AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have filed a dispute twice with Experian advising them that information reported by XXXX XXXX is not correct and should be removed. This is common sense. In XXXX XXXX I took a {$56000.00} loan to buy a truck. It was a 42 month loan. I defaulted on the loan. That we all agree on that, but XXXX does not report a " date of first delinquency '' at all and reports a charge off date of XXXX XXXX and paid as agreed XXXX XXXX. So I submitted a dispute twice to Experian questioning 1. How could I have first been late starting the 7 year clock XXXX XXXX when the maximum maturity of the loan would have been XXXX XXXX. Remember the loan is 42 months. XXXX XXXX plus 42 months is XXXX XXXX. No one can be late in the XXXX year of a 3yr loan. That 's nonsense on its face. Also in the Experian file the payment history is marked paid as agreed XXXX XXXX and charged off XXXX XXXX. Does anyone believe a loan can go from paid as agreed to charged off in one month? But as I mentioned earlier, these dates are nonsense because the loan was 42 months. XXXX XXXX would be the XXXX month of a 42 month loan. But in any case that point is almost moot because the law requires the clock to start at the date of first delinquency not the charge off date. I ask Experian about the XXXX and XXXX history because that is material to my dispute and they admit they do n't know. They are in clear violation of the law because the information they have makes no sense, its incomplete or either unverifiable. I seek immediate removal of this information. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/16 I applied for auto loan with Wells Fargo for {$8000.00}. We decided to apply for the loan since we have a current auto loan with them and have a perfect payment record with them for over 2 year. Plus we know that our credit score was about XXXX points higher then last time. 
I was disappointed to find that we declined very quickly. Well our credit is n't the best so we were n't too surprised. So we then went directly to a dealership to see if they could get us financed on XXXX/XXXX/16. 
The interesting part is the dealership was able to get us approved for about {$7600.00} car and by none other then Wells Fargo. The same bank that declined us just a few days prior. 
The reason I am issuing this complaint is just recently we ( my wife and I ) received a our declined letter from Wells Fargo. They list my credit score as XXXX and my wives as XXXX. I was shocked by the low score because I check my score regularly and through Transunion before was applied I was in the XXXX 's. I do n't know how they could say we 're more than XXXX points lower. 
I feel this effected us in XXXX ways : 1 ) It caused that we had less options of vehicles to choose from, 2 ) we did n't have a choice on the term, 3 ) and lastly, now we will have XXXX credit inquires for XXXX auto loan. My main concern is how they can have such a low credit score for us when we view XXXX the information is so much different. And then they can approve later. It just does n't make since and we feel that someone should be made aware of this and hopefully their will be an investigation so they do not do this to others. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Hello, I work with a small nonprofit organization who continues to receive calls from Joseph, Mann, and Creed regarding a debt that we have no knowledge about. They say that it 's for " Statutory Representation, '' services from XXXX XXXX XXXX. I 've asked for documentation regarding the representation and they have n't sent me anything. I 've been receiving calls for 4 months now. Please help, thank you! 

