AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I lost my card ending in XXXX. Western union pp card rep told XXXX I could buy another card at XXXX and attach the card to my XXXX account which has a XXXX monthly fee and overdraft protection. I wanted access tomy account but they said I had to transfer the money and only XXXX a day which I thought was strange since the accounts were to be linked. I then noticed that every time I made a purchase they would charge me XXXX dollar I called back and after being on hold for 45 minutes I was told that my fee plans from the XXXX account was now attached to new card XXXX. I learned the next morning that I was charged another XXXX fee and that I would not be able to access my funds until XXXX XXXX when a replacement card arrives. This is created a hardship for me. If only I was given the correct information then I could have made a more informed choice I feel like western union netspend is taking advantage of me holding my money and XXXX charging me fees. They ensured me the cards linked to my XXXX account and thatmy employer direct deposit would be available on the XXXX card. When I talked to XXXX in escalations she informed me that it was XXXX accounts and all information told to me on the XXXX prior calls was incorrect and all she could do is reprimand the XXXX reps and forward my request to corporate when I said I will file this complaint I am still without access to my money during the holidays when my grandsons are here. I would like my money to be in XXXX and a XXXX fee credit then I will remove my money and seek a more truthful company to handle my money with our hidden and excessive fees and lying customer service representatives and a more caring escalation team providing real customer services keeping the customer satisfaction as a top priority. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: XXXX XXXX HIRED FMS, INC SKIP TRACING COMPANIES, AND COLLECTION AGENCIES TO COLLECT A DEBT FROM ME ON BEHALF OF MY XXXX BROTHER. CALLS, LETTERS AND VALIDATION IN VIOLATION OF TCPA, FDCPA FTC ... HAVE VIOCE AND WELL DOCUMENTED EVIDENCE. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XX/XX/XXXX I ( XXXX ) purchased a round trip ( XX/XX/XXXX to XX/XX/XXXX ) flight ticket for {$1300.00} to XXXX XXXX from XXXX using my XXXX XXXX credit card to visit my ailing father. 
I also purchased a flight insurance for {$82.00} to protect for 100 % refund incase of trip cancellation. Ten days later, I was advised of the XXXX in XXXX XXXX and called XXXX to cancel the flight becauseof the latest news of XXXX outbreak in the country I planned to travel. 
XXXX started to argue that the airline has to accept the cancellationfor a refund ... otherwise I will forfeit the payment made for the trip. Itold this agent that the transaction was made with XXXX and there is aninsurance coverage to cover full refund of {$1400.00} less {$82.00} ( insurancecost ). I explained to the agent that the trip to XXXX XXXX is prohibited for non essencial travelers according to State Department. I did not get a response from XXXX. I then called my credit card company, XXXX XXXX and denied the charge. The amount wascredited to my account while XXXX XXXX advised XXXX about mycomplaint. XXXX rejected my complaint and XXXX reinstated the costincluded monthly interest rate of 22.9 % since XX/XX/XXXX. I have objectedto the bill and monthly interest and sent a complaint letter ( Case No. 
XXXX and No. XXXX XXXX on XX/XX/XXXX with all records oftransaction including insurance coverage and warning from the nation 's CDCto not travel to XXXX XXXX has ignored my objection, and insteadcontinue to send me bills of outstanding payments, adding monthlyinterest, stopped the use of the credit cards and has sent bad credit recordthat has now created problems with me getting a loan to purchase a home for me and my family. see attached record of dispute. 
I request that XXXX XXXX be investigated for its abuse of consumer protection law and immediately clear all negative reports under my name, XXXX XXXX at all three credit bureaus. 

Company response: Company chooses not to provide a public response
Consumer complaint: citi management group has called my phone XXXX times the last XXXX days. I answered the call today, and attempted to give them my bankruptcy info which they told me I have a fraud case pending against my ss number. I quickly hung up, they have called me back XXXX times since then. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I disputed inaccurate information with Experian regarding the accounts that are listed on this dispute. First of all, I 've contacted the companies via USPS certified mail and sent them a letter of debt validation. None of these companies responded with any verification or validation of the accounts or the information regarding the accounts. By law, these companies are supposed to verify to me that these accounts and the information is accurate. I would like to know what verification/ validation did Experian receive regarding these accounts that was competent since they say the investigated my dispute. 

