AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Please accept this as a formal complaint against TransUnion Credit Reporting. 
I am writing to dispute the following information in my credit file. I have circled the items I dispute on the attached copy of the report I received. 
This item XXXX Mortgage # XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, a HELOC loan established XX/XX/XXXX with a balance of {$100000.00} shows as 'status : pays as agreed - activity description : transfer/sold - remarks : transferred to another lender ' is erroneous because the house that I owned was short sold back in XX/XX/XXXX. The account should show a 'closed status ' since I longer own the property located at XXXX XXXX XXXX XXXX , XXXX XXXX ( APN # XXXX ). 

Background info : Shortly after acquiring the property in XXXX in XX/XX/XXXX, approximately one month later, XXXX XXXX sold the servicing rights to XXXX Mortgage ( which is what shows in my credit file ). The servicing rights were sold again to XXXX in or around XXXX ( is not reflected in my credit file ). XXXX filed for bankruptcy and the remaining assets were acquired by XXXX in or around XXXX including my loan, account number # XXXX. XXXX is reporting in my credit file as the loan remains outstanding. 

I am requesting that the item be either removed or corrected to reflect the account has been closed or settled to correct the information. This error is adversely affecting my FICO. 

Enclosed are copies of the all legal and recorded documentation indicating that as of XX/XX/XXXX I am no longer responsible for this property : Copy of The Substitute of Trustee & Deed of Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Copy of The Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Mortgage ( XXXX ) Outgoing wire sent by XXXX XXXX Title Company to XXXX for the short sale pay off dated XX/XX/XXXX Escrow settlement statement Short sale approval letters by both XXXX and XXXXPlease investigate this matter and correct the disputed items referenced above as soon as possible. 

Company response: Company chooses not to provide a public response
Consumer complaint: This debt is in legal dispute at Superior Court of XXXX XXXX. Also, it was subsequently assigned to another Collection Agency And both are showing on my credit report. I have made repeated requests to have this removed since it 's been assigned to another agency but nothing has been done as of XXXX XXXX, 2015. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I regularly make on time payments online to the credit card " XXXX '', fromantic XXXX. For some reason, a payment I made online in XXXX was not taken from my bank account. When I called to find out what had happened, the employee I spoke with said he saw the payment and to " give it a few days ''. So, I waited, and saw that it still had not withdrawn. I called back and the employee I spoke to asked which website I paid on. Apparently, according to him, they sent out emails that the website changed. I received no email, and told them I ticked on the card 's site " Paper Mail Only '' option. He said that the company decided to send emails because it was " so sudden a change ''. Yet, I was still able to make payments online on the old site. Unfortunately the payments did n't take. There were no disclaimers or notices on the old site that they changed addresses. The employees I spoke with previously did n't even mention the site change. I disputed with them, and they eventually admitted fault and refunded my late fees and took the payment. However, the credit reporting was reported as over limit with a number that did n't even reflect my balance. I called to dispute it again, and they said it would be taken care of. As of XXXX, nothing was done, and the balance still did n't match the reporting. I had a balance of XXXX, yet they reported it as XXXX. They were also reporting me as 30,60,90 days past due. I disputed with trans union and they found my claims to be correct. NOTHING has changed on the credit reporting as of today, XXXX/XXXX/2015. My credit has been SEVERELY damaged because of this. Now, they are saying my payments do not go through online because of an incorrect account number, yet, nothing is wrong. After disputing it YET AGAIN, they refunded the late fees and took my payment over the phone ( at a XXXX phone pay fee ). Now, my payment was due yesterday, but still has n't posted on my bank account. I double checked my account info on their website and it is correct. I have a feeling they are going to try to get me to pay for the over the phone fee yet again. This is criminal practice. The last rep I spoke with told me that being over balance would n't hurt my credit, then proceeded to ask me personal questions about where I live. This is illegal, is it not? I want my credit back, these criminals held accountable, and this balance fixed! 

Company response: Company chooses not to provide a public response
Consumer complaint: i JUST WANT MY CREDIT REPORTS TO START ON MY IDENTITY THEFT SITUATION. THIS IS A NIGHTMARE 

Company response: Company chooses not to provide a public response
Consumer complaint: muliple inquiries on XXXX XXXX, 2015 that were not autorized 

Company response: Company chooses not to provide a public response
Consumer complaint: To give you a little bit of background, I have XXXX accounts on my online banking. My university charged me the normal monthly bill and for some reason, it charged my checking and not my e-banking account. I honestly do n't even know what the difference is. I just keep money in the e-banking, because that is what gets charged when I used it at the store, online shopping or any time I swipe it. So, the charge went through and BoA without any warning or email to allow me to transfer funds stamped a {$35.00} charge on my account. 

