AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX did unauthorized illegal credit checksExperian : XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015 

Company response: Company chooses not to provide a public response
Consumer complaint: This Debt was Charged of in XX/XX/XXXX with Citi. In XX/XX/XXXX it went to XXXX XXXX XXXX. They were sued by the FTC.One of the nation 's largest consumer debt buyers has agreed to pay a XXXX civil penalty to settle Federal Trade Commission charges that it made a range of misrepresentations when trying to collect old debts. In addition, the company, XXXX XXXX XXXX XXXX, has agreed to tell consumers whose debt may be too old to be legally enforceable that it will not sue to collect on that debt They still have on my credit report and increased the balance from the XXXX Charge off to XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Argon credit Collections and XXXX have both told me several times this is not my account and I am not responsible for this accounts that they do not show me as respondib left party. My XXXX year old son is responsible for these that dental work was done on him.neither will remove me saying they do not have any info on me. The dental office tells me they informed argon on XXXX XXXX. NOON ONE WILL REMOVE THESE COLLECTIONS EMBEDDED AFTER TELLING ME THAT THIS WAS A MISTAKE ON THERE PART AND WAS A EMERGEMCY CONTACT NOT A RESPONSIBL PARTY. BUT THEY SAY THEY CAN NOT REMOVE THEM NOW BECAUSE THEY HAVEER NO INFORMATION AND I AM N O T ASSOCIATED WITH THE ACCOUNT. NO ONE WILL REMOVE BOTH OF THESE COLLECTIONS ACCOUNTS THAT THEY SAY ARE NOT MINE PLEASE HELP ME GET THIS MESS CORRECTED. A.S.A.P. I HAVE BEEN TRYING ON MY OWN. FOR OVER A YEAR 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There is a collection account with XXXX for {$140.00} that was removed from my credit report, however it reappeared under another collection agency last month and as a result my score dropped. The other bureaus apparently was able to disseminate this information and it was not added ; however Experian did. Over the last few years I have noticed out of all the bureaus they are by far the most INACCURATE. As a result I have had several disputes with them over the years in efforts to clear erroneous information but despite my efforts this continues to be an ongoing battle. 

Company response: Company chooses not to provide a public response
Consumer complaint: In early XXXX of 2015 Credit Collection Services began reporting to the XXXX Credit Bureau that I owed them {$130.00} for their Customer XXXX XXXX. In the beginning of XXXX 2015 my balance with XXXX was at {$0.00}. 
On XXXX XXXX, 2015 I faxed a dispute letter to CCS asking them to remove the unverifiable/inaccurate information that was being reported to XXXX. I never received any correspondence form CCS in regards to the debt they were trying to collect. I have yet to speak to a CCS representative or anyone affiliated with them. I have never accepted not acknowledged any debt with or through them. 

After my first dispute letter CCS updated the information which is being reported to XXXX as " Paid Collection '' which is inaccurate and untrue because they have never received any payment or form of communication from me besides dispute letters. I would like to ask for proof of payment from me to their company as well as for them to verify this debt. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: continue my refinancing, I pay off the equity line to Wells Fargo Bank, they charge unknown amount of {$720.00}, call they why charge, they said " you are forclosure, '' I told them I pay off the Equity Line, they said that they will investigate. 
But I got a letter ( attachment ) listed for closure in 2008. 
This was muntrue, I never have forclosure. 
Please check in this, I do not owe them any money. 
Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: hard pull without my consent please remove hard pull for XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Loan number is XXXX. My name is XXXX XXXX XXXX @ XXXX XXXX XXXX. XXXX NC XXXX. XXXX XXXX 2015 I mailed XXXX payments to Santander Bank. The due date for my XXXX mortgage is XXXX of each month. I sent XXXX payment in the amount of {$1000.00}. I intended for XXXX payment to be for XXXX and the remaining funds to apply to principal balance. I was told since the payment for received XXXX day after due date they had the right to take XXXX months of interest. However it did n't advance my loan due for XXXX payment. 
I was told my loan simple daily interest loan and it is not. I wrote letter asking for the note, payment history and amortization schedule. I was told it would cost around {$110.00} to {$150.00} or go to banking center. I asked about Santander Banking centers in XXXX NC. Representation at Santander said they do not have banking centers in North Carolina. 
I made a payment for the full contractual amount for XXXX in XXXX which posted before the due date of XXXX of XXXX. I received a billing statement today ( XXXX/XXXX/2015 ) which shows due next XXXX XXXX 2015. It seems the XXXX payment made in XXXX was simply taken and not given credited to my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are several inquiries on my credit bureau report that appear to be in duplicate. They are all listing as a request by XXXX. There are duplicate entries by bank for XXXX. XXXX of the XXXX entries by XXXX XXXX XXXX has been deleted but an extra XXXX remains. There is an erroneous inquiry on XXXX/XXXX/XXXX by the same bank. The bank reports they have opened an investigation with the credit bureau but it has been more than XXXX days ago and the items remain. 

