AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Transunion, XXXX and XXXX are all reporting incorrect items on my credit reportand to date have ignored our attempts at getting these items removed, corrected and changed?! We certainly know our valid correct legal names, where we have ever lived in XXXX years of marriage and where we have never lived or had a postal box?! Alsopublic records is reporting incorrect information on a supposed judgment by XXXXfiled in XX/XX/XXXX and no later where we have a letter from XXXX and the FDICstating very clearly that NO SUITS were ever filed. The XXXX accounts in question were charged off in XX/XX/XXXX. We think these judgments should be dropping off as we are in the XXXX year time frame now and that legally they should never have been filed if in fact they were as we were in a debt settlement program with XXXX XXXX XXXX in XXXX, AZ from XXXX and the XXXX accounts were in the program which XXXX agreed to?! 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX I ordered a IPAD online with my BestBuy.com using my BestBuy credit card. The day after I ordered it I was contacted by BestBuy and advised the IPAD was on backorder and may not be available before XXXX. Because it was for a XXXX gift I told them to cancel the order. When I received my BestBuy statement in XX/XX/XXXX there was a charge for {$29.00} for IPAD software, I immediately called BestBuy customer service and told them the IPAD was cancelled and questioned why the charge was on my account. I was told it would be corrected. I received a statement in XX/XX/XXXX and the charge was still on there, again I called customer service and this time questioned why it was n't removed, and asked why it was on there in the first place being that I ordered an IPAD initially which was never on my statement yet I was being charged for some software that went with the IPAD. I was informed once again the problem would be corrected. Well, I received a statement in XX/XX/XXXX that still had the charge on it only this time it stated my account was past due ( This was the ONLY charge on my account and I did not feel I should pay for something I did not charge or receive ). I again called customer service and demanded the issue be resolved and complained that I had spent literally hours on the phone with customer service trying to resolve a charge that I never should of had on my account, again I was told it would be resolved. When I received my XX/XX/XXXX statement the balance was once again at XXXX and I assumed the charge was indeed corrected .... Only to find out years later that was n't the case. 
I recently had my credit score ran and when reviewing the results I had XXXX late payment out of XXXX payments made. When I saw who the late payment was from I was very upset ... BestBuy, for not making a payment XX/XX/XXXX for a charge that NEVER should of been on my account. I immediately called BestBuy credit services to have this removed because I did n't feel my credit report accurately reflected my BestBuy account, you can see the history was ALWAYS paid on time and that there was no payment made by me in XX/XX/XXXX by me ( the account was credited ). Here 's what I received from BestBuy ... Unfortunately, we are unable to change the information reported to the credit reporting agencies, as it accurately reflects your account history with us. Are you kidding me? 
I called them immediately only to have them say, BestBuy did n't credit your account, we just wrote it off because you 've been a valued credit card holder with BestBuy for XXXX years, and I doing so we ca n't report the account was current. I 'm at a loss ... My initially reaction was to cancel my BestBuy credit card, only to think cancelling a card may also affect my credit score. I know it 's only 1 late payment from XXXX years ago, but it 's the principle of it, BestBuy used words in their letter like " integrity '' and " accurately ''. I think they need to be held accountable yet I exhausted my efforts in doing so with them. I have no receipt because I never took order of anything. 

Company response: Company chooses not to provide a public response
Consumer complaint: I just received the Trans Union Report, I just do n't get why they continue to not do their job? 
I attached my TransUnion credit tracker1- it shows a Delinquent account- I can assure you there no accounts that I have anything past due, All I ask is which one? 

2- Under Open accounts, it shows XXXX , XXXX is a closed paid account long ago. 

