AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: TransUnion has incorrect and outdated information on my credit report such as : past addresses, work history, credit accounts opened if my name fraudulently, and is allowing 3rd party lenders who view my report and send me offers even after I 've called the XXXX number and opted out. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: how opened XXXX CD 's at the same time. Every year we just let them keep renewing because they were emergency funds. After about 5 years we got a notice from Pa treasury that we may have unclaimed funds. XXXX of the CD 's was turned over to them for lack of activity. Makes no sencse since the other XXXX was not. Now it will take us 3 months or more to get the money with no interest. The bank never notified us but the other CD 's was automatically renewed. When I questioned the bank manager he said that the bank messed up and could not explain what happened. my loss. 

Company response: Company chooses not to provide a public response
Consumer complaint: My private XXXX student loan was transferred to a new owner sunrise credit. I receive multiple calls a week from this company and have complained twice to them about it. If I make a payment I get a call that I have n't made a payment. If I miss a payment due to financial strain and explain to them I will not have it til the following month they state they will note that in the system yet I still receive daily calls. It is extremely frustrating and during my last call that I answered I told them this is considered harassment and that I already spoke to someone who was supposed to " note '' in the system when I will be making my next payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: Applied for an XXXX XXXX XXXX credit card ... ..was turned down! My credit has always been excellent! When I received my letter in the mail the reason why was based on the applicant was deceased! Im alive and well ... .not sure where to go to clear this up! Thank you 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I recently viewed my Transunion Credit Report. I have disputed XXXX accounts ( CAF # XXXX & XXXX ) since XXXX 2016. Both these accounts have been properly investigated and removed from my XXXX & XXXX Credit Report but still remains on my Transunion Report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2016, I mailed a cashier 's check in the amount of {$520.00} to Continental Finance to payoff the balance of a credit card account. Also, on XXXX/XXXX/2016, within the same correspondence, I requested that the issuer close my account and send verification that the account has been closed. This has yet to occur. 

On XXXX/XXXX/2016, I sent another letter to the credit card issuer requesting closure of my account, and as of XXXX/XXXX/2016 the account is still open. I do not understand why this bank refuses to close my account. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I purchase a car using Ally financial. Then within the first week of owning the vehicle I refinanced with XXXX. I received a check for the amount of the XXXX day payoff amount on XXXX and mailed it to ally on the XXXX, they claim they did not recieve it until the XXXX and charged me a {$170.00} interest payment. Spoke with there rep, they stated it would be taken care of. In XXXX I start receiving calls about a late payment for {$180.00}. After speaking with them they told me that had a note that all payment had been receive they would take care of it. Meanwhile they are holding on to the title and not sending it to XXXX until the {$180.00} Is resolved. Then today I check my credit report and they have posted that my account is late leading to neg hits on my credit. When I called them they stated that the loan was for XXXX and the payoff of {$46000.00} was accepted but left a balance of {$170.00}. That does n't add up. I paid the {$190.00} balance plus interest to get the title, got the confirmation number for the payment and the supervisor told me after the payment was deducted, that I would recieve the title XXXX day after the payment was processed. When I ask how long that would take he stated it could take as long as XXXX days. Which means it could accure more interest charges. Baffling to me 

Company response: Company chooses not to provide a public response
Consumer complaint: This actually started in XX/XX/XXXX with our call to the company but it is continuing now into XX/XX/XXXX. We called our Lowe 's credit card company, Synchrony Bank to check our balance and to pay off any balance. While we were on the phone we were told we did not have a balance. We used a credit card statement with XXXX balance to call them. Once we told them we owed the money and had a bill statement the credit card company rep told us again that we did n't owe any money. She had the account number given to her off the billing statement. We asked her to make sure she had the right account and to check all of our accounts because we wanted to make sure there was no mistake and that we had a XXXX balance moving forward. She said she checked all of the accounts and that XXXX card was closed and that there was no balance on any card. At that point let it go and took her word for it. After all, she was their rep and she had looked at all of our accounts. We thought that our bill pay at our bank had paid the last payment as planned and did n't worry about it any more. That is until we started getting calls about owning them money. We checked our credit scored and saw that they had now hit our credit score with at late payment. This lowered our score. I called the credit card company today and went over all of this with them. We asked them to pull the recorded conversation between my husband, myself and their agent. I talked with XXXX different people which also included a supervisor. They all said they did not have access to the recording and that we 'd have to contact the FCRA to get this fixed. My questions to them is this, why are we having to do all of this when it was them that made the mistake that caused all of these problems for us when all we wanted to do when we called was to make sure we owed nothing on the card? We feel like the credit card company is taking advantage of Lowe 's good customer through their mistake and it is unfair for their actions to cause these problems. Our credit was excellent. Now it is not. Credit card companies should be held responsible for their mistakes and the consequences that affect their customers. Should they not? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Hello - I ordered my credit report and score from Experian on XXXX XXXX, 2016. I paid {$8.00} with my XXXX XXXX card and the transaction 's confirmation # is XXXX ; the report number for my documents is XXXX. The website said I would receive my packet by XXXX XXXX, 2016. I did not receive it. I emailed Experian through its general " contact us '' portal on XXXX XXXX to ask about it, and have received no reply and no packet. I emailed them again today, XXXX XXXX, and do not expect a reply to this either. I sat on hold for many minutes today hoping to speak to someone, in vain - never got to speak to anyone, so I hung up finally. Is there some way you can please facilitate their keeping up their end of the bargain? At the same time ( XXXX/XXXX/16 ), I ordered from the other XXXX credit companies, XXXX and XXXX, and had completely straightforward, aboveboard experiences with them both. I am angry with Experian! Thanks for any help you can provide. 
