AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have account from XXXX XXXX XXXX listed on my account, which states opened XX/XX/XXXX and now it shows opened XX/XX/XXXX for amount XXXX and it has been more then 10 years and this item is old to be removed. I do not have a vehicle financed with XXXX XXXX XXXX. This item was previously removed off my credit history. This needs to be removed ASAP! 

Company response: Company chooses not to provide a public response
Consumer complaint: I WAS TRYING TO LOOK AT MY XXXX AND EXPERIAN CREDIT REPORTS BUT THE QUESTIONS IT WAS ASKING TO CONFIRM I AM XXXX XXXX I ANSWERED THE QUESTIONS CORRECT BUT IT SAID I WAS INCORRECT SO SOME INFORMATION IS WRONG ON MY REPORT BECAUSE I DONT HAVE A CHECKING ACCOUNT I NEVER HAD A MORGAGE LOAN. ALSO MY PREVIOUS STREET ADDRESS I LIVED ON IS XXXX AND MY CURRENT STREET NAME IS XXXX AND I DIDNT SEE ANY STREET NAMES ON MY REPORT THAT HAD XXXX OR XXXX. I HAVE NOTICED INCORRECT INFORMATION BEFORE AND I THOUGHT THIS WAS ALL FIXED ALREADY SO IF YOU CAN PLEASE LOOK IN TO THIS I WOULD APPRECIATE IT THANK YOU 

Company response: Company chooses not to provide a public response
Consumer complaint: The address under Experian on my XXXX credit report has been reported as a new address which is incorrect Experian has also filed a Collections for {$6700.00} under a company called : XXXX XXXX XXXX, whose telephone # is:XXXX. This collections was deleted from my report when a company called : XXXX XXXX agency was filing for collections on the same debt that the apartment that I was forced to leave because someone tried to break into my bedroom window while I was in the bedroom. I rented the apartment with my daughter. The apartment security gates were always broken leaving the complex available to all kinds of undesireables free access. I filed a police report, # : XXXX. Now this different Collections agency as named above is trying to collect through Experian We also felt really insecure in the apartment, and were afraid for our lives! 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, I have disputed an account with Experian to validate the accuracy, In return they sent me a letter stating they have validated the information, I sent a letter to XXXX XXXX via Certified mail requesting validation which no response was ever sent back. I contacted Experian again via mail and they refuse to investigate the account stating they have already validated. I have made multiple attempts to contact XXXX with no response. I have attached the following communication between Experian and XXXX as proof. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an homeowner 's insurance claim around XXXX/XXXX/2013. The insurance company paid out on the claim totaling approximately {$25000.00}. A check was made out to myself and Plaza Home Mortgage. The servicer is claiming they have a right to keep half of this amount in a so-called restricted escrow account. PHM is stating I must complete repairs and have the affected area inspected by one of their representatives, however I can not rebuild the damage deck as I would have to come up with roughly {$5000.00} in the gap between the pay-out and the actual cost to rebuild : about {$30000.00}. The deck in question is n't attached to the home and was originally deemed with no value by the appraisal done at the time of the purchase of the home. I have offered to allow them to dictate where else these funds could be spent on some critical deferred maintenance areas e.g. window, energy upgrades and they have flatly refised to budge. So, funds sit with this company while the home/investor 's collateral deteriorates. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On my XXXX County XXXX record report there is incorrect information on there that does not belong to me and its rendering me from getting employment. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm trying to get a loan modification or payment relief to avoid foreclosure my sale date is XXXX XXXX, 2015. The lender is telling me that there is no sale date and to turn in the missing paperwork I 'm been missing .I was told by them I was going to receive a email with all the missing items never did. Then the lender is telling me verbally what items I 'm missing. I will be done with uploading the items I 'm missing by tomorrow. Then I receive a letter from XXXX XXXX XXXX a letter of Trustee Sale for XXXX XXXX, 2015. So I feel that there just not trying to help and they want to loose my Home since I have about {$100000.00} in equity. 

Company response: Company chooses not to provide a public response
Consumer complaint: I continue to be charged {$25.00} monthly from citibank. I call every single month and I 'm told the same story about how the charge is being reversed. I have spend over 4 hours on the phone ( not include the times my husband has called ). We want my money back! I did not sign up for an account that would charge me a monthly fee and I am continuously told they have downgraded my account and we will not be charged. When I call or go online I see the charge once again, month after month. This is a deceptive practice and I bet XXXX people are being charged and not realizing it. I do plan on leaving citi, however my mortgage is also with them so it is more difficult to switch banks. Please help! 

