AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I wired money on XXXX/XXXX/2015 from USAA account : XXXX XXXX XXXX {$5700.00}. to : XXXX XXXX XXXX, bank name : XXXX bank, bank address ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX acc # : XXXX. SWIFT code : XXXX. 
After two hours, I called to recall the wire transfer back. It was pending. I 'm still waiting for the recall. I know it 's my responsible to make sure the account information is correct. I feel that as a consumer that I should be able to recall the wire transfer as it is a error and scam. The receiving bank should be reply to USAA. All the bank should be there to help good customers not a scamer. The bank I wire the money to is in XXXX. 
The scam company is : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, email : XXXXXXXXXXXX. 
add : XXXX XXXX XXXX, XXXX. XXXX. XXXX, XXXX ; XXXX. 
Banks should be able to recall the wire transfer for all the customers. Bank should be help the customers to get their money back as it 's is a recall. 
I also want to report XXXX Scams : XXXX XXXX {$8500.00} wired to XXXX from XXXX 's bank : Beneficiary : XXXX XXXX XXXX. 
Bank XXXX Bank XXXX XXXX XXXX. 
Bank address : XXXX XXXX, XXXX XXXX XXXX, XXXX bank XXXX # XXXX XXXX XXXX : XXXXPlease do published these XXXX scams ' company and name of these XXXX XXXX company:XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, fax:XXXX address : XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX. XXXX # XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX tel : XXXX, fax:XXXX, address ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX. 
Please do protect consumers and we should be able to recall all the wire transfer back to good customers at the same day or the next day.. 
Thank XXXX : XXXX : XXXXXXXXXXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Well there are XXXX accounts open with my information. XXXX of them is from XXXX XXXX service ending with XXXX and the other XXXX is from XXXX. Both these accounts were opened without my knowledge. I did dispute them with the credit bureau but they are not removing it. Please take the steps to get this resolved for me. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX 2015, I mailed Transunion and the XXXX other bureaus my request for an investigation into several erroneous accounts being reported by creditors and collection companies alike ( see attached dispute letter sent to Transunion ). The majority of these accounts were called upon by me and the creditors were not able to verify the ssn and my date of birth. Almost all accounts were subsequently removed by XXXX and XXXX. However, I received a bewildering response from Transunion dated XXXX that all accounts had been verified ( see attached dispute results ). When I called Transunion, I was told that all items were legitimately verified, however when I asked for the contact information of the individuals they contacted, Transunion was unable to give me any such information. Transunion it seems has not conducted any comprehensive information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had a Home Depot Credit Card for three years now. It had a low $ 500limit which I did not mind since I do not frequent Home Depot as there are otheroptions closer. The credit limit was recently increased to {$1500.00} which I did notrequest nor was I notified of. 
I received a letter in XXXX stating that if I do not use the card byXX/XX/XXXX XXXX 2015 they would close my card. Two days after I received the letterthey closed it. I called the same day and spoke to a rep on the phone whosaid they would reopen the card since it was closed early and for me to make apurchase to keep it open. She stated it would take two business days for thecard to reopen. Today, XXXX/XXXX/2015, I tried to make a purchase at the store andmy card was declined. After calling in, they refused to reopen the card. Therewas no notification of the card being closed after I spoke with the rep who saidit would be reopened and she would escalate the issue to her manager. 
Another rep today informed me a manager never saw the issue and they wentahead with the closure any way. 
The embarrassment and wasted time of going in there to shop and get to theregister to have the card declined with no warning. I have other cards that mylimits have been increased, but Home Depot givesme {$500.00} and says that is too much of a " risk ''. Please. I have never been lateon any payments, and I was planning on paying this in full any way. In orderto get a new card, they want me to reapply, which means another hit on mycredit. Not to mention they closed the account so that will hurt my credit aswell. I have had no bad payment history with them and I am not a risk. Theyshould not be able to arbitrarily close some ones account without at telling, or do it prior to the time frame they disclosed. They lied and are deceitful withtheir lending practices. 

Company response: Company chooses not to provide a public response
Consumer complaint: My second mortgage with BSI Financial Services was transferred to XXXX Mortgage. This debt was discharged in my Chapter XXXX bankruptcy in XXXX. BSI has it listed twice on my XXXX report ( attached ). They have correctly listed it as " Bankruptcy Chapter XXXX '' on the first listing..but on the duplicate they show " 120 days past due '' and show XXXX late payments of 150 days late or greater from XXXX of XXXX through XXXX of XXXX. This is two years AFTER the debt was discharged in bankruptcy. 

