AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX/XXXX/15 I mailed a dispute letter and an investigation request for XXXX items on my credit report with Experian by certified mail, which they received by certified mail on XXXX/XXXX/15. Experian sent me back a form letter which seemed to me to be both threatening and insulting and a blatant attempt to avoid investigating the items in a timely manner. I believe the attached documents reflect that the dispute item was sent to them correctly and in the form they require. I did not respond to the form letter, as my accountant advised me this would delay the investigation, which is what they wanted. I have since received responses from the other XXXX bureaus, but none from Experian, which indicates they decided not to investigate my complaint. I believe this a blatant violation of the Fair Credit Reporting Act and was an effort to intimidate and coerce me into not pursuing the correction of faulty information on my credit report. I wish to file a complaint against them. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX, 2015Federal Trade CommissionXXXX XXXX XXXX, XXXX, XXXX XXXXDear Sir, My name is XXXX XXXX XXXX This correspondence is in regard to unfair, unethical and potentially criminal activity on the part of XXXX, a U.S. online travel agency and its vendor, XXXX XXXX. 
On Monday, XXXX XXXX, 2015 I attempted to book a vacation package to XXXX, XXXX for XXXX XXXX XXXX, 2015. The reservation was supposedly not approved by my XXXX credit card issuer ; XXXX XXXX or XXXX debit card issued by SunTrust Bank although funds were available with both institutions. Surprisingly I had several pending charges and subsequent hold on funds with the XXXX credit card ( XXXX XXXX ) and XXXX debit card ( SunTrust ). 
I do not understand how XXXX and its vendor ; XXXX XXXX, can place charges to consumers accounts thereby freezing assets for goods or services not provided. As of XXXX XXXX, 2015 XXXX and XXXX airlines are illegally holding close to {$3000.00} of my money. I am requesting an immediate release of pending charges on my accounts : XXXX XXXX XXXXSunTrust MasterCard XXXXIn addition, I am demanding financial compensation for lost wages, loss of use of funds, increased vacation travel costs, stress and anxiety. Please contact me at XXXX ( h ) XXXX ( o ) or XXXXXXXXXXXX to resolve this matter in a timely and suitable fashion. Thank you. 


XXXX XXXX XXXX : XXXX XXXXSunTrust BankConsumer Financial Protection BureauXXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: These company 's make it to difficult to obtain a credit report with the questions they ask 

Company response: Company chooses not to provide a public response
Consumer complaint: I had purchased goods via paypal services but have not heard from the company or received the goods. Initially received first item that had errors, so initially was told via email that he would rectify it by sending another one all we had to do was pay additional shipping. So we paid the Shipping on the XXXX of XXXX. He took the money since and we have not heard back from and of our emails. He is also a business overseas. We tried to deal with it properly through him first but he was very argumentative and disagreeable but then decided to send us a replacement as well as keep the original which we had already spent more money to fix what he had not done properly. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2015, I contacted Experian via XXXX in regards to some inaccurate information that is currently being displyed on my Experian credit report. In my letter, which I have also enclosed for the CFPB viewing I included a copy of my Colorado drivers license, and a utility bill, which Experian requested via thier phone message that they have for the consumer when the consumer calls to order thier credit report, if the information they have on file for them does not match Experian records. 

I would now like to take the time to address the letter that Experian sent to me in responseto the letter that I mailed to them with my disputes enclosed. Experian has written in thier letter to me, Dear XXXX XXXX XXXX XXXX, we recieved a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious request are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. Experian will apply this same policy to any future suspicious requests that we recieve regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
I would now like to ask Experian how did they come to the determination that my dispute were suspicious? because I sent the correspondence to Experian, that they requested in order to begin my dispute process! According to the FCRA Experian as they are no doubt aware that what they are doing is illegal, and is in VIOLATION of the FCRA LAWS! 

This is written notice to Experian that thier claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that the addresses, phone numbers, and the erroneous names in which have been illegally displayed on my credit file be verified, and if verification can not be made within the 30 day time frame allowed to Experian by law. The disputes listed in my original complaint must now be completely removed from my credit report. ( Experian will now exceed the time frame allowed to them by law, i sent my disputes out to them on XXXX XXXX, 2015 ). 

Experian legal staff will agree that compliance with this request is required under the laws of the FCRA and Colorado and Federal Statutes. Per the FCRA each disputed item that Experian continues to disply on my credit report, once they have exceed the dispute process time limit, could result in a {$1000.00} fine per disputed item as Experian is no doubt aware. 

