AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have filed numerous complaints and disputes with Transunion, and as a monthly subscriber to their credit services, I have to say that I 'm appalled by their level of paying-customer service, much less attention to the needs of the consumer. Once they open an investigation, it essentially FREEZES the entire credit report during the dispute process, which takes approx. 30 days for each dispute. This means, that even though I have daily access to view updated credit reports, they information is static. 
On 10+ occasions during the past month, I have contacted them concerning an account to which I was listed as an " authorized user ''. This account was supposed to be removed over XXXX days ago, but they have failed to remove it. This past occurrence, I was instructed on XXXX XXXX that I would need to dispute the information directly with the creditor and file a dispute with Transunion. I did just that, and now they are approximately 20+ days into that dispute and have not contacted the creditor once. I spent over 4 hours on the phone with several departments within the creditor, and they assured me that nobody from ANY credit agency has contacted them, much less Transunion. 
I 've attempted to upload files to their dispute process, but since my report/file is completely frozen, it is impossible to do so. I 've tried faxing in supporting documents to the number they provided, but the fax # has been busy for 10 straight days. I 've tried calling them to request an email address I can send supporting documents to, and they attempt to convince me that nobody in their company has an email address. 
To date, I have contacted XXXX XXXX XXXX XXXX Credit Card ( XXXX the same place ) and have removed myself as an authorized user for the account. My wife is the only person financially responsible for this account, and I have supporting documents to show this removal. I 've attempted to have this resolved quickly by Transunion, but they seem content to not do anything in terms of an actual investigation and are failing service expectations miserably. 

Company response: Company chooses not to provide a public response
Consumer complaint: When converting an HELOC from draw period to Payback period, Wells Fargo changed the index and margin used to calculate monthly payments, Wells Fargo has not disclosed ( in written or verbal form ) that new index/margin even though I have requested written disclosure. Nor has Wells Fargo provided written proof that I accepted those changes. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed info on my Chex System report back on XXXX/XXXX/2015 that was fraudulent it was due to ID theft, I have never had a bank account and Chex Systems in violation of the FCRA has NOT responded! There 30 days is up they must now delete all of the information on my chex system report! 

Company response: Company chooses not to provide a public response
Consumer complaint: I was just made aware by a credit monitoring alert that ERC or Enhanced Resource Centers, which shows up on my credit as Enhanced Recovery, has put a collection on my account for {$1100.00} on XXXX/XXXX/15. I have never been contacted by this company! And in fact this collection used to be owned by XXXX as a XXXX collections and they removed it from my credit in XXXX 2015 due to the fact that it is not a valid debt and the correspondence had been sent to an address I have n't lived at for 10 years, which is 6 years before I ever had XXXX. Not to mention what they claimed I owed was for receivers I sent back through the company 's mailing process and 2 months of service which I could n't have used since I cancelled it and I did n't have the receivers because I had moved from the service address. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: The US Bank keeps adding additional fees of {$36.00} and {$25.00} for an Overdrawn Amount of {$440.00} which is unacceptable. As previously stated, the US Bank continue harassment is inflicting me with severe emotional stress. Every time the US Bank harass me I have to visit the local branch located XXXX, and ask the Manager to stop the continue harassment. This trip caused me stress as I am a XXXX with XXXX. Additionally to this, the US bank keeps e-mailing Urgent Notices with unacceptable wordings such as demanding immediate payment and/or collection action and/or bank account closure which is intentionally made to inflict me with severe emotional stress. The US Bank offers Overdraft Coverage to customers that open a Checking Account. The US Bank receives my income amount of {$1500.00} electronically deposit in my Checking Account on the XXXX. Wednesday of each Month as directed by the Social Security XXXX. The US Bank collects XXXX. Wednesday of each month all Overdrawn Amounts plus all Fees ; consequently the US Bank is not loosing any amount of money. 