Now that may not seem like much to you, but I am a broke college student and to me, that is 4 hours of work. I kindly tried to explain this to one of your customer service people and they replied with " Well can you have your university write us a statement explaining the mistake? '' What?!! I do n't even know if that is possible and if it is, it would be incredibly time consuming. " Well it would be really helpful for your case. '' I have hundreds of dollars in my e-banking that could have been simply transferred over. But that did n't matter to BoA. 

I have been a loyal customer since the day I opened my first bank account with BoA and sadly, after today, I will have to close it. I am in disbelief that your institution which is supposed to be helping young adults save and grow their money, endlessly throws fees on their accounts. Your bank steals money from people in any way it can. There is a reason why year-after-year BoA has received some of the MOST customer complaints out of any banks. That should be a wake up call or in my opinion, a slap in the face. Not only did this situation ( which has happened too many times to count ) make me really angry, but it means that I wo n't be buying groceries this week. I would have stuck it out and remained with BoA if your customer service representative had simply just refunded the {$35.00} charge. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, I filed the paperwork to start a chapter XXXX bankruptcy and advised XXXX XXXX XXXX and Quality Loan Services ( trustee handling the foreclosure action ). Without getting a relief of stay, the foreclosure sale was rescheduled to XXXX/XXXX/2015, which is a violation of the stay. The sale should have been cancelled, since all foreclosure activities are supposed to cease, and the trustee 's sale ca n't be reset until after the bankruptcy. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We noticed on our monthly mortgage statement a charge for " repair '' for {$200.00} XX/XX/XXXX. We inquired about this fee XX/XX/XXXX, and were told it was for Code Enforcement. We have never received any communication from Code Enforcement, so we requested a receipt or invoice of what was paid to be sent to us. We called Code Enforcement, and they had no such record. A week or so later, we never received the invoice. Today, XX/XX/XXXX, we called back to inquire on this charge, and after spending an hour and a half on the phone being bounced around their system, we finally spoke to XXXX at x XXXX. XXXX was less than helpful, but did say the fee was charged to file with the county that the house was vacant? I am not sure why something like this would be filed ; we have lived in our home, continuously, for just over eight years. Green Tree refuses to refund the payment, and is forcing us to pay this bogus fee, or else we are subject to their deceptive collection practices of late fees and the like. 

In addition, we paid them, accidentally, twice in XX/XX/XXXX due to the change in payment - since our bill pay feature was incorrect. So, in XX/XX/XXXX we paid twice the required amount. Now, Green Tree refuses to apply the second payment toward our XX/XX/XXXX bill, again, giving rise to the possibility of additional fees. 

