AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX/XXXX/2015 at approximately between XXXX and XXXX. I made an attempt to dispute negative items that are on my credit report to Experian Credit Reporting Agency. A representative name XXXX and his manager XXXX were very condescending and rude to me. I made several attempt to explain myself and it was clear that these XXXX individuals did not want to help. The day before I had initiated disputes online with the credit bureau and wanted submit evidence to support my claim. I informed them over and over that there 's duplicate negative items on my credit report and they continued to be more difficult and harass me verbally. I am willing to file as many formal complaints as needed to get this kind of disrespect to end when dealing with credit reporting agency. After being frustrated by XXXX, his supervisor XXXX continued to taunt me as if this was some game. I could clearly tell in her tone that she was n't happy to speak me after XXXX. I did inform them both that I would be filing a formal complaint to federal government about their behavior. 

Company response: Company chooses not to provide a public response
Consumer complaint: My daughter stole my debit card on several occasions withdrawing from my account at the ATM for a total of {$1800.00}. I contacted Bank of America and filed a claim to get the money back. I also called the police and filed a report with the police. They spoke to her and she admitted to stealing my card and withdrawing the money. My claim with Bank of America was denied for the return of the money because they said by giving her my card one time to use made her an authorized user. They also said that if she steals my card because now she is an authorized user anyone she gives it to to use becomes an authorized user. I tried to fight the decision but failed. They have not provided anywhere where it states that by giving my daughter once to use my card that she becomes an authorized user, and anyone she gives it to. Please help me in resolving this issue. My daughter is going to be prosecuted for the theft. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is in regards to a Bank of America credit card account # XXXX showing on my credit history as closed by consumer and unpaid balance charged off. The information provided by Bank of America is incorrect I was an authorized user on this credit card which was opened and maintained by my late spouse XXXX XXXX XXXX. He died on XXXX XXXX, 2011 when Bank of America was notified of XXXX 's passing they automatically closed the card and would not allow me access to it. I had no knowledge of any remaining balance nor did they make any attempt at placing a claim with his estate. They made what was already a very stressful situation even worse. I still have no idea what balance was charged off nor do I have the full account number for which they are reporting adversely on my credit history. I did previously try to contact them with no success or sufficient response. I would like all credit reporting that they have done and are doing deleted from my credit history. I feel they are in violation of the FCRA and have committed a UDAPP as they have made no effort to collect the debt from me which they are saying I am responsible for. Your help and swift resolution of this matter will be greatly appreciated. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have enclosed the documentation of my claim that erroneous items are being listed on my credit report due to these private student loans. Attached are all the supporting documents. I simply want the items, including any hard credit inquires from potential creditors that were denied, ALL removed and deleted from my credit report as they are not factual. This issue has directly impacted my ability to obtain personal lines of credit since XXXX of 2014. 

Enclosed is the official response from XXXX including the original promissory note stating only XXXX ( XXXX ) loans from their offices were ever issued with direct contact information. These private student loans were then bounced around between XXXX ( XXXX ), XXXX ( XXXX ), and XXXX XXXX. All of these items are listed on my credit report as multiple separate loans when they are NOT separate loans but the same XXXX ( XXXX ) original loans transferred from the lender to vendor, to collection agency. 
Executive Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ATTN : XXXX XXXX Phone : XXXX extention XXXX Both of the private student loans were originally from XXXX. These loans now appear as multiple negative items listed as XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX. NONE of these items should not even appear on my credit report as negative items. Per the court ruling this debt was dismissed without prejudice and can not be collected on, nor should it even appear on my credit report as it is not a debt. 
Magisterial District Court : XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Docket Number : XXXX XXXX XXXX, PA XXXX Phone : XXXX Case Number : XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: A representative called me on XX/XX/2015 regarding a debt a relative has, I explained I have nothing to do with the debt and requested no contact, they assured me they would take me off as contact. On XX/XX/<YYYY> I received an automated call regarding the same debt owed by a relative. I called again to ask that they remove me as a contact, " XXXX '' stated that the relative would need to have them remove me. I asked why she could not remove me as an non-involved part that did not want to be contacted, she again stated that the relative needed to have me removed from their contact list. I asked if they followed FTC regulations, she stated they follow their own regulations then put me on hold and did not return to the call. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: My debit card was lost recently. I am a waitress, which means my only source of income is cash. Without my debit card I have no way of depositing this cash into my account to maintain my balance. In the past few days while waiting for my replacement card, I have had a few automatic payments taken out of my account which have sent my account into overdraft. Because of this I now have {$200.00} in overdraft fees. {$200.00} is over half of what I make in a week, which means I am now unable to pay my rent and some bills. I have spoken to a wells fargo agent over the phone and they said they were unable to waive the fees because they were valid. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX collection agencies collecting the same debt. Collection agency refused to take partial payment 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: WELLS FARGO : My husband and I just sent letters requesting reduced monthly payments based on our income, and provided financial documentation to prove that we are struggling to make the payments. This is the second attempt that we made to work with Wells Fargo to reduce our monthly payments. Both times, their response was that the combined income of our co-signers and our own income is too high to reduce our payments. My mother, one of our co-signers, has already been paying portions of our loans to Wells Fargo, and this is documented in our file. All of our co-signers are retired, and on fixed monthly incomes. 

