AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Transunion has consistently allowed XXXX XXXX XXXX XXXX to report accounts that were protected and included in a 2008 bankruptcy to my credit profile. XXXX XXXX has failed to comply with the Fair Credit Reporting Act with the help of Transunion by using them as a means to attempt to collect a financial debt that is no longer legally responsible for re-paying. Transunion has failed to review my evidence and continues to accept the creditor updates. After many failed attempts at trying to resolve this matter, XXXX XXXX and Transunion leave me no choice, but to take legal actions against them. I am not delinquent on any mortgage account with XXXX XXXX XXXX XXXX because I do not have an obligation to pay any balanced owed or due in accordance with my bankruptcy discharge injunction. My injunction is a permanent injunction. Transunion and XXXX XXXX are in violation of both my injunction and the FCRA by reporting an account for greater than 7 years in a delinquent status. Those accounts should be removed after 7 years. XXXX XXXX re-aged the account in order to continue reporting on the account. XXXX XXXX reported that account with a derogatory status beginning in XXXX of 2008 ... nearly 8 years ago as a bankrupt account. Since they know they ca n't legally report on this account any further they know that the incompetent staff at Transunion will accept their paperwork and ignore that of the consumer. Transunion is irresponsible in their duty to protect the consumer from prohibited practices and false reporting. Transunion is the only CRA that is allowing this practice. I am going to take legal action against Transunion and XXXX because this is my final attempt at getting the to correct the problem. I have attached a letter from my attorney that clearly states I do not owe XXXX any money and they can only enforce the lien. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XX/XX/2016 I did an ATM withdrawal for XXXX.The terminal I used in XXXX AR charged XXXX.That would be a total of XXXX.I did no more withdrawals after that.The same night I called Barclay to report to close the card because an establishment in which I had visited did not secure cards properly.However I have the card in my possession. 
After this one XXXX, I have been receiving charges of XXXX continuously on my statements.My statement for XX/XX/XXXX/XX/XX/XXXX had XXXX ATM CASH ADVANCES of XXXX and CASH ADVANCE FEES.There was also Interest fees on the Continual Incorrect Charges.This made my payment XXXX for the month.I had called customer service Overseas and she told me to just pay the amount stated, next month would be correct amt.MY payments normally do n't run over XXXX per month.For my balance i normally carry payments do not run over XXXX.I would have been charged late fees had I not paid that incorrect payment and then there would have been a bigger problem. 
So, I looked online on XXXX/XXXX/2016 and there were more of these incorrect charges.What I saw was a XXXX ATM Cash Advance for the entire month of XXXX the Cash advance fee for each day as well.Totaling XXXX.Plus the Cash front End Fees totaling XXXX.Not to mention the entire page of ATM Cash Advance Charges.Some had minus signs meaning Reversed. The Customer Relations Person had to attempt to go thru and add up all the repeated charges which had become a total frustrated situation for a Barclay cardmember. Again, I have the closed card in my possession so I know its not Fraud, This is BARCLAY Cards error.If I pay this bill my payment would be XXXX and some cents. 
I need this chaos corrected, IMMEDIATELY. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I paid my auto loan within the 10 day grace period and the company still assessed a late fee. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX provided the worst Cable TV, Internet and Telephone Services we had ever had. We called repeatedly to find out why we could not cancel services on line. To learn we could not. So we called and called to cancel via telephone. The answer XXXX gave was they were experiencing high call volume at the time and he would have to call me back to cancel the services and pick up the equipment. XXXX never called back. 

Again, I repeatedly called after getting the new service provider, to have the equipment picked up, it literally took more than a month. I explained I would not pay any charges that would be billed as a result of them not cancelling the services when I initially called to cancel and have their equipment picked up. 

Now receiving bills from collection agency ( Stellar Recovery , Inc. ) for {$95.00}. Which I have no idea as XXXX has not billed me for any charges. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I currently reside in XXXX, but this loan was established online when I lived in XXXX, XXXX My first challenge is the validity of the loan since it is prohibited in XXXX, XXXX XXXX. The other, is the interest rates originally 135 % then reduced to the current rate of 84 %. This seems more than the law allows based on XXXX usuary laws. I have already paid XXXX / Cash Call more than my original balance of {$2600.00}. Additionally, the amount I owe is more than the original balance. I offered to settle for an amout XXXX to give, {$800.00}. They declined and countered for nearly {$2500.00}. I advised them that I have been out of work since XXXX 2015 and could not continue to maintain this loan. Today, they called asking when my payment will be made, Due on the first of each month. I advised the rep. that I no longer wanted to be contacted regarding this matter as my last offer was my best. The call was discontinued. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: RE ; WELLS FARGO - LOAN # XXXXPlease help me avoid foreclosure, it is now over XXXX months since i requested help from my mortgage company regarding a HAMP loan modification. for the past XXXX months Wells Fargo has assigned XXXX different negoatitors to review my application and every time i get assinged they request for the same documents over and over again. 

