AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have XXXX collections on my credit reports. The one was removed and put back on. one was removed from XXXX credit bureau. the other XXXX are old accounts that were just recently put on my credit reports since I started trying to clean up my credit to enable me to get a home. they are over four years old and are just now showing up as a collection, which is frustrating when I have got issues cleaned up and more come out of the woodwork and put things on my credit reports 

Company response: Company chooses not to provide a public response
Consumer complaint: SEVEN/TEN YEAR RULE UNDER FCRA GUIDELINES - REMOVAL OF TRADE LINESThree new decisions - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ; and XXXX ( XXXX ) XXXX XXXX XXXX ( ordered depublished XXXX XXXX, XXXX ) - have changed, clarified, or confused ( depending on your point of view ) the legal landscape in California as to the legal obligations of so-called " furnishers '' who furnish credit-related information concerning consumers to credit reporting agencies. These cases address the obligations of furnishers under federal and state law to supply accurate information, as well as a furnisher 's obligation to " reinvestigate '' a consumer 's dispute. These cases also indicate that, for the time being at least, a heretofore unrecognized private right of action exists under Civil Code 1785.25 ( g ) and 1785.31 for failure to accurately report credit information in violation of 1785.25 ( a ). An understanding of the relevant history is important before one can properly evaluate the current state of the law and the XXXX decisions. 
The Original FCRA Legislation Applies To Credit Reporting Agencies OnlyThe Fair Credit Reporting Act ( FCRA ), found at 15 U.S.C. 1681, et seq., was originally enacted in XXXX. The express purpose of the FCRA was to require that consumer reporting agencies adopt and implement " reasonable procedures '' for ensuring that credit information about a consumer was collected, maintained, and dispensed " in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information ... '' FCRA, 15 U.S.C. 1681 ( b ) ; XXXX ( XXXX ) XXXX XXXX XXXX, XXXX S.Ct. XXXX, XXXX. The Congressional findings noted that " [ t ] here is a need to insure that consumer reporting agencies exercise their grave responsibilities with of fairness, impartiality, and respect for the consumer 's right to privacy. '' FCRA, 15 U.S.C. 1681 ( a ) ( 4 ). However, the credit bureaus do not follow through with any methodology a system that automatically removes an antiquated credit trade line, which leave creditors in control to remove a negative trade line at a later date by simply re-aging the trade line payment history. 
Notice that a positive trade line can be maintained for a XXXX year timeline from the credit procurement after the account has been closed out. The ten year timeline carries from the date the credit trade line was first reported to a credit reporting agency, or from the date of procurement of the debt. 
I demand the above referenced credit trade line removal based upon the passing of the seven/ten year timeline. And I maintain that there is no further relevancy to the debt being posted under FCRA guidelines. The above-referenced state cases show that the accuracy of credit reporting carries into state court cases as well, whereas a creditor can be brought up on serious civil charges outside of federally protected jurisdictions under FCRA. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened an in-store credit card at Macy 's XX/XX/XXXX and was told at the time that my account and payment information would come to me by mail along with an account statement. I never received the documents and when I called to inquire I was told I could pay over the phone and that the documents would be resent. The balance told to me over the phone did not match my receipt so I requested to have a statement provided to show the individual items for which I was being charged. I was informed that until I received my account information in the mail that I could not create an online account to access this information and that the only way for me to receive it would be through mail. I was also informed that the late fee I had incurred would be waived so that I would not be hurt by this transaction. The follow up documents never arrived and Macy 's posted a 30 day late payment on my credit report. The fact that they would not provide documentation on my balance before requiring me to pay seems very unfair. I have since paid off the balance in full, including the added late fee, in an effort to limit any further harm to my finances or credit history. 

To this day I have yet to receive any documents, I still have not even been provided with an account or card number. 