Company response: Company chooses not to provide a public response
Consumer complaint: Ditech Mortgage notified me on XXXX/XXXX/016 that our loan was eligible for a modification. I requested that they lower our interest rate and modify our loan to lower payments. The additional requested documents were faxed to them as requested on XXXX XXXX, 2016. 

I recently checked their website for status of modification and it shows they were unable to approve our modification, however I have never had XXXX call from these people since this process began, never been asked XXXX question, or for any documents, other than by letter which I complied with. I want to know why they are so inept at processing a modification, that should have been good to go according to their letter dated XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XX/XX/2015 I have disputed the following accounts XXXX XXXX, account # XXXX XXXX county probation account # XXXX XXXX account # XXXX in each instance I have requested an investigation all XXXX accounts are reporting incorrect information they refuse to insert the correct information this is the 20th time I have requested for the correct information be inserted 

Company response: Company chooses not to provide a public response
Consumer complaint: For several years I have been trying to pay off or at least get current with my Juniper Credit card ( owned by Barclay ). XXXX card has been closed, but they continue to charge me interest. I have XXXX other cards that have been more than helpful in that respect and I am slowly paying them off. When I ask for a similar deal they refuse. I have been through several short term hardship programs, that have been somewhat helpful, but have never brought my account current. After the last stint at short term hardship, I spoke to an account rep who was surprised that I was never offered a long term plan. I told her, it was never available to me, per their parameters. I asked her if my account was closed, she confirmed it was, I then asked why they are trying to charge me more that the Washington State limit of 12 %, she did not have an answer. I want to pay off my account, but they make it impossible with the interest they charge on top of late fees. I have written them a letter asking to be put on a plan with even monthly payments and no interest. Is there anything else I can do, besides filing for bankruptcy? 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received at least XXXX calls from this number ( XXXX ) and they have even called my parents. They claim that I owe money on a payday loan that I took out in 2013. I have never taken out a payday loan so this is false. I asked them to send me something in the mail and I will be filing a police report for harassment. They say that their name is High Plane Asset. And that their clients are XXXX and XXXX. I looked XXXX these companies up and there is no contact information for either XXXX of them. In fact XXXX does n't even exist. At least not that I can find. 
This is a disgusting scam to try and scare people into paying them money. They have my social security number and XXXX only knows what other information they have. These people should be prosecuted! 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Wells Fargo re-ordered my transactions to post the newest, largest debit first and the oldest, smallest debit last so that the first would put my account into the negative and then charge XXXX {$35.00} overdraft fees. There were only XXXX debits. XXXX for {$4.00} and XXXX for {$20.00}. Wells Fargo purposely re-ordered the transactions to result in XXXX fees instead of just XXXX as the first was covered by my balance in the account. The second was a bill payment that they rushed through on the same day when it normally takes that payment XXXX3 days to post. So they rushed the {$20.00} bill payment through in order to incur {$70.00} in overdraft fees. I made a deposit of {$40.00} cash the next day and then discovered that the bill payment had already posted and incurred the fees. The previous month, it took 3 days for that payment to post to my account which is normal as I have been making that monthly credit card payment for years and it always takes several days to post. 

