AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: There is a wrong address on the Transunion credit report. I never lived at:XXXX XXXX XXXX XXXX XXXX XXXX NYXXXXPlease correct this information. 

Thanks. 

XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, my father, XXXX XXXX XXXX, wrote me a check for {$2500.00} from his XXXX money market account. On the same day, I deposited the check in my Wells Fargo account at the ATM XXXX located XXXX Alabama XXXX. 

On Monday morning, XXXX/XXXX/15, I phoned Wells Fargo to inquire as to when the funds would be made available, and Wells Fargo 's representative told me that the deposited funds would be made available on Tuesday XXXX XXXX/XXXX/15 ) at XXXX. Tuesday, XXXX/XXXX/15, only {$200.00} of the funds were made available to me. 
I phoned Wells Fargo again to inquire as to why this was happening, and I was told that the funds would not be deposited until XXXX XXXX, 2015. 
When I banked with XXXX Bank, my father wrote me checks from his same XXXX account, and there were never any issues - the funds cleared in the standard two business days ' time. 
I find it highly suspicious that Wells Fargo is holding these funds ; and I know my father to not write bad checks. Personally, I think Wells Fargo 's business practices need to be investigated. I have also contacted an attorney. 
If you need any documentation from me, please find my contact information below : XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, AL XXXX XXXX : XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I was contacted at work by XXXX with Premium Asset Services, a collection company. He demanded I make a payment within the XXXX or they would automatically garnish my next pay check. I explained I have a garnishment currently in effect with another company, XXXX insisted he could enforce 2 garnishments at the same time. Not true. He called my work phone a total of XXXX times within an hour. Then today My General Manager states in an email he was contacted by another XXXX XXXX XXXX, insisting that I contact him immediately. I know this is illegal and they can not harass me at work. XXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I used to have voice over internet with the carrier called XXXX now known as XXXX XXXX and about a year and a half ago I discontinued telephone service with them. However there was an incident in which I moved and in that move I lost a little box that was necessary to voice over telephone calling. The box was about the same size as a deck of cards. I contacted XXXX and explained that the little box had somehow gotten lost in the moves.They said that I owed them {$100.00} dollars for the box. I explained to XXXX that it was an honest mistake and due to me having to move twice in two months, that it was an mistake in which I had ultimately no control over the situation being that the movers were moving me and I explained that I could not afford to pay for the box and that since I was a loyal customer for four years I felt that they should have honored my reasons. I was never again contacted by XXXX. About a year later I began receiving harassing telephone calls from a collection agency stating that they represented XXXX and that they were trying to collect {$120.00}. I asked them what for and they said I owed them money for the lost box. I explained to the collection agency what the situation was and why I did not feel that I should be held responsible for a little lost box and that mistakes happen. I told them that I was filing a complaint. I recently reviewed my credit report and found that I have a collection item reported by the collection agency who supposedly was representing XXXX. I feel that this wrong being that XXXX never contacted me again nor tried to call and discuss the situation and for them to do this is really bad business after I had a legitimate and very logical reason for the issue. I would never deliberately NOT send a little box back to a company for no good reason. I think what XXXX did was wrong and I do not feel that I owe them anything. This is how XXXX treats it former loyal customer 's? I want the derogatory information that XXXX supplied to be removed from my credit report and I want the harassing phone calls to stop. I am requesting your help with this matter and please advise. Thank You. XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Debt is not mineDescribe what happened so we can understand the issue ... 

I have received a XXXX point reduction in my credit score from transition When I got my score in XXXX it was XXXX in XXXX it is XXXX. When I reviewed my credit report I found that XXXX had reported me as having a bill of {$340.00}. I have never received a bill from XXXX and since they put me into collection And have never received a bill from them XXXX XXXX.. ) This bill is showing as 1 year old. If I had received a bill from either one I would have paid it immediately. I have always paid all of my bills on time. I Called XXXX who. Referred me to XXXX. I called XXXX who sent me back to XXXX. XXXX said I would have to go to the collection agency because they can no longer send an itemized bill, when calling XXXX again they said they did n't have one but I should pay it anyway. Why would I pay a bill that I never received and did n't know what it was for. I finally filed a dispute with Transunion and explained that I never received an itemized bill from either XXXX or XXXX. The answer to my disputewas " It was my bill. " That, of course did not answer my problem. I am sure that you would not pay a bill that gave you a number but not itemized and did not know what it was for. I have been given the runaround enough. 