Company response: Company chooses not to provide a public response
Consumer complaint: I moved out of an apartment XX/XX/XXXX. The apartment complex I moved out of ( and gave my forwarding address to ) never notified me of an outstanding balance nor did they refund me my deposit. The first notification I received of a debt was XXXX XXXX, XXXX from I Q Data International. I called them in regards to my balance and notified them that I had not received any prior notices from them or my apartment complex. They kept arguing with me, telling me that I needed to contact my mail carrier because they had copies of letters they had sent out back XX/XX/XXXX and XX/XX/XXXX. I asked for an itemized list and they would not send one out to me. I did not receive any notice of a balance nor of my right to dispute the balance. If I had, I would have done so! They balance is over {$1800.00} at this point and I have no idea why! They also failed to include the other tenant in their collections, which they are legally obligated to do! I talked my way through XXXX supervisors to finally speak to a man named XXXX XXXX. He was the rudest person I have ever talked to. He kept saying, " I 'm not going to do anything sir. Are you going to pay your bill or not? '' I simply wanted an explanation as to why I was the only one included on the debt and why my first notification of an outstanding balance came 9 months after I moved out and the account had accrued a ton of interest? After doing some research online, I found that this company is notorious for violating the Fair Debt Collection Act. The Attorney General has shut them down before when they were known as XXXX, XXXX and XXXX. It seems they are still violating my rights under a new name. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I saw a collection on my credit from Pro Collect. A debt that I do n't owe. I sent for validation from this collection agency and they did not send me anything. It is now four months since I sent for validation. Pro Collect is not bonded to collect in my state. This is a time barred account. They are continuing to re age this account. This agency is in violation of the TEXAS FINANCE CODE AND THE FDCPA. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Why is still open on my credit report? and the balance is zero. THIS IS FIRST ONE The finance report on XX/XX/2010. I have the health plan from our school. It is cover this bill. 
I also payed this about 5 fives years ago. It also send me the refund on this one. THIS IS SECOND REASON. LET ME LOSS XXXX POINT ON THIS 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, I was informed by Merrill Lynch that a balance transfer from my XXXX XXXX credit card to a Bank of America credit card would take place and it did n't, resulting in a interest charge to me of {$4500.00}. Correspondence is attached. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I went to XXXX XXXX in XXXX XXXX to pick up silver jewelry samples that were promised to me to be completed on this date. The company told me I had to pay {$550.00} more in order to receive the silver models. I paid on my Citicard and was told to return the following day to pick everything up. When I went back the company refused to release the silver pieces. 
When I returned to the US, I was sent a contract from the company stating they owned everything. I have not received anything that I paid for. This was fraud by XXXX XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I XXXX, have lived in the apartment at XXXX XXXX XXXX, XXXX XXXX XXXX, SC for 6 years, with the same carpet flooring and same painted walls without an upgrade to the apartment which should have been done every XXXX years. Your letter is claiming I created this debit for upgrade to the apartment after I have moved out and not in a court of law but through the credit reporting process. 
However the documentation they sent fails to show in detail what was my responsibility verses the everyday wear and tear for the 6 year time frame I occupied the apartment. and the responsibility of the XXXX XXXX to maintain adequate carpeting and painting of an apartment you rent from the after you move out of the apartment 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The company called my cell phone. They did not identify themselves as a debt collector, or that the call was regarding the collection of a debt. 

They said that it was a legal matter that was attached to my social security number, and that they were going to be taking it in front of a judge in XXXX XXXX, FL, where they claimed they were at. He also claimed that XXXX XXXX, was working with them, and that was why they could send out police here in WA. XXXX XXXX threatened to have the police come out to our house, and that I would end up with a felony on my record. 

When we tried to inform XXXX XXXX not to call us anymore, and that he could send us anything he liked via XXXX Mail, he repeatedly talked over us, and began to yell. At this point we hung up on him. He then proceeded to call back XXXX additional times, and continued being belligerent, yelling and at one point he told someone " they do n't know what they did, she 'll end up with a felony ''. He seemed to be speaking to someone else where he was and had n't realized that the phone had been answered. 

We called them back, to get specific information on exactly what account and who the account was with. When they answered the phone they made it seem like we had reached some type of law firm. We were then transferred to someone who claimed to be a supervisor. Her name was XXXX and she said her badge id was # XXXX. XXXX XXXX said the debt was from Household finance, while XXXX said it was from XXXX XXXX, from 2005. No account numbers were given. 

When I informed XXXX that I was not working, and that we did n't have any money, she said " Well your husband can pay for it. '' When informed that he is on XXXX, she said " Well we are not trying to go after someone 's social security. '' Then she asked us about how we paid our rent, and when told we were moving, she then hung up, without " goodbye '' or anything. 

This debt does NOT appear on my credit report, and I haven't't used the name XXXX since 2005 XXXX when I was divorced. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Experian continues to duplicate report my student loan on my report. XXXX loan has XXXX reportings, because of consolidation. There should only XXXX reportings. Also, Experian does not put full account numbers on my fed loan servicing accounts, when the base account numbers are the same ; so they ca n't differentiate when I send a detailed dispute, because I am unable to differentiate between the XXXX accounts. Experian continues to allow the base student loan accounts, ( fedloan servicing XXXX-open date XXXX & XXXX acct # XXXX ), to be reported as delinquient ( payment history & account history ) even though the consolidation paid them in full. Both XXXX accounts, should not be reporting on my credit report any longer because they are not the original creditor or the current account holder, that 's why they are double reporting. I have disputes these accounts several times, with detailed disputes, & Experian continues just to verify name, date if birth, etc. No specific account information is verified as correct. I only had XXXX loan for XXXX which was consolidated once. So I should only have XXXX accounts reporting on my credit report, not XXXX. Experian reps continually state they as a company have no lawful obligation to report correct information. Experian, again does a horrible job, verifying detailed disputes, even if I tell them exactly what is wrong. XXXX account XXXX-date open XXXX, should have always had a status of " paid, closed '' - not transferred & closed. It was paid by consolidation loan, & paid in full in XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: This was a credit card that was taken out in XXXX 2010. Now I am interested in paying off the debt. {$130.00} and {$50.00}. 