I have an otherwise perfect credit history. Given that I reached out to Macy 's in order to rectify the situation and that they did not allow me to do so in a reasonable fashion, I feel unjustly harmed. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX under transunion has stated I owe money to " XXXX '' for a total of XXXX, that is not the name of my health provider, and I have insurance that covers my entire doctor visits and prescriptions, and all the company info that has been posted in my credit report is n't correct at all 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm filing a complain against Wells Fargo Home Mortgage and the Real Estate Settlement Procedures Act ( RESPA ) which allows WFHM to collect for a minimum required escrow balance in addition to the funds we collect for your property taxes and homeowner 's insurance ( yearly ). For California, the allowable minimum requirement is 2 months of escrow payments. This would be considered a WF requirement as RESPA allows for us to do so. Well, my wife and I makes over $ XXXX/year last year and we have to pay {$2100.00} monthly mortgage based on 4.5 % APR. I strongly believe that the minimum 2 months balance is highway robbery. I was wondering what is CFPB is doing about. I have e-mailed my local XXXX. Congressman, XXXX XXXX, to start a bill in XXXX to repeal this act as it hurt XXXX of strong middle-class Americans like my wife and I. I might take it further to my California XXXX. Senators and also to XXXX XXXX Obama also. Thanks, XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I took out a home equity line 3 years ago but rarely used it. I was accessed a {$50.00} annual fee each year. Upon calling on last XXXX occasions the fee was refunded. The bank branch manager had assured me that even if I do n't use the XXXX line, my fee will be refunded. Upon calling this year, my fee was not refunded and the customer service agent recommended that I close the Home Equity line to avoid the fee in the future. I agreed provided that my annual fee was refunded. The agent was quite rude and refused to refund the fee. I told her to close the account. 
I complained to the bank 's online customer service agent and was given a brush off in the form of a standard e-mail response. I request that the fee be refunded to me now that the account has been closed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am requesting with this written notice that the following inaccurate XXXX XXXX XXXX item be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. I have sent previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to remove them. If this final request does not prompt you to conduct to removal of the account and send proof to me of said investigation or removal, I will file a civil suit in XXXX KY for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am having an issue w/Well Fargo Nat'l Bank @ XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX in that I recently p/o my debt to them IN FULL, in the amt. of {$48.00} & $ XXXX, XXXX separate chks. I mailed the chks., w/the bill a FULL days days ahead. The bill was due XX/XX/XXXX, they have repeatedly held my chk. to be able to stick me w/a LATE FEE & in this case, in addition to the late fee, chg. me INTEREST, as well. I just rec 'd a bill in the mail for {$71.00} & they have closed my acct. They are a horrible bank to deal with! I am a recent widow & only get pd. once mo. & send all bills currently due the XXXX of every month. I have sent them a letter, stating my complaint & that I am contacting the FTC. I have NO plans to pay for the late fee nor added interest. These institution is schiestering people constantly - I have had enough of it. I hope you will contact them to dispense these bogus fees, please!!! 
Sincerely, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXEmail ; XXXXXXXXXXXXPS- You may respond to me either in writing @ my address above or my email. Thank you for your time & cooperation. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received a call from a local telephone number XXXX XXXX XXXX XXXX. After I answered a woman named XXXX spoke very fast listing my address and asked for me by name twice. I asked where she was calling from and she said Source RM I asked what that was and she replied it was a debt collector. I asked what her location was, she kept responding by asking " how do I want to pay my debt today? '' she finally replied by saying she was located in XXXX. I asked if she was calling from a recorded line ( as I live in XXXX ) and she repeatedly asked " Why do I not want to pay my debt? '' I asked again about the call being recorded and she sighed and said " calls are monitored for quality assurance purposes. '' I then said thank you and ended the call. The whole time the Source RM representative was very rude, hard to understand and seemed to be intentionally evasive. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been trying for two years to sell my home. It is a toxic asset and needs to be let go at a short sell at the very least. I also qualify for a deed in lieu due to relocation, which I have twice been denied. I finally have an offer on the home ( first offer in two years ) and was again turned down by Ditech. 

I have received absolutely no guidance from this servicer on how to handle this home. I have stated repeatedly I am out of time, money and options and need help. Nobody wants to listen because up until very recently I was able to keep the mortgage current. Now I 'm behind and they finally want to talk, but only about my statement. They do n't want to talk about how to get rid of this property. 

There is an offer on the table. They refused to be of any help in finding out what I need to get XXXX to accept the offer. I 've only been able to speak with my actual account rep twice and she was of little help XXXX times. I ended up bypassing Ditech entirely and contacting XXXX directly where I learned about an additional resource to escalate the process of a short sell. I repeat - there is an offer on the table and Ditech was of no help in getting XXXX to accept it. 

