AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My wife, XXXX XXXX XXXX, received a phone call on XXXX XXXX, 2015 from E.R.C using a phone number of XXXX. They started asking her all kinds of questions so she called me and I called the company back at XXXX. They said that their conversations were being recorded and that they were an XXXX company. I tried to find out what this was all about but they would not talk to me. I told my wife to call them back and give them permission to talk to me. 

After several phone calls back and forth it was determined they had the wrong person. I called and told them to delete my wife 's phone number and XXXX from their records or I would file a complaint. 

Yesterday, my wife had an incoming call from XXXX but she did not answer the call. 

This morning, XXXX/XXXX/2015, I received a call from XXXX wanting to speak to XXXX XXXX. I told them they had the wrong person and I gave them the last XXXX of my wife 's SSN and she said it did not match their records. The female then wanted me to give them my wife 's DOB which I refused to do. I then called them back and asked to speak to a supervisor. The supervisor, XXXX XXXX said the company was Enhanced Resource XXXX of XXXX XXXX XXXX, XXXX, Florida. I told him to stop calling us and to remove both numbers from his list and that I was going to file a complaint. 

After I got off the phone with him, my wife told me they attempted to call her again yesterday. 

I want to file a complaint so they will stop harassing us. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Tranunion refuses to investigation my dispute of wrong balances and/or dates of collection items. They gave me no proof that they even tried to investigate!!!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2009 my XXXX XXXX services account was paid in full. However, it is reporting late on my Transunion credit report and it has been removed from all other reporting agencies. The account was paid in full within XXXX days. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is an item on my Credit Bureau reports that is from Citicards showing a charge off. I have requested numerous times for an itemized breakdown of all charges and credits a copy of the application and who made the charges. Have never received a response. The account is now out of statutes. Texas statutes is 4 years the date of last payment is XX/XX/2011 I called citicards today and offered them a settlement and they refused any money for a settlement because the statutes had expired!!! they informed me that the listing on the credit bureau length of time is up to the Credit bureaus. I called XXXX and the told me 7 years. 
The problem is Citicards refuses to settle and I cant get the credit bureaus to remove until after 7 years. seems only right to me that if the statutes have expired and Citicards refuses to settle, the entry on my credit bureau reports should be removed -- please help. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citicards has been mailing me offers for XXXX bonus miles if I open a new credit card and spend {$3000.00} in first 3 months every 1-2 weeks for past few months. I finally applied for the card, was approved and spent over {$3000.00} in the time period specified. However they did not honor the bonus miles offer. I called and talked to an agent that told me I was n't eligible since I closed a Citicard 18 months ago. BUT if I am not eligible, why did they send offers to my house almost every week? 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear CFPB, ATTN : Wells Fargo Re-Ordering Transactions to Increase Over-The-Limit FeesI 'm still trying to get the fees reversed but regardless of outcome, I believe Wells Fargo should be investigated for " still '' illegally re-ordering transaction in order to manipulate limits to increase their over-the-limit fees and profits, despite loosing lawsuits pertaining to just this in the past -- in the order of magnitude, exceeding {$200.00} XXXX -- and furthermore despite agreeing in court to stop this exact practice. I had XXXX debit transactions go through the same day, XXXX of which " gas '' usually goes through first.. in almost every prior case, usually XXXX to XXXX days prior to the latter which for reference is my " car insurance ''. This day my account proved to be low in funds, being a few days behind in collecting my paycheck, and the largest transaction went through first and therefor my account was charged again in excess overdraft fees. It 's only {$100.00} in fees to be fair but it is so clearly a breach of the " Credit Card Act of 2009 '' and so I felt an obligation to call attention to it. 

Where the breach legally occurred : Credit Card Act of 2009, section 7. As follows : " ( 7 ) RESTRICTION ON FEES CHARGED FOR AN OVER-THE-LIMIT TRANSACTION. -- With respect to a credit card account under an open end consumer credit plan, an over-the-limit fee may be imposed only once during a billing cycle if the credit limit on the account is exceeded ... '' This was done twice. 

And Section 1 as follows : " no such fee shall be charged, unless the consumer has expressly elected to permit the creditor, with respect to such account, to complete transactions involving the extension of credit under such account in excess of the amount of credit authorized. '' I did not, and I opted out of their overdraft already. 

Furthermore, section 2 as follows : ' ( 2 ) DISCLOSURE BY CREDITOR. -- No election by a consumer under paragraph ( 1 ) shall take effect unless the consumer, before making such election, received a notice from the creditor of any over-the-limit fee in the form and manner ... '' Pertaining to re-ordering transactions, regulations section XXXX as follows : ' ( B ) [ Law shall ] prevent unfair or deceptive acts or practices in connection with the manipulation of credit limits designed to increase over-the-limit fees or other penalty fees. " Researching, I found also that a high ranking official of WF as another keynote, stated : " If multiple transactions come in at the same time, then Wells Fargo will process the lowest dollar amount first, said company spokeswoman XXXX XXXX. " Simply put and pretty obviously, they are following the money, not the law. 

