AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: The credit bureaus are reporting a judgement that was included in bankruptcy and therefore I am being dinged twice for the same item. Once because of bankruptcy and XXXX for the judgement that was included. Also my length of credit is not reported correctly and trabsunion will not give me a credit report because they say I already had a free one in the past year which is not true 

Company response: Company chooses not to provide a public response
Consumer complaint: They call every day sometimes multiple times. I have sent written notification to US Bank not to call. This company refuses to even provide me information on who they are or how to send them written notice to stop calling. I have medical issues that these calls cause XXXX. I have asked them to stop calling and to please just file a lawsuit. They refuse. This latest call they claimed to be US Bank. Come to find out, they are n't US Bank, they are a third party collection agency violating the collection laws. They have sent no communication through the mail identifying themselves. They refuse to give any information as to who they are and flat out refused to give me an address so that I could put them on notice in writing not to call any more. This has gone beyond collections into harrassment just for the fun of it. 

Company response: Company chooses not to provide a public response
Consumer complaint: Even we create an online profile, it asks for verification/confirmation before it really creates profile. This is a case of money transfer. One button click, you are in TROUBLE. This is what happened with meI needed to redo my website design so put an advertisement on XXXX. I was contacted by a person " XXXX XXXX '' from a " XXXX '', " XXXX ''. When I asked his PayPal account for payment, he gave me as " XXXXXXXXXXXX ''. 
When I try to pay him by PayPal, It asks me email address and Amount. When I click next button, I see confirmation by Name " XXXX XXXX ''. Oops did I do a mistake. When I realized it is big mistake ..., I am in real trouble. 
PayPal did not alert/confirm me, the person I am sending money is the real person. No alert/no confirmation message/consequence, nothing. 

On confirmation message, it says if you want to cancel, you can do with in XXXX minutes but I do n't see any option to cancel the transaction. Called customer service with in XXXX minutes of my transaction, they say money is gone to receiver 's account. You could file a claim for refund, if receiver return then we will return money back to you. 
Otherwise if receiver verifies that he is " XXXX XXXX '' and deserve the money, PayPal will not take any action. My concern not with " XXXX XXXX '' or " XXXX XXXX ''. In this internet age, it is hard to verify a fraud. At least as a customer, I should have alerted before transaction made. I would rather should be alerted whatever PayPal customer service says the consequence. 
People can do a typing mistake simply a wrong email. One button click, you are in TROUBLE. Why not PayPal do simply says a confirmation message .... 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was sent an unsolicited credit card from XXXX XXXX XXXX XX/XX/XXXX. Shortly after, I was laid off from my job due to the economy and was unable to find a job for over a year so I used the card for gas & food during that time. I soon fell behind in the payments and most of the card debt was late payments and penalties. Unfortunately I had moved and I forgot about it when I started working again. CACH LLC bought the debt years later and sued me. I tried to explain my circumstances, that I was in school and did not make very much money and that I owned nothing. I 'm still driving the XXXX Impala that mother bought me when I was in high school. They refused to listen and threatened & intimidated me into signing an agreement to pay {$75.00} a month which I knew I could n't afford, but I had never had any dealings with the law so I was scared and thought I had to sign it. When I could n't pay it, they sued me. I know I have to pay it and I have been sending them {$25.00} a month but I lost my lease and had to move so I was unemployed again in XX/XX/XXXX XXXX. I worked odd, temporary jobs during that time and finally found another full time job in XX/XX/XXXX XXXX but I only make {$11.00} an hour and have been struggling to survive and catch up on my rent since then,. But I started paying the {$25.00} a month again then. But in XX/XX/XXXX, CACH froze my bank account and took my last {$190.00} out which meant I had no money for food and gas for over a week. When I read up on Florida Garnishment Rules, I saw that they are not supposed to be able to garnish a person 's salary if they make below a certain level and that includes their bank account if it can be proved that the money was income. The only money going into my bank account was my salary. I have tried to talk to them several times and even had my mother call them because I 'm not very informed about these matters, but they only say they are trying to collect a debt for their customer and wo n't agree to a lessor payment. It is not for a lot of money, only about {$2500.00} but I do n't have it and neither does my mother. She lost our house to XXXX XXXX XXXX in XX/XX/XXXX and we have both been trying to recover since then. We ca n't even afford a lawyer to fight them and feel like we are victims of the law and have no recourse against this unscrupulous company. We will pay the debt but we need time. I have told them that as soon as I can pay more I will increase the amount. But I need enough money for rent, food and gas so i can work and i do n't make much more than that. I would like to pay it in full now but there is no way i can do so. ( My Mother is writing this for me as I 'm not knowledgeable about these things ). 