Company response: Company chooses not to provide a public response
Consumer complaint: Upon checking my credit report at XXXX, I detected that " XXXX '' cable/cellular imposed on me charge on amount {$2300.00}. I state, that, I never used " XXXX '' services cable/cellular. It is apparent to me that my identity was compromised by fraudulent activities. 

Company response: Company chooses not to provide a public response
Consumer complaint: Debt collector called my minor son and left threatening message regarding a debt I do n't owe. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I took XXXX XXXX retail loan which is with WellsFargo bank now, because it offered 0 % interest for 12months.. I was paying more than minimum amount every month without missing. End of 12th month which was 'XX/XX/2016 they charged me {$1500.00} as interest for the unpaid remaining amount is {$3000.00}. I asked them to remove the interest amount so that I can pay {$3000.00} and close the account. They refused. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am disputing acredit card Idid not apply for I received it at Sears They said it was a gift Idid not recieve any application for this And I paid my card off in 2014 but I keep getting billings for this and I did not use this card My payments keep going up and up my bank history payments on this card are over XXXX Plus XXXX XXXX Now they have even tried to give me a number ending in XXXX. No card with this Number my card number is XXXX XXXX XXXX XXXX I refuse to pay anymore payments on this card 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX sent numerous letters explaining in there flyer options for a fresh start.Deceptive if you do a short sale you will be responsible for the difference which you will have to pay tax on. Second option for a fresh start Deed-In-Lieu or Foreclosure. Please read accompanying flyer. Looks like same as short sale. Spoke with XXXX at XXXX who understood the reason for my mother 's desicion for deed in lieu or Foreclosure and sent out nessacery paper work Personal Financial Statement, Assets and Liabilities, Income and Expenses, as you can see there is no way she can afford a 3 month trial period @ {$1000.00} a month. She sent back all required documentation.The next time I spoke to XXXX she said they did not receive the information and would send a XXXX pre paid envelope if they did not recieve it by XXXX/XXXX/2016, .The only thing sent was 1 certified letter and 2 in the mail box with the same forms for a modification.My mother received it on XXXX/XXXX/2016. XXXX is either confused our incompetent either way I think my XXXX year old mother with XXXX is being taken advantage of. The only thing short is the protection of seniors.. What a joke when I am told that it 's up to them because they might loose money. Hello they never loose money and if they do then that 's the way it goes when you are supposed to be experts in home buying and selling. This is why tax payers have to bail out all the banks and business 's! Will email copies of documents sent by XXXX and filled out and sent to them 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am a victim of identity theft. I sent in to the credit bureau a copy of my identity theft report, police report and a letter detailing the fraudulent items that I requested to be blocked from reporting on my report. Some items were blocked, however, not all of them listed in my letter and in the police report were. There are XXXX tax liens and a bankruptcy that is being reported in error on my report. I have never filed bankruptcy, nor have I had any tax liens against me. I contacted the courts directly and was told that they do not report to credit bureaus and that I would have to deal directly with Experian, as the other credit bureaus blocked the fraudulent reporting. Upon contacting Experian, I was told that they verified the accounts and will continue to report them. How can they verify them with the courts, if the courts do not report to them or communicate with them? I do n't understand why Experian insists on reporting fraudulent information at my expense. 

Company response: Company chooses not to provide a public response
Consumer complaint: My legal name is XXXX XXXX XXXX My physical address is XXXX XXXX XXXX XXXX, ca XXXX I am Self Employed at XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, ca XXXX i need the other names, addresses and employers removed from my credit report as they are no longer 100 % true and correct. thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: Once again Arvest mortgage aka central mortgage once again has tried to downplay the seriousness of my formal complaint and its attempting to deflect the seriousness of their misconduct and playing games and deceiving the Federal Government. I filed a complaint please see attached documents with cfpb. They have lied to you saying that they do not have the proper documents and paperwork which is a lie. I filed a complaint on XX/XX/2015. Case number XXXX I called you and told me to fill out another complaint wich I have case number XXXX. Please understand that they broke into my home change locks damage my front door and had several personal things stolen by there company and affiliates. Imagen and if you could put your self in my shoes. Another Lie is that they say Central mortgage is not a bank but it 's own by Arvest Bank. So they tell me that they do not have to follow Banking Laws. The thing is that what XXXX did with a gun this company doing with a pen. I thank you in advance XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I signed up for the XXXX XXXX credit card from Citibank about two years ago. At the time of enrollment, the card offered a free night certificate upon cardmember anniversary date, if I had spent {$10000.00} or more in that year on the card. Based on my spending during the past year, I qualified for the free night certificate when my anniversary date came up on XXXX XXXX. I did not receive the certificate, so I contacted Citibank. At first, they claimed that I did not qualify for the certificate since my spend had n't occurred in the period between the date when my annual fee hit ( which was in XX/XX/XXXX ) and the end of my cardmember year. I told them that I was told that the eligible period was in fact based on my card opening date, not the date when the annual fee hits. Otherwise, cardmembers would have less than a year to qualify for the benefit. 

