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: The debt collector, Grant & Weber, refuses to prove that the debt is still valid and enforceable by failing to provide a copy of the signed contract. The difference between the debt being valid and expired depends on the existence of a signed written contract. Regardless, consumer has attempted to resolve the unpaid medical bill but collector is charging interest in violation of the FDCPA as they have failed to provide any evidence that they can collect interest. Further, debt collector states that medical provider will not negotiate a settlement which is a bold faced lie. They refuse to engage in negotiations and refuse to waive interest charges, yet the continue to report this account on the consumers credit report every month as an unpaid debt. The debt is nearly 6 years old. Their conduct is unfair, deceptive, and the practice of charging interest without a contract or law suit is a systemic and intentional violation of the FDCPA. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: United Consumers Inc. sent me a notice stating that I owe {$150.00} to XXXX XXXX XXXX XXXX, however they are refusing to provide me with a bill. I have asked to cease collection activity until the debt is validated and they refused, which is a violation of the Fair Credit Reporting Act. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

RegardsXXXX.XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid off the balance of my Bank of America credit card right before a scheduled 10-day trip to XXXX, because I wanted to use the credit card for my purchases in XXXX. Just as I embarked on my travel, Bank of America reduced my credit limit by more than {$2000.00}, without any warning, and in the middle of my billing cycle. Bank of America deprived me of credit during my travel and they were totally indifferent to my appeals to them to restore my credit limit. As a result, I experienced a serious shortage of funds during my travel. I was traveling with my family during the time ; by taking away my credit, Bank of America did not merely inconvenience me -- they created a real crisis that endangered me and my family. 

I would not have paid off the balance on this credit card if I had known that they would take away the credit that I wanted to make available by a repayment. 

Bank of America did extend a " temporary authorization '' of {$500.00}, but this was wholly inadequate to pay for travel expenses during a 10-day trip to XXXX. I explained this to Bank of America and they were completely indifferent to the serious crisis that they inflicted by their credit reduction action. 

Company response: Company chooses not to provide a public response
Consumer complaint: I attest that I am XXXX XXXX, and the owner of the verbiage that is contained in this dispute. 

1. I have previously disputed the XXXX XXXX, Acct number -- -Account Number : XXXX, with Trans Union . 
2. Trans union claims they have verified this account, please see the dispute results attached. 
3. No Credit Card account has EVER been established by me, with XXXX XXXX. No card, was received, no activation occurred and XXXX has NO history of this accounts existence. 
4. Please delete this inaccurate account. 
5. Please provide the Method of verification, along with the Name, Address or other contact details utilized in your investigation. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 
Now these creditors that were showing on my credit report they were removed but now they are trying to pursue for collections activities. These accounts were opened without my authorization and ALL COLLECTIONS ACCOUNTS must be removed immediately! 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been trying to pay off my mortgage since XXXX/XXXX/15. I first attempted to have my bank make a payment only to be told by XXXX/XXXX/15 that my mortgage company, LoanCare did not receive the payment and that my bank had sent it to the wrong address. I later learned that this was incorrect information and that in fact the address was correct. I then stopped payment on the check since no one at LoanCare could tell me if they had received the check and the customer service rep had advised me the payment in the amount of {$90000.00} was mailed to the wrong address. LoanCare cashed the check the next day ( XXXX/XXXX/15 ) and charged me a {$30.00} NSF fee. 
I then spoke to a supervisor who told me that it would be best to wire the funds -- I did this on XXXX/XXXX/15. My bank confirmed the funds ( {$91000.00} ) were wired on XXXX/XXXX/15, and I called LoanCare almost every day following only to have the customer service reps tell me that they still had not received the funds. Of course, there was no one they could transfer me to to let me know if they had received the funds. I called back again today XXXX/XXXX/15 only to be told that they had received the funds XXXX/XXXX/15 but had sent back the funds today because it was {$490.00} short to pay off the loan. According to their own payoff wiring instructions attached " payoff funds must be sufficient to cover all escrow advances, interest, prepayment penalties, principal, and changes. Payoffs that do not meet these requirements will be retired if additional funds are not received within two business days after payoff department has made contact. '' No one from the payoff department or my mortgage company has ever bothered to contact me regarding the extra {$490.00} needed to pay off my mortgage. I still do not have my {$91000.00} that they kept from XX/XX/XXXX to XXXX/XXXX/15 only their word that it was " returned. '' 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank closed my account without any notice or ability to for me to take action that would avoid the closure. I believe this is an example of unfair and deceptive business practices. My account was in good standing and open since 1998. Citibank claimed that the account was closed due to inactivity. There is nothing in the card member agreement that addresses this topic, nor has Citibank disclosed their policies regarding card inactivity. The card member agreement for this card can be found online at : XXXXI tried to resolve with Citibank, and they forced me to begin a brand new application process that would enter me as a brand new customer. This would void my tenure with this account/institution, and thus have an impact on the portion of my Credit Scores that is tied directly to the length of time that my credit history is intact. This action by Citibank was unnecessary, and it will have a negative impact on my credit rating. As such, my ability to obtain credit from future institutions may be damaged. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

