AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I sent disputes already but no contact or changes have been made. 
You are recording a collection account that was originally a medical bill paid by aNo-fault insurance company. This was paid and should never have been a reportable accountThe creditor advised me that they changed the account as true to false in 2014 and made several requests to have the file deleted from my report. 
Please see the attachment supporting my statement 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian has listed Telephone Numbers listed on my credit report that I have no knowledge of in my past, I demand that XXXX, XXXX, XXXX be immediately removed from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: ARS ( Account Resolution Service ) continues to have listed and will not remove from the credit bureaus XXXX debts that I do not believe are mine. I have sent them multiple request to verify these debts and all they are sending me are their " form '' letters that say I owe a debt. I have repeatedly ask for a " signed document '' and they have not/will not provide any such documentation. If I had any such paperwork, it would help prove the validity of the charge. I do not believe it is mine and I also suspect that it may have been filed incorrectly under medicare/medicaid for another hospital related incident. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Sun Trust closed my business account ( XXXX XXXX XXXX XXXX XXXX ) due to fraud. Never told me what the fraud was. There was no fraud and they have not given me my money back. I am a small business and am having a hard time staying in business. They owe me approx {$4700.00} and its been over a month. I want my money & Compensation for my loss of Income. A/c # XXXX. 
XXXX XXXX, XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2008 

Company response: Company chooses not to provide a public response
Consumer complaint: I am requesting that Experian remove the address listed on the Experian Credit File, history : XXXX XXXX XXXX XXXX, XXXX, WA XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: While checking my credit report, I noticed TransUnion has telephone numbers listed that I demand be removed from my credit file. ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX, XXXX, WA XXXX DATE REPORTED : XXXX/XXXX/2007 

Company response: Company chooses not to provide a public response
Consumer complaint: I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2015 

Company response: Company chooses not to provide a public response
Consumer complaint: I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2009 

Company response: Company chooses not to provide a public response
Consumer complaint: I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2010 

Company response: Company chooses not to provide a public response
Consumer complaint: I recieved constant calls from SW Credit Systems L.P. # XXXX about a XXXX XXXX for {$380.00} that was not mine. I call several times informing them it wasnt and I never lived in the XXXX area. They said someone must have gotten my Soc Sec number and they wanted me to pay it anyway. I refused and now I see they have placed my credit in collection and My score has dropped from XXXX to XXXX. I am sure this is an unreputable company after the many phone calls I made to them. Please let me know how to proceed in getting them to remove this black mark and completing this complaint. Thanks XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File as : XXXX XXXX XXXX XXXX XXXX WA XXXX. Address indentification number : XXXX, Geographical code : XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2015 

Company response: Company chooses not to provide a public response
Consumer complaint: I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File as : XXXX XXXX XXXX XXXX, XXXX, WA XXXX. Address indentification number : XXXX, Single family XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2015 

