AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I do n't remember this credit card to be honest I receive a letter from the XXXX of new York saying notice of garnishment. the collection is from XX/XX/XXXX it 's tooold to be Sue for and at the same time I got injury on the job I 'm waiting on workers Com. I do n't have any income coming in at the moment. I did n't receive any notice trying to collect before suing me. I was Sue before my check was being Garnish and I got lay off so I was n't able to continuing paying this in XX/XX/XXXX the company was getting money from my pay check. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Gold Key Credit, Inc been reporting the following medical collection account number ( XXXX ) since XXXX 2015 according to XXXX and XXXX XXXX consumer reports, but I have yet not received any communication from this agency pertaining to this account, as a result I do not have the full account number or any additional information validating this claim. However I have printed the account details from my credit report and forwarded a copy with my initial request for verification of the debt and production of documents on XXXX XXXX, 2015. At this time I have notified Gold Key Credit, Inc in XXXX separate written communications that I dispute the validity, accuracy and responsibility of the debt. As of today, XXXX XXXX, 2015 Gold Key Credit, Inc has not responded to my multiples request as they are required. I have also filed XXXX disputes with XXXX and XXXX XXXX and I have received notification from the bureaus that Gold Key Credit , Inc has verified that the account belongs to me. Gold Key Credit , Inc has violated the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by continuing to report their negative mark on my credit report, affecting my abilities to obtain credit and causing me to lose an average of XXXX points on my credit score since XXXX 2015. I want this agency to proof the validity and accuracy or remove their negative mark from my credit reports immediately. Any assistance from you will be very much appreciated. Thank you 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: WAKEFIELD WAS SENT A CEASE AND DESIST AND DON ; T CALL LETTERS IN XXXX. WE STILL GET CALLES FROM THEM IN VIOLATION OF FDCPA AND TCPA, SEE PHONE RECORDS AND VIOCE RECORDINGS ATTACHED. 

Company response: Company chooses not to provide a public response
Consumer complaint: this collection agency keeps reporting that I received services from there practice. I have never had any medical treatment from this provider while not being insured. I 've always been covered under the florida medicaid office .There have always been a block on all XXXX of my credit filed due to identity theft. I 've disputed these fee with the collection agency and a few of the bills have been deleted but this company keep reporting medical bills for services that I never received. 
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Medical Which of these best describes your issue? Cont 'd attempts collect debt not owed : Debt is not mine 

Company response: Company chooses not to provide a public response
Consumer complaint: According to my credit report dated XXXX/XXXX/2014 my XXXX XXXX utility bill is more than 90 days overdue. However, I have not missed a payment since opening the account XX/XX/XXXX. The credit report also states that the account is current, but the payment is late. I have disputed this with Transunion but have not gotten a response. I will mail supporting documentation via USPS. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/2011 I paticipated in the " XXXX XXXX '' program with the XXXX located in Illinois. In this program, the dealership takes possession of your current XXXX vehicle and puts you into a new XXXX vehicle. This was not a repossession - this was a dealer incentive program. 
Bank of America has reported a late payment XX/XX/2011. In fact Bank of America is reporting paid as agreed payment history from XX/XX/2011 through XX/XX/XXXX. 
I disputed the incorrect late payment with XXXX 12 months ago. Bank of America refused to correct the history. 
I am disputing the late payment again with XXXX. I am filing a complaint with your agency in hopes the incorrect payment history will finally be removed. I am also reviewing my payment history with XXXX and XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was notified by this company in XXXX 2015, that I owed a debt to them, and asked for debt validation immediately, and was never sent any debt validation. I received a letter XXXX/XXXX/2015 stating they would cease Collection Activities and no reporting to my credit bureaus. 
I received a summons that I am being sued XXXX XXXX by this company after stating they would not pursue the debt and in a XXXX that I do not reside, I never received any validation of this debt. It is not Valid it is Fraud, and after repeated requests I am know being sued in court. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Debt was paid in full. 