I have already disputed this with XXXX and they left the item on the file. This is a violation of the Fair Credit Reporting Act AND the stay provided by my Chapter XXXX bankruptcy in XXXX. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: This is a story about a XXXX year old widow living in XXXX, Florida named XXXX XXXX. XXXX was born and raised in XXXX XXXX, FL in XXXX. XXXX never had children, but had a wonderful husband to whom she was devoted to for XXXX years. 
Fast forward to XXXX XXXX, when XXXX was XXXX, and at the cusp of the " XXXX '' days of free-wheelin ' mortgage and real estate boom. XXXX has a XXXX bedroom, XXXX bath wood frame home that was built in the XXXX 's where she has resided for the past XXXX years. It 's XXXX XXXX sq. ft., and by most standards in America today, would be considered modest. At the time, XXXX had a social security income of roughly {$800.00} dollars per month, and being an entrepreneur, " sometimes '' had up to another {$1000.00} dollars per month selling items on XXXX that she would XXXX in yard sales. This additional income would vary, but never exceeded {$1000.00}. 
In XXXX, with the real estate values soring ever upward, her modest little home appraised for an astronomical sum. Mortgage money was sloshing around all over the place, and XXXX was there to help provide and lubricate the exuberance. XXXX was enticed to take out a mortgage. A {$130000.00} dollar mortgage. An " Option Arm '' mortgage, that provided " options '' each month as to what she could pay, including " Interest Only, '' and/or various Fixed Rates with Amortizations that she could " pick '' each month. XXXX years, XXXX years, or " anything goes '' some other amortization, i.e. XXXX year, XXXX year, etc. that should could specify and varying each month. A payment plan designed for high income, " Young Upwardly Mobile '' sophisticated borrowers. The " Interest Only '' was based upon a " Jumbo '' Interest Rate of 6.875 % and was the cheapest payment option each month for XXXX 's meager income. This despite XXXX having a Conforming Loan Amount, and Conforming rates being cheaper, as much as 2 % less, a payment difference of {$220.00} per month. ( Conforming loans did not exceed {$460000.00} +/- in loan amount at the time. ) Being approved for the loan which took 50 % of XXXX 's monthly income was tight, but she managed at first. In XXXX of XXXX, with the economy beginning to tank, her XXXX income began to whither, and she began to get behind. Like many to that fell prey to this, foreclosure arrived at her doorstep and her defense was not enough. Sadly, she was finally adjudged in XXXX and the final foreclosure sale is in XXXX. 
XXXX should never have been approved for this loan. Approving a convoluted loan for anyone whose source of income is unpredictable, and approving it with the knowledge of taking half of it each months meager income, charging her a Jumbo Interest Rate as opposed to a Conforming Interest Rate to base the payment, and knowing in good conscience that she did n't have a " Snowballs Chance in XXXX '' to pay this, is beyond the governments definition of PREDATORY LENDING, ITS UNCONSCIENABLE AND EVIL. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Please see the attached XXXX Page Scanned Document, which is self explanatory and yet to be responded by ASC. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have sent in XXXX dispute letters and also attached a copy of my driver 's license and current utility bill confirming that the dispute letters are coming directly from me. I then received a reply from Experian stating that they think my dispute was suspicious and that it was not from me. I then called them when i received the suspicious letter to confirm that the dispute letters are coming from me. A few weeks later, I then again received another suspicious letter from them. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX, I lived in XXXX. I had never made enough money to be required to pay XXXX state taxes, and in fact, every year I received a refund. When I married a XXXX XXXX man, the military moved us across country in XXXX ; he XXXX shortly thereafter. I had no idea that XXXX was in the process of incorrectly processing a tax return for me. Truthfully, I felt almost benevolent in that I had not yet bothered to apply for the monies I knew XXXX would owe me. 

They assessed that I owed them {$1100.00}. Not only was their calculation incorrect, but they actually owed me {$350.00}. 

When we applied for a loan, I saw the lien on my account and immediately filed my XXXX taxes, requesting my refund and that the lien be removed from my credit report. The XXXX FTB can not remove it from my credit report, because they do not report to the credit bureaus, rather it is made public knowledge, and the bureaus access the public knowledge. I did get a letter from the FTB that stated the tax return I submitted on XXXX/XXXX/XXXX, XXXX days after the lien was filed, showed a balance due of XXXX. 

It is frustrating to see that the lien shows " paid '' on my XXXX credit report, as I never paid a single dime to have it removed, because I owed them absolutely XXXX, and they owed me {$350.00}. 

XXXX shows no status at all, not paid or released, just ... nothing. 

I do not know what Experian shows, but it likely is n't much better. 