Please help me since i have provided every single document to qualify for a loan modification and now as of XXXX/XXXX/2015 Wells Fargo told me that i was denied because it is not on the best interest of the investor to help me keep my home. 

Now i am frustrated and upset since it is now almost XXXX months going back and forward with Wells Fargo playing games. 

XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: This account is not mine that is on my report, just showed up this month XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Date Opened:XX/XX/XXXXResponsibility : Authorized AccountAccount Type : Revolving Account Loan Type : CREDIT CARD Date Updated:XX/XX/XXXXPayment Received : $ XXXX Payment Made:XX/XX/XXXX Pay Status : Current ; Paid or Paying as AgreedTerms : {$20.00} per month, paid Monthly High Balance : High balance of {$970.00} from XX/XX/XXXX to XXXX ; {$1000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$1000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$1000.00} from XX/XX/XXXX to XX/XX/XXXX Credit Limit : Credit limit of {$1000.00} from XX/XX/XXXX to XX/XX/XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My sister passed away in XXXX 2015 and I have been attempting to resolve closing her bank accounts with Bank of America since XX/XX/XXXX without resolution. The bank is requesting an Affidavit of small claims which apparently comes in a multitude of forms, all of which have not been acceptable to BOA and I continue to receive letters stating I have notarized the wrong form, having missing information etc. I think the BOA should declare on the Estate Unit site that it is unlikely the customer will be able to close accounts of their loved ones secondary to the complexity of the form or the inability to file the appropriate affidavit to receive the funds from the accounts without the assistance of an attorney. I will be obtaining the services of an attorney at this point in time to close my sister 's accounts. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I submitted a complaint to the CFPB on XXXX XXXX, 2016. ( Case No. XXXX ) The bank allegedly responded on XXXX XXXX, 2016 to the complaint and said " Per the coding on the account, a response has been sent to the attorney on file. '' I checked with my attorney who represented me previously in a lawsuit involving the bank and he stated he has not received any response from the bank regarding my CFPB complaint. By the time I tried to dispute the bank 's response, more than 60 days had elapsed and I could n't respond. Please reopen this matter and ask the bank to resend the response they allegedly sent to my lawyer directly to me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am no longer wanting to dispute the account and the collection agency is refusing to remove the comment from my credit report 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There is a entry on my credit report that was previously disputed. I reached out the to the company to request a verification of the debt as I expressed that it was not mine and that i was disputing the debt in its entirety. As per the FCRA 30 days elapsed and there was not written response mailed to me so the law stipulates that this must be deleted. I expressed this to Transunion however the entry remains on my credit report, which is in direct violation of the FCRA laws. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a home XX/XX/XXXX and XX/XX/XXXX I received notice from the credit bureaus that I had a 30day late payment on my credit which has dropped me over XXXX points. After receiving the information that I had been late I went to XXXX/Stearns and asked when the payment was late in because the payment I had submitted was on XX/XX/XXXX which was 10 days past the date I needed to submit for. They then told me that the payment I made on XX/XX/XXXX would be to cover XXXX XXXX payment which would make it 40 days late. After much discussion I found that my account has had a rolling 30day late payment since XX/XX/XXXX. Believing this was wrong I went to my bank and requested the past years bank statements and payment history with confirmation of payment emails and have not found a month where a mortgage payment was not deducted fro my account. I then took the information to XXXX/Stearns and they told me to submit a email using their secure server on their website and include the documents that I have. I submitted 2 emails to Stearns including the information they required to resolve the issue and nothing has been done. We have also sold our house that was with XXXX/Stearns so the loan is closed out, but since XX/XX/XXXX we have received XXXX more 30day late payments on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX Dear Consumer Relations : Going over my credit report, I have found it contains many errors. I request your investigation of the following " personal information ''. Please see the attached photo copy of my lease- for your reference. For the record : 1. My name is : XXXX XXXX. Please remove all other name variations IMMEDIATELY- they are not accurate! 