Thank you, 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX claimed they had a parking ticket for XXXX of my trucks. I wrote letters to the collection agency that contacted me and the City of XXXX. I expressly told this collection agency NEVER to contact me again. The City of XXXX gave me a court date. The ticket could not be found in the system and they dismissed any so called tickets. 2 days later the collection agency sent me a letter claiming I need to pay the ticket. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have repeated asked the Debtor to provide proof ( by way of the original bill ) of this debt - both on my own and through your agency. The collection company has put this collection on my credit report without verifying to me that it is a debt. That was a ludicrous move because they were far likely to get paid ( if the bill is even legitimate ) had the only reported IF I did n't pay. Now, regardless of the outcome, what is the incentive - it is still on my credit. I read complaint after complaint about these people and there is no one that does anything about it. Shame on everyone involved. Putting this bill, without an proof, on a credit report for a alleged bill I owe back to 2009 is extortion. Shame!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 've been trying to get my free annual credit report from Trans Union for more than a month and still have not received it. I mailed in the form with recommended identification several weeks ago and made numerous attempts online without success. I have also complained directly on the Trans Union website during my last failed online attempt. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015 a credit card application for Kay jewelers was falsely submitted in my name XXXX XXXX. I found out about this from XXXX which is a Identity theft protection service on XXXX/XXXX/2015. I did not submit any application to Kay jewelers for a credit card but yet it was done by them. I spoke to a manager in the credit card issuing department and I was told that there was no recent applications on me to apply for a credit card. I then called XXXX and was told by them their was definitely a hard inquiry of my credit from sterling/ kay jewelers on XXXX/XXXX/2015. I would like someone to see why this happened and resolve this problem as well as having them take this false credit check of my credit report. I spoke with them about removing it as well and they proceeded to tell me they did not do the credit check. I XXXX XXXX give permission to pull my credit report for verification for this complaint, thank you 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: THIS ACCOUNT IS NOT MINE IT IS A RESULT FROM MY IDENTITY PREVIOUSLY BEING STOLEN ... I HAVE FILED A POLICE REPORT AS WELL AS ID THEFT AFFIDAVIT AND COMPLAINT FROM THE FTC REGARDING THIS MATTER. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My enrollment at the University XXXX was from XXXX XXXX through XXXX XXXX XXXX. 
Then I enrolled at XXXX University for fall XXXX. However, I once I graduated from the University XXXX XXXX I had a grace period of 6 months on my loans. 
XXXX Loan was opened XXXX XXXX, XXXX and one was a Subsidized Federal Stafford Loans in the amount of {$2100.00} and Unsubsidized Federal Stafford Loans in the amount of {$3000.00}. Direct Subsidized Loans, Direct Unsubsidized Loans, Subsidized Federal Stafford Loans, and Unsubsidized Federal Stafford Loans have a six-month grace period before payments are due. 
According to federal law : The grace period is a set period of time after you graduate, leave school, or drop below half-time enrollment before you must begin repayment on your loan. The grace period gives you time to get financially settled and to select your repayment plan. Not all federal student loans have a grace period. Note that for most loans, interest will accrue during your grace period. 
Direct Subsidized Loans, Direct Unsubsidized Loans, Subsidized Federal Stafford Loans, and Unsubsidized Federal Stafford Loans have a six-month grace period before payments are due. 
Graduate and professional student borrowers with Direct PLUS loans that were first disbursed on or after XXXX XXXX, XXXX receive an automatic deferment while in school and a 6-month deferment after they graduate, leave school, or drop below half-time enrollment, which is comparable to a grace period. 

