AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I HAVE WRITTEN EACH CREDITOR AND TRIED CALLING WITH NO SUCCESS THEY DO N'T WANT TO HEAR THAT THESE DEBTS ARE NOT.MINE. I GOT HELP FROM THE IRS SO THEY FLAGGED MY SOCIAL SECURITY NUMBER. BECAUSE I 'M THE CLEAR VICTIM OF I 'D THEFT. 
XXXX, XXXX, XXXX XXXX AND XXXX ARE CLEARLY NOT ME, I 'VE BEEN WITH XXXX.FOR XXXX YEARS, NEVER XXXX, AND I DO N'T EVEN KNOW WHT the others ARE. 
EASE HELP ME, I 'M TRYING TO GET MY CREDIT UP TO BUY A HOME. PLEASE HELP ME TO ERASE THESE CREDITORS? THANK YOU XXXX XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Applied online for a balance transfer credit card, XX/XX/XXXX. Was informed that information would be sent, not informed of approval until materials received on or about XX/XX/XXXX Beginning of XX/XX/XXXX realized new account had paid maximum cash loan line to previously identified card. Billed for this on XXXX, statement period closed XX/XX/XXXX. Received bill for cash payment on account and transaction fee while loan terms were for no payments on balance transfers until XX/XX/XXXX, at 0 % interest. Customer service was unresponsive, claiming that various methods of application other than online could have led to different results. Loans approval paperwork and first payment request indicate balance transfer offer on loan transfers XX/XX/XXXX and no payments, no interest until XX/XX/XXXX. I have filed a report to Florida State Attorney General 's office this date. Please advise of further course of action. 

Company response: Company chooses not to provide a public response
Consumer complaint: In a recently closed refinance, the lender ( US Bank ) disbursed roughly 23 % less funds than the final HUD lists in box XXXX ( Total Disbursements to Borrower ). I called US Bank as soon as I saw the shortage of disbursed funds and their explanation was that the it was noticed after the loan closing and signing that the originator obtained an incorrect payoff amount and I should understand that human error happens. The change in structure of the financing took place after all final documents were signed, the changes were not disclosed to me, and I was not given an opportunity to exercise my right to cancel if the changes would have been disclosed to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had made a purchase XX/XX/XXXX from XXXX using my Barclays Credit Card, they offered me a 0.00 % promotion with deferred interest for 18 months. I saw XX/XX/XXXX they had charged me {$610.00} in interest on XX/XX/XXXX, {$30.00} on XX/XX/XXXX & {$29.00} on XX/XX/XXXX. I called Barclays and spoke to their customer service agent, he told me if I pay the outstanding balance he should be able to waive the interest fully and I did ask is it okay if I make the payment on XX/XX/XXXX, and he did say it was fine. So today Being XX/XX/XXXX, I called Barclays to schedule the payment and get my interest waived, they started playing games, told me its too late, and transferred me over to their security department to verify if it was really me because my name is XXXX & its a common name for a guy from XXXX. I even told them if I was someone else I would not be concerned about interest Barclays have charged me, I would not call to make a payment and get it waived. So now I am stuck, I had a balance of about {$900.00}, for which they charged me interest of almost {$700.00}. Please help me get it waived. 

Company response: Company chooses not to provide a public response
Consumer complaint: Kay jeweler has contacted family and called in to my companies call center to get information. They have called me up to XXXX times a day from different phone No. I have asked them to stop contacting me several times and have made small payments on my account but they still harass me. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: WHY MY PAYMENTS FOR XXXX ARE NOT BEING REPORTED CALL XXXX TO MAKE A COMPLIANT AND THEY STILL ARE NOT REPORTING WHEN I PAY 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015 I went through a really bad separation from my partner. I went into Bank of America and had a teller assist in transferring all of my funds out of my joint bank account to a new bank account that was in my name only. Thirty minutes after I left the bank I received an email confirmation that my funds fell below {$25.00} in my old bank account, and I received a confirmation number that the funds transfer was complete. On Saturday XXXX/XXXX/15, the other party walked into Bank of America and withdrew {$600.00} from the account that should 've had a balance of XXXX. When I called customer service they told me that there were funds available in both accounts, which is crazy to me. On Monday XXXX/XXXX/2015, Bank of America did a reversal of the transfer from my new account back to my old account and said that since I transferred the funds on XX/XX/XXXX and set the account to close, that all transfers had been cancelled. They then overdrew my new bank account a lot of money and all of my purchases, including my rent payment that I made on XX/XX/XXXX almost bounced. I filled a claim with Bank of America and their claims department called me and told me that there was nothing they could do for me since the other party was on the bank account. My bank account is still overdrawn {$600.00} dollars since XX/XX/XXXX and they are refusing to take any accountability that they made a mistake when they transferred my funds. If I would 've known that doing the right thing but sitting down and having a teller help me with the funds was going to put my money in jeopardy I would have just pulled all my money out and went to a different banking facility. 