I appreciate the availability of Credit reporting information available to the consumer these days, but it 's the disgust when you look at it time and time again and it 's not correct. Life is hard enoughMy personal employment information they find difficult to correct, I have been in the same same address for 11 years, with ownership changes that are common in my industryCurrent EmploymentXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AZ XXXX XXXX mortgage was taken over by XXXX XXXX was taken over by XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Filed for Bankruptcy in XX/XX/XXXX because of a divorce, received moneyfrom the divorce in XX/XX/XXXX, I paid all bills I had filed on and withdrewthe Bankruptcy. Had not been a month till I withdrew the BK. Today is XXXX XXXX,XXXXand I still have not been able to get this taken off my credit report. It is showing aBankruptcy dismissal. I did not go through with this yet it is still on my report. I have been denied a Home Loan, a small personal loan, a credit card, an apartment, and even have to pay higher prices for utilities to be turned on. I am a XXXX senior citizen living on a fixed income. I feel I have been treated unfairly because of this BK.I would like for this to be taken off, since I did not go through with this. It is effecting my credit score XXXX pts. 
I try very hard to keep my credit score up. 

Company response: Company chooses not to provide a public response
Consumer complaint: I do not owe debts. Bills are paid timely. Keep getting robo calls on answering machine from XXXX stating it is debt collector. Must be continuing scam. I do not return the calls. 

Company response: Company chooses not to provide a public response
Consumer complaint: sunrise credit services contacted me about a XXXX account.i was given instructions of paying debt.i mailed out XXXX money orders.the XXXX in the amount of {$54.00} and a XXXX for $ XXXX.the {$54.00} money order was sent to sunrise credit services with XXXX annotated on money order.Since.XXXX of this year ive been hounded for the $ XXXX.Ive sent several copies of money order that i had traced through the postal service showing it was deposited in a sunrise credit services escrow account.money order included sunrise credit services account number.Still today sunrise refuses to inform XXXX they received payment which postal service confirms was cashed on XX/XX/XXXX.because of this lack of action ive been reported to the credit bureau which a caused my credit score to tumble as well affecting interest rates on purchases made on credit.Id like to add that i followed all instructions given and and this should have never gone to credit bureau under payment agreement.the first contact was made by sunrise credit services was made XXXX XXXX {$54.00} money order sent out XX/XX/XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: *THIS IS A XXXX REQUEST FOR THIS INFORMATION**DO NOT REDIRECT THIS REQUEST TO WELLS FARGO AS THEY INSTRUCTED US THAT ONLY XXXX XXXX CORPORATE TRUST DEPARTMENT WOULD HAVE THE INFORMATION WE ARE REQUESTING. 
XXXX CORPORATE TRUST DEPARTMENT HAS PROVIDED US WITH THIS INFORMATION PREVIOUSLY VIA EMAILS AND DOCUMENT VIA REGULAR MAIL. 

WE SIMPLY WANT XXXX XXXX XXXX XXXX DEPARTMENT TO CONFIRM THAT OUR MORTGAGE ( XXXX / XXXX - XXXX XXXX XXXX, XXXX NECK, NJ XXXX ) WAS REPURCHASED IN XXXX OF 2009 BY WELLS FARGO FROM XXXX XXXX XXXX A CUSIP - XXXX. WE HAVE OBTAINED THIS REPURCHASE INFORMATION DIRECTLY FROM THE XXXX CORPORATE TRUST DEPARTMENT VIA EMAIL AND REGULAR MAIL AND WANT IT CONFIRMED HERE IN ORDER TO FOREGO SUBPOENA. 