Collection agency violated section 15 U.S.C. 1692 of FDPAAsloduring discussion with agency they failed to provide accurate information despite my attempt to secure sameThey reported an inaccurate debt to credit bureau 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX sent over an update thread to Transunion on XXXX/XXXX/15 advising to update the status on my credit file for the XXXX XXXX account to paid, closed with no late pays. Transunion has failed to update this information. In addition the Dept of Education also sent over information to Transunion to delete my account but Transunion has failed to act accordingly. The Dept. of Education sent this information to Transunion around XXXX XXXX, 2015 and Transunion has failed to update this information on my credit report. It seems as if Transunion is in the business of keeping credit scores low. It is unacceptable to receive information to update a credit file and it takes them over 30 days to do so. Please see attached thread from XXXX XXXX dated XXXX/XXXX/2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed bankruptcy and XXXX 2015 and it was discharged in XXXX 2015. Debts included in my bankruptcy started coming off my credit reports on their own and the ones I did dispute I received a quick response and they were removed. I 'm having an issue with XXXX I have disputed it many times to all three credit reporting bureaus, on the most recent XXXX I sent a copy of my bankruptcy petition and the result was they updated it on my report saying charged off sold to another lender but, yet on a privies dispute about two months ago they updated reports with status as included in chapter XXXX bankruptcy and now they have changed it to the charged off status. On last dispute Experian would n't accept my dispute because I had previously disputed. The dispute case numbers I provided above are the most recent ones. XXXX is showing up as derogatory and negative on my reports which is affecting my credit score as I am trying to build my credit. I 'm having success rebuilding my credit except for with this company reporting incorrect information on my reports. This is the only negative thing on my reports. As I am looking to the future trying to buy house with my husband, obtaining certain credit cards ( which I am using responsibly ) or loans to help build credit I 'm not able to because of this derogatory/negative incorrect information being reported. 

Company response: Company chooses not to provide a public response
Consumer complaint: Accounts sold to other collectors right before it 's to be taken off of my report not to mention they 're all medical bills and are n't supposed to affect credit score 

Company response: Company chooses not to provide a public response
Consumer complaint: I RECEIVED THESE XXXX STATEMENTS, I DO N'T OWE ANY OF THESE, NEVER BOUGHT ANY XXXX PRODUCTS, I CONTACTED THEM AND THEY DO N'T FIND ANY OF THOSE ACCAUNTS, THIS COULD BE AN SCAM 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2015, I sent a letter to Transunion along with a copy of my social security card advising them of information that is being reported on my credit file that is not mine. They have my credit file listed under XXXX XXXX and I sent them my social security card advising them that my name is XXXX XXXX XXXX spelled with an ( XXXX ) not and ( XXXX ). I also advised them of creditors that are reporting information to them for a XXXX XXXX which is not me. They have failed to correct their records and in accordance with the Debt Collections Act section 1629e ( 8 ), which clearly states that any information known to be false, can not be reported to any bureau. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo charged me fees that were unwarranted. We were in the process of relocating from XXXX to XXXX and in that process meant paying off my mortgages with them ... which I think contributed to their lack of response. When I was in the branch in XX/XX/XXXX as we were finalizing the process for the sale of my home, I asked them to downgrade my account from the PMA to the basic. That did n't happen and since this was n't my primary account, I did n't check right away. Then as I was finalizing a payoff for another loan, which I made in the branch before the due date, received confirmation. I was then charged an overdraft for the automatic debit for an account that was paid off. When I went back to the branch, I was told that only the branch manager could waive fees but they were n't in the branch. I tried one more time at the same branch as well as another branch and both times the branch manager was unavailable. Then I received confirmation that I was in charge off. It felt like wells did everything via their processes to prevent a good customer experience. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a phone call from a company called STP Management onXXXX read the message and ignored it. Then received another on XXXX/XXXX/XXXX and called back and found out that I had supposedly got a loan from payday advance the total was {$280.00} through a bank called XXXX XXXX, this happened sometime XX/XX/XXXX. I went up to the XXXX Bank and found out my that the account was closed XX/XX/XXXX. I did not apply for any advance loan anywhere on line or at the bank. I was directed to fill this out. When I spoke to XXXX he was able to give all my information such as address, name, & social security number. As I explained to both gentlemen XXXX , XXXX XXXX XXXX XXXX in the fraudulent department I did not get any loan. thank you 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a phone call from a company called XXXX XX/XX/XXXX read the message and ignored it. Then received another XX/XX/XXXX and called back and found out that I had supposedly got a loan from payday advance the total was {$280.00} through a bank called XXXX Bank, this happened sometime in XX/XX/XXXX. I went up to the XXXX Bank and found out my that the account was closed XX/XX/XXXX. I did not apply for any advance loan anywhere on line or at the bank. I was directed to fill this out. When I spoke to XXXX he was able to give all my information such as address, name, & social security number. As I explained to both gentlemen XXXX XXXX XXXX XXXX XXXX XXXX in the fraudulent department I did not get any loan. thank you 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I am retired aged XXXX years. I lost my job in XX/XX/XXXX. 
My main source of income is retirement benefits from social securityJob loss and XXXX to my wife make me unable to meet financial commitments in paying medical bills and credit card payments. 
I have a debt of {$20000.00} on credit cards since XX/XX/XXXX and a personal loan.from XX/XX/XXXX. 
Till today I am able to pay all the payments to credit cards and personal loans on time while I was in job without any back payments or default in payments at any timeMy main source of income is {$1000.00} from social security as retirement benefits. 
Hear after I may not be able to continue the payments with very high APR.. 
Requesting all the credit card companies to reduce my interest rate to the maximum possible and help me in paying off their dues. 
I am great full to the CFPB management for this helping hand to the needy consumers. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citi should report both account ending in XXXX and XXXX with a {$0.00} balance to the CRA because the account are being handled by XXXX XXXX XXXX and XXXX. Citi is in violation of the FCRA, Citi is currently reporting chargeoff credit card account ending in XXXX with a balance of {$3500.00} and account ending XXXX with a balance of {$3400.00} to the credit reporting agencies. Citi advised me that accounting ending in XXXX is being handled by XXXX and Account ending in XXXX is being handled by XXXX XXXX XXXX. This is from my complaint XXXX with Citi responding XXXX. This was Citi responding to my complaint. 