Company response: Company chooses not to provide a public response
Consumer complaint: On approximately XXXX XXXX, Wells Fargo and I ( the homeowner ) negotiated a mortgage release aka Deed in Lieu. They assured me that it would not reflect as a foreclosure because the foreclosure was never started, when I checked my credit report the loan is reported as a " Foreclosure '' and still day to this day almost 3 months later. During the months leading up to the agreement I had the home for sale. I received an offer of {$240000.00} but Wells Fargo turned it down even though my balance was only {$220000.00}. So when that happened and then Wells Fargo tricking me in to signing the house over to them they immediately put the home up for sale for {$270000.00} and pretty much stated that if the house sells for {$270000.00} I would get nothing and like it. How can they continue to do this to consumers. They lied to me when they said it was not a foreclosure but that it was a mortgage release program to avoid a costly and embarrassing foreclosure. So I reluctantly agreed. Please help me get that foreclosure off my credit report and find out why Wells Fargo turned down the purchase offer of {$240000.00}!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX I hit a financial hardship, I, applied for what I thought was a small business loan..the agents name XXXX XXXX ... told to log into online banking..they would take it from there..2checks were counterfeit ... risk management without warning invaded my privacy and closed all XXXXaccounts XXXX we 're not affected by the ID Theft but have done nothing to apprehend XXXX XXXX.they threw me under the bus .now they refuse to remove me from early warning when no fraud as been committed ... 

Company response: Company chooses not to provide a public response
Consumer complaint: it in XXXX 2015, 15 years later. XXXX XXXX said they did n't and they did n't have too. They have no documents and said i could n't dispute it. It was never sent to collections nothing. I do n't think i owe a debt. Then they moved {$870.00}. If they made mistakes then and now why am i fighting and losing the battle. I think i shpuld have been notified instead of them just seeing that i had a credit and decide to take money. Where is the due process here? Why did n't it go to collections? Why am I being told i ca n't dispute it? What 's the statute of limitations? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: First I must apologize for submitting a dispute for the wrong credit reporting agency. My problem is having XXXX or XXXX hard copy reports for the purchase of a car. One company submitted a request thee times for my credit report for the car. Is this wrong? 

Company response: Company chooses not to provide a public response
Consumer complaint: Debt collector, National Credit Management has been calling me multiple times a week when I asked for them not to call me. They have also called my boyfriend while he was at work when I asked them to remove his phone number. I found out today they called my parents cell phone. They are harassing me and now they are harassing my family. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I took out a 60 month car loan in XXXX from California XXXX XXXX. In XXXX I had to return the car and it was charged off in XXXX. I contacted the legal department at XXXX XXXX and they said they have not been in communication with TransUnion. TransUnion has active dates on this account from XXXX thru XXXX. It 's been almost twelve years since the account was charged off but TransUnion is continuing to keep this bad mark on my credit report until XXXX. When reviewing the dates and knowing there is a 7 year maximum on bad credit marks on a report, none of this makes any sense. XXXX do not have this negative information on their reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have spoke with the collection agency and they have acknowledged my concern and have requested information to have the dispute resolved. Unfortunately, after sending them the required information I have yet to have this information resolved. it has been 3 months now and I have not received any contact, and when I contact them now they refer me to a answering machine. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My checking account was charged multiple overdraft fees even though I never spent more than the available balance in my account. 

I never authorized Wells Fargo to overdraft my account. If the money was not available, my card should have been declined. 

Wells Fargo misrepresented the available balance in my account which caused me to spend money that should not have been there. They overstated my account balance which was a mistake or an intentional misrepresentation. 

When I attempted to spend the money that was showing up as available my card was never declined which leads me to believe that I was tricked into overdrafting my account so that the bank could collect overdraft fees. 

I have XXXX and do n't track my spending very well. I do n't write checks anymore so that I wo n't bounce them. I set my card up so that it would be declined if I do n't have money. these XXXX things keep me from overdrafting my account. I know that Wells Fargo is aware of my proclivity to overspend based on my credit history, and they took advantage of that. 

One Night my available balance was {$20.00} and the next day I got an email that my account was charged an overdraft fee. I had n't spent any money since the last time I checked my account balance, so I knew it should have been {$20.00} balance, but my balancev was negative {$210.00}. It 's got even worse after fees were added. When my direct deposit posted it brought my balance up to negative {$61.00}. I have {$1.00} in cash right now. I have no idea how I will have food or transportation to work for the next week and a half. 