I called XXXX in XXXX because I wanted to unlock my phone ''. I could n't unlock my phone unless I knew I had a 0 balance '' and was told by the billing department that I had a 0 balance and my account was current. I ca n't understand why they would now say this. 
XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: ChexSystems, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX had release to XXXX, FALSE information about my credit report information, consequently, 4 applications for credit were denied injuring my rights to obtain credit. CheckSystems released outdated information, more than 7 years old, which not longer exists becuase of the statue of limitations are not longer legally to report to nobody. Also, ChexSystems provided an old address and phone numbers belonging to other people in other State which is FALSE. There is not any records of any jusgement against me, bankruptcy or liens filed against me by Federal or State goverments. My credit score with XXXX is above XXXX. Therefore, ChexSystems decision to publicly released FALSE information was intentionally made with the objective to inflict personal harm. As the result of ChexSystems'action my applications to obtain credit were rejected by 4 potential lenders. I affirmed that as long ChexSystems continues inflicting personal harm to customers like myself, this company should not be permitted to conduct this type of business. 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion has a habit of ignoring fraud information. Fraudulent inquiries were submitted using a false address that I did not belong to mi. And they refused to delete the hard inquiries and dispute the companies solicitation practiced on or around XXXX XXXX, 2015 today I spoke to Transunion Speciality Handling dept Supervisor and had the call recorded as I gave her several CFPB reports regarding the false address information. I asked for thier legal dept to call back and she hung up. For the last time I informed them that it is illegal not to investigate and dispute fraud inquiries. I am a government XXXX member & never signed anything asking the agency for a loan. No where did I sign application or ask for a single dollar from any affliation and I want total immunity. I am tired of Transunion illegal practices. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have over {$2000.00} a month I am currently supposed to pay in student loans. I am in the income based repayment plan for my federal loans, but my private loans have not been able to work with me XXXX XXXX and Wells Fargo XXXX. I have already files a complaint with XXXX seeing as I have tried everything and am now forced to pay them every month, leaving me unable to make other payments to survive. However, Wells Fargo does have a income based repayment plan, which I was very excited to be a part of. However, after I sent them everything they needed to see if I qualified they told me that " even if we reduce your payment to {$1.00} a month, you still would n't be able to afford it ''. Therefore, they did nothing and I am required to pay near {$700.00} a month to them. I have tried offering to pay $ XXXX/loan a month, but they will not take it and say it will still charge off. I am left helpless, hopeless and unable to function. I am begging for help. I desire to pay my loans, as I am the one who took them out, but I ca n't survive this way. 

Company response: Company chooses not to provide a public response
Consumer complaint: I really do not know the contact info as it just appeared on my credit report. Who is XXXX XXXX? I applied for a position but was told after I arrived from Arizona that I would not be hired as a volunteer. So left as had no where to go. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed all inaccurate and incomplete items on my credit report due to lack of original documentation being provided a few times to no avail. Experian continuously updates my report saying the items have been verified when the FCRA states that if the original documentation can not be produced the allege account or debt are inaccurate and/or incomplete. 