Having difficult finding out which party is the debt through. From my credit report, I google Global Payments to find out the number - there were XXXX phone numbers listed - Then called the original debt person at XXXX XXXX XXXX - and talked with XXXX XXXX in finance XXXX XXXX XXXX she gave me the VIP Card holders number- XXXX XXXX XXXX - When I called that number - the account was sold to XXXX - XXXX XXXX XXXX. When I talked to XXXX XXXX, they shared they did not have the account. ( It was shared that XXXX was no longer working with XXXX XXXX in XXXX, IA ) I called the VIP Cardholders again, and could not find me in the system - I called XXXX XXXX - XXXX XXXX told me to call the VIP Cardholders again. At this time, I felt like I was on a carousel trying to settle a debt and improve my credit status. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This company name XXXX XXXX XXXX has reported that I owe {$80.00} to them. This information is inaccurate because I never received a parking ticket with the city of XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: name on my report is wrong, i have accounts on my report that are not mine : XXXX Name identification number : address : XXXX XXXX XXXX XXXX, FL XXXX Address identification number : XXXX Type of Residence : XXXX Geographical Code : XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I co-signed a vehicle XXXX with the XXXX as my co-signer, and my car was re-possessed when I tried to get the car fixed when it was dismantled. The car was parked in XXXX and my ex-husband returned the car and made a payment of XXXX per his hearsay, and now my credit is low and I have issues with opening credit because of his Fraud and XXXX XXXX XXXX was the man who co-signed for me at Wells Fargo under the name XXXX XXXX XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a Shell credit card since 1998 I moved out of country and paid the card off they were in the process of issuing a new card which I also told them to cancel because they are no good here. They took the XXXX payment that I ask them to draft from my bank account, to pay the card in full, but credited it to the new card they had issued which was also cancelled and are still charging late fees and interest on the old card I have tried many times to get this resolved to no avail. I am out of country and can not sit on the phone for hours trying to explain to them what has happened I have spent several hundred dollars in phone charges to talk with them and still have bills coming to me about this I do n't know what to do any more my credit score has gone from high XXXX 's to the XXXX 's because of this they are ruining my credit and I do n't know what else to do. when I talk to them or try to get into the account they tell me it has been closed but they have XXXX maybe more of my money and are showing my bill as being unpaid this needs to be resolved. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received cell phone call from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX on Wed, XXXX XXXX 2016. 

Call went as follows : Me : Hello? 
Caller : Hi, is XXXX there? 
Me : Who is calling? 
Caller : XXXX or XXXX? from ( inaudible ) - said while covering his mouth Me : From where? 
Caller : XXXX XXXX and XXXX Call was terminated at this point. 

The caller had very obviously covered his mouth with his hand to purposely obscure the name of the business so that the source of the call could n't be identified. 

That bears repeating. To ensure that I could n't hear who was calling, the caller covered his mouth when asked to identify from where he was calling. Nor did he mention that he was a debt collector. I had to come about that information by searching the name of the organization on the internet. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In 2000 I cosigned a loan and the borrower has not paid the latest installment. I wish to pay off this loan but Wells Fargo Education Financial Services is giving me a difficult time about paying off this loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: Was charged XXXX, XXXX USD overdraft fees from Bank of America on a checking account. The accounts were properly funded with a transfer from another linked checking account but Bank of America staggered the posting of the transaction so that the XXXX debits that caused an overdraft posted after the transfer in order to incur a fee. This was verified by a customer service agent over the phone who attempted to waive the fee but could not because 'reordering transactions is bank policy, not bank error '. I have argued about overdraft fees in the past with Bank of America as I feel they use algorithmic systems to reorder transaction to incur the maximum number of overdraft fees. I had a similar set of instances like this occur in late 2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have repeatedly been asking Experian to " investigate '' false information on my credit report. They are not investigating anything because they keep " verifying that it 's correct ''. It 's not correct and if any actual investigation was done, they would know that. All the other credit bureaus removed the inaccuracy with little to no problem. There is no valid phone number for experian unless you want to buy something from them. They will give you a secret phone number that supposedly works if you buy a report or product, but I do n't want to buy anything. I want them to do their job. Do they get paid to pretend I have bad credit? Why do they go out of their way to NOT fix errors? Kickbacks from the banks for charging higher interest rates than I should have? I was on their website this morning filing yet another a dispute request ... the webpage stopped working in the middle of the process ... I have no idea if it even went through or not. So, I tried to log in again, and now they have locked me out of the online website entirely ... claiming I 've exceeded the amount of times I 'm able to view a report ...???? I do n't want to see my report. I want you to get rid of false information. Why is this so hard? 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of this year I received a collection letter from XXXX stating they are collecting on behalf of CITI bank for the account in default. I NEVER HAD citi bank account!!! I disputed this with XXXX bureaus and with XXXX who failed to validate this account and send me any proof that I was the debtor on this account but advised me to get a letter from CITI bank stating that I never had an account with them. I called XXXX # for citi bank, who advised me to inquire with the branch for the letter. But branch manager advised me to call their fraud department who directed me to the local branch again .... I also have written several request to citi bank asking them to validate this account but all went ignored. I am not stuck with the collection that does NOT belong to me and with collection company XXXX who is ILLEGALLY attempting to collect debt and harassing me non stop! 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX I received a court document showing a lien against me in California. I live and work in XXXX so this envelope came to my parents house by regular mail. I emailed XXXX asking for proof of it being my debt ... no answer. I gave permission for XXXX to negotiate pants with mom ( revolving acct opened XX/XX/XXXX- no pmt made since XX/XX/XXXX. They would not agree to payment plan or negotiate a lesser amount. 5 days later, with no notice, {$2000.00} was removed from my bank account and I am now stranded in XXXX-with no $ $ to return to work after the holidays in XXXX. 