Company response: Company chooses not to provide a public response
Consumer complaint: This XXXX account does not belong to me. This account belong to my ex partner, this was a business loan that he opened, I was the owner of the company, however, I never personally sign a guarantee for this account. All of the sudden, after he defaulted, this account appeared on my credit report. In the past, Experian removed the account, but it was then reported on the report without prior notice. According to the FCRA, FACTA, they were supposed to send me a 5 day notice reinserting the account, however that was never sent. As I was in the process of purchasing my home, this account appeared again, and I was declined for the home loan. This account has cost me suffer, and a lot of money, knowing that it is not mine. In addition to that, section 623 of the FCRA requires the CRAs and furnisher, to reporting accurate information, this account is definitely not accurate, the dates dont match up, and the balance is also incorrect. I dont know what else to do, please help me remove this account from my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: this is the first time ive ever received my background check and i have never broken the law the misdemeanor in XXXX XXXX, Ia was done by someone who gave the police my information i know who it is because shes my sister she told me she had gotten it fixed 8 years ago but obviously from my background check she has n't i have contacted her and she has been willing to help with getting this corrected. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Transunion credit reporting agency is reporting addresses that have never belonged to me or I never resided at. The only address I have stayed is is my permanent address of XXXX XXXX XXXX XXXX TX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a XXXX Debt that is not mine i had to file an identity Theft claim with all Credit Bureaus and the IRS. I do n't understand especially when i have a XXXX account in good standing right now. Before this i had XXXX XXXX XXXX and i had paid that off already. I would like to dispute this Debt and have it removed from my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a credit card with XXXX XXXX XXXX, which provides a maximum credit limit of {$800.00}. Previously, I owned over {$790.00} on the credit card ; however, I have paid it down, and it is/and has carried a balance of {$280.00}. XXXX XXXX XXXX has not updated my credit reports to reflect an accurate credit card utilization. My credit card utilization is listed above XXXX %, which it should be much lower. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received an alert indicating that there was a collection amount on my credit report. Since I did not receive a notification, I did not get a chance to verify or refute the information submitted to the credit bureaus. 
I contacted the original creditor ( hospital ) to verify and get the issue resolved, but Arcadia will not remove the information. 
The information being reported has negatively impacting my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: I currently hold a credit card with XXXX XXXX XXXX, which offers a maximum available credit balance of {$800.00}. Previously, I held a debt with this card of over {$790.00} ; however, I have paid the credit card down to {$280.00} a while ago. Thus, XXXX XXXX XXXX has not reported this correct balance on my credit reports, which reflects my credit card utilization ratio. 

Company response: Company chooses not to provide a public response
Consumer complaint: Today, XXXX XXXX, 2015, an employee of Regions Bank located at XXXX XXXX XXXX, XXXX, TN XXXX, released personal information, to an unauthorized individual. The individual, a friend of my mother, was doing some personal banking for her. The bank manager looked up my personal account and informed him of my account balance. The individual then notified me, by phone, of this incident. 

