AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: The bank sent me XXXX letters and XXXX emails stating that i should submitt my country of citizenship and that its required by law for the card they gave me XX/XX/XXXX .when i called to give to them i was told i called the wrong department .they gave me a different number to call and i called the representative that handled that case started asking me questions and i stoped answering them and asked her if i was reaplying for this account And she told me no .she assured me it was not reaplying its a requirement to keep update what they dont have. She promissed its not reapplying for that account .i went ahead and answered the questions she was asking and when i was done she told me its updated but not open so i keep on paying the amount they send on the mail i said ok and the call ended .but that evening i received an email stating that i got a hard inqiry in my credit account from XXXX XXXX XXXX .i called the bank and complained they told me their is nothing they can do and i requested a supervisor .they gave me a supervisor whom i told what happend and he told me that inqury was legitimate .i explained that i called the bank to give my country of citizenship i wasnt applying because i have been having the card since XX/XX/XXXX .he told me at that point thats final .i told him to listen to the conversation that we had with the representative he said he will listen at it and update me .after fiur days he called and told me he had me ask if that was applying another account but still he told me its legitimate .i have attached the card from XXXX XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I PREVIOUSLY FILED A COMPLAINT AND THE COMPANY NEVER RESPONDED! This agency continues to report debts that I do not owe. I have disputed these erroneous accounts and requested them to send me some validation. They continue to report these derogatory accounts, but have yet to send me original documents as proof. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: After a plethora, and nearly years of arguing with Transunion, they finally accepted my multiple police reports, FBI complaints, Texas AG complaints, and FTC ID Theft document and blocked all the fraud accounts. I checked my monthly report only to find one of the most nefarious of all FRAUDULENT ACCOUNTS BEING REPORTED, XXXX XXXX WITH A BALANCE OF XXXX According to the credit reports I have saved over the years of this nightmare with Trans Union this account was blocked 9 months ago. I never received any word that it was reinserted, at this juncture its illegal for them to have done so without informing me but more egregious is the fact the account is BONA FIDE FRAUD. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I made a payment of {$200.00} on XX/XX/XXXX dated for XX/XX/XXXX to cover my minimum due on my pay day. I then made another payment, after confirming my bonus was received on XX/XX/XXXX, on XX/XX/XXXX which was posted to my account on XX/XX/XXXX. The company charged me {$15.00} in interest charges because the full balance did not post before XXXX. I have called twice, the second time asking to speak with a supervisor. They stated that I made the second onlione payment on XX/XX/XXXX, but my notes say I made it on XX/XX/XXXX. The company refuses to remove the interest only charges and this is ridiculous. The website does not have the date/time the transaction was done online, you just get an email later about the transaction date. The {$200.00} payment email was received on XX/XX/XXXX XXXX and the {$590.00} payment email was received on XX/XX/XXXX at XXXX. I know this is NOT when I made the payments online as I was SLEEPING at those times. All I am asking is for Wells Fargo to remove the {$15.00} in interest only fees on my account and they claim they ca n't because the payment posted on XX/XX/XXXX. Seriously?????? I know that is a line on XXXX! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am buying a house and the mortgage company reported that they were only able to see XXXX ( XXXX ) score. That score is by XXXX. I tried to purchase a XXXX bureau credit score by XXXX but instead they send me a copy of my credit report which I already have from the mortgage company. XXXX has a policy that if you purchase a one time copy of your scores or report it is non-refundable [ Buyer Beware ] .Their XXXX bureau score report is XXXX Neither XXXX nor Transunion scores are available. I would be able to get a better rate if those other scores were available. We tried XXXX ( twice ) and called XXXX/XXXX/16 and the same problem. I have tried twice and gave up. When I try to go online and purchase those scores, they are always unavailable and they refund me my $ XXXX!! 
The agent at Transunion said he can see my score. But when I tried Transunion.com, they want me to purchase a 7 day Trial credit monitoring subscription and then {$19.00} thereafter before I can get my score. I refused because I only want a copy of my score which the agent says cost {$9.00}. THERE IS NO EASILY VISIBLE LINK ON TRANSUNION.COM to purchase such a score for such a price. To date I am still unable to get my scores 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Ally Financial blocked me from viewing past payments history online, to see if there 's any missed payments on the account.According to the [ EUTA ]. 
Electronic and Record Act I should be able to access and retrieve records / data online if I did business electronically with Ally via. eBill, email or any other type electronic transactions. Ally Financial used my personal authenticity [ username and password ]. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I 'm a victim of identity theft someone took my information and opened up lots of accounts in my name right now I have XXXX accounts in collection that does not belong to me XXXX and XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 netspend closed my account I called that day asking what was going on and all they told me is that they closed it due to a deposit. I explained to them that I had received that check as payment and did n't know that the check was a forged check. Well on XXXX XXXX XXXX was deposited in to my account I called them back up and asked for my money I was told that they will be mailing me out a refund check with my money and that it would take 20 business days. I called a week later to make sure my check was mailed out I was told it was sent out on XXXX, 2015 while on the phone I asked to make sure my address was right cause I had moved and changed it. Well while they was repeating my address they said my zip code wrong I told them that is not what I had gave them and I was told that it would be fixed and another check would be sent out and this XXXX will come in 10 business days. I call a week later again to check I was told something completely different saying that the check was sent out on XXXX XXXX and I had to wait 20 business days. Nothing about the previous call about the zip code being wrong and nothing about another check being mailed out. I called back on XXXX XXXX and was told that I will get my refund check on XXXX XXXX I asked how is that possible if that is thanks giving then they changed it to the XXXX of XXXX I asked o talk to a supervisor and she told me that it would be their on the XXXX and gave me some number telling me this is how I would be able to track my check. The number I was giving was not any number usps used and I was upset again for giving me another lie. I called back on XXXX XXXX and told them.I still have not recived my money and was told that they sent out another check and that I would Ger it in 3 to five days. I called again on the XXXX and was told another story about how my account was just called as of XXXX XXXX and that a check was never mailed out till the XXXX cause I didnr turn in the paper work thatbwas requested since I requested to close the account. I told her that was a lie and that I never asked to close my account and that my account was closed on XXXX XXXX I was told the was not true and that it was closed XXXX XXXX and that was when the refund check was issued. Today is XXXX XXXX and I still have not received my money and I 'm about to be evicted and lose my car and no food to feed my XXXX kids. I really need my money and I 'm tired of getting the running around with them with my money. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX is still showing the last payment made wrong. The last payment was made on XXXX XXXX but they are reporting that the last payment was made on XXXX XXXX. I have already contacted XXXX XXXX XXXX and Transunion but nothing has changed. I had a XXXX in XXXX and was XXXX and lost my job. There is no way that I was able to pay the mortgage during the time I was admitted in the hospital. I asked XXXX XXXX XXXX to send me any kind of proof like a cancelled check showing that a payment was made in XXXX XXXX but no one has answered my request. I think someone else sent in a payment and possibly my account was applied this payment by mistake. 

