AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Consumer went through XXXX from XX/XX/XXXX-XX/XX/XXXX and had a complaint in with my XXXX because XXXX was charging for procedures I never had. Received an updated bill from dentist that shows a XXXX balance before XXXX XXXX was involved. XXXX XXXX has made up a new bill that shows consumer owes {$1300.00} on credit report. Consumer has disputed this item for two years with all credit bureaus to no avail. Credit bureaus have curtailed all disputes. Consumer has contacted XXXX XXXX several times but was either placed on hold or transferred out. Consumer has attached a copy of the XXXX balance bill that was submitted to consumer by the local XXXX. XXXX XXXX will not budge even when I complained to a state agency. They did adjust the amount of the bill which is bogus. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I paid off a debt with National Credit Systems. They are to report to the credit bureaus that debt is no longer in dispute. XXXX reports that NCS has not requested to have the dispute removed. I 'm not able to close in my mortgage until this dispute is removed from my credit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I donot have a XXXX account please remove from credit report I called XXXX they do not have any information on me 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I fell behind on student loans, not because I did not want to pay, but because we could n't pay. We have finally gotten to a point where we can begin making regular monthly payments starting in less than 30 days. Unfortunately, I had XXXX private student loans that went into default at the end of XXXX of XXXX. The accounts have been sent to collections. The collections companies refuse to work with us on payments. They are requiring large amounts of money right now and threatening to ruin our credit scores if we do not comply. We are unable to comply. We have tried calling the original loan servicer to set up monthly automatic withdrawals if they will just bring our loans back out of default. They refuse. All I am asking is that they take these accounts out of default and allow us to set up payments. We are still willing to set up automatic withdrawals. We want this resolved in a way that is not catastrophic to our credit scores or our ability to provide for our family. I hope that we are able to convince the original servicers to work with us, as we are willing and now finally able to pay. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Citibank closed all my credit cards out of a sudden, without any notification. Only realised it since i could not used it everywhere for a week. Called the Office of President, they will not disclose further nor reopen the account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I called Banco Popular on XX/XX/XXXX to make the payment for XX/XX/XXXX, which was due on XXXX XXXX but I usually like to pay earlier. When I did, they told me I owe for XX/XX/XXXX. I said, " No I do n't '' and they said " Yes you do. '' I said, " Is this going to be back like the past? I 'm going to call the bank and ask them to show you proof that I paid in XX/XX/XXXX. I paid on XXXX XXXX and Banco Popular withdrew it on XXXX XXXX. '' I got the statement and faxed it to them, and they said they did n't get the fax, although I had received a verification receipt. I said, " So you 're lying '' and he asked me to send it to him again. I sent another one right then. When he got it, I called and he says to me, " Yes, I 'm looking at it but we 're not going to accept it. We want your whole statement because we want to see how much money you have in your account. '' I said, " No, I 'm sorry, that 's my personal business. '' I called the Attorney General 's Office and they told me that I was right to do what I did and they can not force me to send them the documents like that. I am in collections for payments I am making. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My application to XXXX XXXX for a credit card was declined and the stated reason was " Bankruptcy on Credit Report '' and the report was stated to have come from Transunion. My credit report as supplied to me by Transunion does not show a bankruptcy therefore they will not let me dispute anything but XXXX XXXX are adamant that the report supplied to them " has bankruptcy related information ''. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: American Capital Enterprises , Inc. said I owe a debt for my son, As I have no sons, I am confused. I do have XXXX daughters, but XXXX of them were at or over the age of XXXX at the time they are saying the debt occurred, so I would not be responsible for their debts. 

They also said they did not have my address, even though it was part of my last complaint. For the record, my mailing address is : XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

I request # 1 proof that this is my debt with my signature, # 2 proof that this debt was assigned to them and # 3 proof that this debt can legally be assigned and collected by a 3rd party ( again, I need a signed contract showing this ). If this proof can not be provided, they are in violation of the fair credit laws and reporting such a debt on my credit report is illegal. 

Also for the record, I am disputing this debt and all the legal responsibilities and rights that go with this need to be enforced by American Capital Enterprises , Inc. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I checked my credit report and a new address appears there. I have not moved I reside in XXXX, NJ the new address that shows is XXXX XXXX XXXX XXXX, XXXX XXXX. I have never lived there and I have never used this address. I still reside at my XXXX, NJ address. 

