AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have experienced what I assume are common problems with TransUnion 's credit-monitoring services. Earlier this year, I attempted to check my credit report by going to XXXX. I must have inadvertently enrolled in ongoing credit-monitoring services from TransUnion. I did not intend to enroll in these services. I assume I mistakenly failed to " uncheck '' a box on an online form. 

I did not receive any benefit from these services. Although I was apparently receiving these " services '' for several months, I only realized that I had enrolled for these services after receiving an email notifying me that something on my credit report had changed. I then noticed charges from TransUnion on my bank statement. I immediately called the TransUnion customer service number posted on TransUnion 's website. Someone answered, and I explained that I wanted to cancel my subscription to these services. The person on the phone asked to put me on hold. She spoke with me a few times over the course of forty minutes to tell me that the computer was having a hard time retrieving my information. Finally, she told me that I had called the wrong number at TransUnion and she was unable to transfer me. She provided me with another number, which I called repeatedly and it only produced a busy single. 

I finally located yet another number on TransUnion 's website. I called and spoke to another customer service person who tried to sell me additional services despite my repeated statements that I was only interested in canceling the services I never intended to purchase. By the end of the call, I believe that the customer service person finally agreed to let me cancel my subscription. TransUnion has not sent me any sort of confirmation, however. 

I realize I should have been more vigilant in reading the fine print and monitoring my bank statement. However, I believe this situation -- inadvertent enrollment in credit-monitoring services and difficulty cancelling them -- is common and contemplated by the credit-reporting companies. Of course, consumers should periodically monitor their credit reports. In part, this is necessary to ensure that the credit-reporting companies themselves have not made an error. Credit-reporting companies should not be permitted to profit from this necessity. I urge the Consumer Financial Protection Bureau to issue rules preventing the credit-reporting companies from bundling any subscription-based services with the free credit report they are obligated to provide under the Fair Credit Reporting Act. Additionally, the CFPB should require these companies ' websites to prominently display the availably of this free annual credit report with an explanation that receipt of this report is not contingent on enrollment for any paid services. Alternatively, XXXX should allow consumers to receive a credit report without directly dealing with the credit-reporting companies. 

Thank you, XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo Bank uses an automated phone system to dial every number on an account. They will non-stop if the system shows a debt owed. This is not a normal phone call. The phone calls come at all hours of the day, and if you pick up it hangs up immediately. It never leaves a voicemail. These phone calls, while illegal, are also only a result of chronic problem with Wells Fargo. They never updated my street address, routed payments to the wrong account, and refused to acknowledge the issue resulting in a faulty past due balance on a loan. There is gross negligence going on in the operations department of student loan servicing at Wells Fargo. By the sound of it even the customer service rep had no idea that the phone calls were of such an abusive nature. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: First, I want to disclose that XXXX and XXXX both have removed this collection from my accounts. XXXX completed their investigation and still has it open. The Amount is {$3100.00} to XXXX XXXX XXXX. The final bill includes {$1100.00} charge for Insufficient Notice Penalty. I have 60 days notice as requested and have the letter of notice. I was also charged {$110.00} and {$97.00} for Water. My water bill NEVER exceeded {$35.00} per month. I requested in writing via Certified Letter copies of those water bills, I was not sent them. Nor, was I sent an explanation of the Insufficient Notice Penalty. If this is not resolved, I will file a law suit against XXXX XXXX XXXX and XXXX. I sent XXXX proof of notice and copies of the Certified Letter requesting copies of Water Bills. I honestly do not believe they investigated this. As stated, the other XXXX credit bureaus promptly removed this from my credit report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I disputed XXXX accounts on Experian with XXXX XXXX XXXX. These XXXX accounts went into collections in XXXX. I paid these in XXXX. They had on my report Collection as of XXXX XXXX. I disputed it and now it shows collection as of XXXX XXXX. Please fix. On my report from XXXX XXXX XXXX ( attached ) they have collection as of XXXX XXXX, so you can see they keep changing the date to seem more recent. I am trying to get a house and do not need this on my report. 

