AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I had a home years ago in XXXX, UT. I had split rooms into rentals, we already had services with other companies. My son and his wife wanted XXXX, I eventually gave in and ordered. On the day of install, I returned from an appointment to find my policeman neighbor outside to tell me about the damages to my property. We went to the back yard to find it ripped apart. My home was on the market to be sold. All my sod was destroyed, they used coal shovels destroying the lawn and left chunks of sod and mud all over the yard. The XXXX dish cables were severed and laying in the garden. XXXX XXXX cable I purchased in Arizona had been cut from the basement wall, about XXXX '' hanging from the wall. These XXXX installers had used MY cable to run their cable from the trench, across the lawn, over the TOP of the hog fencing and then on the ground, then into the side of the house. I went into the house, picked up the box that was there for the self-install and immediately called XXXX. I was told to bring the equipment to their offices off XXXX XXXX and the account would be canceled. I did that, with my grandson. We stood in line for nearly an hour, then the girl at the counter refused to accept the box. I asked for her supervisor, a guy came out from the back and I stated all that had happened and then he said he would send a supervisor to my home to make the repairs and pay for the damages. That NEVER happened! So, I NEVER opened the box, never turned it on, nothing but took it back to the store THEY told me to go to. 

As of today, XXXX/XXXX/XXXX, my bank informs me that my credit is damaged by XXXX ( XXXX XXXX credit bureaus, both initiated by XXXX!! I have spent this entire day on the phone with XXXX and their circus! No matter how many people you talk to or " supervisors '' you are told they 're transferring you to " Corporate '' when they do n't. It all goes back to Billing, where they do n't help. 

I have also learned that XXXX also filed against me for another amount of {$860.00} using another name, but I had not been in that home during the dates they claim, as I lived in another state. 

XXXX destroyed my credit for what? I 'm an old woman, a XXXX widow and grandma. THEY destroyed my home and property so I could n't sell it. We lost XXXX when we did finally sold it when the housing market declined, after I had to shell out the costs to make the repairs. 

I have been lied to by every single employee of XXXX for many years. I was told that because I returned the equipment, I would have no charges, then they destroy my credit!! 

THIS IS N'T FAIR OR LEGAL IS IT?? 

I 've never had a notification, knew nothing about this until now. I suffered a XXXX XXXX XXXX in XXXX and have a hard enough time just coping, to be abused by this huge corporation is wrong!! 

By the way, I have many witnesses to the damages that they did to my home and also how I did follow through that same day and drove to their office and handed the unopened box back to them.. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, XXXX I mailed Experian a CERTIFIED LETTER indicating that my credit file needed correcting, and that the subject public judgement in favor of XXXX XXXX Bank, be removed from my report. All of the proper information regarding my file was included for their easy access and identification, along with my current picture ID for personal verification purposes. 

After six ( 6 ) weeks of no response, I wrote another CERTIFIED LETTER to Experian on XXXX XXXX, XXXX with the request that they automatically delete the subject file from my report, since they provided no response whatsoever, and whereas they obviously were unable to successfully dispute the matter as REQUIRED BY FEDERAL STATUTE within thirty ( 30 ) days of my notification. I also included my original letter along with another copy of my current ID. 

After not hearing from them after another two ( 2 ) week period, I CALLED them on XXXX XXXX, XXXX to once again, address this urgent issue. They told me they were still investigating the matter. I firmly insisted they had had enough time, and that if I did n't have a confirmation email that the filed had been corrected, and the Judgment deleted from my report by Monday XXXX XXXX, XXXX, I would file a formal complaint with your agency. 

Company response: Company chooses not to provide a public response
Consumer complaint: See attachments. 

Experian does not have the proof document. They are using tactics to defer and delay. 
They have my personal proof of ID on file. We went over this many times. 
Why are they allowed this? 
Who can I seek out to get help? 