Company response: Company chooses not to provide a public response
Consumer complaint: I was sent an unsolicited credit card from Bank of America XX/XX/XXXX. Shortly after, I was laid off from my job due to the economy and was unable to find a job for over a year so I used the card for gas & food during that time. I soon fell behind in the payments and most of the card debt was late payments and penalties. Unfortunately I had moved and I forgot about it when I started working again. XXXX XXXX bought the debt years later and sued me. I tried to explain my circumstances, that I was in school and did not make very much money and that I owned nothing. I 'm still driving the XXXX Impala that mother bought me when I was in high school. They refused to listen and threatened & intimidated me into signing an agreement to pay {$75.00} a month which I knew I could n't afford, but I had never had any dealings with the law so I was scared and thought I had to sign it. When I could n't pay it, they sued me. I know I have to pay it and I have been sending them {$25.00} a month but I lost my lease and had to move so I was unemployed again XX/XX/XXXX. I worked odd, temporary jobs during that time and finally found another full time job XX/XX/XXXX but I only make {$11.00} an hour and have been struggling to survive and catch up on my rent since then,. But I started paying the {$25.00} a month again then. But XX/XX/XXXX, XXXX froze my bank account and took my last {$190.00} out which meant I had no money for food and gas for over a week. When I read up on Florida Garnishment Rules, I saw that they are not supposed to be able to garnish a person 's salary if they make below a certain level and that includes their bank account if it can be proved that the money was income. The only money going into my bank account was my salary. I have tried to talk to them several times and even had my mother call them because I 'm not very informed about these matters, but they only say they are trying to collect a debt for their customer and wo n't agree to a lessor payment. It is not for a lot of money, only about {$2500.00} but I do n't have it and neither does my mother. She lost our house to Bank of America XX/XX/XXXX and we have both been trying to recover since then. We ca n't even afford a lawyer to fight them and feel like we are victims of the law and have no recourse against this unscrupulous company. We will pay the debt but we need time. I have told them that as soon as I can pay more I will increase the amount. But I need enough money for rent, food and gas so i can work and i do n't make much more than that. I would like to pay it in full now but there is no way i can do so. ( My Mother is writing this for me as I 'm not knowledgeable about these things ). 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a victim of Predatory lending. I was given a pick-a-payment loan in 2006 and Wells Fargo said that they could only help me modify if the loan was in default and advised me to stop making payments and then they would modify the loan. They said they were participating in the Help for Homeowners program. They also said because of my age and the fact that I was an unmarried single woman that women are considered a high risk. I eventually went into foreclosure because they would not work with me and now I am in Bankruptcy court. We filed a modification and had XXXX meditations. In the first mediation on their Good Faith estimate they using to try to show I did n't qualify, they had a XXXX forced place home owners insurance on the document and also the wrong amount for my salary. They told me and my attorney to submit proof of new insurance and more pay-stubs which they already had. I sent them my new Homeowners policy for XXXX and more pay-stubs the next day. In the next mediation they said they would need a letter of explanation regarding my bonuses I receive from my job and I submitted that the same day. In both mediation they said once we produce the documents and letters that my figures were good and I would have no problems qualifying and getting approved. Then we got a denial. So now we are starting the process all over again. Houses ' are going up in my area and I believe they are using stalling tactics, so they can get more money or try and kick me out. They are refusing to work with me even though I qualify. I also have requested all documentation such as the Appraisal of the property and the original Good Faith Estimate with their fraudulent figures in it. And any and all documentation they used to prove to me why they denied me. They have yet to produce any of their documentation. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear sir/madam, as I was going through my credit report on XXXX, XXXX and Transunion, I noticed a negative report on my credit. The negative report was from a Company called XXXX. First I have never had any account with XXXX .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. I DO N'T EVEN KNOW WHAT KIND OF BUSSINESS THEY OFFERI am requesting that XXXX or any of their affiliates should remove such negative statement from my credit reportI ATTACHED A COPY OF MY UTILITY BILL AS A PROOF 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear sir/madam, as I was going through my credit report on Experian, XXXX and XXXX, I noticed a negative report on my credit. The negative report was from a Company called XXXX. First I have never had any account with XXXX .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. I DO N'T EVEN KNOW WHAT KIND OF BUSSINESS THEY OFFERI am requesting that XXXX or any of their affiliates should remove such negative statement from my credit reportI ATTACHED A COPY OF MY UTILITY BILL AS A PROOF 