Company response: Company chooses not to provide a public response
Consumer complaint: This account was satisfied with the creditor XXXX XXXX XXXX ) the collection agency was XXXX XXXX XXXX, it was deleted back in XXXX of the current year. I am in the process of buying a house and I come to find out that the account shows up on my Experian report not only did my score go down, my interest rate being offered is higher and I can not buy my house until I get this issue resolved. I need this account deleted ASAP. I am submitting proof of deletion from other bureau. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter on the XXXX of XXXX stating that I owed {$2000.00} to XXXX @ XXXX I do not know these people and do not owe anything.The collection agency is " NCC BUSINESS SERVICE INC.Located at XXXX XXXX XXXX. XXXX XXXX, XXXX, fl.XXXX Phone number XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I would like to report a lender ; CASHCALL INC. I took this loan in XX/XX/XXXX and they approved me for {$5000.00} when I originally only asked for {$2500.00}. They told me I could refund the rest of the money once I was approved. Then they made it extremely difficult for me to simply return the rest of the money ( I spoke with multiple representatives telling me different specifications ) that I ended up keeping it. Since then, I continued paying but I never saw the balance going down until I lost my job in XX/XX/XXXX and they are not willing to work with me in lowering the payment. They keep harassing me with the phone calls and offered to settle the debt for very high amount. I never noticed the interest rate was high or the terms of the contract. According to a recent letter, they send me, I still have XXXX payments left to meet the terms of their contract in the amount of {$370.00} each, which totals {$33000.00}. Finally, they charged off this account in XX/XX/XXXX and this is damaging my credit. They are now demanding to settle this account for a steep lump sum of money, which I do n't have. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: This is filing another complaint against Wells Fargo Bank. I returned a call to Wells Fargo Debit/Atm Corporate Office. I Spoke with XXXX, and explained to her my grievance. She said she would look it up, and assign a case agent in this case. And XXXX told me that it would take ten working days to research. Ten working days? She was not a help at all, and does not help in my situation. I need the Well Fargo Bank to give me back my money immediately. Today, I checked my account and found out that they have taken {$45.00} for overdraft fee, and they have taken {$12.00} out of my checking account for Transfer Fee. There was a reversal of {$120.00} in my savings account, but they have taken the {$45.00} as overdraft, how in the world they keep taking money after money to a zero account and keep charging me with overdraft fee after overdraft fee? I have attached the activity I have in my account. This bank keeps getting my money from each of my account. They would reverse my other fee, and then take the money out to pay them the overdraft fee? This company is a vulture in the industry. How in the world the WF would not know that the hold in this account has been a mistake from the XXXX ( XXXX ), and the XXXX has already faxed their release of my account XXXX, XXXX in XXXX XXXX, and another in XXXX XXXX? They have taken money in EACH of my accounts, including the account of my son! What kind of business practice was this? Are all banks like this? Again, the XXXX claim was their mistake, if WF want to charge someone, they have to charge the XXXX who keep making mistakes in withholding my money although I have already told them and gave them the documentation that I have been a victim of Identity Theft! This was not my fault, why is it my family and I would suffer on this? I do n't know why it 's so easy for this bank to withhold my account immediately, but it 's so difficult for them to return it back to my account. Are they investing that small amount of money first that 's why they wanted to keep it for 24-72 hours? Everything is electronic now and it 's not making any sense to me that it will take them 24-72 hours to return my money. It 's my money, it 's already in my account, they just withhold it. To put it back, click on an option to return and then it 's back in my account, that 's it. I was told by the XXXX representatives, ( XXXX, XXXX, XXXX, XXXX ) that it 's their policy, and that 's how long the process is. So, it took them a minute probably to process the withhold in my account, and it 'll take them 3 days to return the money back to my account? It 's not making any sense especially that they have been told that the hold was a mistake, and that they have received a release fax from XXXX. This bank is very frustrating, and I ca n't say enough but this was not a good business practice, this is a fishy business practice. This bank will set you up to failure. 