Company response: Company chooses not to provide a public response
Consumer complaint: Contacted me on XX/XX/XXXX and I told them I will contact the Dr office and pay them directly. XXXX told me that even if I paid the Dr she was still going to file the {$30.00} bill on my credit. I told her at that time not to call me that if her office needed to contact me they can so that by mail going foward. She then told me she had another bill from a service XX/XX/XXXX. I told her she ca n't wait 5 years to contact me about a bill, that she had 3 years to make that bill known. XXXX said no she can wait 7 years. She then hung up on me. I then contacted both offices and the XX/XX/XXXX office said they should n't have waited 5 years and she did n't have the records of my bill anymore, but she will call me back. I never ears back from her. The XXXX office I left the office manager a message explaining how the company they contracted to represent them was operating and I want to pay the {$30.00} to her office. I 'm waiting on a call back. Since I made it clear to Merchants to contact me by mail, I had 2 hang up calls when I try to answer on XX/XX/XXXX and then I had a call today from XXXX XXXX XX/XX/XXXX I told him that I have notice for his company to only contact me by mail he lead into telling to just pay the bill in a rude way as if talking down to a child. I told him I 'll take care of it with he XXXX XXXX and he kept talking down to me. I cut him off and told him to contact me by mail not by phone anymore. He of course wanted to carry on a verbal battle. I was also recorded without my permission. XXXX made the comment that she can play back our conversation. I told her that I did n't give her permission to record nor did she ask for my permission or let it be known she was recording. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I need to know about this charge for {$300.00} on my credit report and need to remove it. This is effecting my security clearance with XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The credit line on my Wells Fargo visa was lowered from XXXX to XXXX because my credit bureau report in XXXX 2016, showed unusually high balances. However, all of these balances have been paid off in full or were due to fraudulent activity on my credit cards. My credit bureau report as of now shows ZERO balance due on ALL my credit cards ; my credit shows PERFECT now as it should. It is not right that Wells Fargo should penalize me by lowering my credit line due to unauthorized fraudulent activity out of my control that showed temporarily on my credit bureau reports. There are fraud alerts on all XXXX of my credit bureaus now to prevent this from happening again. My credit bureaus shows perfect again with XXXX balance due on all my credit cards. I request that in fairness Wells Fargo reinstate my proper credit line of at least {$10000.00}. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: There is a pending judgement from XXXX XXXX. This is incorrect. There is no pending judgement. This account is showing under my bankruptcy with XXXX XXXX, not pending. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I applied for a car loan, there is now a judgement that is all of a sudden appearing on my credit report which does not belong to me the judgement was on my dad 's report clearly I was too young to have a judgement back in 2011. My dad and I have the same first and last name but not middle. I am not clear as to who would be able to place that judgement on my credit report after it 's already been placed under my dads 's name back in 2011. If so I would like to know if I can file a lawsuit for emotional distress to the person that is responsible for this. 