Company response: Company chooses not to provide a public response
Consumer complaint: I do not owe this company nor have any dealings with it my information, including phone and address information has been compromised and this account is a result of identity theft that needs to be removed asap. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I am getting robo calls at my business attempting to collect on XXXX telephone services which were changed from business to personal in 2014. The robo calls have a recorded message. It is coming from Southwest Credit Systems and they specifically ask for me. This is a business and I previously have advised them they are not to call the business number and not to robo call either as I do not appreciate being asked to hold for a real person. And incidentally, I still have uverse personally and have complained to the credit bureau without results. I also continue to get calls from XXXX XXXX XXXX asking me to switch the telephone over to XXXX. So apparently they are not trying to collect these charges. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XX/XX/XXXX, I had some unexpected expenses. My car payment for the month was due on XXXX/XXXX/2015. Due to an out of town family situation, I did n't call Ally until XXXX/XXXX/2015 to request a deferment on my account. Up to that point I 'd had a perfect payment record for at least a year so I was immediately approved for an extension, 1 month per my request. I verified my information with Ally. As I have a physical address and PO box , I requested that it be sent to the post office. As a condition of the extension I made an immediate payment of {$170.00}. The actual amount to be paid was {$170.00}, but due to the language barrier, I was n't clear on the specific amount. I was then supposed to wait for my paperwork in the mail. By XXXX/XXXX/15 I had not received it. I called and talked to many representatives who said it was mailed. I was concerned about completing the transaction prior to the 20 day period of the extension terms. After many conversations, a copy was faxed to me. I immediately signed it and faxed it back. I watched my account to see if the extension was reflected, again getting nervous about the deadline and any impact to my credit. Again, after several conversations, I was told it was recieved so under the wire, I made the final payment of {$230.00} ( {$230.00} was the intended payment ) which would have been for the XX/XX/XXXX payment. I would then go back to my regular payment of {$590.00} for XX/XX/XXXX. Upon checking my account for my XXXX payment, I found a past due amount of {$170.00} with a late fee of {$29.00}. Again, after many conversations Ally reps have aknowledged that since the original document was sent to a PO box , that it was not valid. The payment I made to start the process for the extension was not applied to the extension, but my XX/XX/XXXX balance. I have spoken to a myriad of representative in the U.S. and even a manager in collections who acknowledges that this is what happened. They argue with me that I owe this when the copy of my extension agreement indicates no other charges. The last manager I spoke to, a gentleman named XXXX, said he would look into the situation and get back to me. This over the peiod of 2 months is still unresolved. 

Company response: Company chooses not to provide a public response
Consumer complaint: Will not tell me anything regarding the purpose of their call or their names or the company they work for unless I give them my personal information. Not going to happen! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: the company keeps calling me and threatining me harrasing me to pay debt I dont owe I keep telling them not to call they keep on calling at my work office residence please have this company stop calling me and threating me the company name is XXXX XXXX AND LOCAL XXXX XXXX, XXXX ( XXXX ) XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Paypal closed my account and is holding the funds for past 4 months. There has been no update what so ever and no one from paypal has got in contacted with me with details on why the money is still with them despite the account being closed 4 months back. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX refuses to re-invistigate legitimate disputes. I keep getting generic responses stating that they have already investigated, but do not provide proof as to what they used to verify the accuracy. I know the disputes I am making are legitimate and not my accounts. They have also refused to re-investigate inquiries that I know are not ones I have made and are hurting my credit score. 

Company response: Company chooses not to provide a public response
Consumer complaint: I already submitted a complaint, case number XXXX in XXXX. The debt collector agreed I did not owe this debt and removed it, and now XXXX XXXX ( which by the way is not a company that actually exists, and must be someone going around illegally trying to collect money ) has gone with a new debt collector. Their name is XXXX XXXX XXXX, XXXX. The client reference number is XXXX XXXX. I submitted a complaint against the other debt collector and XXXX XXXX XXXX XXXX, yet they seem to be allowed to harass me with a new debt collector. They are using my maiden name ( which has n't been used since XXXX ) and SSN. I do n't understand why this continues to occur, so can someone please stop this harassment? Thanks. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX erroneously reports the payment made in the last month reported on the credit hx was late. We traded this vehicle in on another in XXXX 2012 & payment was current. The car dealer sent the payoff for this vehicle LATE to XXXX XXXX XXXX. XXXX XXXX check records for date of vehicle trade, refinance of new vehicle versus date the dealer sent the payoff in, & confirm payment was late as a result of the dealership handling & not the customer. Our payments were on time. I received late notices from XXXX XXXX & contacted them at least 2 times as well as XXXX of XXXX requesting they get this taken care of because I do not like being accused of being late when I am not. 