Company response: Company chooses not to provide a public response
Consumer complaint: I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. '' 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: i have a student loan account that has been closed for a long time and it 's still showing on my credit as an active closed account. I have disputed this situation with the credit bureau and it was suppose to be deleted. This has n't been the case yet. This type of account is past XXXX years. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter in the mail from ResidentCollect Inc. for an account that I did not open with them. I have never given Resident Collect my social security number or address. They contacted me via regular class mail with a letter dated on XXXX XXXX, 2015. This was and is their first letter that they 've ever sent to me. In the letter they stated that unless I notify their office within 30 days after receiving this letter, their office will assume the debt is mine and that they will obtain a copy of a judgment and mail me of it. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: XXXX XXXX has a collection against ( {$580.00} ) me but I have never had a XXXX XXXX account. It states the account was opened in XX/XX/XXXX, closed in XX/XX/XXXX, and went to collections in XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recieved a letter for settlement of an old debt I owed for an apartment. When I called in to accept the settlement amount, XXXX things happened. 
1. They changed the amount because there is a daily interest rate that is applied. 
2. They agreed that if I paid the amount of XXXX They would delete the record permanently. 
I agreed. 
I then spoke to my credit counselor and she told me that Paying that amount was not necessary, and I called " XXXX the next day and told him I would opt for the lesser amount and accept the " paid in full gurantee he offered me. 