To say Ditech has been a terrible communicator would be giving them a lot of credit. I am done playing games with them. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2015, PayPal limited my account so that I could not withdraw any of the funds in my account. I was told that I would have to wait 180 days to withdraw my balance of XXXX. I have contact Paypal by phone over the last 2 weeks, and both times they have said they would escalate the issue and call me back. As of XXXX XXXX, 2015, they have not contacted me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I called the general customer line. Stated that I wanted to cancel my credit card account. Was transferred to another person ( XXXX ) whose job is presumably to talk customers out of cancelling their accounts. Started off nice enough. She asked why I was cancelling my account. I replied that I did n't need the credit card anymore. She asked a few more probing questions before I finally told her that I simply wanted to cancel the card, my mind was made up, and that there was no way she was going to convince me otherwise. Her big " selling point '' was that closing my credit would negatively affect my credit score. She explicitly threatened that closing this credit card could prevent me from qualifying for a home mortgage loan or a car loan. I explained to her that I am attorney, I work for a bank, and that I understand how closing a credit card affects a consumer 's credit. She also explicitly stated that USAA was " looking out for [ my ] best interests. '' This is patently false. USAA makes money by keeping credit card accounts open. Still, for another XXXX minutes she refused to close my account. I asked to speak to her manager. She refused. I asked for her employee number. She refused. After another few minutes she finally relented and closed my account. The entire call took XXXX minutes. Should n't have taken more than XXXX. This whole exhange was expecially disapplointing because I have been a USAA member for nearly 15 years & have generally had positive experiences. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a credit card with Citi bank and sometimes like to go and pay the credit card bill with cash in person at a local branch in XXXX, CA. I have been informed by the branch that since I do not have a checking/savings account with Citi bank I have to provide my drivers license, social security number and my job description. I was shocked that they told me they can not take a cash payment without all my personal information. I told them they have all that information when the credit card application was filled out in 1996 ( when I first applied for the card ). They said this was a federal law requiring all this information. I bank with other banks and have not had a problem with cash transactions. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a World Points MasterCard from Bank of America with a 9.99 % interest rate. At some point in time several years ago they sent a letter stating that any future purchases would be subject to a hire rate. I do n't recall the increase, but it was significant so I decided not to charge anything anymore. I had gone through a divorce and lost my job so the balance on the card was very high. It has taken me 4-5 years to pay off that balance, but my next payment will XXXX it out ( the balance due is less than {$4.00} ). About that time, 4-5 years ago, I noticed while reviewing my online statement that they listed the name, address and social security number of a man in a nearby town with the same name as me. When I called to notify them, they were horrible saying that the man with the other name must be name. I asked them if his address and social security matched what they had on file for me and they said no. I asked them who was able to see my SSN because of their carelessness. My online access to the account was immediately terminated. Fast forward to yesterday and I wanted to log back in to see how many points I had. I reached out to them and they told me I had no online banking and could n't access my statements. I told them I wanted to see my statements online and they told me I was getting paper statements and that was good enough. They also told me that they were denying me online access because my log in information was not linked to anything. I asked them if I had a balance due and they told me what it was. So I stated that I was linked to " something '' for them to be able to get that information. I asked them how many points I had and they told me I forfeited the points when the account was closed. I never closed the account, have been getting monthly statements and making payments above the minimum due for several years - so I did n't know they closed my account. The point to this is that I have accumulated a LOT of reward points that I want. They closed my account and took my points away from me without notifying me. Are they allowed to just close your account and take your points away? I want my points back as I have made every payment on time for the past 4-5 years. Bank of America really does not care about the average person. 