Company response: Company chooses not to provide a public response
Consumer complaint: During this period I was hospitalized for XXXX surgery, immediately following the XXXX I was transferred to XXXX for XXXX XXXX and remained hospitalized for 5 days. I have XXXX XXXX XXXX XXXX insurance and had met my full individual deductible at which point XXXX covered 100 % of the remaining medical expenses. I have disputed this with XXXX and the collection agency " HAUGE ASSOCIATES INC '' The Hague Group XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX and they refuse to remove this from my XXXX credit report. I do not owe this debt and feel as though I 'm being extorted to pay before they remove move it. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Told me in order for legal action to be seized, I would have to pay a lump sum of {$720.00} or XXXX monthly payments of {$370.00}. I only had until XXXX/XXXX/16 to make either payment arrangements. Which was 7 days from the date I was contacted. Advised that my wages would be garnished and/or my taxes would be taken once they 're filed if I had n't made arrangements by then. 

Company response: Company chooses not to provide a public response
Consumer complaint: I keep receiving calls from AR Resources about a Medical debt and shows in my credit for {$340.00}. I 'm not aware of this debt and need more information 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I had a credit card for Sam 's Club issued by Synchrony Bank which I closed in XXXX of 2016. I had earned a cash reward of about {$170.00} which they are refusing to give it to give it to me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was in the midst of a divorce and living with a gentleman in Oregon around XXXX. When I left, in XXXX, there was a debt to the XXXX where we lived, but the man with whom I had been living had made arrangements with the XXXX XXXX to remove my name from the account as well as pay the outstanding balance. The balance was much lower than Professional Credit Services ( PCS ) are claiming and was paid in full. 

I was still going by my married name at the time, and it changed only after the divorce finalized just before I moved away from OR. The name on the notice from PCS was my old married name XXXX sort of, they did n't get the entire name completely correct ), not the legal name I have currently. 

That was in XXXX. The first notice I received from PCS was towards the end of XXXX which would put the the debt at over 6 years, which is past the statute of limitations in Oregon. I have written them, and told them that I no longer owe a debt to the XXXX XXXX and that it is past the statute of limitations. I gave them minimal information, and told them to no longer contact me or I would report them. 

I received a second noticed from them in the mail on XXXX XXXX, XXXX 'offering help to pay my debt '. There is even less information in this notice than in the previous notice ( other than various account numbers XXXX. They do not seem to accept personal checks, only credit cards XXXX which I find suspicious ), and they did not heed my request to do further research into the debt they were trying to collect to find that it had been paid off. 