Today, this account is being reported as " settled for the lesser amount '' and when I called to clarify their statement of settling in full, they stated that " settled in full is what they report and what the bureau reports is their own process ''. They made no attempt to correct the reporting, and I feel like I was tprovided flase information in order to pay the debt. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I do n't know how this company is even still in business with all of its complaints, XXXX rating, etc. They lie, degrade, yell, threaten, etc. Absolutely intolerable behavior. Other collection companies to not behave this way. XXXX is XXXX that lies and threatens and condescends and is always rudely sarcastic. This must STOP! Why is this allowed? 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Our mortgage company has our home insurance in escrow. They received our insurance bill in XXXX of 2015 for the XX/XX/XXXX payment. In XX/XX/XXXX, we received a phone call from our Insurance agent stating that our insurance was about to be canceled, due to lack of payment.We contacted our mortgage company asking why they did not pay. They gave us the run around, no one giving us a straight answer. I told them to pay it immediately. I was then told, they were given a grace period and would send a check out in time to pay the bill. I got off the phone frustrated and contacted my agent to let him know it would be paid. Periodically, I called the agent only to find it had not been paid. I called again and got another run around. We received a cancellation notice for non-payment. I had to call my agent and pay my bill via credit card to prevent our insurance company from dropping us. I have called twice to see if our taxes have been paid and once again no clear cut answers just talking in circles. I am frustrated and concerned about where our money is going. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: To whom this may concern, When i checked my credit report i seen where a debt was reported by national credit services. I filed XXXX disputes with XXXX and did n't receive any verification to prove debt was mines. I had an apartment with XXXX in and had a XXXX incident which resulted in me throwing away thousands of dollars worth of household furniture and my son being XXXX and washing all of our clothes and shoes costing me hundreds of dollars, when i called the office about the incident they informed they would n't compensate for the furniture or the clothes but told me i could terminate the lease but i was still entitled to pay XXXX 2014 rent which i paid. I tried calling collection agency and spoke with XXXX XXXX who advised me the incident had nothing to do with him he just collects the money. I faxed copy of my bank statement and fair credit report act to XXXX and they advised they do n't verify if debt is actually yours with written documentation they just call. i spoke with supervisor from XXXX who didnt call me back. This has been a disaster i am a single dad and this is hindering from getting an apartment. Please Help!!!!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a letter from " Customer Care '' in regards to my Elan credit card. The letter was about a refund in regards to the following link : XXXXI checked my credit card statement and noticed they refunded me {$1.00}. I called both " Customer Care '' and Elan and neither could tell me how the refund was calculated or tell me how much I had been charged for the services I did n't receive. They basically said that 's your refund and be happy with it. The supervisor at Elan told me that Elan had nothing to do with this and she had no idea how the refund was calculated and basically that it was n't their fault. Some type of account review or calculation had to be done to determine the amount of each refund. I think as a consumer who was affected by this, I should be allowed to see how they calculated my refund. And also they should have to show me exactly when I was charged and how much. The people I spoke to at Elan are just passing the responsibility and claiming ignorance of the situation. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXXXX/XX/XXXXI am filing a complaint against Wells Fargo bank regarding inaccurate reporting of my Wells Fargo Credit Card account to the Credit Bureaus. 
I have never used my Wells Fargo Credit card - ever. Wells Fargo has reported activity on my Wells Fargo Credit Card account. 
Wells Fargo reports on my XXXX XXXX credit report a payment of {$9.00}, but reports no balance, date of last payment. Wells Fargo reports on my XXXX XXXX credit report a {$0.00} payment, and last payment made in XXXX/XXXX/XXXX, but does not give a balance. Wells Fargo reports to XXXX XXXX Credit report date of last payment as XXXX, but does not report payment amount or balance. Since I have never used my Wells Fargo credit card this is inaccurate and false information. 
I called Wells Fargo regarding this and they told me it was my overdraft protection activity. I have never over drafted on my checking account/debit card. My debit card and my credit card are XXXX completely different accounts. And I have never used my Wells Fargo credit card. I said I would go to Wells Fargo bank and sit with a banker to address this. 
I went to my local Wells Fargo Bank on XXXX XXXX, XXXX. I was told by the teller it was going to be a very long wait, if I would like to come back later. I said no, that I would wait. I saw a banker within a few minutes. 
The Wells Fargo banker had trouble answering my questions. I asked him to call the necessary department or banker on the phone. While he asked some of these questions, the phone banker hung up, is what he told me. Since I was n't getting my questions answered, I asked Wells Fargo banker, to please note that down for me and I would leave in order to contact CFPB. He declined to give me anything that would state what his answers were or that he was declining to write anything down to state his not wanting to. Eventually, he did. I showed him the Wells Fargo reported activity on my XXXX XXXX credit reports reflecting a lot of activity with balances and scheduled payments and the High Balance of {$1100.00} on the XXXX and the credit report from XXXX. He implied he did not know where I got those from. He also told me to get my statements. 
I have never used my Wells Fargo Credit Card so why was there a high balance of specifically {$1100.00}? My credit limit was {$8200.00} in XXXX through XXXX. The banker could not answer most of my questions. So again I asked him to call the online banker. So he called again. He did say that I was given an increase of {$13000.00} XXXX in XXXX and in XXXX of XXXX the credit limit was decreased to {$2000.00}. He was unable to tell me why. There was a {$76.00} balance with a {$15.00} scheduled payment due, the XXXX XXXX was {$1100.00} on my XXXX credit report. Why does my credit card account have any activity on it at all? 
Wells Fargo reports inconsistent, inaccurate information on the reports. Wells Fargo reports a scheduled payment of {$9.00} due on the XXXX of XXXX over and over again. I have never used my credit card so this is false information. 
Please help me get this cleared up with Wells Fargo bank. 

Company response: Company chooses not to provide a public response
Consumer complaint: When we opened our accounts with BB & T, we chose to opt out of overdraft protection. On XXXX/XXXX/15, we had XXXX in our account, not enough funds to cover a purchase made to XXXX. BB & T paid for the purchase and charged us an overdraft fee. The charge should have been declined. 

The purchase was paid with the wrong card on file at XXXX. 

BB & T reorders transactions, paying checks last in order to maximize overdraft fees. This system renders the opt out for payment of debit card transaction useless to the consumer. If checks were paid XXXX or in order, then BB & T would have to decline ACH and debit transactions for lack of funds and the consumer would avoid overdraft fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: My bank mailed a check to Wells Fargo on XXXX/XXXX/15. I have confirmation and can send you an image of it. Wells Fargo claims the mail did not arrive until XX/XX/2015. The payment was due on XXXX/XXXX/15. Wells Fargo charged me {$38.00} for a late payment and will not waive the charge. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX shows as a collection against me but I 've never opened nor had a XXXX account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I called, faxed and sent certified mail to the XXXX Business Bureau asking for the items listed below. They have not validated my debt in any way. 