Lastly, we applied for a second mortgage modification XX/XX/XXXX, given our XXXX mortgage was already modified. We received an IRS form XXXX for the relief of the XXXX mortgage balance to file with XX/XX/XXXX taxes, to this day ; we have not received any disposition other than the IRS for from Green Tree. We have spent hours on this matter to no avail. Each time we call, roughly once a month, we leave our names and numbers but do not ever hear back. This service is poor at best and illegal at worst. Please help us right our mortgage account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Ally Bank uses criminal thuggish tactics in an attempt to collect payments because I fell behind in my car payments. Their tactics have caused me and my mother unreasonable harm. For example, last week on Monday XXXX XXXX, 2015, at XXXX XXXX, an agent of Ally Bank, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, repeatedly called my mother 's home. In Particular, one person who called, identified herself as XXXX XXXX, she pretended to be a law enforcement officer by stating that " she was with the investigation unit. '' She also disclosed that she was trying to reach me because they wanted me to turn in the car implying that it was a criminal violation to owe money on a car loan. That is bad, because it appears to be a violation of my consumer protection rights and a UDAAP. It is certainly an unfair practice that puts the bank and its depositors at risk because of possibility of claims and damage to their reputation - especially if XXXX XXXX takes interest. 
As I said, that was bad, but it was not as bad as it gets. Later that night or rather in the middle of the night at XXXX XXXX the next morning, another agent of Ally Bank, XXXX XXXX XXXX of XXXX XXXX, actually came to my mother 's house. He pounded on her door and woke her up in the middle of the night! 
Imagine this : she looks out the window and sees someone with a flashlight in her side yard and backyard - and then actually pounding on the door in the middle of the night. She opened the door to a man in a uniform with stripes on his pants who identified himself as from the " XXXX Investigative unit! '' saying he was looking for XXXX XXXX. She said " for what? '' he repeated the question and then said he was looking for XXXX 's XXXX XXXX. My mother told him she was calling the local police. She then came back to the front door with her phone in her hand and asked for his name and rank, He handed her a paper and said " You are served!!! '' She was scared to death, he appeared to be armed, but as she said she was calling the police he quickly left. He tore down the street out of town and went back to XXXX, XXXX where we believe that operation is located. My mother was confused and did not call the police. She then looked at the paper he gave her and then she read that It only said " Sorry I missed you. '' I have the paper for you to review. But their tactics made her believe it was a legal process. Again, what government agency allows people to pretend to be law enforcement and knock on peoples ' doors in the middle of the night? 
Finally, I tried to catch up on arrears because of this intimidation and then they told me that they would not take the back payments that I had to pay the balance in full plus additional charges for their thugs. My account with Ally is XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: My vehicle was totaled by my insurance company due to extensive hail damaged. When I contacted my lender, Regional Acceptance Corp, I was told that the GAP policy would cover the remaining balance after my insurance company paid a settlement to the lender. The GAP did not cover the full balance because, as I was told, it did n't compensate for extension processed on the account. I did not receive any disclosures indicating such, and this could 've altered my decision to accept an extension on monthly payments that I fell behind on. Therefore, I 'm requesting that the deficiency balance be waived by the lender, and all negative credit impacts be removed from my credit report to reflect that the loan is paid in full. I feel taken advantage of because of this and the outrageous interest rate given to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Case number : XXXX followed the correct measures and filed my complaint. The collection agency ( Enhanced Recovery Company , LLC ) admitted they had the wrong data and would close the collection account on XXXX XXXX, 2015. 

Now, two months later it still shows as a derogatory item on my credit scores ( all XXXX bureaus ) and it seems that Enhanced Recovery did not follow though with their promise to remove this negative item from my file. 

They never provided me with any information or account # 's in their initial contact with me. This company is extremely unprofessional and are abusing their abilities to ruin people 's credit. 

They have not followed through with their promise to remove this from my credit file. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I opened a bank account with Wells Fargo about 3 weeks ago. I told them that I did XXXX for companies all over the world. I also told them I would be receiving many wires from all over the world for services I did. They told me that this would not be a problem. Well, so I recieved a wire for {$990.00} for XXXX services I did. Then I received XXXX more wires into my account for other services/website design I did. Well, then I contacted them to find out when I saw there were no pending transactions to ask about withdrawing my funds the following Monday. This was the previous Friday I called them on. At that time, I was told there was a hold on my account and that I could not get my funds out then. I was told because the customer I did work for received their completed XXXX services a little late eve though I did complete services for them that the customer claimed this was an unauthorized wire. I was also told verbally and in writing in a letter that my account was slated to be closed on today, XXXX/XXXX/15 and for my funds to be sent to me in a check on this coming Monday, XXXX/XXXX/15. Well, I called Wells Fargo fraud department today to ask what the status of my account was since I could still view it on line. I was told that they had sent out for information from XXXX XXXX and was waiting on a response back that they had not recieved and because this information was not received, that they were pushing the account hold back to XX/XX/XXXX. They did not say they were closing the account down then and sending me my funds which total a little more than $ 13,000+. They only told me that they would post notes at that time and that I could contact them on XX/XX/XXXX to see what the status was at that time. 

I have talked to all levels of management all the way up to and including the regional manager who all did what they could but got no favorable resolution. In fact a committee that this matter was escalated to in order to see if they would release my funds early said no. They also told me they would release my funds on XX/XX/XXXX and send them out to me in check form on Monday, XXXX/XXXX/15. They have not done this at all and now say my hold on my account is delays again until XX/XX/XXXX in spite of the fact that I have a hard copy letter stating that i would be sent my money on Monday, XXXX/XXXX/15 which I was told b Wells Fargo fraud department will not happen 

