AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: What you are doing TransUnion is against the law, a federal crime. As a citizen of the United States Of America, it is my RIGHT under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. That is not my option, that is my RIGHT and TransUnion, you 're still violating that RIGHT of mine under the FCRA by still reporting a student loan over 10 years old ( from the original delinquency date ) on my credit report that is negatively impacting my credit score and the decisions of lenders. In most cases, a consumer reporting agency XXXX not report negative information that is more than 7 years old, or bankruptcies that are more than 10 years old. In my case, TransUnion you are reporting a XXXX XXXX student loan that is more than 10 years old ( from the original delinquency date ) and that account is negatively impacting my credit score and decisions of lenders, including the REMARK SHOWN IN THAT STUDENT LOAN ACCOUNT ON MY CREDIT REPORT AND THE FACT THERE IS NO PAYMENT HISTORY. 

These are my XXXX requests : ( 1 ) Remove that XXXX XXXX student loan from my credit report now, it is older than 10 years from the date of original delinquency ; it is outdated information negatively affecting my credit score and the decisions of lenders ( 2 ) Provide me, in writing, with the ORIGINAL DELINQUENCY DATE of that XXXX XXXX student loan account ; send the ORIGINAL DELINQUENCY DATE to either my email address on file with XXXX or my mailing address on file with XXXX or through an electronic online file at your website that I can access. That information is not my right, but if the student loan is not outdated ( it has been less than 10 years from the original delinquency date ), I will withdraw my request to remove it from my credit report. That date is imperative and I know it has been longer than 10 years, but I need it in writing. 


Thank you TransUnion for hearing my complaint and I know you will respect my right under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how consumer reporting agencies use your information. Please stop violating that law. Please meet my XXXX requests quickly. Again, thank you TransUnion 

Company response: Company chooses not to provide a public response
Consumer complaint: I took a job XXXX in XXXX 2015 and put our house XXXX on the market. Within a few months, our realtor made it clear that we needed to lower the asking price of the house to a point below what we owed on the mortgage, if we were going to be able to attract potential buyers. Beginning XXXX we lowered the asking price by {$10000.00} per month. By XXXX, we were asking less than the amount we owed US Bank on our mortgage. In XXXX we filed the short sale paperwork with our mortgage bank and alerted our realtor we were in short sale territory. By late XXXX or XXXX, we were responding to an endless stream of requests for all kinds of financial information from US Bank to ensure our short sale application was complete. Week after week additional requests followed. We sent whatever documents were requested and many were requested over and over, or became out of date over the course of each subsequent month. There was never a time when US Bank offered to review our request for short sale, only requests for additional documents, XXXX at a time, and always a week or two apart. Even when the file should have been complete, US Bank came up with additional and new requests. We received a written offer XXXX XXXX, with a 30 day time limit on it. We forwarded this to US Bank for our file as soon as we had it. This was met with more requests for information we had already sent. We asked for help from our realtor 's attorney as the requests seemed excessive and just seemed like the bank was delaying making a decision. We have been paying our mortgage this entire time. We still have not had our file reviewed and fear the party making the only offer we have received, may walk away due to the delays. As of XXXX XXXX we stopped paying the monthly mortgage. 

