AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I was notified of negative activity in my credit report In XXXX XXXX by my financial institution. Upon investigating I realized XXXX XXXX XXXX had reported late payment on a credit card held with this company. I had not used this credit card since paying off my debt of {$1600.00} in XXXX. I called XXXX Fraud department to inquire why and what I was reported for. I was transferred to customer service and was told that the card had been used to make a purchase of {$4.00} at a XXXX on XXXX/XXXX/XXXX. I explained that I had not used this card and was not aware of this purchase. I was told to submit a written statement regarding this incident. A written report along with the required documents was faxed to XXXX XXXX XXXX. I was told they would investigate and send me a report on their decision. I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX stating they had updated my credit report with the credit reporting agencies : XXXX, Experian and XXXX " to read as a current account with a balance of {$0.00}. 
XXXX XXXX XXXX did not clear my name for the late payments reported to the credit reporting agencies and this significantly dropped my credit scores. I have since attempted to get them to do this so my previous " Excellent and Good '' credit report status could be reinstated. I was told with time I can rebuild my credit report. I did not destroy my credit report, I have worked hard to build and sustain my credit report and would like for this company to report that I was not responsible for the late payments since I did not use this credit card. A zero balance report did not address the fact that I did not use the credit card and was not responsible for the late reports submitted to the credit agencies. I have not made any payments to XXXX XXXX XXXX, by reporting a zero balance it suggest to the credit reporting bureaus that I was in fact responsible for this transaction and guilty of a late payment which has since been settled to a zero balance. Due to the incompetency of this organization my credit score has been adversely affected. I am kindly soliciting this organization assistance in reinstating my good name which I have worked very hard to maintain. Thanks for your support in this endeavor. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am having issues with Chex-systems. I have filed several police reports with the XXXX in reference to an identity theft issue that I have going on. Someone continues to use my identity to open up loans with credit unions that lead to inquiries on my chexsystems. I filed an initial police report and refiled another report after there were accounts opened fraudulently and I just finished amending my police report once again because i have had continued issues with identity theft. Chexsystems in reporting several fraudulent inquiries on my file I have only opened a XXXX checking account and have not authorized for any institution to access my chexsystems file. XXXX should be the only inquiry that i should have reporting on my file an chexsystems is reporting several fraud inquiries on my report. I am attaching a copy of my XXXX police report which has been amended already because of recent fraud. I am requesting for Chexsystems to remove the fraudulent inquiries from my chex systems file the only inquiry that should be reporting in XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX and its credit card provider US Bank recently engaged in a " bait and switch '' tactic which lured me ( and other ) customers to sign-up for their XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( requiring a {$75.00} fee ) by promising a benefit which they then replaced by a significantly lesser benefit within XXXX days. XXXX XXXX recently removed their much-touted benefit of a bonus night on award stays. This benefit was clearly advertised as " BONUS AWARD NIGHT EXCLUSIVELY FOR CARD MEMBERS & ENJOY THE BENEFIT AFTER PAYING {$75.00} ANNUAL MEMBERSHIP FEE ''. Based on this _promise_, I paid the membership fee ( {$75.00} ) on XXXX XXXX, 2015 and met all spending requirements. XXXX XXXX announced it was rescinding the promised bonus award night and replacing it with a different award worth significantly less. In addition to the membership fee, my credit rating was diminished due to the hard credit inquiry imposed by US Bank. All of this occurred within a time period that made it impossible to gain the originally promised award bonus. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is an account that is reporting on my credit report. The account is XXXX XXXX. I have disputed this account several times because this account is not mine. I have called XXXX XXXX and requested in writing a copy of my original account and did not receive it. I spoke with XXXX Account Manager, XXXX XXXX and he admitted on a recorded call ( the call took place between XXXX on XXXX XXXX, XX/XX/2015 ) that they did not have any paperwork regarding my original account and they could not provide it to me. 
If I was able to find out this information by a phone call, the credit bureaus should have been able to retrieve this information and take the appropriate steps to remove this account ( which shows a duplicate ) from my credit report. They did not and did not thoroughly investigate, when they held themselves that they did. 

Company response: Company chooses not to provide a public response
Consumer complaint: From XXXX 2015 to the present, I have been contacted, repeatedly, by " XXXX XXXX '' to collect on a debt that was previously paid to another debt collection agency. After reading BBB reviews and online complaints, DRS has engaged in multiple violations of the FDCPA and FCRA, XXXX. This debt collection agency is operating via extortion and fraud and identity theft. In addition, DRS continues to collect on past statutes of limitations, and in some cases, " phantom debts. '' And, after XXXX complaints in the last 3 months, I would hope that the CFPB took notice and opened an investigation. 