Company response: Company chooses not to provide a public response
Consumer complaint: I refinanced my mortgage with XXXX XXXX XXXX and they transferred my new loan to LoanCare LLC. As I am accustomed to paying my mortgage ( previously with XXXX XXXX ) online within the grace period ( up to the XXXX of any month ) usually around the XXXX, I make a one-time bank transfer each month and never was charged any fee to do so. Today I find out that LoanCare will charge me a variable fee for this monthly ACH transfer and the fee is based on when I make my payment EVEN within the grace period. Fees are XXXX-XXXX day of the month, no fee ; XXXX-XXXX of the month {$7.00} and the XXXX-XXXX of the month it 's {$10.00}! I find this egregious, unfair and punitive, it 's punishing me for making my own decision on when to pay them and I should be able to pay up to the last day of the grace period if I choose without paying a tiered fee, or any fee for that matter for a simple ACH bank transfer. I do n't know if other loan services do this but I have never seen this before and have refinanced a few times in the last 6 years and no services made me pay these fees. Hope you can help me as I am stuck with this company unless I refinance again. 

Company response: Company chooses not to provide a public response
Consumer complaint: THE COMPANY HIDAY & RICKE P.A. LOCATED IN XXXX FL. WITH A XXXX - FALSELY CLAIM TO BE ATTORNEYS OF THE LAW - WHEN THEY ARE JUST A THIRD PARTY DEBT COLLECTION GROUP ... .THEY ALSO USE THE XXXX XXXX COURTS FORMAL ADDRESS AS THEIR LETTER HEADING WITH THEIR CORRESPONDENCE TO ME - THAT STATES - IN THE XXXX COURT, XXXX, IN AND FOR XXXX XXXX XXXX FLORIDA XXXX .I HAVE BEEN SENT NUMEROUS LETTERS FROM THIS DEBT COLLECTOR STATING THE DEBT THEY SAY I OWE ... THIS HAS BEEN ON GOING FOR SEVERAL YEARS ... THEY HAVE SENT PROCESS SERVERS TO MY HOME - AND MOST RECENT IN XXXX 2014 - THEY SENT A XXXX MAN TO USE SCARE TACTICS AT MY HOME - BY POUNDING ON THE DOOR AND YELLING OUT I WAS BEING SERVED PAPERS FOR THE DEBT I OWE ... .I HAVE RECENTLY SENT THEM LETTERS TO CEASE AND DESIST ALL CONTACT WITH ME AND MY HOME - FOR THEY ARE ONLY A THIRD PARTY DEBT COLLECTOR ACTING LIKE ATTORNEYS ... .AGAIN RECENTLY I RECEIVED A LETTER FROM THEM STATING I DID NOT SHOW FOR A DISPOSITION AT THE COURTS ... .IN CONCLUSION, WHAT EVER PAST DEBT I HAVE, HAS REACHED A STATUE OF LIMITATIONS ... ..I REFUSE TO DEAL WITH THIRD PARTY PHONEY DEBT COLLECTORS ... ..PLEASE PUT A STOP TO THEM AND THEIR BULLYING SCARETACTICS!! 

Company response: Company chooses not to provide a public response
Consumer complaint: We contracted with a local XXXX company to provide a mortgage for a new home until our current home was sold. 
XXXX XXXX, 2014 : XXXX Mortgage sold the mortgage to SunTrust. We paid on time every month ; no delinquencies. 
XXXX XXXX : I requested payoff figures for the loan by phone and senta check for the quoted amount via USPS Next Day delivery. 
XXXX XXXX : I received a letter from SunTrust confirming the payoff amount, covering the period until XXXX XXXX. This matched the funds I sent XXXX XXXX. 
XXXX XXXX : I received the USPS confirmation, signed XXXX XXXX in XXXX, VA. 
I checked my bank and check XXXX had not cleared, so I contacted SunMortgage by phone and they refused to acknowledge they had received the check. I first tried to use the " secure email '' service on their website but it did not work ; I tried XXXX different browsers. 
XXXX XXXX : my check XXXX cleared my bank. 
XXXX XXXX : I received mail from SunTrust saying I owed them additionalinterest and recording fees. I called XXXX for clarification. They told me Ihad not used " guaranteed funds '' so they only applied my check to the principal. 
They obviously cashed the check without a problem, 13 days after they received it. 
I do n't understand how I can be responsible for their bad management ofreceived funds. 