Therefore, I was not liable to pay this account until XXXX XXXX. At this time I had received an in school deferment and I was enrolled at XXXX XXXX University. At this time, I ask that you remove the 60 day late payment immediately off of my account and credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: My enrollment at the University XXXX was from XXXX XXXX through XXXX XXXX XXXX. 
Then I enrolled at XXXX XXXX University for fall XXXX. However, I once I graduated from the University XXXX XXXX I had a grace period of 6 months on my loans. 
XXXX Loan was opened XXXX XXXX, XXXX and one was a Subsidized Federal Stafford Loans in the amount of {$2100.00} and Unsubsidized Federal Stafford Loans in the amount of {$3000.00}. Direct Subsidized Loans, Direct Unsubsidized Loans, Subsidized Federal Stafford Loans, and Unsubsidized Federal Stafford Loans have a six-month grace period before payments are due. 
According to federal law : The grace period is a set period of time after you graduate, leave school, or drop below half-time enrollment before you must begin repayment on your loan. The grace period gives you time to get financially settled and to select your repayment plan. Not all federal student loans have a grace period. Note that for most loans, interest will accrue during your grace period. 
Direct Subsidized Loans, Direct Unsubsidized Loans, Subsidized Federal Stafford Loans, and Unsubsidized Federal Stafford Loans have a six-month grace period before payments are due. 
Graduate and professional student borrowers with Direct PLUS loans that were first disbursed on or after XXXX XXXX, XXXX receive an automatic deferment while in school and a 6-month deferment after they graduate, leave school, or drop below half-time enrollment, which is comparable to a grace period. 

Therefore, I was not liable to pay this account until XXXX XXXX. At this time I had received an in school deferment and I was enrolled at XXXX XXXX University. At this time, I ask that you remove the 60 day late payment immediately off of my account and credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested Experian to revolve a tax lien from my credit report as it does not belong to me. The credit agency says that they verified the information is correct. That is absolutely not truethe lien is not mines and should be removed from my credit file. 

Company response: Company chooses not to provide a public response
Consumer complaint: Please consider the additional information set out below as amending existing File No. XXXX, or a new complaint. While Bank of America ( " BoA '' ) acknowledges that I have had a credit card issued by them since XXXX, the Bank has repeatedly reset the date of card issuance and in the process has reported false information to all credit rating agencies. These agencies have lowered my rating, because I allegedly do not have a credit line of 15 years or older. 
Most recently, BoA reset my credit line date to XXXX from XXXX, apparently because I added my wife to the account. See attachment. 
Whether by defective computer algorithm, or willful negligence, BoA has reset my credit card account date, despite no material change in my credit status and no change in the account number since XXXX. The company regularly and unilaterally changes account numbers when it discontinues a card type, or has to remedy a security breach. In my case the company reset to zero my length of credit simply, because I got married and added my wife to the account. Such a change should not affect the start date of the account, particularly since my account number has remained the same since XXXX. 
In a nutshell, BoA has a policy to reset account start dates that adversely impacts one 's credit rating without any cause. Certainly my risk does not increase when the company simply changes account numbers. Please note that the attached pdf file of credit cards for my wife and me have different dates. While my card should have XXXX as the start date of credit, it does acknowledge that the start date for this particular account was XXXX. Rather than apply the same start date for my wife, BoA uses XXXX and apparently reset my account start date to XXXX as well even though my card still shows XXXX as the start date. This practice makes no sense and has the uncessary and harmful effect of denying loyal customers an A credit rating for having lines of credit exceeding 15 years. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received an alert from XXXX XXXX that there was a " Hard Inquiry '' on my credit report. There was a hard inquiry on XX/XX/2015 and XX/XX/2015 from XXXX XXXX. I contacted them and stated that I did not apply for any credit, do not have any accounts ( past or current ) with XXXX, and did not authorize XXXX to pull my credit. I was told they could not find an account and to send an email through XXXXXXXXXXXX. This is not a valid link. I would like XXXX to remove the XXXX hard inquiries from my credit report and inform me as to why they pulled my credit report to ensure I am not a victim of ID theft. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter from Santander Bank ( XXXX PA ) on XXXX/XXXX/15 stating that I had a balance of XXXX. I mailed them a check for XXXX which they received on XXXX. I called to ask how I could pay off the remaining loan. They told me that over the one month period that had added an additional 10 % in late fees to loan and now the balance had grown by {$500.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX 2015 I realized that I might have problems paying Suntrust mortgage because the house was struck by lighting. I called and spoke to representative who transferred me several times and they completed a three way call with XXXX XXXX XXXX to provide a credit to cover the XXXX 2015 payment. A three way call with all parties stating they recorded and banking info provided to debit the account. XXXX XXXX XXXX agreed and said they would credit it and then receive the payment from me XX/XX/2015. Suntrust sold the loan to XXXX and never pulled the XX/XX/XXXX payment as agreed, Did n't apply the XX/XX/XXXX payment that I paid and submitted information to XXXX that my last payment was in XX/XX/XXXX with no insurance on the home even though it is attached to the mortgage. I only found out when XXXX sent me my first statement requesting proof of insurance that no payment had been paid to my account. When I called Suntrust they said they have no record of it even though my Bank account shows the opposite. XXXX XXXX XXXX has provided documentation twice to them. XXXX is now my primary mortgage company which a payment was made but my credit and late fees had taken a negative hit due to their negligence because they violated RESPA. XXXX said they have until XX/XX/XXXX to fix the situation which no current statements show any progress. Since they did not pay any payment I am now 2 months behind instead of current which will be currently eventually but not for a while. Suntrust has also refused to take any responsibility since they no longer own the loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: in 2000 I financed XXXX acres and a manufactured home @ 9+ % interest rate. I was informed that after 5 years i could refinance. My mortgage company has changed hands several times, selling my contract to an investment group. I have tried several times to refinance. The investment group will not let me refinance with XXXX. XXXXGreentree/Ditect I feel like the are keeping me from refinacing, my hands are tied!! Please HELP ME!!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Trans Union LLC failed to properly investigate and/or reinvestigate to my previous dispute letters, which I provided compelling and substantiated documentation and evidence of aggravated identity theft and fraudulent accounting in connection with XXXX adverse accounts identified in my credit files. Both accounts identified in these report are not mine due to aggravated identity theft and fraudulent accounting by Furnisher and/or XXXX-party ; to wit : XXXX FORMERLY XXXX and XXXX. See attached report with my comments annotated by each discrepancy. Bureau of Consumer Financial Protection Case No. : XXXX submitted on or about XXXX XXXX, 2015 is XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I had a water heater installed for {$850.00}. The plumber charged this amount with a hand held credit card processor to my Bank of America Visa. 