Regards 

Company response: Company chooses not to provide a public response
Consumer complaint: I was the victim of identity theft and started the path to both block the fraudulent information and correct it by alerting the Credit reporting agencies, Transunion being one of these agencies. 
I followed the Credit reporting agencies requirements ( Police report, affidavit, outline of data the result of identity theft, Identification ) to make this happen and the TransUnion Credit reporting agency has not followed the law. As a result, I am still suffering the effects of documented and filed identity theft against me that is being furthered by Transunion not adhering to the protections afforded me in this situation. I 've done everything they 've asked and provided all the documentation and they still have not blocked the fraudulent information from my credit file. 

Below is part of the copy of the letter I sent to them outlining my rights and their obligations under the law. In spite of all the documentation they requested that I sent, they had not and still have not blocked this information. 
Blocking Bad Credit Information from Credit Reports The law ( RCW 19.182.160 ) also provides a civil remedy for consumers. Under the law, a victim of identity theft can block any adverse credit reports resulting from the crime by filing the police report of the crime with the credit-reporting agency and supplying the agency with other proof of identification similar to those above. Provisions are made for denial and removal of the block in cases of fraud or error. The effect is that the victim 's credit record is restored to reflect only the victim 's true credit history. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was the victim of identity theft and endorsements, contracts, accounts, etc., were made without my knowledge, consent, and or authorization. I never signed nor endorsed any contracts or applications that created any accounts for debt service with Kay Jewelers. I have NOT received benefit or value from the proceeds of the endorsement XXXX XXXX ), contract XXXX XXXX ), application XXXX XXXX ) and or the Kay Jewelers account XXXX XXXX ) directly or indirectly. All information pertaining this matter was given voluntarily for the purpose of establishing the fact of signature forgery and identity theft, in addition to blocking the information from my credit report, pursuant but not limited to section 605B of the Fair Credit Reporting Act 15 U.S.C. 1681C-2. Kay Jewelers continues to report an account I did NOT open and/or authorize. Possible endorsements were made using my correct personal identifiable information that were stolen and or lost. Additionally this matter was reported to the FTC and local authorities. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I disputed the XXXX XXXX Mortgage because I do not have a mortgage and have already had it removed from my credit report XXXX. They investigated and updated my credit report. I also do not have an account with XXXX XXXX and disputed it to have it removed from my credit report. Once again XXXX investigated and it was removed from my credit report. I do not understand why there are XXXX credit reporting bureaus anyway. They never have the same information on a person anyway. I think if there are going to be XXXX ( XXXX Equifax ) then they all need to have the same information on a person. That way when a potential creditor pulls a report from whoever they normally pull from, it will have accurate information because all three bureaus have the same information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an account that was deleted on XXXX XXXX from XXXX XXXX and reinserted on XXXX.And it was removed on Experian on XXXX XXXX and then reinserted on XXXX XXXX. I never received any notification that it was being reinserted from either bureau and there was no reason for it to be reinserted. Per the FCRA laws I am to be given a 5 day notification and I wasnt .I have at this point contacted an attorney and will go forward with a law suit if not removed and hopefully with your help it will be removed again finally. 