Company response: Company chooses not to provide a public response
Consumer complaint: Regions Bank took money out of my savings account to cover an overdraft fee which my daughter incurred. The company stated because I am listed on her account that they can go into my account and take any fees due if she does not pay for them. I am not happy because I was made aware of this after the fact of Regions Collection going into my savings account and taking money out without my authorization. I feel like a victim of Identity Theft. This is a policy that should be changed. No one including Regions Bank should go into my accounts and take money out without MY AUTHORIZATION, 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I financed my home and having a VA loan they called me back and said we can lower your rate even more. They got me excited about lowering my rate again and they did nothing! They let the time run out. This was Freedom mortgage inability to help the customer. So now I could potentionally pay $ XXXX over 30 years 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I recently refinanced my home with only 4 years left to get a better interest rate. XXXX XXXX XXXX and XXXX XXXX XXXX of Regions bank, XXXX handled my case. I had to go to XXXX XXXX, Manager, because NOTHING about how my loan process was supposed to go had been as I was told. As manager I was having HIM check behind XXXX XXXX XXXX. I was promised over and over again that upon signing my interest rate would be reduced lower than 3.5 % once my loan was set up on automatic bill pay. When I was forced to pay almost XXXX unexpectedly in this process, I went back up to the bank only to learn that they were blaming this on another department and disavowed any knowledge of this little " glitch '', my auto bill pay was set up for the wrong time of the month, and most importantly is was set up WRONG, by XXXX XXXX so that I WILL NOT be getting the reduced interest rate through NO FAULT of my own. When I suggested today that I may need legal council since no one seems to have any answers for me, XXXX XXXX informed me that he would no longer talk to me. I am leaving the country in the morning for an extended amount of time and they know this. I think they just expect me to go away and let them get away with this, but that is not going to happen. I need to report this to you for processing. 

Company response: Company chooses not to provide a public response
Consumer complaint: Someone is using my SS # to open accounts with. Company is XXXX for {$160.00} this is hurting my credit score. I have been to the Sheriffs office in XXXX XXXX, XXXX LA and to the DA office in XXXX, LA about this individual. I want this off my credit report. Can you please send to TransUnion and XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Dear XXXX : After diligently trying to resolve a billing issue with Experian Credit Monitoring through their customer service department known as XXXX I have received no help and would like to ask that you look into the matter. 
In XXXX I signed up for their service, I called to cancel 2 years later not needing it anymore. A rep offered me a lower rate of XXXX down from XXXX. I accepted. Two years later in XXXX XXXX the company started billing me XXXX again. I did n't catch it until XXXX XXXX. I have attempted to resolve this overbilling with them but all they did was tell me they would refund one month which they have not ( been almost 1 month since then ). They state that I was on a trial when in fact my trial month was way back in XXXX. I was in fact on a reduced rate with no given expiration. I am very distressed that this criminal business practice is not prosecuted. I 'm looking to you for your help. All correspondence is included below. 

As you can see from the bills uploaded, XXXX/XXXX/XXXX as well as bills from XXXX and XXXX of XXXX ( new doc XXXX ) my rate was XXXX, more than 2 months before it went up, proving I was not on a 30 day trial. Additionally, I still have received NO REFUND as they stated they would give me 1 month as a courtesy. This disreputable business has taken my money and wasted my time. Please help. 

XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been out of country for three years. I returned to US in XXXX of 2015. Late XXXX, early XXXX I got a credit report from Experian as I was applying to rent an apartment and wanted to know my credit rating. Subsequently I have been getting these emails from Experian notifying me of changes in my credit rating. I have been ignoring these emails because when I open the email and click on the link it asks me for a user log in. I do n't have an account. And if I did have an account I do n't know my user login. Life has settled down a little bit and last night I decided to spend some time on this. Then I read the e-mail more closely. In very fine print it informs me that they are deducting XXXX dollars from my account monthly for this service and that I got seven days free and was automatically signed up for this and that I had to take steps to cancel the membership. I never sign up for this and did not think it was applicable. But then I check my bank account. Sure enough these slime balls are deducting money from my account every month. This has been going on since XXXX. This is fraud. It is dishonest and I have no interest in their service. I want my money returned. I want to file legal charges against them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received my XXXX form from Pacific Union Financial that shows the taxes and interest paid for the year 2015. XXXX sold my mortgage to Pacific Union Financial in XXXX 2015. 
From XX/XX/XXXX to XXXX 2015 my taxes paid were {$6100.00} ; however, on the XXXX that Pacific Union sent me the XXXX showed {$2300.00} as the amount of annual taxes paid for the year. Pacific Union made a large error on my form XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have written to all XXXX credit report agencies and to XXXX XXXX over 90 days ago regarding a credit card issued by them that is currently been reported on my credit report. I am still waiting to get a respond from them. I need this to be removed from my report because of the negative impact it is having on my report. In my letter to XXXX I asked them to provide me with a proof that I open this account. I have not receive a respond from them. I need this item to be removed from my report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Please see attached Word document for all complaints against SunTrust Mortgage Co . 
Thank you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I owe money to XXXX XXXX XXXX for a procedure and have been making payments on time. No minimum payment was ever discussed. I also believe they are billing me too much for the services rendered. My attempts to obtain an itemized list of charges by phone has been unsuccessful. I was told my insurance company refused to cover the medical expenses, however when I call XXXX they tell me the bill was never submitted. My bill has increased in cost despite me making payments with no delinquent payment. I have all receipts as proof of payments. I have received only XXXX phone call from XXXX XXXX asking me to set up an automatic monthly payment. I declined for many reasons. Despite me making payments and talking to XXXX XXXX, my account has been turned over to a third party collection agency. I have sent a certified letter to the collection agency disputing their ability to collect the debt and asking for proof that this is legal according to the original debt agreement. I am no longer able to pay XXXX XXXX directly. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I was checking my existing report on what I owe. I just notice a cmre finance service was listed out of nowhere. This was added and I never got any report on them and just saw I had a balance! Balance of what? This needs to be corrected. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I contacted Experian on line re : a turn down on a small loan thru my credit union. I was asked to pay {$1.00} for my report on line. 
I then received an XXXX withdrawal from my bank account for {$21.00} for their credit monitoring service that I never requested. I called the XXXX # on my bank statement and she kept referring to my membership of credit monitoring. WHAT? I told her to undue the unauthorized withdrawal. 
She said she would and the withdrawal processed any way. 
Experian has created a mousetrap with their ambiguous site. 
Please investigate these unscrupulous deceitful practices. 
Thank you for your help. 
Sincerely, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband, XXXX, is an XXXX XXXX XXXX XXXX Veteran that requires XXXX. 
On XXXX/XXXX/XXXX we called Wells Fargo to request mortgage assistance. During the financial interview we were told that Wells Fargo could n't help because we did not have enough income. I tried to tell them that we had applied for an increase in my husbands XXXX benefits they said they did n't care. At this time my husbands XXXX was XXXX per month and we received XXXX in food stamps. 
On XXXX XXXX I began employment with TDID at a salary of $ XXXX/ month.On XX/XX/XXXX my husbands gross monthly XXXX was increased to XXXX. Out current monthly food stamp benefit is XXXX for a total household income of XXXX. 
On XXXX XXXX, XXXX we reapplied to Wells Fargo for assistance under a change of circumstances and submitted all documentation verifying a significant increase of monthly income. 
We received a letter from Wells Fargo on XXXX/XXXX/XXXX stating " Based on the recent information you have provided to us, we have determined there has not been a sufficient enough change in your circumstances for us to conduct another review ''. This is a blatant mis-representation of the truth.The letter is not signed by anyone and when I called Wells Fargo they refused to speak with me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: i deposited a check for XXXX dollars on monday at XXXX XXXX .. the teller said that XXXX was available immediately and the rest a day or two.,, wells fargo put an 8 day hold on the check because i had late fees and they wanted to hold it .. i am XXXX and unemployed thats money i need to live 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of american closed my credit card suddenly without telling me anything. I have been used for years and never had a late payment. Also, I have approx. {$62.00} cash reward in there and they did not redeem for me. I have called many times and nobody could help me. No reasons were given. 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit went from XXXX to XXXX due to the Great Recession and problems in paying medical bills and being unemployed. In XXXX I landed a job and have not missed any bill payments since then. Accordingly, my credit went from XXXX to XXXX in XXXX. However, in XXXX of XXXX my credit suddenly dropped from XXXX to XXXX per XXXX XXXX 's data collected from Transunion and XXXX. When I checked to see why I discovered a XXXX NEW entries for unpaid balances that were FOURTEEN YEARS OLD, both dated XXXX XXXX, XXXX. Both entries involved " XXXX XXXX XXXX '' which I have never heard of in amounts of {$13000.00} and {$4600.00}. I contacted XXXX and Transunion and got their typical barrage of obfuscation and confusing emails, none of which addressed the problem. Then they simply noted the " entries were removed '' but my credit remained dinged by XXXX points. 
I want to know if the Big XXXX credit reporting firms business models rely on keeping people beaten down, downtrodden, and miserable to enhance their profits by selling their services? They seem quick to harm someone but unresponsive in fixing problems. For me, this is very damaging in that it may preclude me from getting a mortgage. Worse yet, credit in this range will likely have an adverse affect on me getting a promotion. 