Regards, XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX/ XXXX XXXX is continuing to report a 30 day late payment on my trans Union credit file after agreeing to delete negative pay history. The date of disputed payment is XXXX 2013 which was during transition to XXXX. I received a letter from XXXX XXXX agreeing to delete this. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: they are calling my family members, my job my cell phone and they are calling everyday, more than 5 times a day for the last two weeks. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: County taxes were taken from escrow account with TheMoneySource by XXXX on XXXX/XXXX/2015 ( about {$4100.00} ). Refinance completed with XXXX XXXX/XXXX/2015, and taxes were instead paid by the title co ( XXXX ) on XXXX/XXXX/2015. County tax office confirms that any attempt by XXXX to pay after date would have been rejected and taxes were not paid twice. XXXX has refused to acknowledge that a refund is due, ignored numerous calls and even demand letter to locate these monies, and insists it will take months to figure out what has happened and effect the refund. Obviously we are into the third month already. XXXX 's helplessness and puzzlement is incredulous. With a few keystrokes they can most likely locate and immediately effect a refund. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Ditech has failed to properly apply HAMP loan modifcation incentives. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: It seems like they want to make money, ( they being Experian, XXXX, XXXX ), and do not reveal the credit score without a payment. Additionally, they offer options for disputing incorrect information, adding them to a cart ( beyond archaic from a technology standpoint ), and then tell you they ca n't dispute them -- more roadblocks to people learning what is being kept about them on file. Lastly, one offered all the ability to dispute, and once clicking on that action, it locked the account and said I now need to call a number, undoubtedly a maze of deflection of lack of staffing a call center. I work in technology and can tell you this is not only a ridiculously inept implementation of an online service, but so much so that it feels deliberate, and only something a monopoly or someone with guaranteed business can get away with. As a company in charge of incredibly personal information, this is entirely negligent and careless, and additionally, opportunistic where it should only act as an agency of record. None of them should be allowed to handle such information, or be able to operate in this country. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have US Bank XXXX XXXX personal and business credit cards. Both have the annual fee and it is advertized that this annual fee pays for cards benefits. One of the benefits is Bonus Award Night. However they decided to remove this benefit from both cards starting XXXX/XXXX/15. Based on that I believe I am not getting all benefits that I paid forwith my annual fees. And this benefit is still advertized on the application page for new customers. 

Company response: Company chooses not to provide a public response
Consumer complaint: The loan payment is due each month on the XXXX and the loan is interest free for 12 months. The loan was for XXXX XXXX XXXX. If payment due on a Sunday I pay the amount by phone on Monday, they charge me {$37.00} late fee! I tried paying online and there is no opportunity to do so! I called twice and was told if not paid exactly on the XXXX, I will be charged a fee. Please help, I have had credit since a young woman and never heard of anything like this before! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am trying to streamline my FHA mortgage. I sent late payment priority mail express overnight so I would n't get 30 day late. I mailed it to the address they said XXXX XXXX va but post office said they do n't deliver to the address that they pick their mail up. Well my payment sat at post office from XXXX XXXX/XXXX/16 until they picked it up XXXX/XXXX/16 which made them show my payment late. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Loan went into default after illness. Contact mailings about default were sent to old addresses and discontinued phone numbers. Four years later finally contacted present address. I suffer from XXXX. In and out of XXXX ; spotty work record. My mother offered to pay off the debt by collection agency will not allow full payment ; will not allow reduced fee. Collection agency will not mail the questionnaire for payment plan- insists on phone call only, mentally I can not handle that type of interrogation. I just need them to stop harassing me. Threatening me with garnishment when I just now got a job. I am homeless most of the time. The stress of the threats causes me to lose my jobs. I can only work about XXXX hours a week XXXX. I want help just paying off what is fair and making them put their offers in writing- I ca n't handle talking to people. My mother is will to help 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I went to a XXXX to have XXXX work done. They set an appointment for me, sent a notification reminder, when I arrived I was told since I had n't paid the {$2400.00} " The doctor ca n't see you. I now know this amount was far was way to high for the treatments I 'd received. I was overcharged and previously had paid over {$400.00} in advance. I 'd requested they file with my insurance, they refused even though they had previously filed for payments, for which they also overcharged. 