- The name and address of the original creditor- The original date of default or non-payment of the debt with original creditor- The date the debt was transferred from the original creditor to the third party debt collector- The original balance- The current balance- Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) - XXXX Surety bond information as required by Sec. 392.101- Contract signed with XXXX to prove they are acting legally for another company They have not supplied this information. They have called me a liar and told me they are not giving anything to me because they do n't have to. After not validating my debt they are now lying about their true nature to avoid giving proper proof of their XXXX Surety bond information required by Sec. 392.101 of the XXXX Finance Code. In a previous claim response with the CFPB ( Case number : XXXX ). They stated " We are aware we do not to be bonded in XXXX since we do n't do collection activity. '' They are in fact a collections agency. I am attaching proof of my certified letters and proof that they do collect debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank Of America wo n't help us modify a loan not even with a settlement. We are on active Bankruptcy chapter XXXX and since Bank of America is a XXXX loan and the house is not worth it once I finish my BK chapter XXXX they will not get payment, so I called to get a modification on that loan or a settlement and they are happy to loose their money. They say we do n't qualify for any program they offer but we are underwater and we are willing to work with them to come to a settlement but maybe they will get more money by filling a claim with an insurance stating I was not willing to pay of help. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dental services were provided to XXXX of our children beginning in XX/XX/XXXX by XXXX XXXX XXXX. Primary and XXXX insurances paid their portion and we made copayments, some by check, some in cash. The dentist was arrested in XX/XX/XXXX in an unrelated case and subsequently had his licence to practice in our state suspended and then later, permanently revoked. His practice is now shut down. He sold a debt that he claimed we owed after his license suspension to a Capital Accounts , LLC of XXXX TN, which is a collection agency. The collection agency contacted us and we asked for validation of the debt as we have all of our insurance statements and did not believe we owe this debt. We never received verification. After making recent inquiries into our credit reports, my husband and I realized that the collection agency had been reporting this on our credit reports. Since we noticed this, we immediately filed disputes with XXXX online. We have since filed another dispute as they have not removed from our credit file. Due to this, we have been monitoring our credit regularly and have noticed that the collection agency has been steadily increasing the amount owed on our credit reports as though they are charging some type of interest, which is in violation of the FDCPA. Other than the phone call from them, we have never received XXXX piece of mail, or a bill, or any other type of validation from this company, and the only place we have viewed anything from them is on our credit reports. We dispute this debt in its entirety and wish to have it removed from our credit reports. We have also reported this violation to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This complaint is against TransUnion Credit Bureau and related to complaint # XXXX. TransUnion is reporting from my mortgage servicing company XXXX XXXX XXXX a Derogatory status. This is inaccurate and seriously wrong status. My loan has never been delinquent or not in current status with XXXX XXXX XXXX. I have submitted documentation with complaint XXXX. This inaccurate status has impacted my credit report and caused me harm. Additionally, it is violation of the CFPB laws. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have applied for Wells Fargo XXXX and I was told by a rep, that each point I earn on the card I would be able to redeem for XXXX cents per point. When I log in into my account I see only redemption for XXXX cents. i called numerous times about it, but every time I 'm told bank is looking into it and they have created case # XXXX. No other updates at all. 

Company response: Company chooses not to provide a public response
Consumer complaint: my name is XXXX XXXX i live at XXXX XXXX XXXX XXXX ga phone XXXX i had an agreement to pay XXXX XXXX a month but overpaid them because im on a budget and wanted get caught up knowing i would not have all the money next month but they stated the remainder went to the balance yet it was not in the agreement and they allowed payment knowing this and mislead me. i cant pay XXXX this month which they are asking and they refused to take the difference. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear Sir\Madam : My Experian Member # XXXX. 
On XXXX XXXX 2015 i visited Experian website to order my XXXX credit bureaue reports and today ( XXXX XXXX 2015 ) when i checked my credit card statement i was taken by surprise that i was charged additional {$23.00}. So i called Experian and learnt from them that this charge is about membership credit monitoring that i did n't authorised nor i enrolled myself. They mentioned that it is automated enrollment and only gives 7 days to cancel. you can not force consumer for auto enrollment without there consent and it is fraudulent malpractice company like Experian uses to extort money from consumer without there consent and knowledge. 
Foremost, auto enrollment is been forced where many consumer like me are taken by surprised and should be stopped and this kind of hidden game should be stopped immediately and full refund should be given to all consumers who became victims of there scams. Experian should penalised heavily to teach them lesson. 
I hope that CFPB is for consumer and not for company like Experian. 
CFPB are our last hopes that many consumers like me depend on. 
Please kindly look into it and help me to get my refund. 
Doing so is greatly appreciated. 
ThanksRegardsXXXX XXXX 

Company response: Company chooses not to provide a public response