Company response: Company chooses not to provide a public response
Consumer complaint: The XXXX XXXX account being reported on my credit report has been settled and there is a XXXX balance. My experian report is not reflecting as such. I am in the process of buying a house and this discrepancy came up. I demand full deletion immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit Collection Service is collecting on a debt for XXXX insurance which was included in a Chapter XXXX Bankruptcy. This entry needs to be removed as it should have never been put on my credit report for collections. Again as stated before this is included in a Chapter XXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: A collection agency is reporting an attempt to collect to credit reporting agencies. I have never been contacted by this collection agent. I do not know for whom they are attempting to collect or what the {$130.00} collection is for. NO ONE has contacted me. I never received a bill I did not pay. I have not been given an opportunity to dispute or pay. The only knowledge I have of this is on my credit reports as negative information. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX sent an account balance that is not over due to Valley Collection Service XXXX LLC. I have never been told that I had to pay this amount of money to the court. I do not even live in the town limits or do I due business in this town of XXXX where the Court is located. The information that I have is account number XXXX Reference Number : XXXX ... .. Does the court have authorized to send my information without my consent ...? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been representing a homeowner who has been trying to do a short sale for several months. The servicer " Wells Fargo '' has had our completed file including the letter of authorization, offer, listing, financials, and hardship reasons for over a month. The negotiator assigned to the file never processed our file properly. the file stayed on their desk without attention for weeks. I had been requesting that the sale date be postponed and that the negotiator review the file immediately XXXX For over a week, which pushed the upcoming sale date closer and closer ) Finally he did finish his review and admitted that he did not follow up on the documents i had sent him in a timely manner. The agent then requested that the sale date be postponed on XXXX XXXX. The file had been completed since the XXXX of XXXX. My letter of authorization was never uploaded properly and each time i called in to get help, the agents stated they could not find my authorization. This issue also was escalated along with the sale date request to be postponed but NEVER resolved at any time! The servicer continues to mis-manage this file and will not help this homeowner have her offer reviewed for a short sale. This is unacceptable. 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2014 while in college, my bank account was compromised and an unauthorized check was deposited to my account as well as my debt card stolen. When it was brought to my attention, I immediately went to the bank location for assistance. I was told there was nothing they could do for me. When I returned home to Texas, I again went to the bank for assistance to no avail. My signature does not match this fraudulent deposit. I did not receive any monies from this deposit nor was my account ever overdrawn due to this unauthorized deposit. I have spoken with over XXXX people in several departments and no one can figure how to resolve. Only after attempting to open an account at another institution was it revealed to me that Bank of America reported the account to XXXX. I am accused of " suspected fraud ''. Again, I did not defraud Bank of America nor do I owe or have owed Bank of America for insufficient funds. I do pray that this complaint filed herewith will provide me relief and resolution of the matter by removing this negative information from XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX charge off account verification. The original creditor was not able to provide any information regarding this account to me. Experian dispute responded as verified. I don not believe they correctly investigated this account 

Company response: Company chooses not to provide a public response
Consumer complaint: Company that 's reporting to my credit file under false/unlicensed name. In my credit file it shows as " Campus Partners ''. However, this particular company does n't exist or registered any state. After some digging I found out they are registered as XXXX XXXX XXXX. 

The problem is this particular company does n't respond to any of letters I 've sent to prove the Debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: I bought a home XXXX took out a mortgage and later filed bankruptcy. This mortgage was included in bankruptcy and the debt was discharged. The servicing rights to this mortgage were bought by CitiMortgage while still in bankruptcy and before the debt was discharged. After the debt was discharged, Citi was asked to reafrim but they refused. They continued to reporting this discharged debt to XXXX XXXX ( still do ) as current " paid as agreed. '' Now I receive notice that my mortgage is delinquent and Citi will not remove PMI until the late charges assessed post discharge are paid in full. 
The issues are if the mortgage debt was discharged in Chapter XXXX bankruptcy and payments are now voluntary how could the mortgage have ever be late. Second, since Citi continues to report the debt " paid as agreed '' to the Credit Bureaus, why are they telling me my voluntary payments are past due? Third, why are they charging late fees on discharged debt and are threatening to keep charging PMI until I pay late charges since payments are current? 
Citi would not enter into a reaffirmation, the debt was discharged, payments are voluntary and Citi said at the time of discharge if payments are not made they could still foreclose not that they would charge late fees. 
I have been unemployed since XX/XX/XXXX and have exhausted my retirement savings to avoid foreclosure while trying to find work - Citi has n't offed a bit of help! Just more and more grief ... Can the CFPB offer any suggestions? 

Company response: Company chooses not to provide a public response
Consumer complaint: Stellar Recovery never contacted me about my debt or provided me with any information regarding the delinquent account they inherited from XXXX. I did not receive the notice of right to dispute. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I recieve a call from Jefferson Capital Systems threatening to have me arrested and other legal actions for a debt that I am not certain is even mine. I requested proof of the debt and recieved nothing, they left more threatening voicemails. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My brother and I have the same first name and last name with different middle names. We have different birthday and social security numbers so we did n't expect the report to be mixed up. This can create some issues. For example, my brother just got a car loan but it 's not my car loan. When I wanted to ask for credit report, they asked me if I have a car loan which I do n't have but they said the identity test failed. It 's really stupid because they could have checked that the middle name, date of birth, and SSN are different. 

Company response: Company chooses not to provide a public response
Consumer complaint: My account has been hacked into and i am not getting any real assistance in resolving this is the second time i have opened an account with them and since then i have had numerous fraudlent account opened. Bank of America 

Company response: Company chooses not to provide a public response