I am a XXXX XXXX unemployed veteran, living with friends, so I 'm homeless. I had XXXX since the XXXX had completely XXXX. I suffer from XXXX that causes headaches and I was left virtually with non-functioning from XXXX, in pain and unable to bite normally. They 're failure to complete the work, left me decades for 2 years. I am on a fixed income and am a XXXX over XXXX. 
I became so desperate a friend sent me another dentist, who corrected this XXXX poor quality and incomplete work. The charge was nearly XXXX % less with the new XXXX, who did bill my insurance and took payments as this dentist originally indicated she would. 
The dentist that did n't do the service or provide goods ( my XXXX that function appropriately ) billed me for over {$2400.00}, has a collection agency harassing me to pay for goods and/or services I never received and reported the fraudulent amount of {$3000.00} to all major credit bureaus. Now their collection agency harasses me and say they would ruin my credit report. These harassing calls were recorded. Now they have, in fact reported these erroneous fraudulent charges and they are on my credit report with all XXXX major credit reporting agency. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Our mortgage was transferred to a new loan servicer : Specialized Loan Servicing LLC ( SLS ) XXXX. XXXX XXXX XXXX GA XXXX Phone XXXX in XXXX 2016. We received several notices as the loan was transferred. One stating that our payment was past due ( this notice was received prior to receiving any payment information, remittance stubs, address, new loan number, etc.for the new servicer ). Another letter was received stating that we had no insurance ( although we did, through XXXX/XXXX/2016 and future payment amount is held in escrow ). Yet another notice from a debt collector stating that they were collecting on a debt ( there is no debt owed to this company!! ) and another letter stating that we do not have an escrow account - we did have an escrow account and the old servicer sent us a letter indicating that they transferred the balance of {$3700.00} of which SLS claims they have no record. I have spent hours on the phone in circular telephone loops trying to get clarification on the notices. Was told to ignore them by all the representatives. I just received a telephone call relating to the loan requesting payment ( which I have already sent ). However, on a recent call, I was told by a representative that we have 60 days to make the first payment due to the transition of the loan to the new servicer. This company clearly has administrative issues that go well beyond timing of noticing and operational systems. If they are n't already, they should be under review by an agency to insure that they are compliant with mortgage lending and servicing practices. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: WELLS FARGO DEALER SERVICES IS REPORTING A PAID OFF LOAN AS PAST DUE NOW FOR 24+ MONTHS TO ALL XXXX CREDIT BUREAUS - FILED A BOGUS BK XXXX CHAPTER XXXX CLAIM - COLLECTED PAYMENT EVEN ON A DEBT EVEN THAT IS NON EXISTENT - CONTINUES TO VALIDATE A DEBT WHEN DISPUTED WITH EACH CREDIT BEAUREA VIA ONLINE DISPUTE PROCESS AS I POSSES VEHICLE TITLE SHOWING NO LIEN HOLDER, MY INSURANCE COMPANY HAD PAID THE LOAN OFF IN FULL BACK IN XX/XX/XXXX, I HAVE PROOF OF THE CLAIM FROM MY INSURANCE COMPANY OF THE CHECK NUMBER WELLS FARGO DEALER SERVICES RECEIVED, THE DOLLAR AMOUNT OF THE CHECK THEY RECEIVED, THE CHECK NUMBER, WHEN IT WAS CASHED, THE PAYOFF AMOUNT, ALTHOUGH WELLS FARGO RELEASED THE TITLE AND IS NO LONGER A SECURED LIEN HOLDER, HAS NO LOAN AND HAS FULL PAYMENT, THEY REFUSE TO FIX AND CORRECT MY CREDIT REPORTS AND CONTINUE TO REPORT A BOGUS PAST DUE AMOUNT ON A CHARGED OFF LOAN THAT WAS PAID OFF IN 2011 WHICH IS AND HAS RUINED MY CREDIT AND ABILITY TO OBTAIN CREDIT SINCE XX/XX/XXXX, AND I HAVE ATTEMPTED TO CORRECT IT THROUGH FORMAL BUREAU DISPUTES YET THE CREDIT BUREAUS CLAIM THE AMOUNT IS VALIDATED SOMEHOW REFUSE TO SEND ME PROOF OF HOW IT IS VALIDATED, WELLS FARGO EVEN CLAIMED A BANKRUPTCY CLAIM ON MY CHAPTER XXXX FILING BETWEEN XX/XX/XXXX-XX/XX/XXXX COLLECTING PAYMENTS ON A NON EXISTENT LOAN - I HAVE CALLED WELLS FARGO REPEATEDLY GETTING HUNG UP ON - TOLD A MANAGER WILL CALL BACK ON THIS PILOT PROJECT - I NEVER GET A CALL BACK - IT 'S BEEN FIVE YEARS - I AM REPEATEDLY GIVEN THE RUN AROUND THIS IS ILLEGAL - I HAD ADDITIONAL GAP COVERAGE ON TOP OF THE COMP INSURANCE CLAIM THEY REC 'D FULL PAYMENT ON TO PAY OFF THE CAR IN FULL. I NEVER REC 'D A DIME FROM THE GAP POLICY. I SHOULD HAVE REC 'D PAYMENT WHICH I DID NOT. IF ANYONE IS OWED MONEY BACK IT IS ME, NOT THEM. THEY CAN NOT REPORT A BALANCE ON A LOAN FULLY PAID AFTER 5 YEARS, WHY ARE THEY ABLE TO DO THIS. THEY ARE AND HAVE RUINED MY CREDIT FOR YEARS AFTER A LOAN IS FULLY PAID THIS IS COMPLETELY AND UTTERLY IRRESPONSIBLE WHEN THEY HAVE MADE MY CREDIT SCORE BEYOND REPAIR AND NEARLY IMPOSSIBLE TO ESTABLISH ANYTHING ABOVE XXXX ALL WHEN I DO NOT EVEN OWE THE DEBT AND THE BUREAUS ARE SOMEHOW WORKING WITH THEM TO VALIDATE DEBT THAT DOES NOT EVEN EXIST. