AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Over the last several years My phone number has been called by various collections-telemarketers as debt has been sold and resold down the line. I have repeatedly asked for my Tel. Number to be removed from the call list concerning this individual whom I do not know. ( XXXX XXXX ). The latest company to call me, after being told they have the wrong number, is continueing to call. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Experian Credit Agency keeps sending me letters say that my information does not match ; my Social Security number does not match my name. I 've done everything in my power to prove that is does. I 've sent a copy of my Social Security Card, my photo ID, my XXXX, a utility bill with my address. I also went to Social Security Administration Building and had them verify all of my information. Social Security Department wrote a letter to Experian stating that my name matches my Social Security Number with notarizing it. And yet I 'm still receiving the same letter from Experian stating that " The Social Security number you gave us does not match the identification information in our database. '' 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX is an account that was originally opened in XXXX of XXXX, was then sent to a collection agency named XXXX and eventually paid off in full in XXXX. I had printed a credit report in XXXX to get the status of when the items, XXXX XXXX and XXXX XXXX, would be removed from my credit report and it was noted that it will be removed in XXXX of XXXX. I recently inquired to a credit bureau representative about late payments to another account that should be removed and upon confirming the removal of XXXX XXXX and XXXX XXXX from my credit report in XXXX of XXXX, I was informed that the date was changed to a time in XXXX without any legitimate reason. I am disputing the fact that I should n't have to wait an extra two years to have items removed from my credit report when its was verbally expressed and stated on a credit report that the items were going to be removed in XXXX of XXXX. I have the original copy of my XXXX credit report if it is needed to confirm my dispute 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX I opened a Kay Jewelers Account to finance wedding rings. I fell behind in payments and made arrangements through Kay to auto-deduct {$35.00} every two weeks from my bank account. The deductions continued for a little over a year and stopped ; not by any act of my own so I assumed the debt was paid. I was contacted approximately 6 months after the last deduction by Kay who stated I owed approximately {$600.00}. I told them I disputed the debt and continued to receive notices and phone calls for another month ; all of this occurred from XXXX to XXXX or XXXX. I then received a phone call in XXXX of XXXX from an associate from XXXX XXXX XXXX who stated they were collecting the debt on behalf of Kay and said I owed {$1300.00} and then went on to say that if my employer ( Sheriff 's Office ) had to collect the debt it would be embarrassing. I spoke with the associate at length describing what had occurred and she did confirm that the account showed that the auto withdrawals had ceased for an unknown reason. She stated that her firm would settle the debt for {$600.00} so even though I disputed the debt I wanted to clear it up so I agreed and paid the aforementioned amount with the last payment occurring on XXXX XXXX, XXXX. ( I have XXXX emails confirming this as well as confirming that the debt would be deleted from my credit file ). On XXXX XXXX, XXXX, I received a phone call from an associate from XXXX XXXX XXXX who stated they were collecting a debt on behalf of Kay Jewelers for over {$1000.00}. I tried to be as courteous as I could but did tell them that the debt had been paid through XXXX XXXX XXXX. They requested for me to send them proof but I declined and told them I was not paying anymore money and hung up. Approximately an hour after the first phone call XXXX XXXX XXXX called me again trying to collect the debt at which point I explained to them again, less courteous this time, that I would not pay anymore money. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: My husband and I are attempting to refinance our home. The mortgage broker sent us our credit scores and mine came in very low. We just got a free credit card report on from one of the companies that the broker gave us which reflected my lowest score. On the account we just received in 7 years for XXXX records there was actually just XXXX issue in question. And I am trying to find out more about it. But frankly to penalize a citizen in this way for XXXX issue seems outrageous. Here is a list on the brokers report of my so called transgressions - none seem applicable. 1. Serious delinquency 2.Time since delinquency is too recent or unknown 3.Proportion of balances to credit limits is too high on bank 4. Revolving or other revolving accounts. 
All this because there may be XXXX account for a small amount of money to be disputed! 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX, I obtained from Experian the annual free credit report to which consumers are entitled. I noted there were XXXX hard-pulls for information from " XXXX XXXX '' throughout XX/XX/XXXX I have nor have ever had any accounts with XXXX XXXX or their affiliates. I received no solicitations for credit card business from XXXX XXXX. I similarly have no credit, gas, or store cards. I immediately disputed this with Experian, requesting an investigation. I similarly contacted XXXX XXXX numerous times, and they refused to provide any explanation. 