Company response: Company chooses not to provide a public response
Consumer complaint: I have several accounts that are listed with this company that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX error from trans union no report recieved 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, I filed the paperwork to start a chapter XXXX bankruptcy and advised Select Portfolio Servicing and XXXX XXXX XXXX ( trustee handling the foreclosure action ). Without getting a relief of stay, the foreclosure sale was rescheduled to XXXX/XXXX/2015, which is a violation of the stay. Both SPS and XXXX sent letters advising the sale was rescheduled. The sale should have been cancelled, since all foreclosure activities are supposed to cease, and the trustee 's sale ca n't be reset until after the bankruptcy. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We entered into a loan modification with Bank of America. A bilateral agreement. B of A told us if we pass a 3 month trial period as agreed upon, we would get a loan modification. After successfully passing the 3 month trial period and proceeded to asked for the status of the loan modification the following month, B of A said the papers were being processed in New York and to continue making the new agreed upon payments. Nine months later B of A breached our lawful contract and denied the loan modification on some vague excuse that we made too much to qualify. In addition, B of A demanded that all the fees of the original loan including late charges be bought up to date and soon after proceeded with foreclosure. B of A filed felony documents in support of the foreclosure in the county hall of records. We filed a complaint with the Superior Court. The trial Judge dismissed the felony as a mere technicality. The actual words the Bank used was that " this kind of arrangement is commonplace and entirely proper within industry. '' Filing false documents is both a State and Federal felony offense. I successfully submitted an appeal to be assigned. 

Company response: Company chooses not to provide a public response
Consumer complaint: My Experian credit report shows a write off on my Wells Fargo Dealer Services account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX as well as XX/XX/XXXX XXXX and XXXX XXXX. I have made repeated attempts to clear this up. The account was paid in full in XXXX XXXX with no late payments or write offs. The account was opened in XX/XX/XXXX XXXX for a 48 month car loan. I received the tile release and a letter stating the account was paid in full in XX/XX/XXXX. 
Now they are claiming write off? I have called and written Wells Fargo and they tell me they do not know. There is no way after sending a paid letter and a lien release that they would write off something in XX/XX/XXXX and XX/XX/XXXX.What car loan company send a title release when the vehicle is not paid for? 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, I was making a purchase at Macy 's ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) and was offered an additional discount if I " opened an account. '' I was under the impression that it was a loyalty account, but was told after entering personal information that it was for an application for a credit card. I was misled because the term credit was not used in the pitch. I made an immediate request to the store clerk to withdraw my application since I did not want my credit to be checked. 

The store clerk phoned Macy 's customer support, XXXX ( # XXXX ), and was escalated to XXXX ( # XXXX ), and was further referred to Macy 's Real Time Credit Card division, who I spoke with XXXX ( # XXXX ). I was told that my application was pending and that I would receive more information in the mail. Again, I requested to withdraw my application since my application was pending. 

My complaint was escalated to XXXX ( # XXXX ), who later retorted that my application was pending, and another request to withdrawal my application since the status was pending. It was then escalated to XXXX ( # XXXX ) who revealed that my application was an automated hard credit check and was declined. 

I had no intention of applying for a credit card and was misled into thinking that:1 ) the application was not for credit or a credit related product and2 ) that my application was pending, so the application could be withdrawn. 

These predatory lending tactics ( i.e. bait & hook at the point of sale, undisclosed verbiage, automated hard credit checks ) is misleading and is detrimental to my credit rating. 

I want the application for credit withdrawn and stricken from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are XXXX issues that is so frustrating. I have a freeze on my credit report since 2008. However, I am receiving credit cards, and loan offers from companies. The second issue is with XXXX and Experian : Each time I want to lift the freeze from my credit report temporarily I have to send a letter, copy of my ID, bills, copy of my social security card etc., despite the fact I was issued a PIN NUMBER number and I was informed that I could remove the freeze temporarily online. Finally, it is most difficult to speak to a representative over the phone regarding such matters. It is not difficult to speak to a representative for services that the consumer reporting agency is selling such as credit tracking. 

Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: Basically it appears to be a Transunion Scam. When you try to get the second Credit report a page appears from Transunion asking you to purchase for {$17.00}, a Credit Monitoring/report/score service an the Computer screen will not allow you to bypass this request. So we " could not '' get the reports for XXXX or XXXX, because of the issu with the Transunion advertising blurb constantly coming up in between the Annual reports. 
Why have it available if it does n't work! XXXX ... XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, I discovered an account from Account Services Collections on my credit reports. I contacted them and they agreed to remove this from my reports if I paid the account in full. I paid the account. They sent a receipt and a letter stating that they had requested it be removed from my XXXX, XXXX and XXXX reports. It has not been removed from either XXXX or XXXX as of XXXX XXXX, I disputed the account with XXXX and Account Services Collection verified the account and updated the account to " Paid ''. This was not what was agreed upon. 

They have used false and misleading statements in order to get me to pay this account in violation of the FDCPA. 

Company response: Company disputes the facts presented in the complaint