Company response: Company chooses not to provide a public response
Consumer complaint: my medical insurance co. owes them and decided not to for cost was to high for a XXXX mile ride. XXXX owes this not me that 's why I pay XXXX insurance companies 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I saw this doctor in regards to a lawsuit I have, from getting hit on XXXX with XXXX metal bed frames. I have called and explained I ca n't pay due to lawsuit but once my case is settled, he will be paid. It needs to be removed. i have a lawyer working on my case. 
Thank you! 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: i recently recieve my free annual report from the credit bureu, and didnt recieve any notice from the original collector that. sold my debt to another new collection agency.and the new collection agency never notify me about reageing/restarted a old debt.that i thought will be remove from my credit in XX/XX/2016. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have several accounts that are listed with this bureau that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed and the bureau refused to remove the items with the information I have given them 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX tax liens on my personal public records that should not be there. Me and my father share the same name and I know they should be on his public records and not mine. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a few accounts that it was n't even me. On XXXX account and XXXX, my phones were stolen and i was locked up in prison at that time. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a student loan with Wells Fargo. I tried to set up automatic payments greater than the required monthly amount and was told that Wells Fargo does not offer that option. I was advised that I should set up an automatic payment from my bank account and the additional payments would be applied to principal ( as I believe they should be ). The first automatic bill pay from my checking account was made to my student loan with Wells Fargo on XXXX XXXX, 2015 for {$50.00} and the full amount was applied to interest. On the surface to me, this seems like an unfair and deceptive practice on behalf of Wells Fargo. Additionally, the Wells Fargo student loan website ( https : //www.wellsfargo.com/help/faqs/student-loans ) notes customer serivce times of M-F as well as Saturday, but when you call on Saturday you are told to call back during regular business hours between M-F. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am writing to dispute the accounts referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX and XXXX XXXX XXXX myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests for them to Validate my debts, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given any evidence of my obligation to pay this debt to these collection company 's listed above in this letter. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a credit limit of {$3000.00} on a Barclay Visa card. I co-signed on an auto rental with a temp subcontractor for a one-week term. After 2 weeks I received a call from the auto rental reminding me the auto was due in. The person that had the auto assured me that after the first week, he would return. I could not make contact and when I received call from rental agency at end of week three, I suggested that it should be reported as stolen as I could make no contact. That was in XXXX 2015. With no charges from the auto rental until XXXX XXXX, there were XXXX charges added to my card which put me over the credit limit, imposed by the issuer, a XXXX dollars. I called Barclay 's help line and was told the credit limit was not enforceable. Then I requested that a hold be put on my account, thinking that would prevent any more charges. Then on XXXX XXXX, there were XXXX other charges from the auto rental for some {$3200.00} which then exceeded the credit limit by some $ 4,000+. I was more than shocked and called their help line and was told that a hold would only stop the card working if it was swiped, but would not stop other charges coming thru their system. I then cancelled the card. I sent a fax and XXXX letter to Barclaycard to file a dispute on XXXX XXXX. On XXXX XXXX I was sent a letter in response that indicated they could not further pursue because they tried to call me twice on XXXX XXXX. There is no record on my cell phone of any call attempts from them. The letter was generic with NO NAME or contact number or email other than their Service Center # that could do nothing to assist me. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, USAA illegally closed all three of my credit card account with balance on them. They have never been late and always paid on time. They say it was my unacceptable behavior or activity with none of this occurred. Now my credit score is low because of this problem. I never had problem with the bank.Credit score damageCard cancellations can impact your credit score 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My loan originated with XXXX, it 's a VA loan. Never was I told that this loan, which is a fixed rate loan, could be arbitrarily changed to increase my payments. I agreed to {$1000.00} per month because that 's what I CAN AFFORD! I never agreed or was told that it could change at the hands and will of XXXX or Wells Fargo who bought the loan off XXXX. Wells Fargo has illegally changed the scope of my contract by increasing, mishandling payments and taking payments from my account that were not authorized. I am now paying $ XXXX per month despite having made extra payments on top of the automated payments over the past year. I got my mortgage in XXXX 2014, in the little over a year Wells Fargo has taken advantage of, increased payments and changed the loan agreement without my permission or knowledge. This was never something anyone told me they could do ... I have made several complaints and know demand the account be audited by an outside organization that caters to veterans. Am again fed up with this and feel even the CFPB does little to help. If this does not get sorted and my mortgage back to the original monthly amount I will file a complaint with Veterans Affairs, contact my Congressman and Senators until it is resolved to my satisfaction. 