Company response: Company chooses not to provide a public response
Consumer complaint: Paid XXXX monthy bill. But XXXX said it wasnt paid, even after i repeatedly gave them proof of credit card statement and an XXXX payment confirmation code. Being called anywhere from 5-10 times a day from dept collection that refuses to tell me who they are until i give personal info. Name, address, birthday. Being harassed daily. No matter how many times I call XXXX to give proof i do not owe them money or same info to collection, the collection calls will not stop. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo reportedly report payments wrong on my credit report even though they have been written about these errors more than XXXX. On both XX/XX/XXXX and XX/XX/XXXX one can clearly see on the statements form Wells Fargo Bank. In XX/XX/XXXX they processed the payment for that month on the XXXX of XXXX. In the past month tried to get ahead by paying {$500.00} before the new payment was due and instead bank used it for so called. " late Payments and not towards principal and interest from for the loan Because of their continued malfeasance, recklessness, and stubbornness to investigate and report accurately has cost my family significant amount of money. We not only have had our credit reported wrong and has prevented us from refinancing as well as current lenders are charging more interest due to the reporting charging more because of the reporting. We are also prevented from lowering our interest rates with any of our other creditors by allowing us to participate in offers with a little higher reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted the Law Office of Michael Lupolover because I was contacted by a debt collection agency that violated the FDCPA Law when contacting me. After 4 months of waiting to be contacted, XXXX contacted me with a settlement offer. He urged that I sign the settlement as quickly as possible. I advised him that there was information missing in the settlement. Which he assured me that it would me changed and to sign the XXXX settlement just so it could be filed. He lied to me about several things that were suppose to happen that never happened. He told me that the debt collection agency would no longer be able to contact me so they will be sending the debt back to its original creditor. 3 months later XXXX and XXXX XXXX, who claims he is Senior Attorney, keep telling me verbatim " the debt collector has already returned debt to the original creditor ''. This could n't be more false if it slapped you in the face. I called the original creditor 3 times and spoke with supervisors saying that it was n't returned. I called the debt of ed which has verified that the debt belongs to the same debt collection agency that harassed me! This debt collection agency also reported to my credit bureau which resulted in me getting denied on an application which the XXXX Lawfirm has has stated that they did not do! They came to a settlement amount of XXXX with the debt collection agency and I was only getting XXXX and they would keep for themselves?! XXXX Lawfirm was charging me XXXX for fees on an arbitrary number. This Lawfirm is worse than the debt collection agency that harassed me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 've disputed several inaccurate and invalidated information on my Experian credit files that are regarding student loan accounts. For XXXX, these accounts are older than XXXX years old and they are currently being reported as in chapter XXXX bankruptcy which is incorrect. I 've written these companies and requested validation of information as well as filed a complaint with a student loan ombudsman regarding the reports. I do n't believe that Experian validated this information by receiving competent documentation that these accounts are accurate and being reported accurately. 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2006, I was hit with a massive Identity Theft. Someone put amillion dollar home on my credit - then the person changed myaddress to theirs and thus received all my identity and preapproved credit offers. I filed a police report with XXXX XXXX XXXX and they sent me to the District Attorney in XXXX XXXX - The DA stated this is just the tip of theiceberg - it happened just when the housing marking wasslowly collapsing and I really got hit. 
I immediately notified XXXX XXXX and Experian.I placed a fraud alert on my credit bureaus and it took mea full year on the phone with DA and Police to clear my nameand prove I was who I said I was. I sent Identity Theft infoto all the accounts - seems they opened several accountsthru mail - most of the people were nice, but not XXXX, XXXX and XXXX - I told XXXX it was an identity theft -they told me they did not believe me, even with legal notice -they also said they would put a lien on me unless I paid the {$5000.00}. Sure enough, XXXX placed a lien on me - andmy credit plummeted. I called XXXX and asked them whenmy court date was and explained I wanted to speak to theJudge to explain my circumstances and clear the lien -Chase did not respond - in the meantime I notified allXXXX credit reporting agencies again - sent written letterscalled and nothing happened. I believe it is because itwas right at the time the XXXX Market collapsed and theywere overwhelmed. 
In any event, every XXXX of the late accounts and lienare still on my credit reports - I called the XXXXCourt House to try and get the liens removed, theytold me to go back to XXXX and XXXX - of course noresponse. I was denied a new lease with XXXX XXXXbecause of my credit and I am presently paying 19 % XXXX car loan x 3 yrs - I am trying to get a fixed Mortgagefrom XXXX and I can not even get information due tomy Credit History. Most of the Deliquency accountsare at least 10 years old - I have faxed, called, got mad at all agencies but no one cares. 