I received the first notice a month XXXX after I was remarried. I find it rather interesting that they suddenly found me after 6 years only after I had married and registered my name in various places by changing drivers licenses over, etc. 

I have lived in XXXX other states since OR, and am finally settled in a third with my husband. It is here they seemed to have found me. 

My complaint is that they are trying to collect on a debt that does n't exist and they are doing it 7 years later. Even if the debt still existed, they would be past the statute of limitations and, unless I am mistaken, this is illegal. 

I am keeping the promise I made to them when I first replied to their notice by reporting them in hopes that they will STOP trying to collect from me and others that do NOT OWE MONEY. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX reported incorrect payment history on my account. XXXX 2013 payment was not 30 days late. need payment history verified. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am in receipt of my XXXX credit report number : XXXX, dated XX/XX/XXXX, and I noticed Macy 's, ( XXXX XXXX XXXX, XXXX, OH, XXXX, ( XXXX ) XXXX ) placed an unspecified inquiry dated XXXX XXXX. I have existing accounts with Macy 's and did not request the following ; 1 ) open a new account 2 ) complete or request an application for a new account 3 ) place a request for an increase of line of credit on existing accounts. 
Therefore, under the FCRA Macy 's had no validate reason to place an hard inquiry on my consumer credit report and refused to delete said inquiry until XXXX. 
I believe Macy 's is engaging in XXXX profiling and intentionally using techniques designed to lower the credit scores of minorities. In XXXX, I filed and complaint with CFBP against Macy 's for failure to report my accounts with the XXXX credit bureaus which lowered my credit score. Macy 's intentionally placed an hard inquiry on my XXXX credit report as an retaliatory action in addition with the sole purpose lowering my credit score. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Repeated phones calls from XXXX ( Penn Credit, according to internet search ) about unknown person. Nobody at our number ( XXXX ) has any debt and we are on the Do Not Call List. The robo-call leaves a message to call XXXX about XXXX (? ) XXXX (? ) a name we have no knowledge of. The company calls late at night, early in the morning and on weekends. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My ex-husband used my social security number and his name hit my credit report. I was supposed to be protected by the courts, identity undisclosed, because he is on XXXX. However, the court clerk did not do her job and now all of my personal information is public. He knew my social security number and is now trying to cause me financial damage like he has done others in the past by switching his last few numbers of his social to open accounts on someone else 's credit and ruined them. I disputed with Experian but that did not change my credit score after he dropped it over XXXX points after he already destroyed me by XXXX and I had to give the only transportation that me and my son had back to the bank because it was destroyed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX is listed on my credit report as a collections account. The account needs to be deleted from my credit report immediately. XXXX is flagrantly listing wrong information on my credit report that does not include any payments made, nor the correct balance, nor any dates of payments. The information that is listed by XXXX on my Credit report is wrong. The accounts need to be deleted from my credit report as they contain wrong information in flagrant violation of the Fair Credit Reporting Act. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am writing to file a complaint against Experian On previous validation of request, Experian failed to provide the true date and its validation to 1st delinquent date negative item has been reported on my credit report more than 9 years I called creditor and it stated they have stop reporting after XXXX 2015 Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with EXPERIAN to date. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I signed up for the XXXX credit card with Bank of America. Initially, they were unable to get my name right in three tries. 

Their fraud detection system is extremely weak. It flagged XXXX of my purchases as fraudulent, and then when XXXX fraudulent transactions happened over 2 days, it did not flag any of them. 

Furthermore, when I called to report the fraud, I was forced to wait 20 minutes on the phone -- and the initial customer rep could not even process this fraud report and put me on hold for 30 minutes for escalation. 

Their service department is clearly understaffed relative to other banks, and their fraud detection system is the weakest I have seen. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a judgement in the mail with the plaintiff as " Equable Ascent Financial LLC '' apparently the total amount I owe is XXXX. This is extremely disturbing as I have no idea where this debt has come from. I am currently purchasing a home and because of this judgment we will not be able to close escrow until it is payed off. I have been a victim of fraud in the past and this may be another fraudulent situation. 

Company response: Company believes it acted appropriately as authorized by contract or law