This is an unfortunate error that is causing serious detrimental effects to my credit. I was never a tax dodging citizen as this blemish accuses, rather someone who was overwhelmed by the new responsibilities of being a XXXX wife, and thinking I had nothing to worry about, as I knew, rightfully so, that I owed no money. 

If there is anything at all that can be done to assist me in this matter, I am immensely grateful for your support and action. 
Sincerely, ( you wanted no personal identifiers, so I will say XXXX Wife ) 

Company response: Company chooses not to provide a public response
Consumer complaint: Filed Chapter XXXX on XX/XX/XXXX and This information is still reporting negative payment history on my Credit Report. I would like each item TO BE REMOVED FROM MY CREDIT REPORT : XXXX XXXX : Partial # XXXX Addr. Id # XXXX : Still reporting negative 30 day late from XX/XX/XXXX XXXX XXXX Partial # XXXX XXXX. Id # XXXX is still reporting negative 150 day delinquent as of XX/XX/XXXX. 
XXXX : partial # XXXX XXXX NK XXXX XXXX XXXX is still reporting open collection from XX/XX/XXXX on XX/XX/XXXX 
XXXX : partial # XXXX Addr Id XXXX is still reporting negative late XX/XX/XXXX 
XXXX BANK XXXX XXXX : partial # XXXX Addr Id XXXX is still reporting XXXX late from XX/XX/XXXX to XX/XX/XXXX negative late XXXX/XXXX/15. 
XXXX is still reporting 180 days past due from XXXX to XXXX. 
XXXX XXXX CARD : Partial # XXXX Addr. Id XXXX is not mine. 
I have contacted each creditor as well as each credit reporting agencies and have not been abIe to get this resolved. Can you please help me? 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted a claim for this previously but attached the incorrect document. I am filing this claim because of an error on my Transunion Credit Report however on my previously submitted claim I mistakenly attached my XXXX Credit Report as documentation. This is an updated claim with the correct document attached this time. Sorry for the inconvenience. 

It shows that my XXXX XXXX account is open and derogatory, but this is incorrect. This account was included in my bankruptcy and should be closed. 
Thanks, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: There is an acct. Listed as being " open and in collection '' on my credit report. The collection company is XXXX most and they list the original creditor as XXXX XXXX dvd. I have never done business of any sort with XXXX XXXX dvd, in fact I have never even owned a dvd player. The claim that I owe them money is completely erroneous and should be removed from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I do n't know why these are on my credit score. 
These are n't my debts 

Company response: Company chooses not to provide a public response
Consumer complaint: I receive sometimes multiple calls a day from this number XXXX either as Name Unavailable or Receiveables. They do n't leave a message. Ringing my phone is very frustrating as I have an XXXX parent who may be trying to call me so I need to check the phone each time it rings. Please stop this nuisance!! And please insist that companies that accept credit applications CONFIRM the phone number before thay issue the credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: PEAKS private loan is the company XXXX tech has signed me up for and they have loans that are nowhere as big as the federal loans, total amount of private and federal is over XXXX, but cost almost double what the federal loans do. When checking the interest I found it was much higher than the other federal loans I have and was never told that Peaks was the company that they went through and was not even aware until I got a notice that my student loans were all consolidated for me even though I do not have a copy of any paperwork stating that I wanted them to do it. I was rushed through signing every student loan document in the school and most of the time they had already filled them out for me without me even seeing stating that I would be expelled if I did not sign it that day right then. I had no time to go through the paperwork due to the pressure from the financial department and the threat leveled against me. PEAKS, from what I have read, is part of the complaint against XXXX XXXX and was sent here from another website stating that this information should be presented. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: This firm calls my office phone almost daily and leaves messages stating that they are with " legal prevention services '' and that I or my attorney must return their call by end of business day to prevent further action. They have also contact my mother at her home and mobile phone. I did call them back and asked them to not contact my mother again which to my knowledge they have not. I also asked them to reference what debt this is related to. They provided information over the phone but have yet to send anything in the mail as I requested. This sounds like an old debt that is beyond 5 years and I 'm not sure of the status. 

Company response: Company chooses not to provide a public response
Consumer complaint: Progressive Financial Services, Inc unlawfully and illegally removed my student loan account with the U.S. Department Of Education out of deferment status and seized {$7000.00} illegally and unlawfully from my federal and state tax return. My student loan account is suppose to be in deferment status and I should have a balance under {$2000.00} because I was given a waiver of debt for debt forgiveness. I have repeatedly received phone calls from debt collectors from Progressive Financial Services Inc harassing, verbally abusing and threatening me with harm, death, arrest and wage garnishment. 