I just want my stellar credit back - my car ins. back to normal ourates, my car pmt back to normal interest and my Mortgageback to a fixed rate. 
Can you give me some suggestions? 
I have all paperwork and faxes but I am not too gooduploading. I can send in mail if needed. 

Thank you for your helpI 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX we had fallen XXXX months past due with our mortgage. BOA said we are here to help you. While all along they have been giving us the run around and trying to foreclose on our home. They would not take any more payments even though we were only behind on XXXX payments at the time and suggested that we get a lawyer because they were not going to take any less than what was owed. We have been trying to work with them on a loan modification from XX/XX/XXXX till XX/XX/XXXX. We have been tossed around from multiple customer relationship managers. Some in which were very rude and ignorant and would not keep us up to date as to what was going on with our case or even return our call. At one point in our case they said that there was a code put on our account and that they could give us any information. However we are the ones that have the mortgage with them. They had supposedly qualified us for a special forbearance program however neglected to tell us the details of the forbearance and kept sharing our information on our account with a lawyer that we had fired months ago. Now they keep saying we do n't qualify for anything because we never signed and sent the special forbearance in. Well I guess not when they never contacted us with the details while all along communicating with the wrong lawyer. And not speaking the correct lawyer. Now they are forcing us out of our home because they refuse to work with us. The government has programs put in place for people that need help. And from every law firm that we have talked to we qualify for something because we have suffered threw a hardship. This has put a tremendous strain and suffering on our family. Bank Of America says they are here to help while all along they give you the run around and force you out of your home instead of working with. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've contacted this company regarding XXXX accounts that they are reporting to all XXXX credit bureaus. I 've contacted them requesting competent validation of proof of the account and the information that they are reporting to XXXX, XXXX and XXXX. I 've never received a response. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: placing that I have a debt from a discharged BK wich is false in order to damage my credit for a file already known as ID theft. They simply bought the debt from someone who had to remove it. There is no contact information for themHere is the link from consumers talking about these criminals XXXX XXXX XXXX XXXX & XXXX & XXXX XXXX XXXX XXXX & XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I spoke to a representative on XXXX/XXXX/2015 of a debt in the amount of {$100.00}, that was subsequently taken out of my bank account on XXXX/XXXX/2015. The agency promised that If I paid the full amount, which I did, they would send a report to the credit reporting agencies to remove it completely from my credit. As of XXXX/XXXX/15, the account shows paid in full on my credit report, and was not removed as promised. Therefore the agency gave me false statements in order to collect a debt. The agency in question is Bureau of Medical Economics on XXXX XXXX XXXX XXXX XXXX, AZ XXXX 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: Medical bill from when I was a teenager under my parents insurance. The medical facility billed me for it and reported it to the collection agency days after I turned XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit Technologies inc improperly an inquiry on to my XXXX and XXXX credit reports without my permission and when I contacted them they could find no record of me. I explained to them it was most likely related to fraudulent activity and want it removed to no avail. some on was trying to obtain credit or a loan. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: To Whom it may concern, I am a XXXX Veteran trying to sell my home for the last two years in South Carolina. I am divorced as of XXXX XXXX 2015 and the property that is to be sold is part of the settlement. We have a qualified buyer who wants the house, we where to close on the home on XXXX XXXX 2015. I have moved out of the house as of XXXX XXXX 2015, the house has to be sold do to my medical condition. I have XXXX. We have medical bills to pay and other divorce cost. The title for the house is not where it is surpose to be according to the closing attorney here in South Carolina and states to us seller and buyer that we can not sell the house because of this title mayhem. Wells Fargo is not helping in this matter at all. They just keep pasting the buck ... I have stopped payment on the house as of XXXX XXXX 2015 do to the fact I can not afford rent, mortgage, medical, and divorce cost. I have to be able to take care of me and my XXXX children. No one with Wells Fargo will try to help to do the right thing and solve this issue. We need help in the worst way before my credit is messed up. Please Help ... 