2. My current address is : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Please remove all other addresses IMMEDIATELY - they are not accurate! 

Please delete these disputed items, as I am concerned about identity theft. Thirty ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX SS # : XXXX DOB : XXXX/XXXX/XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: They have doubled the amount by filing it twice for one second this was to be filed on my insurance and was given instructions as to how to file being it was state medically needy insurance they refused to do so saying I had to pay it and get reimbursed from my insurance and that is n't how that insurance works so they need to file it with the insurance and remove this from my report 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The collection agency " The XXXX XXXX '' called me numerous times. This morning they called again from XXXX and I answered. They asked to speak to XXXX XXXX, who is my XXXX year old mother. I told theM she was asleep and XXXX. The Representative XXXX XXXX asked if i would wake her up and i said no i would not and asked if i could help them as i am her son. She then explained that she was a debt collector and that my mother owed money to someone - I did not catch to whom - at this point I explained that she had violated the Fair Debt Collection Practices Act by disclosing to me a third party that : A. Who she was B. Who she worked for C. That she was a dept collector D. Who her client is She began to try to talk over me, insisting she had not violated the law. 

I asked for her name which she gave willingly, but I had to ask her a few times for the name of her company and she all but refused to give me her phone number saying " do n't you have it on your cell phone? '' I told her that the number that appears on my cell phone may not take incoming calls and that I wanted the correct number to her company, which after a few more requests she gave me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: There are XXXX student loan accounts for my Daughter that i was a co-signer on. XXXX of these account were in collection. The agency that serviced these accounts was XXXX and they had written off XXXX accounts in XXXX XXXX. Fast Forward on XXXX/XXXX/XXXX XXXX ( XXXX XXXX ) was settled in full thru XXXX XXXX. The XXXX loan on XXXX/XXXX/XXXX XXXX was settled in full thru XXXX XXXX XXXX XXXX offices who was contracted by XXXX XXXX XXXX.who contracted by XXXX XXXX XXXX XXXX XXXX to service their accounts. Since this this time I have been trying to get these XXXX accounts reported correctly on our credit reports. Thru numerous disputes dateing back a year or more i can say that this is a disaster. XXXX claims they have nothing to do with these accounts since they wrote them off in XXXX of XXXX yet they are the ones that have done the reporting and who the credit agencies contact for the dispute. XXXX has done another wonderful thing and that is they have XXXX account number for XXXX of those accounts, which is the account number for the XXXX loan, but the XXXX loan is also under that account number But the actual account number is different. Now XXXX and XXXX have sent XXXX letters that these accounts are settled in full, but on our credit reports they are reporting that the Accounts are in collection with a balance due and a balance past due. XXXX even has gone as far as on the XXXX ( XXXX ) of reporting balance XXXX, Payment received XXXX past due XXXX status in collection.Nothing like mixing the XXXX accounts together. I have sent hours i mean hours on the phone with the credit agencies particular XXXX ( because on XXXX/XXXX/XXXX they finally were reporting correctly ... and changed back to reporting incorrectly on XXXX ). All the hours of phone calls and conversations to the credit agencies and to XXXX they absolutely refuse to report these accounts as settled in full. XXXX says they are reporting correctly and the credit agencies tell me they only report what is sent to them and do not have the power to change it. I have also have been told the proof of settled in full is not acceptable because the account numbers do n't match on the XXXX. As i said XXXX did a wonderful thing by listing both accounts under one account number. And They wo n't Rectify that. I know these accounts were in collection and circumstances at the time led to the accounts going to collection. But when the circumstance changed, i made agreements and paid these off. I have worked hard to build my credit back up and my daughter is building hers, that without these XXXX accounts being reported correctly she ca n't buy a home, our insurance rates are higher etc ... We need help and XXXX and the credit agencies refuse to correct this. Your our last resort. 
thank you 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The amount of the debt was extremely escalated. When I asked them to show me proof of the additional amount, they were not able to. I attempted to pay what my lease states that I owe and they completely ignored me. 
The debt in question is a result of normal wear and tear from living in an apartment. Also, there was prior damage when I signed my lease. 
I sent certified letters to all parties trying to resolve this issue. All parties ignored me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: EA Uffman & Associates CSD CollectionXXXX XXXX, LA XXXXXXXXCheck my credit ( causing another inquiry on my credit report ) that I never approved. I want them to recant that and no longer be allowed to use my credit info in any capacity not only do I not owe then anything but I have not applied for anything from them. 