Similar " XXXX XXXX '' inquiries have been made of another c.r.b. during the same time period. 

Also, during the time period in which these inquiries occurred, I was involved in a dispute with a local attorney regarding an estate matter. I find the correlation between these XXXX seemingly unrelated matters very curious. 

Experian 's response was to simply remove the entries from the credit report without providing an explanation. I sent Experian a letter on or about XX/XX/XXXX expressing my dissatisfaction for the trivial way in which they handled my concern. Today, XX/XX/XXXX, I received a revised credit report that omits the " XXXX XXXX '' requests. No explanation was provided for why XXXX XXXX, or someone purporting to be them, made these XXXX requests, and Experian likewise complied each time XXXX XXXX times in XX/XX/XXXX ). This activity is highly suspicious. XXXX XXXX will not acknowledge requesting the information and Experian refuses to address the incidents. 

I have spent considerable time trying to resolve this through all available means ( electronically, telephone calls, and standard USPS mail ) I am concerned both that the requester may not have been " XXXX XXXX '' and that Experian inappropriately furnished information to the requesting parties. The concerns are further legitimized by the seeming unwillingness by Experian to provide me the results of any investigation that may have ensued. 

I respectfully request for assistance in obtaining an investigation or the results of any investigation already conducted, as well as those which may be conducted, into why this incident occurred. Thank you for your anticipated prompt attention to this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear CFPB, I recently applied to access my credit with XXXX and was denied based on insufficient credit file and some type of garnishment or suit that appears only on my credit file reported by XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have paid off a car loan and an employee at the loan company is attempting to prevent the car dealership from releasing the title to myself. 

Company response: Company chooses not to provide a public response
Consumer complaint: The new IRS regulation limiting the IRA rollovers has put a burden on those of us who have saved for retirement and are trying to manage our own investments without paying fees to stockbrokers. IRS publication XXXX, XXXX XXXX, 2014 states that " trustees are encouraged to provide the customer a check made payable to the receiving IRA trustee. '' This would satisfy the trustee to trustee requirement. Citibank refuses to accommodate our request and instead wants to charge us a {$75.00} fee to use the trustee to trustee transfer method. We feel that we have been penalized enough and are at a loss as to how to cope with continuing to have to deal with regulations that are not friendly to the customer. 
We realize that you do n't control interest rates, but before we could at least move our retirement accounts around to get the best interest rate, however meager. 

Company response: Company chooses not to provide a public response
Consumer complaint: AARGON KEEPS CALLING MY NO. IN VIOLATION OF T.C.P.A. 
THE PHONE CALLS ARE FOR A 3RD PARTY, XXXX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have maintained a Best Buy Mastercard through Citibank for almost 10 years. This year I failed to receive my card at renewal time. After I emailed customer service, they informed me that they would send out another card. I chaulked it up as that they had forgotten to send out the new card. I even saw the annual membership fee of {$59.00} bill to my statement. I called the customer service about 14 days later to be told that the card had been mailed out with an expiration date of XXXX 2015. I asked why would I receive a card that was only good for a few weeks. The representative then tells me that the card was not renewed. I asked why did n't I receive a notice as required by law by the Fair Credit Reporting Act. She then placed me on hold to speak to her supervisor. She came back to the phone to tell me I would receive one 14 business days. Again I asked why did I get billed the renewal fee. She stated she would remove that fee. I then requested to close that account. She stated she would but I would have to reapply to open it. I stated you guys were going to close it anyway. 
My complaint is that they did n't supply the required legal notice that the account was being closed until I inquired. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a complaint about Merrill Lynch XXXX Alabama office. My XXXX account was taken over with funds exceeding over {$76000.00} and ML allowed a person that was never on account to withdraw all funds. The local Judge heard the case and has ordered that account be refunded, however to this day from XXXX nothing has been done. I have court order with me as XXXX account sole custodian and I have every check that ML has allowed to be cashed and taken from account even after account was frozen. 