Company response: Company chooses not to provide a public response
Consumer complaint: i have numerous emails that have come thru my job regarding issuing warrants, threats. also many vulger phone calls in which i am called every nasty word there is and my daughter also regarding XXXX her, my XXXX XXXX, etc. if i did have a laon with them i have no knowledge of this debt not being paid. i need documentation from them but can not get it. if i had a loan which i have n't done a payday loan in years i would remember this. i can provide bank documentation from bank. but i need to know where they come up with this debt they say i owe.. i received an email today that a warrant will be issued tomorrow XX/XX/XXXX at XXXX. Arrest warrant I 'd : - XXXX which will be going to release on Friday XXXX XXXXAttentionThis is the last and final chance for you. 
This Legal Proceedings issued on your Docket Number XXXX with XXXX of Cash net usa Inc. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of cash net Usa has decided to mark this case as a flat refusal and press legal charges against you. CASE NO : XXXXAmount Outstanding = $ XXXXWe have sent you this warning notification about legal proceedings of XXXX XXXX, 2014 but you failed to respond on time now it 's high time if you failed to respond in next 4 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: In XXXX of 2003 XXXX transfers, totaling about {$50000.00}, were arranged from a bank in XXXX, to banks in XXXX and XXXX XXXX. XXXX were unsuccessful, resulting in the loss of these funds despite {$60.00} in bank transfer fees paid. The sending bank, according to their printed wire receipts, indicate that mistaken and incomplete wire transfer numbers were used. Their reports indicate no problem with the transfers, despite the non-receipt by the intended recipients. Because no problems were evident on these reports, and the intended recipients had no basis to know to expect wire transfers, and no verification of these transfers were made, these XXXX transfers have been lost. Both the sending and recipient banks no longer have records, although printed records from 2003 are available. Direct contact with the sending bank has been unsuccessful in securing their cooperation in repayment of the lost funds. 

Company response: Company chooses not to provide a public response
Consumer complaint: Westlake financial Services is financing my car loan, I was told by them that they will report my credit to XXXX and XXXX, this was 9 month ago, so far there is not any credit report. Every time I call them they say that they will report it, they have requested me documents that I already sent and still the same, no report. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Since the inception of my vehicle loan with Ally Financial I have paid over the required monthly payment. Each month I have requested that the amount paid over be applied to my principle balance. It appears that interest is being deducted from the total amount paid and not from the payment due amount. I believe the amount paid over the payment that is due has been misappropriated throughout the duration of my loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a Veteran Loan backing with PennyMac Loan Services , LLC. 
PennyMac has in escrow my money to pay my property insurance. 
PennyMac did not pay my property insurance when due. MyProperty insurance had expired & PennyMac will not pay the inpoundmoney for the property insurance. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I am on the DO NOT CALL REGISTRY yet I received a call from " Convergent Outsourcing '' regarding debt collection, but my credit history is excellent. The number they asked me to call is XXXX. After looking on the internet, I see a lot of people have complained about this number as well. Please do something about this organization. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Frederick J. Hanna & Associates , P.C . Attorney XXXX XXXX XXXX filed a Civil Action against me and was awarded a Judgement because they falsified the Affidavit Of Service stating XXXX XXXX XXXX served me the Summons by serving my wife. I 'm not married and was not living at the address where they claim the Summons was served. The date of service was XXXX and I moved from the resident on XX/XX/XXXX as documented in the enclosed attachments. The Plaintiff was awarded a Judgement of {$2400.00} plus attorney fees, interest and court costs. The amount is now {$4400.00} and a Judgement on my credit. As result of the Improper Service of the Summons, I was unaware of the Civil Action against me and did n't have the opportunity to defend the charges against me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Have been trying to obtain verification of debt documentation since XXXX 2014. Bank of America has not provided anything, neither has their attorney. It has been XXXX months and this account si damaging my credit. There is no one to talk to regarding this debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: At the end of XX/XX/XXXX I contacted Citicard about an offer to spend {$1000.00} in XXXX months and receive