Company response: Company chooses not to provide a public response
Consumer complaint: I advised this company that I was never notified you the original creditor of Owing this money. The account is due to be removed from my report in early 2016, but I paid the amount in full to clear it. Columbia recovery still reports to XXXX that I have NOT paid the collection. They ignored my communication to them that I was illegally never notified of owing the debt prior to being sent to collection. They continue to report as unpaid to transunion cespite being paid in full. The account is under XXXX ( XXXX ) XXXX. Please see the attached for correct address of this company 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Bank of America keeps charging me late fees after many attempts to be able to pay online. I sit on hold and just get hung up after the techs can not figure out what 's going on forcing me to pay over the phone. 

Company response: Company chooses not to provide a public response
Consumer complaint: I could n't find an option that best fit my complaint. I took out a cash net loan a few years ago paid it XXXX by now but the first time lost my letter which is my fault. I paid it XXXX XXXX of this year and had them email me a copy of my paid in full. The next day they tried to have me pay it again after harrasing me they got a paralegal involved and she resolved that it was paid and I did n't owe anymore which i have a voicemail proving that. A month later they called my father trying to get him to pay my already paid debt. I 'm XXXX years old and do n't need my father involved on my behalf. I called and resolved it with the paid in full letter. Today I recieved a call trying to get it paid again. This company is harrasing me even though my debt is paid off. Can you please help me? 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I am trying to purchase a home and there are many accounts on my credit report that are still reporting negatively on my credit. I have tried disputing the items and hiring agency 's to help me resolved these negative inquires and accounts. I am yet to see any removal. Please assist as you are my last resort. 

Company response: Company chooses not to provide a public response
Consumer complaint: since XX/XX/2013 I have been applying for loss mitigation and have always denied saying they did not receive the documents they asked me, I even went with an organization that helps those who made me all the paperwork and sent the required documents, but when I called the specialist assigned for the Bank who never answers only record label, said that the Organizations had sent compressed documents and it could not be opened, it is clear that the bank is not suitable to accept my applying for loss mitigation denied on the pretext of not receiving my full documentationEven though I meet all the requirements for this program, The last time call with an employee of HOPE and they said they already had all completed documents, however just receive a letter from the bank saying that they Declined because they do n't have the required documents. I call the specialist they assigned me but were unable to attend me, and meanwhile my debt continues to grow and foreclosure continues for sale. This is my only shelter, I am a senior citizen and need to stay home if they approve my applications, I can make my payments. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I tried to obtain my credit score by using my Social Security Number for my free credit score that I can get free XXXX a year and I did not recognize none of the answers to the question that they were asking me. So I choose none of the above for all my answers and I was told that there was a problem with identifying me. Someone must stole my identity because I can not receive my score. I stay in an XXXX apartment and never bought a house or finance a vehicle. Please help me, I think someone stole my identity. 

Company response: Company chooses not to provide a public response
Consumer complaint: While reviewing my credit report a few months ago, I noted an inaccurate report from Enhanced Recovery Corporation account # XXXX with original creditor XXXX. I contacted the creditor by phone and informed them that I have never opened an account with reported creditor on XX/XX/2014. They asked me to send them a dispute letter in writing and I did. Up until today, I have not received a response from them and the account is still showing in my report negatively. can you please help investigate this issue. Thanks 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I tried to access my credit report because I could not answer the security questions. XXXX was about a loan I never heard of and another about a new car that Ive never seen 

Company response: Company chooses not to provide a public response
Consumer complaint: I noticed that a credit card company reported my account on my credit report, even though I am only an authorized user. This is a violation of the FCRA and I respectfully request that you remove this listing immediately. 

According to section 603 of the FCRA, only information on credit issued to a consumer is allowed. If you are an authorized user, you do not fall under these categories, you are not responsible for the debt and did not receive credit. An authorized user does n't have credit on this account and it 's only the signor that is responsible. So, in essence, if an account on which you are an authorized user shows up on your report, it would be someone else 's credit ( the signor on the account ). 

Company response: Company chooses not to provide a public response
Consumer complaint: Markoff Law, a collection agency is contacting me about a debt from the city of XXXX that is A ) Past the statue of limitations and B ) was included in my bankruptcy. 

This is a very old debt from XX/XX/XXXX or XX/XX/XXXX. 

This company is attempting to collect a debt that is no longer legally collectible. 

I have worked had over the year so repair my credit and I do n't need some bottom feeder collection agency trying to strong arm me into paying a debt that is no longer owed with threats to place a negative entry on my credit report. 

Company response: Company chooses not to provide a public response