Company response: Company chooses not to provide a public response
Consumer complaint: Although I was only allowed to check XXXX statement in each category, almost all of the above apply. A debt that was satisfied in 2005 with proof from my credit union, they presented to the courts, continue to leave on public record, removed money from my bank account and told motor vehicles not to issue my registration ( although motor vehicle did cash my check ), Motor vehicle has not sent my registration. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Although I was only allowed to check XXXX statement in each category, almost all of the above apply. A debt that was satisfied in 2005 with proof from my credit union, they presented to the courts, continue to leave on public record, removed money from my bank account and told motor vehicles not to issue my registration ( although motor vehicle did cash my check ), Motor vehicle has not sent my registration. 

Company response: Company chooses not to provide a public response
Consumer complaint: Chexsystems is reporting that I have some kind of defaulted or NSF Check or account and therefore I am unable to open a bank account. I filed a complaint with Chexsystems and they say No Information Found, yet they still report me. My Consumer ID is XXXX XXXX XXXX. This is incorrect and needs to be corrected immediately. They have provided no information to support their reporting. 
XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, MO. XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Sears Visa Credit Card charged me XXXX indicating that I did not pay my bill for the month of XXXX 2015 

Company response: Company chooses not to provide a public response
Consumer complaint: Dyck Oneal has repeatedly called us and threatened to take us to court over and over again for years. Their collection tactics are abusive. They are still on our credit report without a judgement ... just threats and harassment. Everything has been documented. They have violated FDCPA several times. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I have tried SEVERAL Times, UNSUCCESSFULLY, to receive my FREE Credit Report from TransUnion! I have tried EVERY Avenue : Online, which resulted in me having to send in copies of Bill, ID, XXXX, as well as being directed to call and told in 2-3 weeks, it will be mailed. However, I have NEVER Received any copies of my report from them, even though I have complied with the necessary requests. I have received copies of my XXXX and XXXXn reports, but nothing from TransUnion. It is Pertinent that I get this report, especially since it is my right to XXXX annually. Furthermore, it has been more than TWO Years since I last received XXXX from TransUnion. I do n't know what else to do nor whom to speak to, as getting a " Live Person '' is a joke. 

This means appears to be my only option at this point. 

Thank you kindly 

Company response: Company chooses not to provide a public response
Consumer complaint: Today I called in to simply close my citi credit card account ( which has been paid off and now with XXXX balance since weeks ago ), but instead I had to spend XXXX mins on the phone with XXXX agents. The XXXX agent asked me a set of questions, and then she insisted to transfer me to the other agent. The XXXX agent ( Name : XXXX, agent id : XXXX ) asked me the same set of questions again plus a few more questions, but he refused to listen to my request ( ie. close my account ), and he stated citi ca n't close my account unless I cooperate with him to answer all the questions he asked and in the exact format he needed including some personal questions about my business. When I said I was not comfortable sharing that info and hoped he could record my answer to that question as " N/A '' and then move on to help close my account, he refused to proceed with my request and accused me for not understanding his job. He said " You ca n't see the screen in front of me, so do n't assume I can just put a N/A for this question. You must answer " yes '' or " no '' otherwise I ca n't close your account ''. I ended up begging him to close my account, but still have no clue if my account is closed or not. 
Also I shared with him I only have XXXX mins for this phone call before my business meeting at XXXX EST, and appreciate if he could help close my account in XXXX mins. Obviously the call lasted way more than XXXX mins, and for the most part of this phone call was just him repeatedly saying non-sense things, such as how much I do n't understand his job and the reasons why he needed to explain to me again and again about the AA points which I already clearly shared with him there was no concern from my side. 
Also citi changed my credit card card number without notifying me or any sort of communication. So I still do n't know the current card number on citi 's side. What I have are the XXXX cards I received from citi ( XXXX before the fraud and XXXX after the fraud ), and they are XXXX and XXXX hope these are helpful to link my case to my account. 
Finally I hope citi recorded this phone call, and people will know how ridiculous this XXXX guy was. This phone call was almost funny, if you consider how much he refused to listen to the customer and how much he was soaked in his world about the exact format of answers he required. Citi should share this phone call publicly, and it will be a great XXXX hit. 

Company response: Company chooses not to provide a public response
Consumer complaint: Unauthorized inquiries on my Trans Union credit report. 
WWW.XXXX.comI have set up an account with XXXX to monitor all XXXX of my credit reports. I have noticed several dozen inquiries reporting on all XXXX credit reports that were not authorized by me in anyway. Rather than submitting XXXX dispute at a time regarding the unauthorized inquiries, I have attached a word document showing all unauthorized inquiries reporting on Transunion. I have included, the Inquiry Company, inquiry companies ' address and date of inquiry as well below. These unauthorized inquiries need to be removed immediately. XXXX Total. 