a {$150.00} XXXX gift card. I needed to purchase a laptop. I remember speaking with a gentleman at that time who confirmed the above information which I had found online. He sent me a card in the mail - last XXXX numbers XXXX. I made my XXXX purchase on XX/XX/XXXX A few weeks later I contacted the company about a new card because I could n't find mine. They cancelled the above card and sent me a new XXXX - last XXXX numbers XXXX. Today, XX/XX/XXXX, I contacted the company about receiving my {$150.00} XXXX gift card. I have made around {$1200.00} in purchases to date. The woman I spoke with told me that I had not made my purchases within the allotted amount of time. Of course I disagreed with her stating that I should have till at least the middle of XXXX. She then told me that I had opened this card at the end of XX/XX/XXXX After speaking with a number of reps. including XXXX managers, I 'm being told that I opened a card at the end of XXXX ( XXXX I do n't remember opening ) and that the guy I spoke with at the end of XXXX cancelled out that old card and pre-dated the XXXX card to that date which only left me a few weeks to charge the {$1000.00} in order to get the {$150.00} XXXX gift card. He never mentioned any of this to me in fact he lied to me when he told me I had XXXX months. Even if I had opened a card, which I really question the legitimacy of that claim, he should have said something. My recent conversations with customer service confirmed to me that this old card had never been activated and no charges had been put on it. Regardless of how I 've tried to explain the issue I received no help. They continue to refuse to honor the offer and reward me with the {$150.00} gift card. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have contacted Experian on several occasions to dispute unauthorized inquiries of my credit report by several companies. Experian has simply refuse to investigate or remove inquiries from my credit file. I I have even written letters to creditors disputing inquiries but never received response. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, XX/XX/2015, I refinanced my home loan with Bank of America. The proceeds for the refinance were wired and the payoff was processed. On the payoff statement, Bank of America advised they would refund any applicable escrow proceeds within 30 days. When I received my overage, it was far less than I anticipated by roughly {$400.00}. Over the span of 3 weeks, I spoke with XXXX people at Bank of America who assured me my proceeds would be refunded to me. The explanations varied from my loan being packaged to be sold which required B of A to over-pay my escrow to a timing of my payoff. It makes no sense why the explanation varied but at the end of the day, I 'm owed a refund. As of today, Bank of America has not only failed to send me my money but waited until XXXX/XXXXXX/XX/2015 to advise that my loan was paid in full. According to HUD, they advised I 'm not entitled to a refund due to the timing of the loan termination paper work. I wish to fill a complaint due to Bank of America 's willful intentions to withhold my money. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was incarcerated in XXXX XXXX XXXX ( Florida ) from XXXX XXXX, XXXX until XXXX XXXX, XXXX. While I was incarcerated for approx. 15 months my roomate at the time used my Bank of America debit/ATM card to fraudulently make hundreds of ATM withdraws and Debit Card puchases as well as writing fraudulent checks equaling over {$20000.00} XXXX dollars. These transactions began on XXXX XXXX, XXXX and ended on XXXX XXXX, XXXX. The account went into arrears and was " forced closed '' on XXXX XXXX, XXXX with a negative balance. After I was released from jail I was homeless. When I finally found a home with a solid address and a telephone and computer on XXXX XXXX, XXXX I called Bank of America to file a claim for the fraudulent activity mentioned above. I was told by a supervisor in the ATM Debit Claims Department named XXXX XXXX that the bank can only file and be responsible for claims that go back 12 months from the claim filing date. The claim filing date in this case is on XXXX XXXX, XXXX. Most of the fraudulent transactions took place over a year ago ( 12 months ) and I explained that I believe that I deserved compensation via a claim regardless of the 12 month rule. He refused to help me with this request. Instead, he referred me to the Federal Reserve website www.federalreserve.gov and told me to download the PDF document on Regulation E which explains that it is federal law that a bank is not obligated to compensate fraudulent activity that goes back more than one year ( 12 months ) from the claim date. I followed his instructions and read the PDF document and found no such rule or regulation. I then contacted the Federal Reserve Consumer Help organization at XXXX and they said that they do not have jurisdiction or supervisory authority over Bank of America so they referred me to your organization, C.F.P.B., at XXXX. I called and spoke to XXXX of your representatives who directed me to www.consumerfinance.gov to process a claim online. 