Company response: Company chooses not to provide a public response
Consumer complaint: Third party debt collector attempting to collect unverified and disputed debt from myself and my minor child. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2015 I tried to pay by debit card a massage service, but the card machine did n't work, so I paid by cash {$64.00} plus tip. However the bank Wells Fargo debited {$64.00} on my checking account. On XXXX XXXX, 2015 I went on the brunch XXXX XXXX XXXX XXXX, I talked to XXXX XXXX XXXX XXXX, who was n't nicely at all, he was unrespectful making jokes with XXXX, saying " he was really busy to take care claims from clients, but anyway ''. 
He did n't accept the card notes from the massagem business, I went to XXXX business XXXX times, on the XXXX time the girl from front desk accepted to buy a receipt paper, because the business does n't have receipts, they do n't work like serious business, I guess. 
So I came back to the bank and I requested to talk to the Manager, XXXX XXXX, he talked to claim department and explained the business filled with my informations and said that I paid {$64.00} by cash per services and the card did n't go though on Saturday. XXXX XXXX sent all proof by fax and he checked with Claim department if everything was enough. He told me to be calm everything would be fine and I would receive my money back, and he was a patient and nice manager, so I did n't close my account on Wells Fargo. A bank which does n't trust in our clients is not a good bank. Also this happened in XXXX PA. 
On XXXX XXXX, I traveled to XXXX and I moved to XXXX on the beginning of XXXX. Today, XXXX XXXX, 2015 I checked my checking account and I saw - {$64.00}, so I researched what was that, then I got the informations from Claim Department that the receipt was n't enough, I need to go the Business and request I printed receipt or something like that. 
How I can come back to XXXX to request a receipt from a Business who already had problems to fill the basic one? 
How can be possible a bank like Wells Fargo who says they care about costumers said to me, " Im sorry I ca n't help you '', if the bank who I trusted to work with ca n't help me, who can? How I can prove Im paying XXXX for XXXX single massage, a service I got because I hurt my back and I could n't walk. 
I ca n't go to XXXX right now and I do n't agree to pay XXXX for a bad machine. 

Company response: Company chooses not to provide a public response
Consumer complaint: I challenged this account because the date opened can not be correct. 
The response I received is : '' XXXX ErrorDispute ResultsIt looks like your dispute request has encountered XXXX or more errors. You can find the error codes below, along with a brief description. " There was no description or code as stated and so I called Transunion XXXX and an XXXX speaking lady told me that she would have to reissue the dispute and they would contact me back in 30 days. She said the error code was because of erroneous information I provided. I questioned what she meant by this. What was erroneous? She became infuriated. 
She stated again that I provided erroneous information. Her infuriation heightened I ended the call. 
XXXX has removed the deragatory information ( see copy ). 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a non-compliant marketing piece asking if my rate was higher than 2.25 %. There was no disclosed APR in the advert and nothing to indicated the loan they were offering as a refinance option was anything but a fixed rate mortgage. I would like to hold them to their disclosed offering of 2.25 % on a 30 year fixed. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: For the past XXXX years, we have been receiving calls from Harris and Harris, a debt collection agency out of XXXX attempting to collect a debt that is not ours. The person they are looking for is clearly not at our address and has not lived at this address for almost XXXX years ( they were a tenant in a property we own ). I have called the company and explained the issue and that the person they are looking for is not at this address, however, the calls continue ( approximately XXXX per week ). 

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