Company response: Company chooses not to provide a public response
Consumer complaint: My property is scheduled for sale for this Monday, XXXX XXXX at XXXX for XXXX. It is currently valued at XXXX. I am ready, willing and able to resume monthly payments with a modified loan but an official told me today in a tape recorded telephone call that they refuse to do so. I need time. Thank you for your help in stopping this sale!! 
I have been attempting to modify my loan since XXXX of 2011. I have needed to hire XXXX lawyers, XXXX for modification and XXXX for bankruptcy during this time period because of a lack of cooperation and honesty from Wells Fargo and my mortgage holder. I have been denied modification because of lack of hardship, which is untrue, and now a high income XXXX. They have had no intention of granting a modification, since a meeting with the mortgage holders, but have been continuously requesting monthly payments. An official I spoke with in 2013 said my mortgage holder does not give more than XXXX modification, yet they have accepted modification paperwork continuously as my monthly payments have compounded. 
My original mortgage was XXXX plus an additional loan of XXXX. The XXXX loan was needed to be able to purchase the house. Because of the predatory nature of this loan, it was modified from 8 % to 4 %. The XXXX loan was forgiven this year. 
At that time I experienced extreme hardship. I was also paying off my house mortgage in XXXX. I was unable to rent that house because the town did not approve of having renters. We had moved to XXXX after being put on XXXX as a XXXX. My wife was also XXXX during that time, but became XXXX due to school construction XXXX.. My wife was awarded social security XXXX because of her incurred XXXX. She is of XXXX and has been a victim of prejudice professionally and even in this loan process. My parents and mother in law have died during our hardship and we have been taking care of my father in law, a XXXX XXXX victim. 
Wells Fargo refuses to work with me in this loan modification, even though they have received XXXX of dollars to help home owners. Please help me to delay this sale so I can resume payments again. 

Company response: Company chooses not to provide a public response
Consumer complaint: Legally I do not owe. I was not evicted. I have never been evicted. I do not have to pay fees for something that did not happen. Said the Judge. I have court documents stating that I do not owe this. I have a receipt that I paid what was ordered ; paid in full. This is a point of harassment and intimidation. I sent a notice in 2014 to cense and desist. I am XXXX and have been living on a fixed income budget. I would like assisted to resolve. The claim is on my credit reports and is causing damage to my credit profile and good name. I would like to resolve this matter without going to small claims court for damages, but this is also credit issue and fraud. dmp 

Company response: Company chooses not to provide a public response
Consumer complaint: HiI previously lived in XXXX, XXXX and at the time of move to XXXX ( 2008 ), I opened a Bank of America account to make use of their national branches. I opened the account at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I was provided a checkbook obviously with a routing number and account number. I used that routing number since 2008. In XXXX of this year I ran out of checks with my account and requested a new checkbook through Bank of America 's website. Unbeknownst to me ( without any notice ) Bank of America changed my routing number. Around the same time, I filed my taxes with a firm that filed my taxes last year. They used my routing number and account number they had on file. My check with the IRS bounced since the IRS was using the " old '' and now expired routing number. Also, my refund with the State of Virginia was deposited into my account also because of the routing number error. I contacted Bank of America to alert them to this matter but have not yet received a satisfactory response. I subsequently sent a check to the IRS and am in the process of clarifying the error with State of Virginia. I have also updated as many e-check/auto payments as I can remember but I am concerned that checks/electronic payments that I have not yet updated will bounce. Bank of America has not provided me with any set of procedures or accounting for payments that do not get processed as a result of the change of routing number. I am concerned about my credit and not honoring payments as well as not receiving payments, such as the State of Virginia tax return. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had Filed for chapter XXXX XX/XX/XXXX and was discharged XX/XX/XXXX. I had been disputing items on my credit report about things that was not correct and every time I dispute it something else is wrong. now this time it is saying that the accounts are charge offs after I filed for bankruptcy. I do n't think they should be reporting charge offs on accounts that were closed with a bankruptcy because they were sold off after I had filed. and if they were charged off and sold it should state that the date before I had filed. I t also says debt included in chapter XXXX on XX/XX/XXXX it was not included in XXXX it was included in XX/XX/XXXX with all my bills I handed over and it should also state by consumer 's request not XXXX request. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased kitchen appliances at Sears in XXXX 2014 the sales person talked me into applying for a Sears MasterCard to get an extra 5 % discount on my purchase. They also offered 0 % interest on the credit card for all purchases in the first 6 months. When I received the XXXX statement they added an interest charge of {$760.00} for the previous purchases. I called customer service and spoke with XXXX who said I needed to pay the balance before the 6 months period ended and that 's why the amount was added. This is not the way the sales person explained this to me. Making a major purchase is overwhelming and I was taken advantage of by the sales person. She never mentioned that I would incur this charge if not paid within 6 months. The total purchase was near {$8000.00} and current bal is {$2000.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: A fraudulent charge appeared on my credit card. I have been trying to get Barclay 's to address this issue. I have sent XXXX letters and called XXXX times. I have not received any documentation from them, any notification from them, nothing. When I call to try to find out what they are doing I get the run around. They are trying to drag this out past the XXXX period where I can dispute the charge. They have offered no explanation and no help, I just keep getting bills and when I call to ask what is going on I am told the department that handles is " is n't answering their phones. '' 