Does all of this seem legal? 

XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received XXXX denial letters for store credit cards that I did not apply for. The XXXX letter was for a Best Buy credit card and the XXXX Sears. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter on XXXX XXXX, 2015 from XXXX XXXX to collect a debt that I initially disputed with the company they represent directly which is XXXX. I therefore sent a certified letter disputing the debt which was received on XXXX XXXX, 2015 by the company. XXXX responded on XXXX XXXX, 2015 noting that they were not handling the case. I then pulled my credit report and noticed that another company, ERC, had placed the account on my credit report in XXXX 2015 and had not provided any notice prior to doing so. On XXXX XXXX, 2015, I received a letter from them notifying me that XXXX placed the previously disputed debt with their agency ; however they never notified me before placing the item on my credit report. I therefore sent their agency a certified letter on XXXX XXXX, 2015, which was received by their company on XXXX XXXX, 2015, informing them that I was not notified of the debt and they did not follow the procedures of the Fair Debt Collections Act. As of XXXX XXXX, 2015, ERC has yet to respond to my notice or letter. Before this account was placed with collections, XXXX refused to correct the charges and was charging me for services not received. XXXX was attempting to charge me for service on a telephone that had not been used since XXXX 2015. I spoke to a XXXX representative on XXXX XXXX, 2015, who said that they could see where the phone was not used since before XX/XX/XXXX and was attempting to credit the account then discovered they could n't because it was sent to collections on XXXX XXXX, 2015 ; XXXX day after I received a bill from them. XXXX is jumping the debt from collection agency to collection agency because they know that the debt is not a valid amount ; I have also confirmed that they have taken these same actions against other people who cancel their telephone service with them as well. Both XXXX and their collection agencies are taking actions that are unlawful and unfair to consumers who attempt to do right. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Citibank 's ATM machine ate my {$100.00} bill on XXXX XXXX, 2015. I submitted a total deposit of {$800.00} consisting of XXXX {$100.00} dollar bills, that I had just received from XXXX Bank, into the ATM machine. The machine response read as follows : " XXXX or more of your bills is defective. '' It then kept all the bills and gave NONE of them back to me. It only confirmed {$700.00} of my deposit, leaving unmentioned the extra {$100.00} I had deposited. So I got NO acknowledgment of the {$100.00} and also did not get it back in my hand. I went inside the branch to report the theft of my {$100.00} bill, and was told by branch staff that " it would no doubt be caught tomorrow morning when we get our accounts reconciliation for today 's activities. '' This {$100.00} overage was caught and noted by those same Branch staff, however, since then, restoration to my bank account has never happened, and in fact I was told that the results of their 17-days-later " fact-finding '' was that there was no overage, no loss, and no problem, so they were not going to restore my missing money! I should add that about a week after the theft of my {$100.00} bill, both outside ATM machines at that Citibank branch in XXXX XXXX XXXX, XXXX XXXX, CA, were being worked on by repair technicians, as I was told by branch staff members. 

Company response: Company chooses not to provide a public response