Company response: Company chooses not to provide a public response
Consumer complaint: Pursuant to the last letter received from the credit bureau, they have failed to furnish the information used to ascertain the method used to report the account in question ( The Right to Report ). I have sent letters certified mail, and have received notification of their ( CRA ) receipt of disputes. I have received nothing but stall tactics, and accusation of frivolous disputes. Yet, my requests have not been honored which is my right under sections XXXX & XXXX. If in fact a bankruptcy has been dismissed, Is n't it unfair that such bankruptcy should be held against a consumer when the consumer did not go through with the bankruptcy? It automatically becomes public record when you file, I understand this. Why though, when the smoke has blown over and the bankruptcy is dismissed for non payment, change of heart, etc ... is the bankruptcy to remain public record? Its insane, and it hurts the general public to be able to exercise their right to in fact change their mind about such a big change to their lives if thats what they choose to do! This bankruptcy has kept me from obtaining credit, and has hurt me in many areas of my well being. It 's down right embarrassing, and unfair that it is held on reports and it is n't completely legitimate because it was dismissed. Section XXXX & XXXX grants me, the consumer the right to know what, and who is reporting on my credit, as well as names of people associated with investigations and the method of verification used to report this information. They have not complied, and I want to sue for willful non-compliance. Seeking all damages possible. I have attached letters i have sent to each Bureau. I however have not attached their responses or receipts of my sending letters certified mail as i do not have the ability at this time to scan and copy these documents to my computer.. But I do have them and will get it done when needed and expeditiously as possible. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was looking at my credit report and I found there is an attempt to collect a debt from me by Focus Account Receivables which I do not owe. The original creditor was listed as XXXX XXXX XXXX on the credit report. I had service with them 5 years ago, and account is closed. XXXX XXXX also does n't provide service in the area I currently live in for the past 5 years, and I also called XXXX XXXX and they do n't have any record of my name or phone number in their system or anything I owe for that matter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had my identity stolen. I had fraud alerts put on my credit with the XXXX credit bureaus. Blue Chip financial was going to approve a fraudulent loan, ignoring the fraud alerts. I found out through XXXX about the new loan and contacted Blue Chip to have it closed and have it erased from my credit report which is not happened. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I receive calls for a XXXX XXXX or XXXX XXXX on phone number I have had since 1970 's. I do not know and have never known anybody by this name. I have contacted XXXX of the debt collectors and requested they remove me from their contact list. This works for a few months, then they are calling again. No notifications come to my address from these collectors, nor does this appear to be identity theft. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: To whom it may concern : I am writing to correct/update my address. My current address is:XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX , CA XXXX also needed to correct/update my place of employment : XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX , in XXXX , CA. 

Company response: Company chooses not to provide a public response