Company response: Company chooses not to provide a public response
Consumer complaint: This is my XXXX complaint against this company. I 've told them numerous times not to contact me during my working hours of XXXX, and they continue to do so. They also discuss my account with third parties that I have listed on my account as references. They do n't state the company name in phone calls or messages, and when asked by a reference what company was calling they refused to give the name, just that they 're a tax service in XXXX XXXX. They then proceeded to tell my girlfriend details about my account and asked that she bring them a payment for my account. This is all after she and I have told them that I put a check in the mail because I would n't be able to make it to their office to pay it in person. I feel like their harassing and deceptive collection practices are against the law. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for assistance in saving my home by hiring an attorney who faxed my fully executed and complete financial package to Wells Fargo Home Mortgage on XXXX XXXX, 2015. My attorney confirmed Wells Fargo Home Mortgage received my application on XXXX XXXX, 2015. 

On XXXX XXXX, 2015 Wells Fargo Home Mortgage via XXXX XXXX XXXX filed and recorded a Notice of Sale on my property. The sale date was originally XXXX XXXX, 2015 and was extended to XXXX XXXX, 2015. 

On XXXX XXXX, 2015 my attorney confirmed Wells Fargo had denied me for a loan modification. My attorney has requested a copy of the denial letter and NPV chart as we believe an error was made in the review. As soon as we have a copy of the NPV chart my attorney will appeal the denial. However as of today Wells Fargo Home Mortgage states my home is still set to foreclose on XXXX XXXX, 2015. 

See Attorney 's note:XX/XX/2015 XXXX ( PST ) XXXX XXXX & XXXX XXXX Spoke to XXXX. XXXX said sale date is still set for XXXX/XXXX/15. He transferred me to foreclosure dept. XXXX XXXX she said sale date is still set XXXX/XXXX/15. She asked if we sent in appeal. I told her we have n't received denial letter or NPV so how can we send an appeal. She transfered me back to Loss Mitigation XXXX XXXX said we are under protective status and he agreed that sale date should be pushed out at least until XXXX/XXXX/15. He put me on hold to try to get a hold of the foreclosure dept and we got disconnect. 

Tomorrow will be XXXX business hours before my foreclosure date. Per CFPB Regulation x ( 1024.41 ) I am allowed 30 days from the date of the denial to appeal my review. XXXX XXXX, 2015 falls before my timeline to appeal. Per my attorney Wells Fargo is not supposed to move forward with the foreclosure sale date until # 1 ) I have advised WFHM that I am not going to appeal or # 2 ) I have appealed and my appeal has been denied. 

If you look at the attorney notes ( above ), even Wells Fargo staff itself states by law I have until XXXX/XXXX/2015 to appeal and no foreclosure should be scheduled at this time. 

I am demanding Wells Fargo confirm the sale date has been post phoned. I plan on appealing my denial. This is in violation of Regulation x. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have repeatedly asked for them to only contact my personal number. I just received information that they have now contacted my ex-husband, my parent 's home, my mother 's work, and my mother 's cell phone. I 'm not sure how they have gotten any of these numbers but it has become disruptive to everyone 's life. I have since sent a cease to call letter on XXXX/XXXX/XX/XX/2015. I have had to block their phone numbers so I do not lose my job from the constant calls. " XXXX '' has called me XXXX times in less than XXXX days. 

Company response: Company chooses not to provide a public response
Consumer complaint: The company seems to be resisting closing my credit card. I have a Bank of America World Points Mastercard - I have made XXXX attempts by phone to close this card. The employees at the number on the card ( XXXX ). Each time the employee verifies who I am with various security questions then I am routed " to a supervisor '' which takes me out of the system e.g. to XXXX, to a busy signal, to perpetual hold so that the transaction can not be completed. I want his card closed. 

Company response: Company chooses not to provide a public response