AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have a Wells Fargo Bank Credit card and have been in Active Duty XXXX since XXXX XXXX, 2015. I told WFB this, but was told it did n't matter, that they would only be able to " waive '' XXXX interest charge. So far, since XXXX of 2015, they have, and are attempting to collect interest in the amount of over {$300.00} ( at 18 % ) and fees also over {$300.00}. I was told that WFB can not " go back '' as far as XXXX 2015 to resolve this. 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit report is showing a {$580.00} debt from XXXX which I have never had an account with them. That debt went into delinquent account which substantially lowered my credit score. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am a sensible, prudent, mature person and would not charge {$19000.00} on drinks and a XXXX. I believe a drink was spiked ( drugged ) causing me to lose my mental capacity to reason. I had a loss of judgment and rational thought and my ability to consent to charges. My credit card company said they can do nothing because they have signed paper receipts for charges of {$19000.00}. None-the-less, I was cheated and ripped-off at XXXX Restaurant in XXXX XXXX and do n't think Credit Card Companies should do business with XXXX. They gave cash advances to the XXXX who they claim is an independent contractor for the club. The other charges were for drinks I guess. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a Ch. XXXX Bankruptcy in the XXXX XXXX of California on XXXX/XXXX/XXXX and after completing the plan was XXXX on XXXX/XXXX/XXXX. In accordance with the Chapter XXXX plan, the Trustee paid BANK OF AMERICA/FIA CARD SERVICES in full. 

XXXX reports BANK OF AMERICA as " Derogatory '' and as " Negative Account, Closed Account ''. It continues to report the status as " Wage Earner Plan '' and the " Date Reported '' is " XXXX/XXXX/XXXX '', which is after my bankruptcy discharge. BANK OF AMERICA continues to report a balance of {$19000.00}. 

XXXX reports BANK OF AMERICA with XXXX " Derogatory '' and " Potentially Negative Closed '' accounts, XXXX of which appears to a duplicate and is incorrect. 
The first account # XXXX reports " Payment Status : Making regular payments under XXXX. '' and reports a balance of {$19000.00}. 
The second account # XXXX reports the " Account Type : Banks and XXXX '' ; it should state Credit Card Company. It continues to report the " Payment Status : Wage earner or similar plan ''. 

XXXX reports BANK OF AMERICA accounts as " Derogatory '' and as " Credit/Revolving Accounts ''. It continues to report the " Status Payment Plan ''. This account should also be reported as closed. 

I have disputed the incorrect information with XXXX, XXXX and XXXX on numerous occasions to no avail. On XXXX XXXX, XXXX, I mailed certified letters to XXXX BANK OF AMERICA addresses, the address listed with the Bankruptcy Court and the addresses listed by XXXX, XXXX and XXXX, respectively. The incorrect and inaccurate information continues to negatively impact my credit report, credit rating and credit score. I am seeking your assistance in resolving the inaccurate reporting of these accounts to the credit bureaus listed above. 

Company response: Company chooses not to provide a public response
Consumer complaint: Sunrise Credit Services keeps calling me on my cell about a XXXX XXXX XXXX XXXX account that I do not have. They are trying to get me to pay money on an account I do not have. I 'm not sure how they got my information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a notice from Continental Credit Control stating that I owed money for medical services. I promptly wrote back stating that I denied this debt, and asked them to provide me billing statements, when they obtained this debt, an itemized statement, did they bill my insurance, etc. I wrote to them twice. I did not receive the information I asked for. Instead I only received something that looks like billing codes from the doctor 's office. I then received a notice from Continental Credit Control that they were going to report this debt on my credit report. I think they have a duty to provide me with the requested information before they can take further action. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am trying to dispute information on my credit report with TransUnion but they are not asking for my documentation. TransUnion investigation results are listed this is a joint account verified, NO change. This company is collecting for XXXX at XXXX XXXX apartments, whose management company is XXXX XXXX XXXX, who have done nothing but lose payments and over charge residence at this property. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a credit score hit due to payment delinquency for a student loan XX/XX/XXXX. I reached out to citibank XX/XX/XXXX to request that they clear this issue given the circumstances at that time : 1 ) I never received the notification that XXXX XXXX was going to sell my loan to citi because I physically moved residences and therefore 2 ) I did not realize I had to re-establish an automated payment calendar with a separate entity which led to the 3 late payments before I took notice and paid. Given that I have a stellar history of making payments and had advance paid the entire amount in full, I requested that citibank take off the hit on my credit records. I started with calling the citi gold desk because I have multiple products with them ( e.g. checking, credit, mortgage, etc. ) and they indicated that i 'd have to reach out to the student loan department directly. Citi Student loan had no record of me, so I reached out to XXXX XXXX, who then routed me to XXXX, who then routed me back to Citi. 