Company response: Company chooses not to provide a public response
Consumer complaint: I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, WA XXXX. Address indentification number : XXXX, Single family XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for an equity credit line only to be declined because unbeknowns to me the mortgage company had placed a lien equal to 150 % of the loan on the property. I 've contacted the company, CMC Funding ( they use XXXX to service their loans ) regarding releasing the additional 50 %. After several emails and XXXX phone calls assuring me that they would be quickly getting back with me I have heard nothing from them. My request was pretty simple but they seem content ignoring me. If by chance I did sign something in the closing documents that allowed then to increase the lien on the proerty to 150 % of the loan value it was done in a very deceptive manner. None of the previous loans that I have had ever had anything like this and if something this restrictive was added to the loan documents it at a minimum should have to be made crystal clear to the applicant as part of the truth in lending. It appears to me that if I took action using the Kentucky Revised Status that they could consider me in default of the loan, which seems absurd but even my personal bank did n't understand the process and that is why I 've tried to deal with CMC/XXXX regarding this issue in a civil manner but apparently they do n't operate under the concept of real customer care. If I had known I would have either negociated it out of the terms of the loan or found a different mortgage company. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File as : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX. Address indentification number : XXXX, Geographical code : XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Please be advised I do not authorized the withdrawal of {$100.00} from my account additionally according to Virginia state law ACH withdrawals for payday loans is not permitted any attempt to withdraw funds from my bank account a CFPB complaint will be filed. I also need to work out some sort of payment arrangement which is more affordable. I have been a loyal customer now for many years however I have gotten to the point where I am borrowing money each month in order to pay my other bills due to having to pay on the payday loan. if you look at the amount I paid in fees and costs since 2011 I have paid enough to have paid my loan off many many times. I would like my account closed and a reduction in the amount owed and be permitted to pay one monthly payment until it is completely paid off. I 've chosen to try to work with you instead of going through a debt consolidation program. I understand that if I do not make a payment it will go into collections and I 'm trying to avoid that however if it does go into collections I would then be able to pay the monthly payment. I believe it would be advantageous for both of us if we were to come to an agreement now to avoid collection activities or additional fees and costs on either part. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I asked Experian for validation of XXXX items on XXXX/XXXX/2015 : XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXThey could not provide verification of the validity of these debts. XXXX XXXX XXXX was equally unable to provide proof of my owning this debt. I followed up with Experian asking for removal of the incorrect tradelines. I provided copies of all correspondence and proof of receipts. Other credit reporting agencies have removed the offending items and I would like Experian to follow suite . 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested a credit report do to identity theft and they said they could not prove my identity from the address iam currently I moved in XX/XX/XXXX to XXXX XXXX XXXX XXXX va XXXX I used to live at XXXX XXXX XXXX XXXX va XXXX for about a 1y1/2 year in XX/XX/XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a medical collection posted on my credit report from Commonwealth Financial Systems ( CFS ). The debt is not mine. I have contacted CFS to verify the debt. I requested to be provided with a proof that this debt belongs to me, as any accounts I might have had are obsolete. They did not provide me with any document or evidence that this debt is mine. Under HIPAA privacy laws CFS should not have any of my personal medical information, unless they have a " written '' agreement with the original creditor to collect debt on their behalf. 
I have called CFS several times and I have send certified letter requesting to cease and deceit from reporting incorrect and false information to the credit report agency. 
CFS have not responded to any letters I have send to them. Commonwealth Financial Systems continues to report false information on my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My mortgage lender did n't include any PMI on any of my good faith estimates or HUD documents until he showed up at closing. We had just sold our house that morning and wired the money to buy our new place. When I was handed the contract while we sat across the table from the seller was the first moment I noticed the payments were so much higher. I asked about why it was higher and was told that the payments went up because the home insurance and taxes had been underestimated. I still did n't see it adding up but felt forced to sign because at that point, we had no where to move back to, our old home had sold already. It was n't until I had time to compare all our old estimates did I see that PMI was never included in the good faith, HUD, or even final documents emailed the day of signing. The first time the PMI was added was at closing. I did not know it would be required to get the loan and was relying on the lender to disclose everything to me so I would know what I was getting into. Now my payments are almost % XXXX higher than any of my quotes. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been banking for several years at California Bank and Trust, which originally was XXXX XXXX. My husband was added to my account in 2001. My husband was diagnosed with XXXX-which is an XXXX protected XXXX in 2007. This XXXX affects a person 's judgement and causes XXXX. I informed my contact at the bank, XXXX XXXX, and he informed the branch in XXXX where we usually do business and they were helpful. My husband does n't do much banking, does n't write checks, he mainly went there to have coffee and chat. 
Unfortunately, XXXX XXXX was forced out of his position in XX/XX/XXXX and that 's when my problems with CBT began. My husband believed I had forged his State Franchise Tax board refund from 3 years ago and wanted to get his money back. The money was debited from our account. I got a call from XXXX, the operations manager and explained the situation and thought that was the end of it. 
I had XXXX the following week and when I got home there was a letter stating that the bank was closing our account because they " no longer felt comfortable '' with us as clients. 
I feel that this is a violation of my husband 's protection as a XXXX XXXX. 
Since I was in no postion to go out shopping for a new bank, I offered to close our joint account and get one solely in my name at the XXXX branch and that was refused. 
On 10 different occasions, I attempted to contact administrators of CBT or their parent bank, Zion bank and never received a call back to me. 
The best I could get was they would keep my account open until XXXX XXXX and they did n't even abide by that-I got a returned check charge from the Gas Company because CBT woul n't clear a check on XX/XX/XXXX which was a clear violation of their agreed policyI feel that they both discriminated against us and violated fair banking practices 

Company response: Company chooses not to provide a public response
Consumer complaint: Per Barclay Arrival + XXXX account # XXXXThe account was suddenly and unexpectedly closed with creditor Barclay along with my earning of points reward, a letter was received few weeks after, with a closure reason due to history of account usage, and never more of it. Now the account has been in a good stand for a whole year since 2014, never late, never cycle the credit limit, the purchases is always under XXXX for monthly spend, I have earned their points award system on a legit base from daily spend, and the membership fee has been paid. There is no reason that they cancel and confiscate all my points reward. 

It is safe to say that Barclay is without a legit ground to close my account due to my positive balance of points remaining on the account, which I have been accruing without any recent redemption. This is regrettably a shady business to say that Barclay close mine account due to the payout I 've legibly earned in saving their cost from paying out the reward. I would like my case to compensate me back all my reward points as into travel credit in form of check, along the credit of my recent membership fee that I 've just paid. 