Company response: Company chooses not to provide a public response
Consumer complaint: US Bank advertised its XXXX XXXX card with " bonus award night exclusively for card members '' who " enjoy all these benefits after paying {$75.00} annual fee. Relying on this advertising, we paid the annual fee, but now the bonus award night has been rescinded. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had XXXX accounts with XXXX XXXX XXXX. XXXX of the account was settled with Nationwide Credit INC ; XXXX XXXX XXXX ; XXXX XXXX, PA XXXX. I use XXXX Banking for all my transaction to XXXX. I received a letter form XXXX dated XXXX/XXXX/15 claiming that they did not receive XXXX XXXX XXXX, 2015 payment. I sent emails showing that payments were made on XXXX/XXXX/15 & cashed on XXXX/XXXX/15 and XXXX before it was due. Instead of XXXX sent the money back, according to XXXX, XXXX ID xt XXXX, the money was sent on XXXX/XXXX/15 & XXXX/XXXX/15 for {$1100.00} each total of {$2200.00} to XXXX. According to XXXX I owed {$4700.00}. I asked why the money was not sent back and why there was no response to my email she had no answer. I had XXXX from XXXX Bank on a XXXX way call. XXXX refused to speak to either of us unless XXXX call back on a line that was not recorded, however, without our permission, XXXX recorded the conversation. XXXX told us she would not talk to us unless she goes thru her speech that XXXX was a debt collection agency. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The original bill from XXXX XXXX XXXX was for XXXX XXXX for my son. It was sent to my ex-husband, and I was not aware that it existed until it was sent to collections and popped up on my credit report in XXXX of XX/XX/2012 At that time, I contacted the collection agency to find out what this bill was for, as that was the XXXX time that I had been made aware of it. Because no one ever bothered to inform me that the bill existed, they gave me 30 days to pay the bill in full -- which I did -- and then they removed it from my credit report. I thought the issue was resolved at that time. 

Now, XXXX years later, it appears that the original collection agency sold the debt to a different collection agency ( XXXX XXXX XXXX ), who is now attempting to extort money out of me for a bill that I have already paid. They are telling me that I need to pay this bill in full within 30 days if I want it taken off my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I opened up a bestbuy credit card in 2011 an in doing so they said I signed up for a debit protection plan. When I signed up all they had me sign was a electronic pad that only had a signing box nothing telling you what you were sighing for so you were at the employees mercy to what you were sighing for and he told me it was just for the credit card and reward card. Nothing about a debit protection. My bad but when I got the bill I just payed it and did n't look at the statement. Then my wife seen it and seen that there was a XXXX $ fee it just said fee nothing about what it was for so I called and they said it was a debt protection plan. They took XXXX $ out for 4 years which means they scammed XXXX $ from us. They said I signed it and sent me a copy but once again I had only the employee to tell me what I was sighing for and I googled it and many others had the same issue and said that the employee would get a XXXX $ commission to sell this so they were not enclosing what you were sighing for. By the signature I sighed when they sent a copy to me it said debt protection but no amount for the fee to be charged and the people on line all were paying different amounts. What do they fraud you into sighing this and then get to pick a amount for the fee out of a hat. I have contacted them many times and still no answer to that question. They keep saying they will not refund our money. I feel this is fraud at its best which makes me mad because we have been a loyal customer for many years and we trusted them to look out for our best interest. Why would we sign up for a interest free card and sigh up for a debt protection fee of XXXX $ on a XXXX loan? Please help us this is a lot of money to my family. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am submitting a complaint with documentation by PriorityMail. My Lender is arbitrarily not responding to my request for a short sale, MHA relocation assistance and a property valuation report. Enclosed is everything my agent, the buyer and I submitted that has to do w/my request and a few letters from the Lender. Denied due to incomplete documents and moved foreclosure to XXXX. I have been in constant communication by phone with my lender since XX/XX/XXXX to help make sure we complied with their requirements but to no decent outcome. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have now by email XXXX times asked that they stop contacting me at my office number as I am not in a private environment AND my voice mail is not private. The most recent call was XXXX minutes ago. This is becoming abusive. Each time I have advised them that it is against the FDCA for them to call after I have asked them to stop but they continue. Thank you. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: A company by the name of Accelerated Revenue Managers in XXXX California reported my name and home address to XXXX ( XXXX of the XXXX big credit reporting agencies ) with derogatory information regarding an unpaid pest control bill ( to a company named XXXX XXXX ) without having ever notified me of the debt scenario or that they would be damaging my credit score as a result of their filing. I did n't find out about it until I went for a home refi on my mortgage and their filing showed on my report. At no time did I have any creditor relationship with XXXX. Accelerated Revenue Managers most assuredly is not following the proper communication protocols nor should they be reporting potentially fraudulent negative credit information without first establishing contact with the alleged creditor. Please investigate their credit collection practices so that others are not harmed by their tactics. 

Company response: Company chooses not to provide a public response