I received a message from Citibank, via their secure message system, that I had indeed been given incorrect information and that I did qualify for the free night certificate. They informed me that the certificate should come directly from XXXX, so I contacted the hotel company. The hotel company reached out to Citibank, and was informed by Citibank that I did not qualify for the free night. 

Based on my spending, which is completely tracked by Citibank, and also the message I received from a senior account specialist at Citibank, I did qualify for the free night certificate. I 've reached out to Citibank about five times already to resolve this issue. Earlier this week, when I reached out yet again, I was told that an internal team would look into the secure message, and they would get back to me within 3 business days. That time period has lapsed, and I 've yet to hear anything from Citibank. 

My request is that Citibank honors the offer it advertised at the time of my account enrollment. It is unfair for them to expect their customers to put in all the effort to receive a bonus that they earned, and that Citibank should proactively award. My cardmember anniversary date occurred almost 3 months ago. It is unfathomable that it would take this long for me to receive my benefit. One could argue that Citibank is intentionally dragging this out so that I can not decide to close my account within their grace period for receiving a refund on their annual fee. I had no intention of closing my account - I simply want Citibank to honor its promise. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX has placed a collection acct on my credit report that was previously deleted. 

Company response: Company chooses not to provide a public response
Consumer complaint: I rec 'd a letter from Ally XXXX for a debt that is NOT ours. I verified this with my husband 's SS #. I told them XXXX to not contact us again via phone or letter or I would file a complaint with CFPB. I even wrote that on their letter and sent it back the next day. They even asked if I knew the person they were trying to reach. There are several people with the same name ... .I googled it. How would I know WHICH one they were looking for? Besides even if I did know ... ... it 's NONE OF MY BUSINESS!!!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX can get away with identity theft to alter documents and sell that loan with the altered documents 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank closed our Citibank MasterCard account for non usage. I had the Citibank account for nearly 10 years with a $ XXXX credit limit. Called them immediately and requested they reopen the account and they said they would process my request. A few days later I received a phone call from an XXXX number that I did not answer because I did not recognize the number and there was no caller ID attached to it. Apparently it was Citibank calling to verify my identity as they had pulled a hard inquiry on my XXXX credit report requiring they confirm my identity as per the fraud alert noted on my account. I have maintained fraud alerts with the credit bureaus for 15 years due to identity theft. When I called Citibank a few days later to check on the status of my request, they informed me it was denied because they could not confirm my identity. I explained the reason I did not answer their unidentified phone call and they said they would reprocess my request to reopen the account. A week or so later I received a letter stating my request had again been denied. This time the reason for denial stated " your credit report shows your balances are too high for the income that you reported ''. My retirement income, as reported, is over $ XXXX annually after taxes, I carry over " {$0.00} '' balances on my credit cards and my FICO credit score as of XXXX 2015 is XXXX. The only long term outstanding loan I have open with a balance is a low interest Home Equity Line of Credit on which I purchased a new car 3 years ago. Otherwise, we have no outstanding debt, pay our bills on time, never late ... not once in over 20 years, and have a substantial retirement income. Not only did they deny my request to reopen my CC account, which may lower my good credit score, they also pulled XXXX hard inquiries on my credit report within days of each other, further damaging my credit score. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received messages from friends and family who have received phone calls or voicemails from XXXX stating that they are trying to reach me. They told my father that I was in danger of being arrested, told my grandmother that I was being prosecuted in a criminal case, told my sister that I was being summoned for jury duty, and told my sister-in-law that they were going to serve my company legal documents subpoenaing me to court. I have contacted the company and asked for a cease and desist order for this debt and asked that they cease all harassing phone calls containing false statements. 

Company response: Company can't verify or dispute the facts in the complaint