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received an unsolicited loan offer in the mail and noticed a statement at the bottom that appeared ( but did not state so ) to be a consumer warning that offered an opportunity to opt out of unsolicited credit offers. When I called the number, the short message sounded official but I was immediately asked to enter my social security number to proceed. I did not because the recording did not identify who exactly I had called. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: In violation of the rules and regulations of the united states consumer financial Protection Bureau., someone left me a message. It looks to me that it is male based on the consistency of his voice. He claimed that he is from the Executive office of Bank of America. There is no caller ID number which could prove whether it is from the bank or " No Number '' do not show my number. It implies that there is eavesdropping which is organized by evaders or their unconventional wisdom., which is fundraising trick as hot as is., in this election cycle. Would anybody let anyone leave message with no communication or FCC rules and regulations respected? I do. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I opened a credit card account with XXXX XXXX last year and almost from the beginning I started getting fraudulent charges. I referred them to the credit card company and trusted they will be handled properly. I noticed that some of them were dealt with but recently I went through all my transactions and noticed that they are many more fraudulent charges on my account. So I called XXXX XXXX yesterday ( XXXX XXXX, 2016 ) and spoke to a gentleman who promised to take care of all my needs, including initiating a security closure of my account that was supposed to be effective immediately, i.e., yesterday XXXX XXXX, 2016. Today ( XXXX XXXX, 2016 ), I received an alert email from XXXX XXXX showing that my account is still active and that it has been charged with XXXX new fraudulent transactions from XXXX different states. The manager at XXXX XXXX with whom I spoke today is XXXX ( ID XXXX, Maryland office ). She promised to initiate an internal investigation to determine why her colleague did not do his job yesterday which caused my account to get additional fraudulent charges. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was called while I was working as XXXX and harassed as well as threatened while I was XXXX. i advised the collections agency that i would call back and he asked question after question and making statements that he would place my account on status with the XXXX credit bureaus. i advised him that they were a third party agency and that i have not signed agreed or entered into a contract with them. he asked for information and i gave it to him in an effort to verify no affiliation with the company. the company stated that i agreed to some form of agreement which i continuously advised them not to contact me and that i do not have any verbal or written agreement with them. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I recieved a loan for XXXX education to do personal trainng which I finished and passed the test. Everywhere I have gone no gym has heard of them and will not even accept me as an intern. They say they are not accredited. I feel like I was ripped off and am very dissapointed in the way they got me to agree to the loan. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I cant access my credit report, maybe my DOB incorrect or my name was misspell, thanks. 

Company response: Company chooses not to provide a public response
Consumer complaint: all XXXX credit agency, s says there not able to at this time to give me a credit report I tried to get a credit card at XXXX XXXX XXXX and they denied because they said the credit score was low I contacted the credit agencies 3 days after I received the letter from the bank that I was denied the credit card 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response