Credit ItemsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a phone call at my place of employment from someone who identified them self as a XXXX XXXX at XXXX who was trying to collect a debt. This is the first contact I have had with this party and have received no mail etc I do not know the name of the company and I have no address to send a letter to request a verification of said debt. I do not want to be contacted by phone at work or at home and would prefer email contact. I need verification of said debt and original creditor and any supporting documents. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My mortgage from XXXX XXXX was sold to Ditech Financial XXXX this year, but not before making a mistake on the Escrow Analysis that raised my payments almost {$200.00} a month. I call Ditech in XXXX and informed them of the error, but they informed me they could not do anything for 45 days. I was sent a letter from Ditech informing me to send a check for the first payment, and Auto-pay would be implemented the following month. I did that very thing. The check cleared on XXXX XXXX, but my account was not credited. I later received a notice from Ditech Collections citing my payment past due. After numerous phone calls, XXXX representative was very helpful to me and discovered my payment had been credited to the wrong account ( this was the first part of XXXX ). She assured me it would be resolved immediately. I also had requested an Escrow Analysis on XXXX XXXX. I received an Escrow statement dated XXXX XXXX citing an overage of {$1900.00}, and a new monthly payment that was about {$3.00} more than my original payment to XXXX. I was to get a refund, but that was to be used for my account if it was not current. I have called Ditech numerous times to check the status of my account, and to date they still have not updated my account and consider it past due. I have not missed a single payment and have provided proof of payment three times. They have consistently told me they " ca n't do anything at this time '' regarding most of my requests. I have been very deliberate in my discussions with them, but have never been insulting nor have I cursed them. Supposedly their phone calls are recorded. Regardless, I have just today received my bill for the XXXX payment, and my account is still listed as past due. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: The deposits that were made for additional principal payments were not fully credited to the principal balance. According to the bank, some of the checks deposited were returned. 
We were never informed of the returned checks. Despite numerous requests to get copies of the returned checks, the bank failed to provide us with copies of the returned checks. Even though our requests were very specific, instead of copies of the returned checks, the bank kept sending us the account transaction history. 
[ The detail description of the issues is attached herewith. ] 

Company response: Company chooses not to provide a public response
Consumer complaint: Barclay is harassing me by sending me pre-approval offers nearly daily. I 've called to ask them to stop and they either want a social security number or other personal information to be able to process my request. I refuse to do that. They also say it will take 8-10 weeks to process my request. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The statue of limitations for the State of Texas is 4 years, and I have not received any money from a loan in the last XXXX years and this was explained to XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX California XXXX when they called me, but they continue to call and send me letters. I am named in a Class Action Suite Against them notified by XXXX XXXX XXXX but have not had any results of the lawsuit since XXXX. They have continued to harassment telling me that they will report me deliquent to the credit agencies until I pay them the {$11000.00} that I owe them. The last letter they sent me was XX/XX/2016 saying I could pay a 70 % discount of only {$3300.00} or 12 months of {$460.00}. I think the lawsuit did not go through so I am filling a complaint against them for myself because they will not leave me alone. They have called me so many time that the phone line with XXXX XXXX XXXX did not work and I had to close the account. Please help me to get them to stop harrassing me until I die. Thank you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have sent a certified mail return receipt direct dispute under FCRA 623 to Bank of America based on disputes of the original date of first delinquency and outstanding balance they are reporting to all three credit reporting agencies. This was after they have repeatedly confirmed invalid data during my disputes to each credit reporting agency. This was received and confirmed by the USPS on XXXX/XXXX/2015. 

Ultimately, it has been over 60 days since I sent my direct dispute to Bank of America 's registered agent and there has been no response. Their failure to respond and continued incorrect reporting is an FCRA violation. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I did n't open a loan in XXXX of 2015 at XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: INTERNET MESSAGE RECEIVED BY THE ATTORNEY GENERAL 'S OFFICE ON XXXX/XXXX/XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXXXXXXXXXX RE : XXXX XXXX XXXX / Suntrust Bank XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Website : XXXX Transaction Date : XXXX/XXXX/XXXX Amount Paid : XXXX Payment Method : Personal Check or Bank Debit Subject : Mortgage Fraud - XXXX XXXX XXXX XXXX Suntrust Bank We Own at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Week 9 Whole Interest - every year Purchased Timeshare {$10000.00} XXXX/XXXX/XXXX book XXXX page XXXX instrument XXXX Mortgaged {$9800.00} XXXX/XXXX/XXXX book XXXX page XXXX instrument XXXX paid in full per XXXX XXXX records XXXX/XXXX/XXXX - have a payment history from them - showing final payment XXXX/XXXX/XXXX satisfaction of mortgage XXXX/XXXX/XXXX XXXX book XXXX page XXXX XXXX XXXX XXXX took out an assignment of mortgage with Suntrust Bank XXXX XXXX/XXXX/XXXX book XXXX page XXXX - In the legal description this is noted as XXXX XXXX Phase XXXX even though no phase XXXX units are included in the mortgage. It only includes the following phases : Phase XXXX, Phase XXXX, Phase XXXX, Phase XXXX, Phase XXXX, Phase XXXX, Phase XXXX, Phase XXXX, and Phase XXXX. 