I want the account re-removed because they have failed to follow the law 1681 a 5 a of the FCRA 611 5b. 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted an investigation back on XXXX XXXX, 2015, and was told that the investigation would be complete on XXXX XXXX, 2015. When I received the new version of my report, the information was still the same as before. When I called them, I was told that they extended the investigation another thirty days for the same item that was submitted back in XXXX. Now, it is taking them 60 days to update my report ... 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a mortgage for my home with XXXX mortgage. I was granted a modification by XXXX on XX/XX/2012. My new monthly payment is {$420.00} XXXX sold or transferred my mortgage to SPS Select Portfolio Servicing Inc. SPS Inc. refused to acknowledge my modification. I have an ongoing bankruptcy case. My modification was filed with the judge that was handling my case at the time and was approved. SPS filed paper in court to dispute my modification. My modification is valid. I spoke with a representative at SPS who told me that XXXX did not transfer the modification. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: URGENT - SHERIFF SALE TOMORROW - XX/XX/2015Hi. I was fraudulently turned down on a loan modification. 
XXXX XXXX is investigating the problems but I just called and he did not pick up. 
His voicemail says he will return the call within 24 hours and by then my home will be sold under a Sheriff Sale. His phone number is XXXX x XXXX. 
Please call him. 
Three weeks ago, I got a call from Wells, Fargo Home Mortgage that my loan was denied because it was over {$720000.00}. I applied on XXXX/XXXX/15 for a loan modification with a loan over {$900000.00} ( Wells, Fargo knew this and sent me the paperwork ). 
I called to say " how could this happen? ". XXXX XXXX told me I was grandfathered for the XXXX loan but the reason I was turned down was I did not provide a profit and loss statement for my real estate company. I do n't have a real estate company and no one contacted me about this. They just want to get rid of my home! 
Then, XXXX XXXX sent me a letter stating that she wanted to help me, but it is to late due to the Sheriff Sale. How can this be? The bank can stop the sheriff sale anytime they want to do it by just calling their attorneys. 
Then I got a call from XXXX XXXX and he said he is investigating the whole matter but that was just last Thursday and the Sheriff Sale is tomorrow. I do n't know what is going on but this in not right. He must stop the sheriff sale so he has the time to investigate this matter ASAP & gt ; Please help me. Thank you, XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed this with XXXX, XXXX and Trans Union several times and they will not remove it. I have given them proof from the bankruptcy court that the bankruptcy was filed on accident by my attorney and they still will not remove it. I filed a chapter XXXX bankruptcy in XX/XX/2010 and it was discharged ( that XXXX is accurate ). I did not file XXXX Chapter XXXX bankruptcies in XX/XX/2010 ( the attorney did by accident and the court documents that I provided to the credit reporting agencies proved this was the attorney 's negligence ). The Chapter XXXX BK filed in XX/XX/2010 reporting as dismissed should not be on my credit report with all XXXX bureaus at all. I can supply documents upon request, however ; the credit bureaus have all of this already and have ignored it several times. 

Company response: Company chooses not to provide a public response
Consumer complaint: have been denied all avenues with BOA, so the terms of my HELCO converting to 180 month payment, 3.5 %, {$84000.00} monthly payment of {$710.00}. It appears that the monthly payment should be {$600.00}. I was told this is what in on the system so it must be correct. 

Company response: Company chooses not to provide a public response