Company response: Company chooses not to provide a public response
Consumer complaint: I noticed on my credit report that the bureaus transunion and XXXX are reporting that Ive been late towards my XXXX credit card numerous times. Today XX/XX/XXXX, I spoke to a representative in the XXXX credit department to correct the information stated and it was confirmed to me that there has only been XXXX late payment back in XX/XX/XXXX. I am disputing that my credit report should update the proper information regarding late payments made so the courtesy to increase my credit scores can be provided 

Company response: Company chooses not to provide a public response
Consumer complaint: Good afternoon. 
I went into the Wells Fargo Bank Branch in XXXX AZ to withdraw {$800.00} on XXXX XXXX, 2015. When I went to get a printed statement I saw that there was a withdraw for {$1800.00}, something that I do n't recall doing so. So of course I went to the teller to get further information and all they said was that their balances were not out of balance and that they were going to submit paper work to try to get the security cameras looked at the time the teller was counting off the money. So, I got the run around and just on XXXX XXXX there was a voicemail from a woman named, XXXX. She said that the cameras are not there to focus on the money being counted just on the security of the staff. I 'm not satisfied with this answer. I never withdrew {$1800.00}. I want them to physically show me through video that they actually gave me that amount of money. Their balances are not sufficient proof for me to be content with their answer. Please help! 

Company response: Company chooses not to provide a public response
Consumer complaint: I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: My bank is authorizing an electronic transfer to an insurance company every 3 months. The insurance was free for 1 year for opening a checking account. The insurance is not needed and not wanted. I called the bank in XXXX 2015 and told them to remove the automatic deduction and was assured it would be taken care of. The same transfer just occurred again, XXXX/XXXX/15. The Bank is unresponsive referring me to the insurance company. I tried to phone the insurance co. in XXXX. I was put in a wait system and then was disconnected. This problem is on the internet - many are having the same problem. 
The transaction involves the XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX is the payee on my bank transaction information. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear CFPB, I have tried to access my credit recently and was denied because EXPERIAN continues to report falsely a judgment item that the entity XXXX, XXXX did not validate as due and owing to I, XXXX XXXX XXXX. The item was deleted and then inserted back in by EXPERIAN.The entity XXXX, XXXX never responded to my complaint I made to my XXXX of NJ and EXPERIAN continues to report the item falsely hurting my creditworthiness. 

Company response: Company chooses not to provide a public response
Consumer complaint: My old XXXX credit card account that was included with my bankruptcy that was discharged last XXXX of 2014, still appears on my credit report and indicates " Account Status Open - Derogatory ''. The account is not open and should be listed as closed. This is negatively impacting my credit report and I would like it removed. 

Thank you, 

Company response: Company chooses not to provide a public response
Consumer complaint: The marketing companies only said they would take me off, but thought I was interested in offers. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have filed numerous CFPB complaints since XXXX of this year about XXXX XXXX Card and Experian 's reporting of it, yet false reporting on my Experian credit report continues. Specifically, there are XXXX XXXX XXXX XXXX previous CFPB complaints about XXXX Bank XXXX # XXXX ; # XXXX ; # XXXX ; XXXX XXXX and XXXX XXXX XXXX XXXX previous complaints about Experian XXXX # XXXX ; # XXXX ; XXXX ), for a total of XXXX XXXX XXXX XXXX, separate previous complaints about XXXX them since XXXX of this year. 

Why has the CFPB allowed the false reporting on my Experian report to continue? 

On an Experian credit report for me dated XX/XX/XXXX ( report # XXXX XXXX, XXXX malignant refuse is scattered throughout the report. On page XXXX, a charge off from XXXX XXXX is shown in XXXX of this year. Yet, again, on page XXXX of the same report, XXXX XXXX 's dirty litter remains on my credit report, when it is shown that it received a copy of my report on XX/XX/XXXX 

In view of the systemic, wanton lying on the part of XXXX XXXX, XXXX Bank and Experian, as documented in XXXX complaints now, I ask the CFPB to sanction all XXXX of these bad actors in the credit, credit reporting, and financial services industries. 

All XXXX of these institutions should be shut down immediately, all of their receipts should go to a special master and they should all be fined heavily for their wanton violation of fair credit reporting laws. 

All reference whatsoever to XXXX XXXX in my credit report should be eliminated once and for all, and all sewage streams that continue to try to dump refuse about it into my report should be permanently XXXX and denied any further access to my report. 

Experian should be fined daily, with exponentially increasing amounts, for its failure to implement these corrections. 

Company response: Company chooses not to provide a public response
Consumer complaint: In my credit report, it shows my brother information and mine. I think my brother and I are mix together. Some information are my brother. Please help me to correct my credit report. My phone number is XXXX. If any information want to know, connect me. Thank you! 