A couple of weeks later, I was online checking the activity on that credit card and saw the water heater entry was not on it. I called the plumber and he resent the charge thinking the first entry did not go through. When I received my credit card statement in the mail, the {$850.00} water heater charge was on it twice ; one transaction dated on XXXX XXXX, 2015 and posted XXXX XXXX, the second transaction dated XXXX XXXX, 2015 and posted XXXX XXXX, 2015. 

I called Bank of America and they said they would remove one of the {$850.00} charges. My next Visa statement showed a balance adjustment of {$850.00} made with the transaction date of XXXX XXXX, posted on XXXX XXXX, 2015. 

Since then the plumber has called me and said his bank never received the {$850.00}. He said his bank shows there were XXXX charges in the amount of {$850.00} each and that both charges were deducted by Bank of America. 

I called Bank of America and they told me they paid his bank. I asked for some type of documentation to give the plumber or his bank to show that Bank of America processed it correctly. They refused. They said they would provide that information only if the plumber takes legal action against me. 

The plumber is a self employed, small business owner and has not been paid for the water heater. To go to court could cost him as much as the water heater. 

I paid {$850.00} which I can prove, but that money can not be accounted for. Someone has my money. I am asking for Bank of America to provide proof that they sent {$850.00} to the correct party at the correct bank. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are XXXX student loans and an account with XXXX and XXXX that have been disputed with the bureaus and the information varies on all three bureaus. The late payment months are different amounts etc., I then requested information directly from the companies and they have not responded at all. The address that were used for these letters were those listed on the credit report. It has been over two months and there is still no response. If the creditors are not responding to me the person that is suppose to be responsible then they would not reply to a true investigation from the XXXX bureaus. 

Company response: Company chooses not to provide a public response
Consumer complaint: Earlier this month ( XX/XX/XXXX ) I contacted the consumer financial bureau regarding false reporting by drive time to credit bureaus. I stated that I voluntary repoed my vehicle XX/XX/XXXX. I also stated that the company consistently falsely reported this information on certain months. I have not had an account with drive time since XX/XX/XXXX and just this month they just reported a repossession XX/XX/XXXX. this is a violation of federal law as well as the fair credit reporting act. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a loan from XXXX Savings from XX/XX/XXXX until XX/XX/XXXX and when I paid it off it was removed from my credit report. I had a long credit history and now it only shows credit for 3 years instead of 13 year. I have contacted XXXX Savings and they have given me a letter that shows it should be on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I used my credit card ( Barclay Card ) to paid XXXX to buy Spirit XXXX and also I was paid extra XXXX for shipping insurance for cover any damage to my shipping. 
After I received shipping XXXX of XXXX bottle was damage I was dispute to my credit to refund or credit back, after I was sent letter indicated to my credit card and also seller I can not allow to sent spirit across state I will lost because I do n't have license to ship back XXXX ( after I checked with XXXX and XXXX and XXXX XXXX will confiscate ). My credit card was closing my case and also run report to the various credit agencies because my dispute XXXX Barclay card had insurance cover for 90 days for anything if I not satisfy ). I was repeat to ask XXXX to pick up or sent label for me to return but I never get response During dispute I can not get charge or financial on my credit but Barclay Card was charge ( It is again a law and report account information to consumer reporting agencies ). 

Company response: Company chooses not to provide a public response