Company response: Company chooses not to provide a public response
Consumer complaint: My account with XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX, ( XXXX ) XXXX is showing a closed and collection status which is not accurate. The account is still open and I have recently made it current and satisfied the in collection status. I have never ceased making monthly payments. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX 2014 I received a quote from an XXXX for some commercial work for XXXX. ( Their business name is " XXXX XXXX '' ) They did not complete any work, but sent me a bill for XXXX. They would never provide any documentation of signed work orders or anything to show they did the work they want money for. ( I had hired another XXXX that gave a better quote ) They sold my " bill '' of {$800.00} to Southwest Recovery Services and I have now received massive amounts of threatening phone calls to XXXX line. I have requested something in writing, they tell me I 'm stupid and do n't need it, I told them not to contact me at that number, they said they do n't have to listen to me and can do what they want, they said they will sue me, and then told my employees on the phone that I 'm a deadbeat that they need to quit because I do n't pay bills and wo n't pay their paychecks and I 'm a wanted criminal for this debt. My employees told her also to stop calling the business line and they hang up on them and call back to try and get someone else to answer. The harassment has been going on for months now and I ca n't take it anymore! Please help!! 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: On XXXX XXXX I received a letter from American Medical Collection Agency ( AMCA ) regarding a debt with XXXX XXXX. We sent them notice disputing the debt, stating " I 'm writing in dispute of this account PIN XXXX, please validate this account and send proof of validation, including proof that your client has billed the proper insurance company that it was provided at the time of service and not an insurance company for which it was not provided information for. " On XXXX XXXX we received a letter stating they had received our notice, and still continued to pursue the debt without ever having verified it. 

They have since sent XXXX letters demanding payment for a debt we do not owe and have refused to verify the debt, because if they did they would see the debt has a {$0.00} balance with the XXXX XXXX. 

On XXXX XXXX, XXXX XXXX representative XXXX XXXX said she had contacted AMCA to inform them that they had failed to properly bill the Insurance Company and that due to a glitch in their systems they had failed to bill and would alert AMCA. 

Their latest letter on XXXX XXXX states that we have neither paid the invoice or disputed the validity of the debt, which we did on XXXX XXXX, 2015 and they acknowledged this in their letter sent XX/XX/XXXX. 

We look forward to you helping us resolve this debt collector continuing to violate the Fair Debt Collection Practices Act. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There are XXXX accounts un the XXXX XXXX. of XXXX that are showing closed/derogatory. These accounts have long since been satisfied. 

Company response: Company chooses not to provide a public response
Consumer complaint: Attempted to search for airline tickets thru XXXX XXXX on XXXX & XXXX. Did not complete transaction as XXXX raised prices significantly while processing. Backed out/cancelled search and XXXX placed XXXX separate " pending '' holds for a total of {$3200.00} ; {$2200.00} on XXXX and the balance on XXXX. Called my bank Suntrust to let them know I DID NOT purchase tickets. Called XXXX and basically got nowhere and was told XXXX business days was typical for them to hold monies from my account. On XXXX Suntrust did a Credit Memo for {$2200.00} and indicated that " once XXXX released the hold, the credit memo would be " paid back '', basically balance back to what it should be ''. The customer service rep never indicated that there was a specific time hold, i.e. XXXX hours and that the Credit Memo would only be for that specific time period. Today I see the Credit Memo dropped off and my account is in the negative as well as my savings account because I have overdraft protection. I called Suntrust, again, and was told that the Credit Memo was time specific and as of today, XXXX there appears to be a XXXX hour hold from XXXX XXXX. I stated that today would be day XXXX and yet there is another XXXX hour hold? That leads me to believe that XXXX will not release the hold until Monday XXXX at the earliest ... How is it that Financial Institutions can manipulate funds in this manner? If I indicate that NO PURCHASE was made and a XXXX party vendor is simply tying up my funds XXXX business days for their use, that my banking institution does not have the authority to release or drop a hold. How is this any different than a fraudulent transaction? Again, I DID NOT purchase tickets ; merely searching. 
As a side note, on Tuesday the XXXX my First call was to XXXX XXXX who said I needed to call XXXX and then my bank. I then called XXXX and was told to call XXXX XXXX. Neither had any confirmation information indicating to me that there definitely was no pending transaction. I did call Suntrust and on a Conference call with XXXX was told that a Fax would be sent ASAP from XXXX with all pertinent information that Sunturst needed to release the monies ; that Fax never was sent. I called XXXX, again, got a Supervisor who pretty much told me, " Oh Well, XXXX business days ''. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a victim of identity theft. I had filed a previous complaint against the original creditor on XX/XX/XXXX with the CFPB. CFPB Case number : XXXX was the complaint against XXXX for an XXXX XXXX credit card, account ending in XXXX, that was charged after I had lost my wallet. 

