AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: For the past several months, I have been disputing several inaccuracies that are Hsted in my credit report I have written three letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX XXXX Bureau : Experian Account Name : XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX Account Number : XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: have written XXXX letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Transunion Account Name : XXXX XXXX Account Number : XXXX XXXX Bureau : Transunion Account Name : XXXX Account Number : XXXX Bureau : Transunion Account Name : XXXX XXXX Account Number : XXXX Bureau : Transunion Account Name : XXXX XXXX Account Number : XXXX Bureau : Tarnsunion Account Name : XXXX XXXX Account Number : XXXX Bureau XXXX Account Name : XXXX XXXX Account Number : XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: TransUnion is the only credit reporting agency reporting inaccurate information of the bureaus in this case. After disputing numerous accounts that are inaccurately being reported on my credit report, TransUnion failed to delete the inaccurate accounts and continue to refuse to provide me with acceptable proof of the documents used to unequivocally verify and determine the XXXX credit card accounts ownership. As of now, TransUnion is in violation of federal law as the 30 days allotted have passed and the referenced account has not be sufficiently been verified. Under Section 611 ( 5 ) ( A ) of the FCRA, TransUnion is required to " ... promptly delete all information that can not be verified '' that has been disputed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was checking my credit score on XXXX XXXX this norning and saw there was XXXX open account and about feel over. This was with america servicing company which was a nightmare in its self. long story short we filed bankrupsty on XX/XX/XXXX and reaffirm to keep the home. 
I tried to refi to lower interest rate and was told numerous we did not qualify, finallly in XXXX XXXX our house was auctioned off .and sold We live in a rv and lost everything. All I would like is to have this corrected how can I still owe on a home that is already sold nearly 6 yrs ago. please help me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I served as a guarantor on my former colleague 's apartment rental lease, for some reason my colleague owed the landlord ( XXXX ) a debt of {$220.00}. The landlord sent this debt to a collection agency without noticing me, and the collection agency ( Collection Service International ) reported this debt to the credit bureau without noticing me in advance neither. On XXXX XXXX 2015, I got a debt collection notice from the collection agency, I was told that this debt was reported to the credit bureau at the end of XXXX and had affected my credit history since then. 

I contacted them on XXXX XXXX 2015 and questioned why not notice me before reporting the debt to the credit bureau, they said they are not required to. I was also asking them to provide a written document that shows it 's not required to notice me before reporting to affect my credit history, they refused to do so as well. 