Our unit was put up as collateral in file XXXX book XXXX page XXXX. 
It was cited as having a mortgage on it, which according to their records was paid in full. 

XXXX used our timeshare as collateral, which we never assigned them the right to borrow against our unit. It was dated XXXX/XXXX/XXXX, filed XXXX/XXXX/XXXX. 

I received the satisfaction of mortgage after it was recorded 11 months after it was paid off. XXXX Book XXXX page XXXX, it was dated XXXX/XXXX/XXXX which was 2 days after they used it to get a mortgage on it. 

Their records show it was paid off XXXX/XXXX/XXXX. per the pdf payment history I received from them. 

The timeshare interest is in both my name and my husbands name, XXXX XXXX and XXXX XXXX XXXX. When they mortgaged it - they only used his name not mine as well. 
They did not use his legal name as mortgagor, it just said XXXX XXXX. 

They were never given permission to use it as collateral. They had tried to get us to sign some stamp which stated we were giving them the ability to use our unit to mortgage against, but we refused to sign it. I am a real estate broker in Michigan. I feel that they committed mortgage fraud with our unit. 
I would like to know if this is enough to make a case against them. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: A debt collection company named XXXX XXXX XXXX XXXX is contacting me regarding a debt with Spotloan. I 've asked this company to send me the information in writing to my home address. A representative by the name of " XXXX '' states they 've sent the letter previously and it 's not their fault if I did n't get it and that they refuse to send me another letter in writing. 

Also, I 've received a call from family members stating this company is trying to reach me on several other phone numbers, XXXX and XXXX. These calls have to stop. They 've been instructed that they should not be contacting any other numbers. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: American Medical Collection placed an erroneous item on my XXXX Credit report. I have disputed this item once and again today, XXXX XXXX, 2016, but TransUnion claims it was verified. I called this collection agency and encountered unprofessional customer service where the rep claimed she could not find the claim. Informed her that I have Medicare and XXXX XXXX XXXX XXXX -- what is not paid by Medicare is paid by XXXX. The rep hung up without assisting me. I called again after disputing with XXXX and, again, explained to the rep my medical insurance. She asked for my Medicare # and stated that she would bill Medicare. I demanded that she immediately remove this erroneous item from my XXXX report, and she laughed and stated that she would not. This is a {$120.00} XXXX charge that should not have been sent to the patient. In essence, American Medical Collection is committing Medicare fraud. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A dispute was completed XX/XX/2016. Instead of deleting the item Experian update it. A dismissal with prejudice was completed on this case and should not be on my report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We obtained an interest-only mortgage from XXXX XXXX Mortgage in XXXX ( which filed for bankruptcy in XXXX and is no longer in business ). The loan was transferred to CitiMortgage shortly thereafter and they still own/service it today. The loan is due to fully amortize in XXXX of XXXX. I am concerned that we will not be able to afford the payment at that time. I have made numerous attempts to refinance the loan or discuss potential options/solutions with Citimortgage over the last couple years. Since our home is underwater and it is a jumbo loan, I am told there are no options without significantly paying down the balance on the loan which we are unable to do. I have also been told that we do not qualify for a modification because we currently have the income to make our payments. I am trying to be pro-active in dealing with this before my family and I are in a crisis, but they are unwilling to work with us. They offered to modify our loan in XXXX. We accepted their offer because we were told it was the only option to reduce our payments. They left us in the same interest-only product and INCREASED the balance by nearly {$7000.00} which makes our situation even worse. We simply want them to refinance or modify our loan to a fully amortized 30 or 40 year loan at market rates so we can start to pay down the principal and avoid the substantial increase in our payment that is looming. We do not want to be at risk of losing our home. We are not asking for them to take a loss, we simply want them to do what we believe is fair and will help both of us avoid a potential foreclosure situation. 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit Collection Service had placed this negative items on my credit reports without notifying me. Credit Collection Serivce violated the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I received a copy of my credit report, and the following was on it as derogatory : Credit Collection Serviic XXXX XXXX MA XXXX ( XXXX ) XXXX Placed for collection : XXXX/XXXX/2014 Balance : {$88.00} Pay Status : In XXXX Company This is not my debt, and I never received any correspondence from this company regarding such debt. I am asking that this be investigated, as I would like it removed from my credit report. 