Company response: Company chooses not to provide a public response
Consumer complaint: called my cell phone with out consent, and did not give the whole foti message. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: New mortgage with XXXX which was sold to shellpoint mortgage company. With all of the sudden change and confusion I had sent out post dated checks from XXXX. Upon no response as to checks received when I asked on the XXXX of XXXX I issued another set of checks for the monthly payments. I informed shellpoint that I stopped payments on checks XXXX to XXXX and replaced by checks XXXX. I asked them to destroy or return the checks upon receipt and keep the new checks. Shellpoint refuse to destroy the checks but submit them both monthly. I told them I can not afford XXXX sets of checks to be cashed monthly as payment on my account. Shellpoint is charging me NSF payments and late charges to my account for every month although they are receiving the monthly payments from my account monthly. I was told that I have until the XXXX of the month to make monthly payments. The checks they have on file are dated the XXXX of each month. 
I was told over and over after numerous phone calls and also after lodging a complaint that it is my error and the fees will stand. I find it very misleading by shellpoint for charging me all these fees and also telling me my account is in good standing. I asked if I could do auto debit from my account or pay over the telephone effective now for future. I was told the checks will still be deposited and I will be charge. Checks for XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX which they should return to me or destroyed ; instead they are depositing them and they were notified well in advance that they were stopped. A total of XXXX checks I am getting charged nsf fees and late payments for each month. They were notified immediately in XXXX. When I initiated the calls each time I was told they did not have my file from XXXX. I got scared and cancelled the checks and contacted my lawyer that did the mortgage because I did not know where they went. I only cancelled the first set of checks because I was instructed to do that by my mortgage broker and the mortgage lawyer. I would like shellpoint to destroy the checks or return them with confirmation and remove the late and nsf fees they are charging me unnecessarily which will run until XXXX XXXX. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: Credit report not showing complete payment history. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of XXXX i purchased a computer from the retail provider BEST BUY. There was a no interest promotion for 12 months as long as the balance of the computer was paid within that time period on my BEST BUY credit card. I made the purchase, in XXXX of XXXX i went into a BEST BUY store in XXXX North Carolina and made a payment to the card before i purchased items with my Best buy credit card. Before i made the purchase i asked specifically if making a purchase effects the promotion they reassured me no and that all my payments would first be applied to the promotion balance first after the minimum payment was satisfied, and it was ok to use my card at will. I made a payment and made the purchases. I use my card pretty frequently for small things there but i never pay the minimum payment. I made a large {$700.00} payment online months later to satisfy the majority of the amount oed for the promotion, and have paid well over the {$1000.00} in payments over the minimum payments over the past year. In XXXX my statement came with a charge of over {$300.00}. I called BEST BUY card services immediately and they informed me that my payments were not being applied to the promotion because i never called over the phone to them and asked for that request. I explained to them that if they checked i always made payments more then what the minimum was owed to satisfy the promotion. they stated that they are not required to do that based on the credit card act of XXXX. I stated that that makes no sense that they would apply payments to the lower balance purchases of {$50.00} and {$80.00} and not satisfy the {$1000.00} purchase. I stated that this is a form of fraud that they would deliberately apply payments to a different balance that results in a massive financial gain for the company. they kept referring that the credit card act allows them to do that and i disagreed.i called XXXX more times over the next few days and they noted the account so every time i called they just kept repeating that the credit card act allows them to do this, even though in the store where they took the payment. they stated the people in the stores do not know this information and that i still have to pay. i asked how could they have representatives that are giving information that is false and they know it, but they are not bound to the information their representatives are giving and that i owe this money. I asked how could this be that in the store where they deal directly 100 % of the time with the customers, and giving misinformation 100 % of the time that costs the consumers large amounts of money and results in a massive gain for the company. they again referred to the credit card act and then offered me a deal that i pay the entire amount of my card ( which is a {$2000.00} limit ) and they will waive the interest or i have to pay the interest. i said that is completely absurd and criminal. I have paid well over {$1000.00} in payments as i use my card frequently. This is more than unjust and criminal 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX ( following filing Chapter XXXX Bankruptcy ), I applied for a Loan Modification under the HAMP Program with my lender, U.S. Bank Home Mortgage. After several months of submitting any and all requested documentation I was denied due to 'documents not being received. ' Because U.S. Bank was virtually non-responsive, despite me reaching out to them on a regular basis, I also refiled the application with the assistance of XXXX. I subsequently filed a complaint with the WA Attorney General 's Office, who received a letter from US Bank, stating that the underwriter had been in error and they reopened my application. Today I learned that my loan modification had been denied again, this time for reasons that are again, erroneous. While I understand that, according to US Bank, there is no guarantee of loan modification, the HAMP program was designed to assist homeowners having difficulty with their mortgage payments, and prevent them from going into foreclosure. I have never been late or missed a mortgage payment. I am on XXXX, am almost XXXX years old, and believe I qualify for the HAMP loan modification program. Sincerely, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an installment loan with Loan Depot. They do not send a monthly statement to inform me of how my payments are applied. When I view my account information on line there is no information as to the balance of the account after payments have been processed. In addition, the payment is auto drafted from my account on the XXXX of every month by Loan Depot ; however, they do not apply the payment until the XXXX of the month according to what they do post on line. 