I am not very comfortable to bare the damage on my credit history without knowing what 's going on. No of the three parties ( my former colleague, the landlord or the collection agency ) have noticed me of this debt in advance. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I FILED A CHAPTER XXXX IN XXXX XXXX. IN XXXX XXXX MY CHAPTER XXXX WAS COVERTED TO A CHAPTER XXXX. ANY DEBT THAT WAS CREATED BETWEEN XXXX XXXX AND XXXX XXXX ARE TO BE DISCHARGED. SEE XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). I HAVE NOT HAD ANY SUCCESS WITH GETTING THESE ACCOUNTS REMOVED FROM MY CREDIT. 
*XXXX SHOWS PURCHASED BY ANOTHER LENDER. THIS ACCOUNT SHOULD NOT BE SHOWING ON MY REPORT AT ALL, THE ACCOUNT WAS OPENED IN XXXX XXXX. 
*XXXX- SHOWS PURCHASED BY ANOTHER LENDER. THIS ACCOUNT SHOULD NOT BE SHOWING ON MY REPORT AT ALL, THE ACCOUNT WAS OPENED IN XXXX XXXX. 
*XXXX- SHOULD NOT BE SHOWING ON MY REPORT AT ALL. THE ACCOUNT WAS OPENED IN XXXX XXXX. 
I HAVE SENT THE EXPLANATION OF BANKRUPTCY DISCHARGE IN A CHAPTER XXXX CASE THAT I RECEVIED FROM THE BANKRUPTCY COURT WITH MY DISCHARGE ORDER TO THE XXXX BUREAUS. IT STATES CLEARY " IF THIS CASE WAS BUGUN UNDER A DIFFERENT CHAPTER OF THE BANKRUPTCY CODE AND CONVERTED TO CHAPTER XXXX, THE DISCHARGE APPLIES TO DEBTS OWED WHEN THE BANKRUPTCY CASE WAS CONVERTED. '' I HAVE BEEN SUCCESSFUL WITH SOME OF THE COLLECTION COMPANIES WITH CLOSING THE ACCOUNT THAT THEY PURCHASED ONCE I SENT THE THE PROOF. I CAN NOT GET THE CREDIT BUREAUS TO DELETE THE ORIGINAL ACCOUNTS FROM MY CREDIT, THESE ACCOUNTS ARE DISCHARGED DUE TO THE CONVERSION. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid XXXX in full in XXXX 2012 after they left defective exchanged mattresses, boxsprings on my sidewalk outside my building which is illegal in XXXX due to bedbug epidemic, I stated that I would take XXXX to small claims court if they did not reimburse {$500.00} I had to pay for immediate removal as they would not send drivers back to pick up. Also, originally XXXX 's claimed they did not receive returned merchandise, but that is because their drivers dumped on my street. After numerous calls to XXXX 's corporate, I paid in full and closed my account after speaking to corporate minus the {$500.00} I had to pay out of pocket. Now it has been 3 years and debt collector seeking original debt plus the {$500.00} I paid out of pocket and an additional over {$1000.00} in fees. This was paid and closed in 2012. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a checking account with Wells Fargo and was told in order to open a new account I would have to open a savings account with {$25.00}. So I did this. A few months later I noticed that my balance had decreased. Wells Fargo had been taking a monthly service charge. 
I had not been informed of any service charge at all on my new savings account when I opened it. I called Wells Fargo and they agreed to reverse the service charge but I had to comply with XXXX of XXXX options so I would no longer have a service charge. The option I chose was to main- tain a {$300.00} balance. I transferred {$300.00} to the savings bringing the total amount to {$320.00}. Today I noticed again they took out a service charge even though I was compliant with the rules. I am so tired of Wells Fargo sneaking fees from me. They have done this years ago to me only our balance was {$1000.00} but since we had no activity for 12 months so they service charged us. We also were not aware of that rule. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed the amount via mail twice within the initial 30 days of being charged. The issuer however have not fully investigated the amount I am disputing and keep closing the dispute without telling me. 
I will not pay for charges made for services not received. I do not feel the credit card issuer is unbiased since it is the same company who charged the amount, they are not looking out for the best interest of the card holder me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a dispute with my bank on my XXXX debit card due to poor quality of goods purchased. I tried to work with the supplier but they refused to allow me to return the merchandise so I filed a dispute with the bank. I was issued a provisional credit. Recently received a letter from my bank basically telling me that they could do nothing about my dispute did not even try to chargeback the supplier. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently received an email from Bank of America ( BOA ) stating that there was a potential fraudulent charge on my VISA card. Rather than call the phone number in the email or click on the link, I went directly to the BOA website. I could n't log in and received a message stating that I could n't access my account, try again later. I also called the phone number on the back of my BOA VISA card. 

I called twice a day, at different times, for 6 days and waited on hold each time for 30 minutes and then hung up. I also continued to try to log into my account, also with no success. This was very disturbing. I finally posted a complaint on the BOA XXXX web page. Several days later I received a phone call ( voice message ) with a new phone number to call. After 15 minutes on hold a representative answered. When I explained why I called I was told that BOA already paid the transaction and that is was n't potential fraud, it was actually a " disputed charge ''. I was told that I was locked out of my online access and I was given the original phone number to call again. I asked if there is an address I can write to and was told no, I can only lodge a complaint by phone. To prevent further charges to my account and because of my inability to reach BOA, I then canceled my VISA card. 

This lack of service/concern is totally unacceptable from a major financial institution. When I received my bill in the mail I saw that the charge was {$99.00} plus international transaction fees for a supposedly free product from a company called " incredible cigs '' and monthly additional charges. I could n't lodge a dispute with BOA, so I paid the bill and will not do business with BOA again. I did find a mail address to write to on my just received bill, but I am on vacation and will now hand write a dispute, but I have no hope that BOA will honor my dispute. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is continuation of my Case number : XXXX on XX/XX/XXXX I specifically was told my citi bank customer service account manager XXXX that my account had been closed. She also added to reopen the account my credit needed to be pulled again. I refused, and said no, I do not think that should happen as I did everything as a customer to resolve the issue 's and I have another credit card active with you so you do n't need to do that. She then recommended I write to the president to request my account be opened without pulling my credit. 

Today XX/XX/XXXX I spoke to XXXX, and she let me know my account was reopened and the bank did pull my credit. I was surprised to hear this, as I specifically told the agent the day before since the bank decided to close my account without notifying me, I did n't want to reopen it if they were to pull my credit and I will handle on my own and write to the president. It did n't matter, Citi bank then opened my citi card account and did n't care and still pulled my credit. 