Citi claimed that they do n't see the account being cleared, and said that they will leave an open dispute on my credit report. While i have paid the full amount of the loan, I still see a {$0.00} transaction log every month and neither XXXX XXXX, XXXX, or Citi is able to see or close/clear this account and are constantly re-directing me. 

My main ask is to take back the credit hit score since I have paid off the entire loan in full in advance and to close the account because I still see a {$0.00} ACH debit coming through even if the loan is paid in full. But no matter who I call, I get routed and no one is able to find my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a message from you on XXXX indicating you had received a response from Citibank. But when I opened it, it merely repeated my updated complaint ( XXXX ). I receive the attached form letter as often as three times a week XXXX XXXX XXXX. I made a timely reply XXXX ) but then I recieved a letter from another party at Citi XXXX who copied you. As always, I can never assume the info I send to Citi is properly recorded. Often, it takes weeks before Citi acknowledges receipt. By then, it often imposes additional requirements ( I noted that when XXXX XXXX was assigned in XXXX, the process started anew as though I had not submitted all the info the previous three months 

Company response: Company chooses not to provide a public response
Consumer complaint: I have dispute several items with Experian. Those items are for XXXX and XXXX XXXX XXXX. Each time they send a response saying the accounts disputed are verified however, they never attach proof of this verification with my results or my credit report. In addition, they do not attach information regarding how they verified the account and they are supposed to. 

Company response: Company chooses not to provide a public response
Consumer complaint: The collection agency of Frederick J. Hanna and Associates are currently garnishing my wages on a debt that I believe I do not owe. In 2015, the firm submitted a garnishment order to my employer without any contact with me. I have made numerous attempts to contact the firm and was only successful once. On that conversation I was told that by a representative that he could n't provide me any information. I am attempting to obtain any information on the debt but so far I have n't been able to. I have never been served with any documents regarding the debt. Have never had a day in court to question the debt. The first I heard of the debt was from my employer when the first garnishment started. It appears that this situation/garnishment could possibly continue for many years. I would greatly appreciate any help that you can provide. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I responded per the FDCP Act Validations of debts with a phone call. I attempted to advise the company that this is an open court case that has no decision for any debt owed. I was told I had no rights unless I was an attorney. When I read the Fair Credit Act I was told they would continue to collect in violation of my call. The letter is dated XXXX/XXXX/2016 and my call was placed XXXX/XXXX/2016 after receiving the mailing. The representative first did not identify herself then said her name was XXXX. When I told her she was violating the act and my rights as a consumer requesting to speak with a supervisor, she placed me on hold and then came back and hung up. When I called back the phone call was sent to voice mail and I did leave a message letting them again know this was an unlawful harassment and that I did not consent to third party involvement in an open court case and that it required settlement in court. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I do not owe any money to this account and they continue to try and call. they are threatening to send a debt to collations that I do not owe 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Wells Fargo is claiming ownership and servicer of this alleged security deed, loan and note, that I am exercising my rights under the " Fair Debt Collections Practices Act '' as codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt, per " The Fair Debt Collections Practices Act '', " FDCPA ''. 
Wells Fargo forced me to submit a Completed Loan Modification Packet on XXXX XXXX, XXXX without Wells Fargo VERIFYING AND VALIDATING THE ALLEDGED DEBT THEY SAY I OWE I did not receive this information prior to me giving them my information because they scheduled a foreclosure for XXXX XXXX, XXXX I disputed Wells Fargo debt with the credit bureau agencies and they removed Wells Fargo loan payment as XXXX in XXXX and they stop reporting and closed the account..I was alerted by the Credit Bureau agencies recently that Wells Fargo re-inserted XXXX , past due balances of XXXX, stating that I owe XXXX per month from XXXX XXXX thru XXXX XXXX 