" We have received your inquiries that were submitted to the Consumer Financial Protection Bureau regarding the validity of the debt on the above-referenced accounts. 

After reviewing our records we have confirmed that the debts are valid and we are providing you with monthly statements since the accounts were established that confirm the debts. The enclosed monthly statements reflect the date and amount of payments, credits, balances, and charges concerning the debts, including but not limited to interest, fees, charges or expenses incidental to the principal obligations that we are expressly authorized to charge by the credit card agreements. 

Our investigation indicates that your accounts were opened on XXXX XXXX, XXXX. After conducting an investigation, we have determined that you applied for the accounts online ; therefore, physical copies of the applications are not available. The amounts of debts as of XXXX XXXX, XXXX are {$3500.00} on the account ending in XXXX and {$3400.00} on the account ending in XXXX. Your last payments in the amounts of {$86.00} on the account ending in XXXX and {$80.00} on the account ending in XXXX were received on XXXX XXXX, XXXX. Please ensure that your payments of no less than the full balances are received by XXXX XXXX, XXXX. 

Our records indicate that due to the delinquency of the account, we referred the account ending in XXXX to XXXX XXXX XXXX for their handling. Any future correspondence in regard to the outstanding balance, as well as any payments, should be directed to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, CA XXXX. Their phone number is XXXX XXXX XXXX XXXX. The account ending in XXXX was referred to XXXX XXXX XXXX and any correspondence regarding this account can be directed to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. Their phone number is XXXX XXXX XXXX XXXX ''. 

Sincerely, XXXX XXXX Executive Response Unit XXXX cc : Consumer Financial Protection Bureau Case # XXXX Case # XXXX FEDERAL REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE *Our telecommunication number for our hearing impaired customers is XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: It appears to have started when i enrolled for a job at the XXXX USPS. I had them do a background check for me from a company called OPM.gov. On XXXX/XXXX/2015 I had my whole account from My XXXX/Visa debit card stolen from me in the amount of {$220.00}. The transfer was made from BOA in sacramento. I called BOA EDD/visa debit and told them i did not authorize this tranfer. they called it fraud and sent me a new card and said it would take 45 days to investigate. two weeks later they closed my clam and they did nothing wrong. They said they tranferred it to my bank account at The XXXX and there was no fault on their part and closed the claim. They told me to contact The bancorp.com. I tried calling them and they had no account under my name and asked for an account number. after calling BOA numerous times i finally got them to tell me over the phone the account they sent it to, after waiting yet another week to say they will mail it to me becase they can not give it over the phone, and failed to do so. after getting this info i called the bancorp.om and they said i do have an account. ( I never opened it and have no idea how this happened ) well they refuse to give me my funds. After calling numerous times to them i had XXXX one lady said the money is there and they will transfer it into a different card i will need to acquire from XXXX. I have opened a card and waiting for them to transfer it. after a week i called back and the same guy who refused to help me said he was going to the call the XXXX and tell them they ca n't do that and he wont tranfer the money. I was told tby the lady that she tranferred the money to them on XX/XX/XXXX and it is pending. if by saturday i do not get it i will call them back again and get furious. After notifying the FTC and filed a fraud alert, it was OPM.gov that said they may have been exposed to a cyberattack. I have fraud monitoring but do not know if the person who opened this account also have been draining my social security as well. my fear is that whoever opened this account at The bancorp.com may have opened up more things as well. all i want is my funds back so i can close both my XXXX/visa debit card and the XXXX account as well. but i have both of them telling me its not their fault and go back and forth. i am getting exhausted and drained from all this. i want to file apolice report but i have only the visa statement to show for it and the XXXX have not produced or will send me a statement or account ID so i can see where the funds have gone, when it was opened, and what kind of activity has been going on. Please help me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was charged a total of XXXX overdraft fees for a XXXX dollar purchase I my account. When calling Wells Fargo to see if they can waive just XXXX of these fees they stated that it was my fault and they could not do anything. So I was charged over {$150.00} dollars for a XXXX dollar purchase. ( XXXX total charges of XXXX ). I spoke to XXXX people who were extremely rude and disrespectful. I do n't think that charging me this amount of money when I clearly do n't have the money is the right solution. I even had a family member transfer money into my account to try and avoid these fees and it did not go through in time to avoid this. However, the people I spoke with still stated it was my fault. This bank is clearly just trying to make money off of me and I do n't find this comforting to know I bank with them. I am very unhappy. 