Company response: Company chooses not to provide a public response
Consumer complaint: My account was on an automated monthly payment schedule. Unbeknownst to me, the automated payment ceased and the minimum monthly payment increased. As soon as I realized, I contacted Bank of America who refunded XXXX late fees and increased the monthly payment. Unfortunately, they apparently did not increase the monthly payment enough and the account went delinquent again and incurred additional late fees. I have tried having these late fees removed multiple times and keep getting denied. In addition, Bank of America reported my account as delinquent the credit bureaus. I have called 3 or 4 times and keep getting told they will request the fees be waived. Then I get a non specific letter saying, " After careful consideration, you recent request has been denied. '' I have done everything I can to keep this account current and feel these penalty fees should be removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted the collection agency on multiple occasions via returned receipt regarding verification of debt. The collection ignored my requests to verify this debt. I also sent CRA certified letter requesting the same. CRA response was that they verified. I have never received any verification from this agency and request that it be removed from credit report. They never validated debt to me and are in violation of FDCPA and continue to report on the debt. I filed a complaint with the XXXX in XXXX and finally received copies of statements from XXXX after 4 years of requesting proof of debt. But the Provided credit card statements from Account Number demonstrates that the balance is {$810.00}, I requested XXXX to provide details on how the alleged amount of {$1100.00} was calculated, XXXX has been reporting this balance against this account to all XXXX credit reporting agencies on my credit report As per XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX ), Misstating the amount a Consumer owes by a mere penny may constitute a violation of the Fair Debt Collection Practices Act. The FDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debt. See 15 U.S.C. 1692e I have not received any such agreement from the original creditor, As per law the XXXX is not authorized to collect interest unless it is authorized, I request XXXX to provide a contract from original creditor stating that XXXX is authorized to collect interest on this account.As per evidence presented above XXXX has violated FDCPA and I request all references to this account to be deleted from my credit reports and completely removed from my credit file 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed this bankruptcy before several times with XXXX & Experian and the outcome of this bankruptcy was discharged which means it does not exist in the courts, XXXX has removed it from my report but XXXX & Experian has fail to remove it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am filing this complaint against Bank of America due to fraud. I obtained a Line of Credit against a property in XXXX 2008 in the amount of {$100000.00}. At closing, I was given XXXX disbursements payable to XXXX XXXX for {$10.00}, XXXX and {$8500.00} for a total of {$19.00}, XXXX. The CreditLine Balance on XXXX XXXX, 2008 was {$25000.00} plus closing fees of {$10.00} for a Total CreditLine Payoff amount for {$25000.00}. I have been making payments of almost {$300.00} a month since. I received a letter last month stating that my payments would be going up to an estimated {$840.00} a month for 180 months. I spoke with a friend of mine and told him that I only owed {$20000.00} on my line of credit and that I should have paid it off by now. He asked me to fax him my closing documents and called me back saying that I was paying on a {$100000.00} and not {$20000.00}. He told me to go immediately to a local Bank of America Branch which I did. The woman at the bank said that she saw where I received {$19000.00}. I said that I did receive that but where was my other {$74000.00}. She said she did n't see any other disbursements listed. She then took me to another office where she called the fraud office for B of A. The lady on the phone told me that a forced advance transfer was conducted at a Bank of America the same day of my closing. It was for {$74000.00}, check # XXXX at Bank of America Plaza XXXX # XXXX. She gave XXXX fraud hotline numbers to call and file a complaint. I called and let them know what I found out which was XXXX XXXX and that money had been stolen from me years ago without my knowing it. I was just paying on it monthly without realizing. I received a letter via email 2 days later on XXXX XXXX saying that they conducted a thorough investigation of my claim and that Regulation Z provides a 60-day reporting period and that I waited too long. I did n't know but how can they just dismiss the fact that someone from the bank stole my money and that discrepancies in the paperwork was not caught by the auditing department or was not reported to the federal government. I know that many laws have been broken and because I have been paying monthly, makes this ongoing fraud. All I asked for was to find the money. I would like copies of documents used in the fraud/copies of all documents relating to my missing money, individuals involved, etc. from Bank of America. I am a customer so how can they just dismiss me when there is {$74000.00} missing. Please send this on so that I can get some help. 

Thanks. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Bank of America gave me a PREDATORY interest only loan of about {$59000.00} ( ten ) 10 years ago. During the past 10 years I paid approximately {$160.00} a month in interest only or a total of {$19000.00} in interest only as the loan was not amortizing. In other words I paid Bank of America an effective rate of 34 % interest and I still owe Bank of America the entire PrincipalDespite the draconian conditions that Bank of America imposed I am current on my loan ( number XXXX XXXX XXXX ) and I never defaulted over the past 10 years. During this ten year I applied 7 times to Bank of America for a modification and a lower payment of about {$68.00} a month and each time my application was callously denied.even though my income is very low. But I continued to cut back on my medications so that I can afford to pay Bank of America and to date I am current on my loanTo add injury to insult Instead of lowering the payment to {$68.00} a month as I was requesting Bank of America has suddenly increased my payment to {$500.00} a month. Bank of America did not have the common decency to notify me by ( 1. ) return receipt or ( 2. ) certified mail or ( 3. ) registered mail.that they were about to abuse me. How could a Bank just unilaterally change the loan terms on a client without notifying him? 

In fact Bank of America just increased my monthly payment by 300 % from {$160.00} to {$500.00} a month without even notifying me. When I went and complained at the Bank of America branch on XXXX XXXX in XXXX XXXX the officer told me I signed to it 10 years ago.. The officer just said that Bank of America is within its legal rights and there is nothing I can do about it. 