Wells Fargo are mandated under " FDCPA '' to verify and validation of the original Note and Mortgage Trust Deed. The Demand for payment along with the supporting documentation has been falsified which misleads the courts and Federal regulators with fraudulent documents as per guidelines of the XXXX XXXX and The Amended OCC XXXX Consent Order, Wells Fargo is in violation of the Amended Office of Comptroller and Currency XXXX Consent Order regarding this loan In particularly ; 1. Article IV - Compliance Program 2. Article VIII - Management Information Systems 3. Article IX - Mortgage Servicing 4. Article XIII Any modification agreements that were executed with security deeds under FHA/HUD/VA and were placed in XXXX XXXX Pools which did not follow XXXX XXXX guidelines is null and void per the regulations of XXXX XXXX Mortgage Backed Securities. This policy is under XXXX XXXX Documentation Requirements for Servicing of Modified Loans in MBS This letter requests VALIDATION AND VERIFICATION of the alleged debt accompanied by an Affidavit from the Alleged Lender. The Affidavit that 's MANADATED UNDER THE OCC XXXX CONSENT ORDER I requesting for Wells Fargo to please provide the following : 1.Copy of the original alleged note accompanied by an AFFIDAVIT from the alleged Lender 2. Identify to what the alleged debt pertains. 
3. Provide details how the alleged debt was calculated to date 4. Provide copies of any papers that show that I agreed to pay the alleged debt with my signature that follow XXXX XXXX GUIDELINES 6. Identify the original creditor. 
7. Provide the agreement between the creditor and your firm which authorizes you to collect funds 8. Provide evidence that the Statute of Limitations has not expired on this account PER FCRA AND NATIONAL BANKING ACT 9. Provide evidence that you are licensed to collect in my state. 
10. Provide in the AFFIDAVIT you have not violated the National Banking Act ; 29. The Power to Hold Real Property 

Company response: Company chooses not to provide a public response
Consumer complaint: I became behind on my Military Star Card when my Fianc got XXXX from the military and I lost my job due to being laid off in XXXX XXXX. I was notified after filing my taxes in XXXX XXXX that they would be taking all XXXX of my federal tax refund dollars. After contacting the Treasury office, they told me that the only people who can stop this is the creditor themselves. I reached out to the creditor twice trying to make arrangements as well as file for a hardship. They insisted that they could n't help or withdraw the information from the debt until its paid. Basically telling me they can and will take all the money they can. They also told me that filing for a hardship would take about 30-45 days. When i requested to speak to a supervisor i was placed on hold by XXXX different agents many times. I was given a non-working number and told to call the supervisor and leave my name and number, and they will get back to me as soon as possible within 24 hours. The number I was given for the supervisor is XXXX. I explained my hardship of not being able to pay my rent or utilities, as well as having XXXX children. They did n't care and said sorry this is your debt and we will do what is needed to collect but if you like you can set up a payment ed for the remainder of the balance after we take the refund. How am I to pay that money if I can not even pay my normal bills due to them taking my refund. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Today I received a letter from Wells Fargo Stating that our house is not qualified for FHA Mortgage Insurance Removal. I contacted wells several and explain the FHA rules in regulation regarding FHA Mortgage Insurance Removal, according to Wells Fargo agent ( XXXX ) he said were not qualified of removing our FHA Mortgage Insurance, According to their letter dated XXXX XXXX, 2016 " The mortgage insurance will expire is based on the original amortization schedule at the time of closing. According to that schedule, your mortgage expiration date is XXXX ( i ca n't find in the our contract ). You must also meet the 78 percent LTV ( loan to value ) requirement. Your mortgage will reach 78 percent LTV when principal balance reaches {$490000.00}. Your current principal is {$540000.00}. Please note that new appraisal will not be taken into consideration ''. The last paragraph stated " Please note the new appraisal will not be taken into consideration, this wrong statement. According to Federal Housing administration " one of the requirement can remove the FHA mortgage insurance based on new appraisal of the property ''. Now the value of our house is approximately {$10000.00} ( XXXX XXXX and XXXX XXXX thousands ). According to Wells Fargo we are not qualified to remove the FHA mortgage insurance and the appraisal will not be taken into consideration. Wells Fargo is wrong. I have the documents that I can prove that wells fargo doing is wrong, they are not following the rules and regulations of FHA procedure. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, This is my second complaint about this company. my first company ID number XXXX when they replied to my first complaint they simply lied through their teeth this is a sham company, please put a stop to their corruption. in my attachments you will find emails requesting that they do not check my credit. in retaliation the same company checked my credit 3 times they claim that i never contacted them before, which is a complete lie. all i am asking is for them to correct what they did wrong. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have attempted to contact CitiBank 's CitiGold Division on several occasions to disable " Overdraft Protection '', I was repeatably told by a supervisor this was " not possible ''. Frankly, this does not make any sense since other banks have the ability to turn off Overdraft Protection thus preventing any Overdraft Fees from occurring. During the Holiday Season ( XXXX and XXXX XXXX 's ), various transactions settled on strange dates for whatever reason. Additionally, CitiBank charges a {$34.00} Returned Check Fee which is in violation of State Law. The maximum amount in Illinois and Michigan is {$25.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: The Fair Collections and Outsourcing is reporting fraudulant information on my credit reports, transunion, experian, equifax ... The original creditor is XXXX XXXX XXXX XXXX, where I lived ... I eventually had to leave the premises due to a non-liveable apartment ... The first incident was a large water leak that ruined my bedroom furniture ... The leak created mold in the walls and on my carpet in the bedroom and bathroom ... I reported this to XXXX XXXX and it took almost 2 weeks before the maintenance men to deal with the problem ... A large fan was placed in the bedroom to deal with the leak, however, a mess was made, my furniture ruined, and the fan was so noisy I had to vacate the apartment for several weeks until it was fixed ... After several weeks, the management at XXXX XXXX was notified by me, and the regional manager agreed to discuss moving me to another apartment at XXXX XXXX if further problems should arise ... The Regional Manager XXXX, showed up and hour late for our meeting ... I explained to her that the mold, and huge leak was n't the only problems in the apartment ... Cold water, after a new water heater was put in, ants in the kitchen on a daily basis ... Ants in the refrigerator, bugs in the window ceils, bathroom and tub areas ... MOLD ... Window Problems, Washer and Dry Problems, Maintenance Men dumping the lint traps in front of my apartment as well as the Neighbors apartments ... Eventually, the maintenance men and the exterminator were in my apartment on a weekly basis ... .I put in a 30 day Notice to Vacate the Apartment Complex due to non-livable conditions .... 