Company response: Company chooses not to provide a public response
Consumer complaint: Calling repeatedly during the day. Advised i was working and unable to talk, they repeatedly called back. Upon attempting to return the phone call they immediately hung up on me and then started calling me again. Rep was XXXX @ Elite Financial. Today alone i have calls @ XXXX ; XXXX ( told unable to talk and hung up ) ; XXXX called back and immediately hung up on me ; XXXX attempted to call back to advise a better time to call, was hung up on again. XXXX was hung up on ; XXXX ignored call 

Company response: Company chooses not to provide a public response
Consumer complaint: had an account with US Bank, used it quiet a bit for reservations, XXXX XXXX had my card on file, in XXXX their was a bill for XXXX charging me for a stay that I did not do at a campground, I contacted my credit card company and told them this was a mistake, they investigated and gave me a refund credit of XXXX, I then in XXXX closed out said account because I felt now that my card was hacked by this company, received XXXX bill with a closed account and everything XXXX out, and they even sent me a check refund for overpayment, thought this was over, now I have recived a bill from US bank stating I owe them XXXX, contacted them and they said I had to pay it, I donot owe them XXXX when I had a zero balance and closed account, please help 

Company response: Company chooses not to provide a public response
Consumer complaint: Good afternoon. In XXXX 2015 I requested a skip payment on my auto loan from my lender. They obliged and told me to continue making payments the following month. The stop payment did not go into effect, subsequently causing my lender to publish a 30 day delinquency on my credit report. Since then I have requested my credit report be updated with no success for over 6 months. I have been reassured my issue was valid and they are sorry for my inconvenience and that it is being taken care of numerous times, as well as been told I would receive a call back and other general lip service to get me off the phone with no result. My credit report has since been updated by the bureaus themselves show that my account status is " pays as agreed '' but has not removed the erroneous 30 day delinquency in question. Further attempts with Pentagon Federal Credit Union have been fruitless, most recently starting the dispute process all over again with no guarantees or communication with anyone in the back office responsible for the previous disputes - I 'm only able to speak with front line representatives who place me on long holds while communicating information back and forth to the appropriate department. I 've had to pay out of pocket to obtain an updated credit report to fax over in order to begin the dispute process - otherwise face a hard pull inquiry on my report by Pentagon Federal Credit Union. 

Company response: Company chooses not to provide a public response
Consumer complaint: I asked TransUnion for validation of XXXX items on XXXX/XXXX/2015 : XXXX XXXX XXXX account # XXXX & XXXX account # XXXXThey could not provide verification of the validity of these debts. XXXX XXXX XXXX was equally unable to provide proof of my owning this debt. I followed up with XXXX asking for removal of the incorrect tradelines. I provided copies of all correspondence and proof of receipts. Other credit reporting agencies have removed the offending items and I would like XXXX to follow suite . 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied and was awarded a Sears Citi Credit card in XXXX 2013. They approved and awarded me a credit limit of {$6000.00}. I have paid consistently without incident. Now they have dropped my limit to {$4800.00} which has impacted my credit score because I owe {$3800.00}. So instead of being {$820.00} away from be 50 % below the limit the credit limit keeps getting reduced as I pay the credit card down. So my credit score is lower then what it should be due to no fault of my own. Please request that Sears increase the limit back to {$6000.00} as originally agreed. They do not have to permit or allow any future charges, but I want my credit score to increase by having them maintain our original agreement. Thank you for your assistance with this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made a payment on my checking account for my credit card. My deposit did not credit until the next day. This caused my bank account to overdraft XXXX The next day I credited the account but still have an overdraft fee. I ca n't afford to pay this. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was charged {$35.00} for XXXX overdraft fee 's for charges less {$10.00}. I am going though financial medical hardship. 

Company response: Company chooses not to provide a public response
Consumer complaint: To Macy 's : I called the XXXX # and was told by a machine to call back tomorrow. I went ontoThe website and it crashed and posted a message to call the administrator. Frustrated! I have paid the same {$50.00} payment for a year fromXXXX bill pay. This month for purposes I can only assume is based on wanted to collect fees - my payment was applied to the XXXX Macy 's Amex account that has not had a balance in months. And I 'm charged a {$29.00} late fee! My payment due was {$29.00} - I paid {$50.00}. My due date was XXXX it was created on XXXX. I knew this was going to happen with all of the changes that Macy 's made. See my email in XX/XX/XXXX - I was watching my account closely so I did n't get hit with a late fee. I never guessed the payment would be applied to the other account. I want this corrected - my payments are never overdue and I do not want my credit harmed!! XXXX XXXX XXXX XXXX XXXX , XXXX oh XXXX. I am going to see by searching online how many others are living this nightmare! 

Company response: Company chooses not to provide a public response
Consumer complaint: As per attached Registered letter to Experian, I have, since XXXX 2015, complained that several entries are not mine, and requested an investigation. Experian has failed to execute an investigation. CFPB should compel this renegade credit reporting agency, or I will do it via a Court here in California. 

Company response: Company chooses not to provide a public response
Consumer complaint: This account is not owned by me ; I have never had any services from this care provider and therefore owe no balance as stated in my credit files. Please provide me with relevant information that you are using to validate this account such as ID used to open this account ; when and where this account was opened ; signatures etc., 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I attempted to shop for a good rate for a car in XXXX of 2014. I went to XXXX XXXX dealership and I received XXXX hard inquiries on my credit report and my score dropped between XXXX points!. I applied for rental housing and was denied based on my credit. How can I get these inquiries immediately removed from my credit report? 

Company response: Company chooses not to provide a public response