I have tried to contact them and get passed around and no one will answer my questions. The last person I spoke to told me to call back and he would help me if no one else would. I left him a message and he did not return my call so I still do not know how much is left on my loan, how it is being applied, and why it is not processed when they take the funds from my account. I also do not understand why they do not send me a monthly statement. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX, XXXX Dear CFPB, I have paid in full a medical collection account in the amount of {$940.00} from when I had and was treated for XXXX XXXX and they are refusing to remove the collection account. 
On XXXX XXXX, XXXX I was turned over to collection by XXXX XXXX XXXX, XXXX, Billing office XXXX, XXXX, MT. XXXX a division of XXXX XXXX XXXX XXXX by XXXX XXXX, XXXX, at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX , MT. XXXX. 
After being denied a payment plan which was granted by all other affiliates and divisions of XXXX XXXX XXXX XXXX and after being turned over to collection there was back and forth about what was actually owed I received XXXX, XXXX ( division of XXXX XXXX XXXX XXXX XXXX ) statement dated XXXX/XXXX/XXXX in the mail with a balance due of {$940.00} which I paid in full within 3 days and have a cancelled check # XXXX in the amount of {$940.00}, see attached. 
Recently I pulled my credit and the collection account is showing on my credit report. I forwarded a copy of XXXX, XXXX XXXX/XXXX/XXXX statement and a copy of my cancelled check and the XXXX XXXX XXXX XXXX wrote back and stated ; See attached " Hi XXXX, Collection Bureau confirmed that the original creditor is XXXX XXXX and XXXX XXXX has not recalled the account and it still has a balance of {$1000.00}. You can call Collection Bureau at XXXX. '' XXXX XXXX CUSTOMER CARE SPECIALIST - FCRA CERTIFIED CREDIT TECHNOLOGIES XXXXXXXXXXXX XXXX EXT. XXXX I then called Collection Bureau Services , Inc. A Debt Collector XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, ( XXXX ) XXXX XXXX and spoke to the Manager, XXXX XXXX XXXX who confirmed the balance due is {$1000.00} and that XXXX a division of XXXX XXXX XXXX XXXX has not released the account. 
I asked XXXX XXXX, " IF I have a balance due then WHY have n't I heard another word from you in over a year, one year and four months to be exact? '' and XXXX replied " okay XXXX, okay. '' XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX are in on denying me my rights to show a XXXX balance, collection paid on my credit report. 
I paid this bill ONE YEAR and FOUR MONTHS ago and this is the continued harassment from Collection Bureau Services Inc., and XXXX XXXX XXXX XXXX XXXX XXXX is blatant. I demand they remove this collection from my credit report immediately! 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , MT. XXXX XXXX and XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: i recieved a collection letter from c-tech collections XXXX XXXX XXXX XXXX ny XXXX .... ( XXXX ) XXXX sue thosar who is named as the collection division manager ... ..it was a collection notice for a doctor bill ... .it is for XXXX dollars ... this doctor apparently is not within my approved doctors and saw my wife in the emergency XXXX ... .two issues arise for me ... # 1 ) i was never given the oppurtunity to accept or reject the doctor ... he was presented as, what we thought, was an employee of the hospital ... but he was an " outside contractor? " ... .hence how can i be charged an exorbitant fee for something that i was not informed about ... .. # 2 ) i was never sent a bill from the doctor and was never given an oppurtunity to speak with him reference paying any of his fees ... ..he was paid an inservice fee by my insurance of about XXXX bucks ... .his collection agency disreguarded that payment and sent me a bill for the entire amount XXXX bucks ... ..my insurance company states they paid him XXXX and there is no way they should be billing me the entire amount ... .this collection agency comes up on a XXXX search as doing this stuff all the time ... c-tech collections ... .they even use a different outfit to send out the " collection '' letters ... .it comes from a XXXX XXXX ... .a XXXX search of that XXXX XXXX XXXX a company that sends out these letters for all kinds of doctors ... .all using various codes and headings ... i believe this practice violates federal collection law XXXX sub ( XXXX ) ... .using various names to try and collect debts ... .it is so questionable that new york state has made the system illegal as of mid year XXXX ... .but our original bill starts back in XXXX XXXX ... .hence the attempt at collecting what i feel is no way owed to anyone!!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XX/XX/XXXX, I received a notice of changes in terms to my AT & T Universal Platinum card, which I have held for over 20 years. The notice said I could opt out of their new arbitration provision by sending a letter postmarked no later than XX/XX/XXXX. I accordingly wrote such a letter on XX/XX/XXXX, and mailed it the next day, 11 days before the postmark deadline. On XX/XX/XXXX I received a notice from Citibank ( which owns the card service ), stating that my account would still be subject to arbitration " because you did n't mail your preference to opt out by the deadline we established. '' On XX/XX/XXXX I called the card 's customer service line and spoke to a man who identified himself as " XXXX in Arizona. '' He checked on the situation and informed me that my letter had not been received until XX/XX/XXXX. When I asked how that could be, given the date when I mailed the letter, he said, " I guess the Post Office took a long time to get it to us. '' He gave no information about the postmark, which is the determining criterion. He said that, in the future, I could opt out of card agreement provisions by telephoning. When I asked if I could opt out with him right then, he said no, it was too late. When I asked if there would be future opportunities to opt out of the arbitration clause, he said no again, but that " in the future, you can opt out of provisions by phoning us. '' I suspect that the company is being dishonest with me, that they are wrongly preventing me from rejecting their arbitration clause. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been making automated payments for several years. I am being charged an APR of 29.99 %. On numerous occasions I have requested my APR to be lowered. On each and every occasion they have responded that nothing can be done because my account has been closed. This seems unfair as I now have a long string of timely payments and the APR should be reduced to reflect this fact. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX my Macy 's credit card information was stolen from a Macy 's store in XXXX XXXX XXXX XXXX, XXXX XXXX, CA. Fraudulent charges were made of {$200.00}, {$210.00} and {$56.00}. Totaling {$470.00} in fraudulent charges. I found out about the fraudulent charges as I am registered to receive invoices/receipts via email. Upon discovery, I called Macy 's to report these charges and to close the credit card account to prevent this from happening again. The representative informed me that if I closed the account I would have to go through the approval process to to open a new account. I informed her that I did n't care and all I wanted was to close the account to prevent future fraudulent charges. She finally confirmed to me that it was closed and an investigation case was started. The case # she gave was XXXX. In addition, the representative informed me that I needed to complete a statement of fraud, which I did and faxed on XXXX XXXX. Since then, I have called them three times and the representatives have informed me that the case is still under investigation. In addition, they have confirmed to me that the account appears closed. On XXXX XXXX, more fraudulent charges were made to the account totaling {$84.00}. I was under the impression that my account was closed. When I called again, the representative informed me that someone within the company decided to reopen the account. Coincidentally new fraudulent charges were made to the account. The company was not able to explain how this happened. Especially an account that is already under investigation for fraudulent charges. I am so tired of dealing with these issues and do n't know what to do anymore. I feel helpless as no one at Macy 's is able to help with this matter. This is all too shady and unethical on Macy 's part. I really hope this sheds some light on Macy 's credit card practices as what they are doing is not right. 