Company response: Company chooses not to provide a public response
Consumer complaint: I am still tying to get a resolution from Experian. On XXXX of this year I sent Experian a copy of my identity theft police report in reference to Fraudulent Taxes that were filed using my social security number. I also sent them a copy of the XXXX Identity theft form that I filed with the IRS. They responded in Complaint number XXXX with a request to send in additional documentation to support my claim in order to consider to block this public record With XXXX XXXX Courts from my file. I sent them Via Mail a Copy of the letter that IRS sent me confirming the receipt of my XXXX Form I am attaching this letter in the complaint for your records. Still to date Experian has not responded to my request. In the XXXX notice I received from IRS it confirms receipt of my documentation for identity theft and it also states that this matter can take 180 days to resolve. There is no reason that I should have to stay 180 days which is 6 months with this record on my credit profile. I have provided sufficient documentation supporting my claim for Identity theft yet Experian continues to give me a problem in resolving this matter. I have been prevented from purchasing a home because this. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are XXXX accounts still showing on my credit report as negative impacting items that should not be there, as the date opened is more than 7 years old, which is longer than the allowed period for a negative item to be reflected in accordance to the law. I have disputed the credit items with experian and will attach the documentation as needed. I request for them to be removed, as they should no longer show on my credit report. XXXX item is from XXXX XXXX and another XXXX is from XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Nationstar Mortgage discontinued sending my monthly statements two months ago for no reason. I have contacted them several times only to be assured that they will be promptly continued, then nothing happens. Their customer people are rude and unhelpful. In reading their reviews online, it is apparent they are doing this to many other clients in an attempt to generate more late fees. I am hoping you can help me with this matter. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I contacted this company regarding this debt and requested verification of the debt. I asked how was the amount calculated, the original creditor and the service, proof of the company license, and proof that this collection agency owns the debt and or assigned to the debt. 
Company failed to provide verification as of today and is currently reporting negative activity. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I opened a Barclay Card Financing credit card in XXXX XXXX and charged {$2200.00} on it. I paid {$200.00} a month and paid it off by XXXX XXXX ( last payment on bank statement attached ). I tried to use the card over the XXXX holiday XXXX but the expiration date was XXXX and it took me XXXX tries to get the correct card which I received after the holiday. I have not used the card since XXXX XXXX as I am paying down my other credit cards. ( I had XXXX in XXXX and was just getting back to work in XXXX ). I received a letter from Barclays XXXX XXXX stating they have closed my account for inactivity ( attached ) and they informed me in a letter after they closed the account. I contacted Barclay with my biggest concern which is that my credit report that I 've tried hard to improve will be adversely affected. They agreed that it will adversely affect my credit report but said they ca n't do anything about it. I waited over XXXX minutes to speak with a supervisor who never came on the phone. I feel this is completely unjustified. After having a sizable balance, paying it off consistently and with a higher than required monthly payment, paying down my other cards so that I can be free of debt and a responsible consumer, I am being penalized by Barclay for no good reason expect pure greed and consumer malice. I feel that Barclays Bank is encouraging irresponsibility with the intention of greed and getting away with it. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America refuses to provide lawful information pursuant to the Fair Debt Collection Practices Act to validate a debt. Further, they continue to harm my name by reporting this information to Privately Owned credit reporting companies. Bank of America was asked specifically to provide the following information:XXXX A statement admitting whether you are the holder in due course or whether you are a servicer. 
XXXX. A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
XXXX. The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
XXXX. The XXXX number under which my loan was securitized to. 
XXXX. Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 
Please contact me in writing to arrange for an appropriate point of inspection 

Company response: Company chooses not to provide a public response
Consumer complaint: i had no knowledge of this debt until i saw it on my cerdit file. i paid it but i didnt ask or sign for any medical service. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: This issue is with XXXX XXXX. They have failed to report our information correctly. We never included our mortgage in the Chapter XXXX bankruptcy filing. We paid the loan off based on the short sale agreement established with this mortgage company. The date of the bankruptcy was XX/XX/XXXX and the house sale date was XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: A debt dating from XXXX has been relisted on my credit file by XXXX XXXX. This debt has passed its status of limitations and had already been removed from my credit file. 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit report of 6/17/2015 from TransUnion shows that a credit inquiry was made regarding some home furnishings on XX/XX/XXXX. I never attempted to purchase any such furnishings. The XXXX is listed as SECURITY AGE. The address listed is XXXX XXXX XXXX, XXXX, AZ XXXX. I determined that to be a residential address. I filed a fraud alert with TransUnion. I 'd like to see the perpetrator prosecuted. 

Company response: Company chooses not to provide a public response