Company response: Company chooses not to provide a public response
Consumer complaint: This past year I noticed a " XXXX unpaid principal balance of XXXX '' on my monthly statement. This XXXX unpaid principal just showed with no explanation. My mortgage is with Wells Fargo Home Mortgage and it is too high for my income. My monthly payment including escrow of XXXX is {$2700.00}. My mortgage payments are adjusted each year as a result of a modification from XXXX. In XXXX of XXXX my total payment increased from {$2400.00} to {$2700.00}. Last year, just before the increase I inquired about having my interest lowered, it is currently XXXX %, I was immediatly told " no ''. I began making my payments late and the harrassing telephone calls from Wells Fargo employees began. They called at XXXX, XXXX, and night on the same day even though I spoke to someone and let them know when I would make the payment. I retired in XXXX of XXXX. I XXXX, from XXXX until XXXX, XXXX did not get a raise from XXXX until XXXX. My income tax statements reveal the decline in income. I spent most of my savings on dental bills between XXXX and XXXX. I love my home and living in XXXX but I am moving to the XXXX XXXX where my family is located and the cost of living is lower than it is here in XXXX XXXX. Each XXXX the interest increased, my total current payment including {$290.00} escrow ( for ins & tax ). Currently my interest rate is 5 % until XXXX XXXX, XXXX, it will go as high as 7 %. The " XXXX Principal Balance '' is currently over {$12000.00}, because late fees of over {$100.00}. are added each month. When I inquired the unpaid XXXX Principal Balance Account I told was it was added because I was late on my payment. I did not realize I had that agreement and everytime I request a copy of the agreement, I am sent a paragraph with my signature. I have no idea what type of document this paragraph is from. I did see where the Special Forbearance Agreement from XXXX XXXX included a similar statement but the forbearance was a temporary lasting just a short time, I never had a XXXX. I was told that I have to pay this XXXX because I am late on my payments. I would like the XXXX removed. Finally, I have a buyer for my house, it is in escrow and should close on XXXX/XXXX/XXXX. Please look into this matter I understand that I have late fees but I do not agree with the second. I was advised to use this web site to file a complaint.. 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit card issued by FIA Card Services for Fidelity Investments failed to uphold XXXX protection warranty against incorrect and fraudulent charges. In XXXX of 2015 a company XXXX XXXX with whom I was doing business opened a second account without my knowledge or authorization and begin sending me XXXX shipments of their products. When discovered, a call to cancel the second account was not honored by XXXX XXXX. Upon receiving yet another shipment under this mix-up I called a second time to cancel the account on XXXX/XXXX/2015. The XXXX XXXX representative gave me such a hassle in this request refusing over and over to accept a return, I decided to completely sever my ties with the company and cancelled my other account as well. Stating I should n't have to pay to return a product I did n't order, XXXX XXXX agreed to send me a return shipping label but stated it would take them up to four weeks to do so. I immediately called the Fidelity Investments card to dispute the charge. They informed me I could n't do so without returning the merchandise. Upon exampling how I 'm damaged if I have to pay to return something I did n't order, the FIA Card Services representative said wait a day and I could then dispute the charge. Instead, I notified FIA Card Services and stated I would wait the full four weeks XXXX XXXX stated it would take them to provide a return shipping label. I called FIA Card Services approximately three weeks later to notify them I was still waiting for a return label. After the four weeks had passed and no shipping label had been provided, I called FIA Card Servcies again at which time FIA Card Services informed me they decided in my favor and informed me I could dispose of the product or do whatever I wish with it. Several weeks later I then received a letter from FIA Card Services saying they opposite saying they needed proof I had returned the product. I explained to them how I had not received a label, how I had to call twice to cancel the account which I never even authorized being opened, and they themselves [ FIA Card Services ] had told me to dispose of the product because the case had been resolved. They stated the merchant claimed I received the product because I cancelled after I received the product. However this was after the second time I called to cancel and they also failed to provide a return shipping label as promised. I then stated if the merchant provides a list of the items theyshipped and return label I will return what I can. FIA Card Services response was to send me a letter dated XXXX/XXXX/2015 that the cased was closed in favor of XXXX XXXX unless I could provide proof I had returned the merchandise. The bottom line here is simple, I nor anyone else should have to pay money to resolve an issue that was the fault of someone else. I did n't order this product, I did n't authorize the account being opened, I had to call twice to close the account, and I offered twice to return the product [ second time as best as possible anyway ] yet somehow FIA Card Services feels I 'm the one who should be damaged. 

Company response: Company chooses not to provide a public response
Consumer complaint: Will not reinvestigate XXXX. The XXXX is wrong and it should 've fell off my report already. Did not investigate XXXX XXXX fully. And I did not authorize that dealership to run my credit at all. 

Company response: Company chooses not to provide a public response
Consumer complaint: the incorrect information on my credit report was not mine it was identity theft as a join account my husband and I. we had previously to the law enforcement. please review the report and correct all negative information they not mine. okay thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a letter that I faxed to XXXX XXXX 10 days ago and I received no answer. 
Dear Sir, Madam, I got your fax number from a nice lady that I talked to when I contacted XXXX. 
My name is XXXX XXXX XXXX and I have a XXXX credit card, that I use very rarely. ( acct. number : XXXX ) However, I used it a few months ago and went for a vacation to XXXX to take care of my sick mother and later I went for vacation with my kids. Therefore what happened to me is really my fault, but I would like to ask you for reconsideration of my case. 
I did not pay my bill for 2 months. The balance was about {$80.00}. 
Being on vacation, I missed your statements ( in the pile of my mail it was n't difficult, and also, I pay all my bills electronically, so I might have missed a paper statement ) My balance came to my attention after an agent from your bank ( XXXX XXXX ) called me ( XX/XX/XXXX or XX/XX/XXXX, ca n't recall exactly when ). I paid my balance promptly over the phone. 
Last week I got my credit score to my bank and I noticed, that it went XXXX points down, from excellent, to barely good. I know, that this is going to be on my record for 7 years. 
I would like to bring to your attention, that I 've been working on my credit history for all my life ( I am XXXX years old, divorced mother of XXXX ), successfully paid for my college, mortgage, various car loans, credit cards, all my household and phone bills and I almost never missed payments. My loans were often very high and I managed to stay in the excellent credit range. 
I would like you to reconsider your decision to report my mistake ( of not paying {$80.00} ) to credit bureau and essentially wiping out years of my excellent financial standing for under {$100.00}, 2 cycle missed payments, that was promptly paid after the phone call. 
Please let me know if there is anything you can do about my case and please advise what should be my next steps if there is nothing that you can do at your end. I would like to avoid the consumer agency complaint. 
Thank you so much, Best regards, 

Company response: Company chooses not to provide a public response