CFPB, Is that the right way to handle customers? I have banked with them 4 year 's and have XXXX credit cards with them and pay on time. The returned payment was the reason they closed my account but it was ( XXXX ) transactions only because the checking account was no longer active, and I accidentally selected it in error but called immediately to resolve this and offset the negative balance by processing payment 's over the phone. 

I now have XXXX $ in returned fee 's and I requested those to be waived also due to this whole mess or opening and closing my account 's when they feel like it. Please help me, I feel helpless, and I have built my credit responsibility, and my score is now XXXX, I would not deserve the score to be affecte due to citi bank 's error. 

Company response: Company chooses not to provide a public response
Consumer complaint: Stellar Recovery Inc listed a collection account on my credit reports which I have no knowledge of. I have no clue who this company is or what account they have listed on my credit reports. I have received no correspondence from this company regarding any account. They have fraudulently accessed my credit report, and I am disputing this account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am a Realtor of 30 years and my family was severely impacted when the financial markets collapsed in XX/XX/XXXX. Since that time our family had to file bankruptcy to save our house because we could not get Wells Fargo to approve a mortgage modification. As a result of that filing, and without a mortgage modification we had to reinstate our loan for our primary residence by pulling a large amount of money out of our retirement account. Our bankruptcy was filed XX/XX/XXXX and discharged XX/XX/XXXX. Our primary residence is still carrying a 6 % loan, as we have been unable to refinance due to the neighborhood values and most importantly the mortgage was sold through the secondary money market. In addition, due to a lawsuit we had to file against XXXX to secure a modification for an investment property we are being told by the banking community our loan modification is seen as a short sale. So with the combination of a secondary market loan product and short sale we are still unable to refinance our family home. Why is our family being discriminated and penalized against obtaining a refinance on our primary residence residence when not one banker has been held accountable for the financial collapse of this country? This is pathetic! 

Company response: Company chooses not to provide a public response
Consumer complaint: I spoke with Shell/CBNA Credit Card back in XXXX of XXXX to ask them in good faith to remove the bad marks on my XXXX credit reports which were only ( XXXX ) 30 day late payments. Instead they now have moved the dates of my Charge Off on my credit reports from XXXX XXXX being the last date reported to now being XXXX XXXX and it is being continually reported. This has dramatically affected all XXXX of my credit reports for an account that was opened XXXX of XXXX and closed XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: On 6 occasions in the last 5 months, my debit card has been declined for " unusual activity '' at Bank of America. I have called on numerous occasions to determine the reason for the fraud alert, as the transactions have always been in my local area, within what any reasonable person would consider normal activity, and for low dollar amounts. Upon an inquiry/complaint call, I had asked for a supervisor to research the reason for the decline and to return my call with the results. However, I did not receive any further communication from Bank of America. On a subsequent debit card freeze, this oversight was mentioned to the representative, but I was not offered a specific explanation as to why the transaction was deemed " suspicious. '' On the most recent occasion ( today ), I was told that the error was a " mismatch, '' which was explained as the merchant not using a EMV chip reading device. However, my card is swiped at many merchants, and these fraud alerts are not triggered. Furthermore, I have traveled to various locations in the US during my relationship with Bank of America, and never once has a single transaction been flagged for potentially suspicious activity. I contacted Bank of America to compile every occurrence in order to accurately complete this complaint, but I was told that Bank of America associates do not have access to retrieve that data beyond XXXX XXXX, XXXX. However, I was able to filter through my e-mail account and retrieve all e-mails that were sent to me on each occurrence of a suspicious activity alert. I feel that these declines were malicious and targeted, especially considering my warning to Bank of America that a complaint would be filed should this situation occur again. It is incredibly embarrassing to have a card declined at a merchant when funds were always available in the account and this has occurred on numerous occasions in such a short period of time. 

The dates this issue occurred ( since Bank of America is unable to adequately supply this information ) are : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX I find it ( and Bank of America should, too ) ridiculous that a consumer must experience so many issues with his/her debit card and that nobody took the initiative to research and provide a valid solution. This issue was left to continue for an indefinite period of time, even after frustrations have been communicated. 