Company response: Company chooses not to provide a public response
Consumer complaint: Saxon sold our borrowers loan to XXXX and I have been trying to get a release, XXXX got back to me and said yes. The release dept discovered that yes they did receive this file from Saxon when they closed but Saxon had already liquidated and charged off the account so all XXXX did was upload the file and did nothing on it as they realized Saxon sent them an already closed out file. They said they have several like this. With Saxon no longer in business, XXXX did give me XXXX number that is still in use where they just handle archived files. I called that number and it is nothing more than a message and it states if you are looking for a release you have to mail it in and gave a XXXX then says thank you goodbye and hangs up. You can not get a live person at all. I can mail it out however I can not even do XXXX with a XXXX. Just let me know what you would like me to do. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a USBank checking account. I have been keeping the account balance above {$1500.00} to avoid the service fee. When I decided to close the account last month, I transferred all the balance to another account outside USBank, and tried to inform them about my decision on closure via secure message. But I received their message back after several days, saying they can not close until I call them, and they already charged me a monthly fee of {$6.00}, making my account balance negative. I called them to close the account, and later I found the account was no longer in my online banking account, and I had no way to access it anymore, or pay the monthly fee. But today I received an email saying they are going to charge me {$25.00} per week overdraft fee, as well as a {$30.00} charge-off processing fee in XXXX. Also they are going to report this to consumer reporting agency. I think USBank is being ridiculous in this case. I informed them to close the account in the first place, but they did not, and charged me a monthly fee instead. Now they are saying I overdrafted the account because of they putting a unfounded monthly fee on my account, and they are going to charge me {$25.00} per week based on that, as well as a {$30.00} charge-off fee. Even if I intended to pay XXXX {$6.00}, I had no way to do so now since it is no longer in my online account. I want them to remove all these unreasonable fees. 

Company response: Company chooses not to provide a public response