This is a predatory loan and I can not afford to pay {$500.00} a month.I need help to lower the payment to about a {$60.00} a month. I am current on my loan and I never defaulted and I intend to repay the loan in full and would be most grateful for your urgent help Bank Of America IS FORCING ME TO DEFAULT even though I faithfully met my financial obligations to Bank Of America over the past ten years. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had inaccurate information display on my student loans credit trade lines. After the Department of Education completed their investigations, they sent a correction out to all the credit reporting agencies to correct the inaccurate information and to show no late payments on my student loans trade lines. They also sent me a copy of their findings and sent me documentation stating they had made the correction to my credit report. All the other credit agencies made the proper changes to my report, accept Trans Union, which deleted all of my student loans with XXXX, They have tried to replace the loans back onto my credit file but to no avail. I have spoken to Trans Union and have asked them to put these items back onto the credit report, but was told there was nothing to be done about it, and that these could n't be placed back onto my credit. They took these items off without my permission or knowledge. They created this problem, and should be made to fix it. I would like for this to happen as soon as possible. my credit has taken a toll because of their mistakes. I want my loans put back on my credit file, and shown properly with no late payments. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015 I received a form letter concerning a change in my Macy 's account ; specifically, Macy 's was closing my American Express store account and had selected XXXX Bank as their preferred credit provider. When I had not received a new credit card by early XXXX, I visited the local Macy 's store ; they suggested I write to the issuing organization XXXX about my missing card. I sent a letter on XXXX XXXX to request information and the new credit card. As of this date I have not received any response to that letter and still have not received a new credit card. I am concerned that a credit card in my name is still missing and have not been able to get any information from Macy 's or the Bank. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company is continuing to request payment for accounts that I do not owe on. {$120.00} from XXXX on XXXX XXXX, XXXX on behalf of XXXX 
Also : {$810.00} from : XXXX XXXX on XXXX XXXX, XXXX on behalf of XXXX. 
These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to TransUnion. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against TransUnion and in their respective state and both of these companies if this is not resolved NOW! 
I 've ALWAYS had this type of trouble before with TransUnion. My report with them has always been incorrect. From having an out of date address from over 6 years ago as my main address to not having all of my current TradeLines listed that are active and in good-standing.I 'm not surprised! 
I am a veteran and a XXXX XXXX and I do not deserve to b treated this way. I will file a I fought for your freedom young man/woman! law suit against this CRA IF These entries are NOT removed! 
ALL references regarding this account must be deleted from ALL reporting agencies. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have the credit bureaus to remove the citizens bank students loan off of my credit report and they refused I stated to them that I do not owe any money 's to citizens bank for a student loan which.have been verified by XXXX that I do not owe them any Money and they still have it on my credit report as well as money they alleging say I received from the bank on account I do not have 

Company response: Company chooses not to provide a public response
Consumer complaint: i have this collection on my report from Transunion and only Transunion its not mine. I sent them a letter asking for proof or some sort of account information. They sent back a letter saying verified. no proof given at all. Just XXXX work Verified. How? Who? They dont want to say, Please delete it asap. 

Company response: Company chooses not to provide a public response
Consumer complaint: Suntrust allowed a debt collector to garnish my wages, even though my wages are from XXXX ( social security ). I informed the creditor, XXXX, that I was very ill and on XXXX. I lost my job because of my health, yet had been consistently paying the creditor, XXXX before I lost my job. I called XXXX XXXX XXXX ( creditor ) informing that I lost my job and was applying for XXXX. They refused to work with me. Suntrust never sent me a letter warning me of garnishment or to confirm my source of income ( which is an ETF deposit monthly from Social Security ). Suntrust allowed both my savings and checking to be put on hold and charge enormous fees for " holding '', overdraft, and a garnishment fee. They also admitted the creditor, XXXX could see my account and explain what charges were pending. How is this possible? The bank was negligent for not confirming that my income was from XXXX or prevent the collection agency from garnishing my account or if the garnishment was legal, ensuring that the limitations on amounts by law were legal ( they charged both my savings and checking accounts the garnishmen ( so XXXX charges for XXXX garnmishment ) than placed the accounts on hold ). I never received XXXX notice giving me the opportunity to show my income was from XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a student credit card and was denied. I only have ( XXXX ) bad thing that has been on my report for 6 years and I was denied and I think it 's for credit discrimination. Everything else on my credit report is good and in great standing. 

Company response: Company chooses not to provide a public response
Consumer complaint: This collection agency continued to call my CELL PHONE from an automated dialer after I asked the to remove my phone number over three times. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: XXXX has recently authorized a credit pull without my approval and the negative mark is on my credit report. On XXXX XXXX, 2015 I asked a question and never received a response. Yet, before answering my question, pulled my credit. Please see information attached below. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have been having issues, the same ones for years. 
We paid our escrow total and they misapplied the funds. 
we paid XXXX to principle and they misapplied the funds-AGAIN. 
We have tried to contact their ombudsman and she sent us to another person who will now not respond. sent a letter to the XXXX and the XXXX of XXXX NC. 
Please help. we are seniors and can not afford for them to take our money when we are try to pay off the loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a response to the company 's response. We disagree and dispute the company 's response. 
Please see the detailed attachment which shows that Ditech is harassing us and claiming that we are behind in payments, even though we have cancelled checks which show that Ditech is lying and committing fraudulent activity. 

Company response: Company believes it acted appropriately as authorized by contract or law