On XX/XX/XXXX, I received a letter from XXXX stating:1. That this debt was discharged by XXXX. 
2. All Charges were removed. 
3. All credit reporting agencies will be notified to remove the account from my credit report. 

I have since been receiving collection letters from a Nationwide Credit , Inc. on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX attempting to collect on this debt. I assumed the first XXXX letters, even though they were one day apart in their creation, were so close to the date of the discharge that Nationwide Credit , Inc. had not been notified of the decision by XXXX. When I received the letter dated XX/XX/XXXX, I can only assume that Nationwide Credit is illegally collecting on this debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: Lease was broken due to loss of employment and XXXX. There were 3 months left on the signed lease. The apartment was re-rented a month later. They kept the security deposit of {$1400.00} and trying to charge me and additional XXXX although there was no loss of rent. Apartment was cleaned and were no damages, IQ Data is harassing me on a daily basis. Under the Washington Law Tenants ACT, they are breaking the rules. Landlords must mitigate there damages. I have written to these individuals and they have placed this on my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We advised the credit bureaus that XXXX, XXXX XXXX and XXXX furnished them with incomplete and inaccurate information. Review the attached documentation which was sent to each of the aforementioned banks. They detail inaccurate information we were given at he time of hurricane XXXX. The incorrect information was relied upon to make financial decisions we would not have otherwise made. We wrote to each individual bank and have escalated it to the highest level and have filed complaints with the Consumer Protection Agency. We have also filed complaints on-line and made telephone calls directly to each of the credit bureaus. We stated that the information reported by the banks was inaccurate inasmuch as it does not reflect the entire circumstances of events fairly. IT DOES N'T TELL THE WHOLE STORY. This is a violation of our rights under the, " fair credit reporting act. '' During hurricane XXXX both XXXX and XXXX XXXX verbally authorized via the customer service department a Disaster Relief program and/or moratorium of mortgage payments. At that time, neither bank fully disclosed how the waived payments would be repaid. We were told by both institutions that the missed payments would be added to the end of the loan. Both institutions told us after we had already taken part in the moratorium of mortgage payments that they must be paid in full at he end of the waived period. XXXX involvement is limited to having bought the loan from XXXX and has continued to report us late to the credit bureaus. However, since XXXX took over our loan in XXXX 2014 we have not missed or been late with a mortgage payment. Furthermore, if you research the history of loans with XXXX and XXXX XXXX, you will find that we have never been late or missed a payment and we are not in any foreclosure proceedings. However, the past reporting which still remains on our credit report has caused irreparable damage to our credit scores, my employment and our quality of life in general. 

Company response: Company chooses not to provide a public response
Consumer complaint: On or about XXXX XXXX, 2015. Ally Finance repossessed my truck at XXXX days late payment and charged me XXXX payments and tow fees prior to my loan being XXXX days late. They refused to give me any paper work pertaining to the repossession or explain their policy. The contract is not clear as to a time limit for bring late on payments that will push you in to default status. Ally then failed to see my property was returned to me once I payed the money owed and fees. The company they sent to recover the truck was overly aggressive and scared my family as my family felt they were more the victims of a home invasion. The recovery company pulled excessively hard on my front screen door and brutally beat on it. Then proceeded to yell at me in an obvious attempt to incite a negative response and incite may-ham. I had to tell XXXX the owner of the recovery company XXXX '' I can hear you stop yelling all over the neighborhood ''. 

After paying the requested amount of money to Ally. I was not able to recover my truck and was made to wait while the recovery company owner repeatedly lied about getting the release letter for my property. I was unable to recover my property from them until or about XXXX XXXX, 2015 