Company response: Company chooses not to provide a public response
Consumer complaint: Called and left a VM asking if this was a good number to contact XXXX XXXX ( my wife ), said she had a case file in XXXX County, left number as well as a " case reference '' number. Refused to give me their address after 6 repeated attempts. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX called from NE Processing and said they were filing a case against me. Never said she was calling from a debt collector per FDCPA. She also called my husband. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Sometime in XXXX XXXX I started receiving letters from XXXX XXXX XXXX from Key2Recovery regarding a debt to a school that I do not owe. At first, she acted professional, but later on she became very rude and uncooperative. I had taken out a private student loan through XXXX XXXX about 6 or 7 years ago, and am still paying on it. I moved from XXXX at the end of XXXX XXXX, and let XXXX know that I did n't have a mailing address yet but that I would give it to her once I set up a XXXX XXXX XXXX She called me several weeks later asking if I had received the document proving that I owed money to the school, and when I asked her where she had sent it, she said it went to XXXX. I reminded her that I left a voicemail as soon as I moved to XXXX and got my XXXX XXXX XXXX with my new mailing address, but she became very rude and said that she sent it and was n't going to send it again. She also called me " uncooperative '', when I have been trying to do everything I can to figure out what is going on. She has been calling me ever since then, even at strange hours of the evening ( XXXX my time, XXXX her time ). This is all very odd, especially since I have not changed my phone number since I attended the school, so I do n't see why they never called me in the past 6-7 years if I somehow did owe them money. I have even tried calling the said school several times, but have not heard back. I work at a bank, and have heard of a few debt collection agency scams recently going on, so I know better than to just send off money to them without questioning it. So far, I have not had any proof of anything that I have signed saying I owe this school money. I am still paying XXXX XXXX for the student loan, and everything that has occurred thus far has led me to believe this is fraudulent. It also seems that XXXX has violated the Fair Debt Collection Practice Act. It would make sense to me that if I did indeed owe money to the school, they would probably contact me, and XXXX would have happily updated my address when she was on the phone with me last time ( rather than being rude and saying that she already sent the document proving I owed the debt, and that she was n't going to send it again ). Be that as it may, everything about this seems very fishy, not to mention the fact that a strange number ( XXXX ) keeps calling me, without leaving any voicemails. When I looked it up online, it is a credit management company ... and apparently in XXXX, XXXX authorities arrested XXXX people for what they said was a XXXX scam by a debt collection company that victimized more than XXXX people, and a prosecutor said a wider crackdown was underway. Scary. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The status of the payment history on my Mortgage account is incorrect. 
Hi. My issue concerns the lack of accurate and proper reporting of payments on my credit report. I have never been late with my payments. I have actually paid 90 % of them early. This is concerning my Mortgage payment history with a company named XXXX XXXX XXXX XXXX XXXX XXXX. Once again, I have never been late with even a single payment to them. However, XXXX has reported me as being late 9 times and at 180 days late on each XXXX. I have receipts for each and every XXXX of them to prove it too. I am including them. There are no late payments at all what so ever from the time the mortgage was originated in XXXX until right now. Not a single XXXX. These inaccurate and derogatory payment history reports need to be removed and corrected immediately. I have tried to resolve this very simple and easily solved issue for more than a year at this point between XXXX and the Credit Reporting Agencies. XXXX stated in XXXX to the CFPB that XXXX is reporting correctly and it was the Credit Bureaus that are making the mistake and reporting it incorrectly. 
Having XXXX day undeserved late marks on my credit history is absolutely devastating my score, my ability to gain other or build other credit, my ability to create seasoned accounts/length of time, stripping me of the security of having credit cards or gaining access to loans should any kind of life emergency take place and the list goes on. It is also serving to make it even harder to gain access to a decent Mortgage Lender or Mortgage Rate and get away from XXXX too. 
I am submitting The original Mortgage Docs which clearly state that payments are due on the XXXX of the month and that the payments start on XXXX XXXX XXXX. I am also including the letter of transfer from XXXX stating that all payments made on or after XXXX and on will be made to XXXX. ALL payments have been made on time or early the entire time. I am including copies of the receipts of every last single XXXX of them.One may go through from front to back.back to front or however one would like and will see very easily that all of the payments were made on time or early. Next months Mortgage payment will also be made over 2 weeks early XXXX XXXX XXXX ). This issue has stopped me from moving forward and caused a lot of damage. The time is lost, it can not be fixed. It can never be gotten back. This issue needs to be resolved and reported correctly immediately. I have all of the proof in the world that I have made my payments on time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a car using Coastal Credit LLC. I lost my job and fell a little behind. 43 days to be exact. It was n't even XXXX payments, it was XXXX and a half payments behind when they repossessed the car. It 's been just under a year and I 'm trying to make payments. I have paid {$120.00} a month for the past 3 months in which they are taking. I called them to get a bill mailed to me and they said the payments I 'm making are n't enough and they are taking me to court. They also said I could pay {$120.00} a month for the rest of my life and never pay the debt because it is going straight to interest. So basically, my {$11000.00} loan is going to haunt me forever. 

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