There is no salient documentation as my complaints were filed with Transunion and XXXX on line and I was unable to save correspondence in their website. There responses did not address, or rectify, the issue. 

Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: Greetings, TransUnion is falsely reporting and suppyling inaccurate data to creditors and vendors regarding my credit and financial information. 
TransUnion seems to has multiple accounts and unable to locate my files. I 've been unable to obtain my credit report online nor by mail. Credit Bureau requested additional information which it was supplied by several means ( mail/fax ) twice. Information submitted is as follow : copies of my ID, social security card, pay stub, and void personal check. In addition, I have filled out the Form XXXX - Disclosure Request. 
Even with the information submitted, TransUnion is still unable to locate my file. I have follow up with Consumer Relations ( XXXX ) several times and answers continue to vague and elusive. 

The impression I received every time I call is that, they have some of my information but its floating around in their system and unable to accurately identify it. 

I appreciated any help you could provide me, Yours truly, XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: i was XXXX i am low income filled out charity pay to pay for it never recieved a bill and meade and associates have violated the law i believe they are listing XXXX info on my credit report i believe this is illegal also trying to collect a debt i dont owe 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There are XXXX judgements on my report that is not mine. They are on the Experian credit report and they are in name only without my social security number. These judgements are not mine and belong to another XXXX XXXX. My name is spelled XXXX XXXX, they do not even have the correct spelling. I have contacted a lawyer and he explained what they are doing which goes against the protection of consumers. I have attached the XXXX files. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Financial credit network claims to be collecting on behalf of XXXX XXXX XXXX which I never had business with. My numerous attempts to resolve the matter with them went ignored. I requested debt validation in accordance with FCRA rules and regulations and they failed to proof validity or ownership of this debt. However they are still reporting this on my credit report which is damaging my credit rating to an extend. I request they DELETE this collection from my report and STOP their harassing collection efforts once and for all! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The XXXX Tribes Of The XXXX XXXX Reservation Tribal Government Fund paid the bill back on XXXX/XXXX/2015. The tribe had multiple contacts with them about this payment from my understanding each time they talked to them it was being handled. I then started receiving phone calls from Credence Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Telephone number XXXX. I stated that I believed this was taken care of and I would contact XXXX at the XXXX tribal clinic. XXXX told me she would call and take care of it. They have sent numarous letter each I have taken to the clinic they told me fedral funds will not pay twice for a bill. On XX/XX/XXXX XXXX XXXX talked to them and had it all resolved she can be reached at XXXX she has all supporting documents. There is also another payment made on XX/XX/XXXX for XXXX that there are trying to collect on with me too. 

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