Company response: Company chooses not to provide a public response
Consumer complaint: I have already filed XXXX complaint case # XXXX. I have received a satisfaction of judgement since the account has been paid off since XXXX, but the problem is they ( Wells Fargo ) have never reported it as a judgement, they have reported it as a collection account all along. I tried putting a dispute through the XXXX credit bureaus but they denied all XXXX in beginning of XXXX for an account paid in XXXX. I need a letter from Wells stating that the collection has been paid so I can get it fixed on credit, the satisfaction of judgement references no account number and does not show on credit report as such. I have called SEVERAL times once again and they keep giving me the run around. I need a letter that matches what they reported on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: VALENTINE & KEBARTAScalling fromXXXX XXXX XXXX called me almost XXXX timeswithin the past few monthsDo not have debt owed to " VALENTINE & KEBARTAS " They have been told to stop harassing me with these constant never ending phone calls. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: My licence and bank card were swollen. I notified my bank. The XXXX charge is not from me. I have never used that company. This is listed on all XXXX credit reports. 
Also all XXXX have listed XXXX hospital bills from XXXX XXXX hospital, that XXXX, was paid through a settlement and XXXX, is in direct violation of HIPPA privacy act. These need to be removed immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: The loan was for XXXX and they took out XXXX per month for almost XXXX years and whe I called to get payoff they said I owed more than loan amount 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We sent Experian a letter we will attach to this complaint politely asking them to look at several accounts they are reporting we question. They sent back a letter to us both saying our letter was " suspicious '' and they " determined it was not sent by us ''. 
This is an insult to our intelligence. We included copies of our drivers licenses, social security cards, and a bill copy showing our residence. 
Who else would want to fix mistakes on our credit reports but us?? We have written them before, and they know this, and they have written back. Are they now above the law and can make up an absurd excuse not to help people? This is the most absurd thing I have seen. Its absurd enough we keep writing clearly telling them things are wrong and they do nothing, but this is just beyond absurd. 
We demand they respond immediately and hope the CFPB sanctions and fines them for this treatment of consumes at their mercy! 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a car loan with Wells Fargo dealership services. They incorrectly though my insurance was terminated. I had just change companies, I sent them the information on the new company, however they by mistake as they have informed me put insurance on my car. Because I make double payments each month it was n't until I ask for a payoff that I notice this was happening. I got in touch with Well Fargo insurance company and was able to clear this up by last Friday XX/XX/XXXX. They said I should have a corrected by off in XXXX days. when I checked back Monday & XX/XX/XXXX, they said it would be XXXX business days. Now on XX/XX/XXXX they are not sure when it they will be able to give me a correct payoff statement. They employees have been very rude and have not given any explanation why the delay. If I do n't get it today, I will lose the incentive on the new car I am buying. 
this will cost me XXXX of dollar. When a bank makes a mistake they should not treat the customer like they are doing you a favor to correct it and should be limited in time to make these corrections 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015 I noticed an unauthorized inquiry on my credit file. When I noticed the inquiry on my credit file I notified Pressler & Pressler of this discrepancy. They ignored my request. It has been over XXXX days and they still refuse to remove this inquiry from my credit file. I have no open accounts with Pressler & Pressler. My attorney will be reporting Pressler & Pressler to NJ Attorney General XXXX XXXX if they do not remove this inquiry immediately. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX Account by CCSThis is wife 's debt that I have been handlingCCS agreed to remove a collection account from the credit bureaus if I paid in full. 
I paid in full and it is being reported as a paid collection as of XXXX/XXXX/15 which is not what was agreed to. 

I was called by XXXX XXXX from CCS at XXXX XXXX/XXXX/15. 
He instructed me to call the XXXX Law firm as they had the file and to make payment arrangements with them and then CCS would delete. 

I called XXXX XXXX at XXXX XXXX XXXX/XXXX/15 to discuss payment and was told that they would notify CCS of the payment but did not control what was reported to credit bureaus. 

I called CCS back at XXXX at XXXX XXXX/XXXX/15 ( 11 minute call XXXX to make sure that the agreement was to delete the trade line at the 3 credit bureaus, not just report them as a paid collection. I spoke to the first gentleman who answered the phone ( I do not have his name ) and he finally transferred me to XXXX who assured me that this would be deleted. 

I called the original creditor XXXX at XXXX XXXX at XXXX XXXX/XXXX/15 to verify it was OK to pay law firm. She confirmed and also stated that she would send a letter to CCS requesting deletion from credit bureau also if they wanted it. 

I called XXXX XXXX at XXXX XXXX/XXXX/15 and made payment. 

I received a phone call form XXXX XXXX at XXXX on XXXX/XXXX/15 in regards to an email explaining the incorrect reporting. He told me that after his supervisor listened to the recording on XXXX/XXXX/15 at XXXX that no mention of deleting the trade line after payment in full was discussed. 

I told him to listen to the 2nd call that we had that day at XXXX that I made before paying to make sure of the tradeline deletion. He had his supervisor listen and came back on the line and said it would be deleted and that there was some mistake. 

Filed BBB complaint XXXX. They responded XXXX that they submitted for deletion on XXXX but we have no control over CRA timetable for updating. 

I rejected their response and requested confirmation numbers for the deletion request.. 

They responded XXXX saying they will resubmit but we have no control over CRA timetable. No confirmation numbers given like I asked. 

As of XXXX it has not been deleted as agreed. 

Company response: Company chooses not to provide a public response