Company response: Company chooses not to provide a public response
Consumer complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: On, XXXX/XXXX/2015, I used the internet to get my XXXX score from Experian. I had to give them my debit card number so they could take a XXXX or whatever the cost maybe. On the weekend I tried to cancel my membership so I call the number on the internet just to find out they were closed. XXXX XXXX, 2015, I finally got in touch with a person who stated that she would discontinue my membership. I have a letter by email stating such. After that I noticed that my checking account was overdrawn. So once again I called Experian just to find out that they had stated that on the seventh day my account would be charged. I do n't remember reading anything pertaining to this. 
On, my bank statement you can see how it was after I made my call to cancel my membership. If I am not mistaken I do n't think they were closed on the weekend I tried. 
If I am not mistaken I believe that they already have your cell number so if or when you call before the 7 days are up they take the money out of your checking account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was contacted by garrettson financial services and was informed that i was being sued by u.s. bank for overdraft fees from 5 years prior. This call was the first time i have heard anything about overdraft fees or a lawsuit. XXXX XXXX demands i pay the settlement with a down payment that is due within 24 hours or i will have my assets seized and my wages and taxes garnished for 10 years. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband, XXXX XXXX, and I filed a Chapter XXXX bankruptcy XXXX restructuring of debt ) in Georgia on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, we filed to covert our case to Chapter XXXX XXXX total discharge of debt ). In XXXX XXXX, we incurred a debt with Suntrust Bank when our checking account was closed out with an outstanding balance. This occurred before our bankruptcy was converted, and therefore, should have been written off by Suntrust when the bankruptcy was discharged in XXXX XXXX, in accordance with U.S. Bankruptcy Code XXXX Suntrust refuses to write off the debt and report it correctly XXXX. I have provided proof that we converted the bankruptcy after the debt was incurred, and my lawyer has sent them a letter stating that, under U.S. Bankruptcy Code XXXX XXXX b ), debts existing at the time of filing under Chapter XXXX are eligible for discharge. 

Since XXXX XXXX, I have spoken with Suntrust representatives numerous times. XXXX representative told me that their bankruptcy department did not remove the debt because our original case was filed in XXXX, before the debt was incurred, and that you can not add new debt at the time of conversion, which is false. I have also been told XXXX times that they would update their records and report it correctly to XXXX. I have also been told that they received my documentation, as well as the letter from my lawyer. 

Today, XXXX XXXX, XXXX, I was informed that Suntrust had none of this documentation on file, and that all they could do was send the account back to their bankruptcy department for review for a third time. I have spoken to XXXX more representatives from Suntrust today, XXXX from their recovery department, and XXXX from litigation. The woman from recovery told me that she would send an email to her supervisor who was out sick today, and he would call me back. The woman from litigation noticed that my account had been sent to their bankruptcy department XXXX times now and asked to call me back after she could look into my account further. When she called me back, she said that it has been taken out XXXX. This is the XXXX time in XXXX months that I have been told this, and I am skeptical. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was given a pre-approval and the green light to start looking for a home with Suntrust around XXXX XXXX 2015. Made an offer on a home on XXXX XXXX and the process " started ''. Was given the closing date of XXXX XXXX 2015. Went through all the inspections and the whole XXXX to get this home. My seller is/was starting their process to move and find a hime out of state. On XXXX XXXX I got an email ( not even enough respect for a phone call ) stating that I would not be closing on XX/XX/XXXX. Once I make a few phone calls to figure out why, I find out that my loan officer and the processor forgot about me and never even sent me to underwriting. After my sellers agreed to an extention, and Suntrust " doing everything they can '' I find out on the XXXX of XXXX that I was denied. Reason was because of my self-employment relocation. This is something I told Suntrust the very first day I walked in to get pre-approved. I find out after this, that this is something that was known the whole time that I would never have been able to get a loan through them and was just strung along through the whole process, so they could " exhaust every resource ''. It 's a shame that such a large bank and a loan officer that holds the position of VP of the mortgage dept. here locally, can lie to someone and put a huge burden on them while trying to make a major life decision and change. I have been XXXX miles away from my wife and XXXX young children during this whole thing and am now XXXX as I already sold my home in Florida. I must now scramble to find a home to rent as my seller will not sign another extension. All due to Suntrust not doing their job. They have agreed to refund me any money that I have paid out of pocket for inspections, appraisal, etc - and to me, just shows that they know they are guilty in the situation as they are not obtained to do so ( because I should have never made it past his desk in XX/XX/XXXX with a pre-approval letter ). I feel Suntrust should make it right with a customer that they have had for over XXXX years and see that I have the credit, cash, payment history, and income to support a loan from them. 

Company response: Company chooses not to provide a public response