Company response: Company chooses not to provide a public response
Consumer complaint: I Received Notification That TransUnion Concluded My Request For Investigation In Regards To My Zero Balance Accounts With XXXX And XXXX XXXX. The TransUnion Credit Reporting Agency Has Not Corrected My Credit Report In Regards To XXXX, And XXXX. XXXX These Accounts Are Paid In Full, And Should Reflect A Zero Balance. Please Update My Credit Report, As It Is Negatively Affecting My Credit Score, And My Credit To Debt Ratio. As of Today, My TransUnion Credit Report Is Still Showing My Debt As {$4700.00} And This Is Not Correct. And The TransUnion Credit Reporting Agency Should Accurately Report That The Balance is Zero. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, I received an alert notification from XXXX XXXX XXXX XXXX. The alert involved Bank of America reporting the following to XXXX, XXXX, and XXXX that following information respectively : Foreclosure initiated ; Foreclosure proceeding started.|Foreclosure proceeding started ; and XXXX account|Foreclosure process started. Bank of America through XXXX , XXXX XXXX XXXX, XXXX and the XXXX XXXX, XXXX initiated a foreclosure process in the Circuit Court for XXXX County, Maryland. Notices of such were sent to me and XXXX XXXX XXXX. Thereafter, a Foreclosure Mediation was scheduled in XXXX 2015 and BOA nor its representatives appeared at the mediation. Therefore, the Circuit Court dismissed the action. Since that time, no other foreclosure notice has been issued and once again, BOA has taken the low road to slander my and XXXX XXXX 's credit by reporting false and malicious information. I seek to have this information removed from both accounts. 

Company response: Company chooses not to provide a public response
Consumer complaint: There was a discrepancy in the family as to who was paying a Funeral Home bill in XX/XX/XXXX. After some deliberation, in XX/XX/XXXX, I finally paid the bill. It remains on our credit report as an unpaid ( we pulled our credit reports approximately XX/XX/XXXX ). We would like to get this paid bill off of our report, which supposedly is done by the either the Funeral Home or another entity, not ourselves. 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife paid a bill that did n't go through that came out of checking account 2 times wells Fargo put back XXXX payment then the other but took back XXXX $ which is still in question because I would like my money back I had XXXX $ and some odd change in my account before the transaction. I 'm still missing a XXXX $ I 'm not happy with the way they handled my case I want my XXXX back 

Company response: Company chooses not to provide a public response
Consumer complaint: I am contacting you today, XXXX XXXX 2015 for the second time after not hearing back from you on XXXX XXXX as you stated in your response phone message to my first complaint. Please remove the XXXX XXXX account from my Transunion credit report as it has been closed and is reported closed on the XXXX credit report. 
Please respond immediately! 

Company response: Company chooses not to provide a public response
Consumer complaint: We got a voicemail from " Capital Management Services '' phone number XXXX at XXXX this morning XXXX/XXXX/15 asking us to call XXXX. The woman leaving the message said " this is a debt collector. '' Which, I understand, is a violation of FTC debt collection laws. In addition, we have no outstanding debt that would have gone to a debt collector! I would like this scammer stopped. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: 2013 what are you doing to bring XXXX /wachovia bank /wells fargo bank for fradulent forclosure and theft of my property loss in excess XXXX, XXXX dollars, why have you not protected me as a consumer 

Company response: Company chooses not to provide a public response
Consumer complaint: TCF National Bank cashed a check for someone who stole it. The check was written to my cousin for her wedding two years ago. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I relocated from XXXX to XXXX for better employment. I was at my new employment for 13 months before being let go. I then had to relocate a XXXX time, living with my parents for 5 months while seeking new employment. I relocated a XXXX time after obtaining new employment. The whole time, I continued to pay the mortgage on the home from my savings, credit cards and help from parents until I exhausted all my available funds. I also had the home listed for sale for two years. 
In XX/XX/2014 I sought the assistance of a HUD counseling agency to assist me in exploring the avenue of a deed in lieu of foreclosure. We have diligently contacted the bank with no success in obtaining a clear process for it. Now they have foreclosed on the home and made me responsible for the deficiency. I am at the mercy of a bank that refuses to work with me to rectify the situation to mutual satisfaction. 

Company response: Company chooses not to provide a public response
Consumer complaint: Several names on report are not mine! 

Company response: Company chooses not to provide a public response
Consumer complaint: i 'm getting calls XXXX times a day from this number that I linked back to a company named Penn Credit, and they 're asking for someone who does not live with me, about something that I do not owe. I have not answered the calls. They keep leaving unintelligible messages on my answering machine. This has been going on for weeks. I do not owe any debts whatsoever. This is Harassment! 

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