Company response: Company chooses not to provide a public response
Consumer complaint: wells fargo dillards never provided any proof of validity of debt with my signed signatures on any transactions or application or that any items were received by XXXX and signed for at my home all they provide is copies of a statement but no signed items and the account as a result of fraud issued by dillards without my Consent and this has causes me emotional distress that dillards wrongfully refuses to remove this fraud account from my credit reports and has not honored there XXXX fraud liability policy and have gotten nothing but rude customer service. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX 2016 I went to the bank and requested a wire transfer to a company in XXXX ( ( {$5900.00} ). I filled out the wire transfer services instructions. See wells fargo reference number XXXX. I was asked to put the XXXX number and XXXX number of the recipient bank, XXXX in XXXX. I wrote the correct XXXX number, but got confused and did not put the payee 's correct IBAN number. The Wells Fargo staff also did not realize the incorrectness of the XXXX number ( the number I put has too few digits to be a valid IBAN number ). I left the bank but twenty minutes later I realized that I has put the wrong number in the XXXX field. I called the bank -- both the branch and the Wells Fargo wire department. Both told me that it was too late " the wire had gone ''. I asked if I could follow with a correction. They said that Wells Fargo had to wait for the money to be returned by XXXX which should, according to WF, take 3-5 business days. I asked if I could do a recall. WF said that would take 30 days. So I waited a week and no money was returned. I asked WF to run a trace and a correction. A week later now still no word at all and no money. This is unjust. Surely Wells Fargo can contact XXXX and figure out where the money is. I am clearly getting the run-around where nobody wants to take the time or responsibility. I recognize the error that I made in initially giving the wrong XXXX number, but I feel that WF can rectify the situation after two weeks if it wants to expend a little effort. Or did I just lose {$6000.00} because I inserted the wrong number? 
XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Pioneer Credit Recovery , Inc. contacts our business multiple times every day in reference to a worker 's personal debt despite being advised over and over that this is a business and our workers are not allowed to take personal phone calls on business lines. These tactics include calling the direct lines of every employee which are listed on our website. The calls usually total more than 10 per day. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was in an ongoing dispute with XXXX over their criminal tactics. I was waiting for a final amount to resolve the outstanding amount I owe them. I never received verification that they agreed to the amount I was proposing, I had asked them, etc., and no communication. I was doing some other banking business the other day and was shown on my credit report that Allied Collection Services , Inc had " hit '' my credit report with the amount I owe XXXX. This certainly was a surprise, I did n't get a voicemail, e-mail or so much as a letter in the mail notifying me of their attempt to collect the debt, nor did I get an opportunity to dispute the debt. Since I found out they are illegally ruining my credit I have called and emailed them in an attempt to resolve the problem and nobody will contact me back. This is and should be criminal. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX I purchased a XXXX property with a XXXX sign on the property. I paid the load off in XXXX. XXXX XXXX still has a lien on the property. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a second notice from a law firm in XXXX alleging that I owe the XXXX XXXX # XXXX for non-payment of a road toll. In the second notice they say I did not respond to the first notice, when in fact I did respond to their first notice. In my written response I told them the debt was not mine and explained why I did not think so. I also called the collectors to explain but they insisted that I provide proof. 

Do I have the burden of proving their allegations are false before they will stop their proceedings? I live in the XXXX XXXX XXXX XXXX. This is a toll for a roadway near XXXX. No car I own has been close to it. 

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