Any help you can give me in this matter would be much appreciated. 

Thank you, XXXX XXXX XXXXXXXXXXXX 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Regarding item # XXXX car loan for XXXX XXXX be reported by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, CA XXXX. PH : XXXX. This loan was paid in full on XXXX and is recording late payments on my credit report of Experian and XXXX XXXX. Experian says this will stay on report until XXXX and XXXX XXXX until XXXX. The first late payment XXXX so this item should drop off my report by XXXX. Why is Experian keeping on my report until XXXX? Inconsistent reporting by Experian and XXXX XXXX XXXX. These items listed more than 7 years from first delinquency. Removal dates for Experian and XXXX XXXX not consistent. I have several issues with XXXX XXXX XXXX not recording my payments correctly when loan was active. I want XXXX XXXX XXXX XXXX account deleted from both Experian and XXXX XXXX ASAP. 

Company response: Company chooses not to provide a public response
Consumer complaint: 1 ) On XXXX XXXX, 2016 I mailed my monthly mortgage payment to Citi Mortgage. I mistakenly sent {$3500.00} instead of the correct amount of {$3800.00}. 
2 ) Citi Mortgage cashed my check on XXXX XXXX, 2016. 
3 ) On XXXX XXXX, 2016 Citi Mortgage mailed a mortgage notice that stated " Our records indicate your mortgage payment is overdue and we have not received it ''. 
4 ) I was traveling out of state on business XX/XX/XXXX. 
5 ) I first opened and read the mortgage late notice and statement the evening of XXXX XXXX, 2016. On the statement it shows an amount due of {$7700.00}. this amount includes the XX/XX/XXXX and XX/XX/XXXX mortgage payments of {$3800.00} and a late fee of {$15.00}. THIS STATEMENT IS DECEPTIVE, CONFUSING, AND MISLEADING. Citi Mortgage had received and cashed my partial payment of {$3500.00}. 
6 ) XXXX XXXX, 2016 at XXXX XXXX. XXXX on I called the Citi Mortgage Customer Service Department. I was told the conversation was being recorded. The Customer Service Representative agreed to eliminate the {$110.00} late fee due to our perfect prior payment history. I was instructed to mail the {$300.00} XX/XX/XXXX balance and the XX/XX/XXXX payment of {$3800.00}. I offered to make the payment by credit card and they refused. I mailed the {$4100.00} payment and my on-line checking account record shows the check was deposited XXXX XXXX, 2016. 
7 ) Citi Mortgage mailed a Default Notice dated XXXX XXXX, 2016. I received and opened the Default Notice on XXXX XXXX, 2016. The notice states : " We have notified a credit bureau about a late payment, missed payment, or other default on your account ''. CITI MORTGAGE DAMAGED OUR CREDIT LESS THAN ONE DAY AFTER I LEARNED OF THE {$300.00} SHORT PAY AND AGREED WITH THEIR CUSTOMER SERVICE TO SETTLE THE MATTER. 
8 ) As instructed, I mailed a letter of complaint to Citi Mortgage with all of this information. Their XXXX XXXX, 2016 letter of reply refuses to change the status of our credit bureau report. My XXXX XXXX credit rating has gone from XXXX to XXXX. THIS IS UNFAIR AND UNETHICAL. 
9 ) I request the assistance of the CFPB to correct this situation and to help me clear my record. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Short sale occurred. XXXX. Credit report shows short sale, but we are being turned down by XXXX XXXX as they are showing foreclosure, and saying XXXX of the XXXX credit bureaus are showing it 19 months ago not 32. We are renting and our lease is up soon and now we may be without a home due to a reporting error that Bank of America did. 

Company response: Company chooses not to provide a public response