Company response: Company chooses not to provide a public response
Consumer complaint: trided to get mod wells fargo would not give me one 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX is currently reporting chargeoffs accounts to the credit bureau ending in XXXX with balance {$1900.00} and account ending in XXXX with balance of {$3900.00} and account ending in XXXX with balance of {$850.00}. These accounts should be reported to the CRA with {$0.00} balance. XXXX are in violation of the FCRA. I had file complaint previously with case XXXX, XXXX and XXXX. XXXX of the accounts are being handled by XXXX XXXX collection agency and the other by XXXX XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: on XXXX XXXX my XXXX year old son XXXX XXXX went into an XXXX store in XXXX XXXX NY to inquire about purchasing a car. In doing so his credit was run. Although he is XXXX years younger, has a different social security number and uses his middle initial " J '' ( I do not have a middle initial ). the hard inquiries are being reflected on all XXXX of my bureaus, which in turn lowered mi FICO scores. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2013, during a time of serious financial problems I applied for, and received a loan in the amount of {$2500.00} from Delbert Services, now called XXXX. My loan number is XXXX. To date I have made payments totaling a little over {$10000.00}. When reviewing my loan balance it shows I still owe slightly over {$2000.00}. This is absurd! I not only want my payments to stop, I also believe I am entitled to a significant refund. Please help me with this matter! 

Company response: Company chooses not to provide a public response
Consumer complaint: Around XXXX XXXX, 2015, I received a copy of my credit report from " Experian. '' I noticed that a false entry from a " XXXX XXXX '' debt collectors for the amount of $ XXXX on behalf of " XXXX '' was unlawfully entered onto my " Experian '' credit file. When I called up " Experian, '' I told them that I have had " XXXX '' for the last 17 years as my T.V. viewing and NEVER " XXXX. '' They at " Experian '' still refused to remove this false credit entry off of my " Experian '' credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: This debt was disputed with the original creditor XX/XX/XXXX. The issue is long over the 7 year limitation. The collection agency continues to maintain this disputed debt from XXXX on my credit report even though it shows the debt is in dispute. I would like your assistance getting this account removed from my credit reports with all credit reporting agencies. 

Company response: Company chooses not to provide a public response
Consumer complaint: I co-signed for a loan in XXXX with WellsFargo for my ex-spouse for XXXX. 
WellsFargo provided more loans to her without verifying my consent or me as co-signer. XXXX, XXXX additional loan was granted to her with me as a co-signer ( Without my approval or cosign ) 1. WellsFargo as a BANK continued to use my credential to issue additional loans and DID NOT verify my signatures. 
2. WellsFargo NEVER asked me for my permission on these loans, BANKS should verify the person ( co-signers ) upon whose name they are providing the money. 
3. Most Likely it is a identity theft issue also when my ex-spouse applied for more loans with my signature forged. 

WELLS fargo now is after me on all loans that she took, wellsfargo says I was the co-signer on ALL, while I was not. I co-signed only XXXX loan. The borrower doesnt live with me from XXXX and the bank is sending me letters for payments. I am not responsible for any loan that I did not co-signed. 

I already sent documentation to wells fargo telling them to remove my name on the XXXX loans taken in XXXX. 

Attachements : Copy of XXXX promisory notes that wells fargo sent me. NOTE the signature differences. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, I filed a dispute with Experian credit reporting agency by U.S mail. It 's been sixteen days and I have not gotten any notice from them that they have open an investigation on the dispute items on my credit report. When I tried to file a dispute, from their web site I get a message you are block from getting a copy of your report and not allowed to file a dispute from our web site. This has been a continue problem when I try to get my credit report for over a year. I would greatly appreciate it very much if someone from your agency open an investigation into the conduct of this company. 

Company response: Company chooses not to provide a public response