Company response: Company chooses not to provide a public response
Consumer complaint: IVBE CONTACTED THIS COMPANY SEVERAL TIMES ASKING THEM TO VALIDATE THERE DEBT THEY HAVE N'T AND STILL CONTINUED TO REPORT TO ALL XXXX CREDIT AGENCY 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: IVE ASK THEY COMPANY TO VALIDATE THERE DEBT THEY HAVE FAIL TO DO SO. AN STILL REPORTING THIS BAD DEBIT TO CREDIT REPORTING AGENCIES 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Yesterday, XXXX, XXXX, 2016, I personally went to USBank, XXXX XXXX XXXX Branch to inquire about my Cashier 's Check that I never received. Go to find, XXXX XXXX, Personal Banker sent the Cashier 's Check by XXXX, but the Check never arrived. XXXX, Personal Banker gave me a print out of the XXXX information. I then, checked with the Drop-Off Location, XXXX Store # XXXX, XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX, CA ( XXXX ) XXXX. They only had a record of it being dropped off on XXXX XXXX, 2016 at XXXX XXXX. So, they told me to call XXXX ( XXXX ) XXXX to locate the check and I found out that the check was " LOST ''. They CAN NOT find the location of the check since it was dropped off at the hub in XXXX XXXX, CA. Now, since the check is LOST it needs to be investigated and it will take time to locate. 

I went back to USBank to explain what happened and there was " NO ONE '' in charge. " NO BRANCH MANAGER '' nor " NO ASSISTANT BRANCH MANAGER '', only the Personal Bankers that told me there 's nothing can do for me. They firmly said, they " WILL NOT VOID '' the LOST CHECK, nor will they " ISSUE ANOTHER CHECK ''. And, that I had to wait 90 days until they resolve this issue in order for them to issue me another Cashier 's Check. What kind of bank business is this? It makes " NO SENSE '' whatsoever. The FACT that I am reporting this check being " LOST '' by XXXX, they are still adamant to not issue me another check. SERIOUSLY?? 

Firstly, XXXX XXXX, Personal Banker took it upon himself to " CLOSE '' my Checking Account without notifying me by phone. Secondly, he had the Branch Manager XXXX XXXX XXXX send me a letter which was sent " Regular mail '' that, I received with no problem ( why did n't they include the Cashier 's Check in that envelope )? On the letter it states that it was sent " Certified Mail '' which is a " LIE '', because the envelope has no notification of it being sent " Certified Mail ''. Thirdly, my Funds are lost and they want me to wait for 90 days before they issue me another Cashier 's Check with " NO FALUT '' of my own. I find this to be completely " UNFAIR ''. 

Instead of the Personal Bankers, being helpful and apologetic ; they treated me with total disregard and disrespect. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am not certain this complaint is being posted in the correct area, but this is the closest area I could find related to my complaint. My complaint concerns the credit score reductions for no legitimate reason. Let me start by saying, I am not understanding why my credit score declines if someone simply inquires as to what it is. If my credit score is XXXX and someone runs my credit to see if I qualify for credit with them, it brings my score down XXXX points. Which now means my score is XXXX. This seems so unfair to me. A credit score should be diminished for failure to pay, slow payment, or bankruptcy. A credit score should not be decreased because someone inquires as to what it is. Example : : I decide to purchase a home, they run my credit, it is XXXX, borderline fair and poor. That lender is not meeting my needs and I decide to change lenders, and the new lender runs my credit and it has gone down XXXX points to XXXX which is now reflect the score as poor, which now means I ca n't get a house at all because my score has to be at least XXXX. I have not done anything wrong to cause this. I have not failed to pay anyone, or been delinquent with any payments. It 's as though you 're taking away my right to change my mind, and destroying my chance at home ownership just because of a credit inquiry. It does not seem to me that the services are making any money when a business inquires as to what your score is. If that is not correct, please enlighten me. This is a matter that needs some serious revamping, not later but as soon as possible. It is unfair to all consumers, whether the credit score is XXXX or XXXX. 
I will be sending this request for change to you every day until my voice is heard and also looking for other sources to voice my complaint to in the meantime. 

Company response: Company chooses not to provide a public response