Company response: Company chooses not to provide a public response
Consumer complaint: USAA has limited, basically blocked my access to their institution because of a credit card charge off, due to a divorce. I have many other accounts with them however I can not access all features of them due to this XXXX charge off. I pay my bills on time and the only negative thing is this credit card. I have since closed my checking and savings accounts with them, but have maintained all insurances with them. I have called USAA multiple times trying to access my information and they have refused to help me in this. Their only excuse is because of I have a credit card in bad standing with them, they have blocked my online and mobile access, and it is not possible to reinstate it until the credit card is back in good standing. This is humiliating, and a punishment from a bank. Absolutely ridiculous treatment to their military/veteran customers. We sacrifice and they discriminate. How is this even legal to do? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX has filed a law suit to collect on a debt that is not accurate. Since the date of supposed missed payment, my father, and has paid the amount XXXX different occasions and there is a chat transcript that verifies that payment was made given, and still XXXX XXXX XXXX proceeds to assert inaccurate information about debt being owed and continued harassment predatory in nature. Attempts to validate the debt has failed with the creditor as there has been more than XXXX collection companies also trying to collect on the same supposed debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have noticed a new collection account on my credit report that -- I have attempted to contact the company Credit Protection Association ( XXXX ) and have been unable to contact anyone on the phone. All of my accounts are current and I am unaware on any outstanding credit issues. I am a XXXX employee and I am concerned with an account that may have been opened due to the XXXX data Breach. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/15 I requested National Credit System provide validation for {$160.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: This submittal is associated with complaint # XXXX in that this is the bank my check was written against. I had made a mistake in writing a check ( # XXXX ) to the assisted care facility for my mother 's care. The figure amount was {$2000.00}, however, the written amount was " XXXX ''. Wells Fargo Bank credited my account for the abovementioned amount. When they received the actual check the discrepancy between the figure amount and the written amount should have raised a " Red Flag '' as to what is the correct amount to credit my account. Previous checks have been written against my account for the figure amount ( {$2000.00}, XXXX thru XXXX ). When I questioned the bank 's Branch Representative of why this check was not denied. I was informed that they go by the written amount and not the figure. This I believe to be improper business practice because it might render a customer account in an overdraft situation. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX of 2015 I requested my Experian credit file frozen. 
I was told I would get a PIN # in the mail, but it never came. 
I am looking to refinance a mortgage now, but without the PIN I can not go online to temporarily unfreeze my records. 
I have tried repeatedly to call Experian, but I can not speak to a real person for help. Please contact me by phone/text, email or mail. 

Company response: Company chooses not to provide a public response
Consumer complaint: Calls from XXXX XXXX at Allied Interstate phone number XXXX. I sent this firm a cease and desist letter on XXXX XXXX, XXXX. They did not comply with it as they started phoning me again on XXXX XXXX, XXXX about XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Original mortgage through XXXX XXXX Mortgage XXXX. 
Received a NOTICE OF SERVICING TRANSFER on XXXX informing me that the right to collect mortgage payments was being transferred to Lakeview Loan Servicing, LLC XXXX XXXX, XXXX effective XXXX XXXX, 2015. 
I called and spoke with XXXX XXXX Mortgage during the last week of XXXX to verify that they would not be automatically taking the mortgage payment out ( since I had automatic payment with them ) for the XXXX payment and instead to issue payment to Lakeview Loan Servicing. 
To date, I have not received any written or typed communication from Lakeview. The first communication I did receive was a single phone call at night on Tuesday, XXXX XXXX, 2015 at XXXX, and that was just an automated message telling me to call back the same XXXX number the automated message was calling me from, but during business hours. 
I have called back that XXXX number twice now, XXXX times traversing their automated-menu to try to reach a customer service agent, and XXXX times the system hanging up on me before connecting me to a customer service agent. The automated message also gave me a website to use ( XXXX ), however I am unable to use this website unless I have a Loan Number, which I have not been provided. ( I only have the original Plaza Home Mortgage Loan Number, which is not valid within Lakeview 's system ) On the original NOTICE OF SERVICING TRANSFER received from XXXX XXXX Mortgage, there was an address and different XXXX provided. I have called this number twice as well attempting to contact someone, and both times, get hung up on by the automated system before actually connecting with a person. 
On XXXX XXXX it 's listed that " your new servicer must deliver a transfer notice not more than 15 days after the effective transfer date. '' - This has not happened yet. I have had ZERO communication with Lakeview besides automated systems. 
I understand that on http : XXXX it lists that there is a 60 day grace that they can not charge me for a late fee or treat the payment as late, however I do not trust this new company at all given their astonishingly poor handling of the transfer so far. 

Company response: Company chooses not to provide a public response
Consumer complaint: As a result of filing a complaint for Case number : XXXX, Ditech has now accelerate the note to default because they claim they did n't know if we wanted to stay in the home and were restricted from calling us. This is unfair practice, not true and retaliation! I have made many attempts to call and left messages to response to my calls with no return calls. I have asked for repayment documents agreement and have never received them. We are only 2 months behind and when we finalize selling one of our assets, we will bring the mortgage up to date. Please advise on how we can stop Ditech from conducting this unfair practice and the acceleration. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX XXXX I received a phone call from Zenco Collections indicating that unless I settled a debt with Citbank that day, I would be subject to legal action on behalf of the creditor. They specifically threatened to place a lien on my vehicle. They indicated that the last payment made on the debt was XX/XX/XXXX. I have no idea if this is a valid debt or not, but this well exceeds the statute of limitations in the state of Florida. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX XXXX I received a phone call from XXXX XXXX indicating that unless I settled a debt with Citbank that day, I would be subject to legal action on behalf of the creditor. They specifically threatened to place a lien on my vehicle. They indicated that the last payment made on the debt was XXXX. I have no idea if this is a valid debt or not, but this well exceeds the statute of limitations in the state of Florida. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've received numerous letters from Selip & Stylianou , LLP stating they are authorized to commence judgement enforcement efforts to collect on a debt that has long passed the statute of limitations in the state of NY. The debt charged off in 2003 and the statute of limitations is 6 years. 

Company response: Company chooses not to provide a public response
Consumer complaint: Recently, I accompanied my mother to a local dealer to purchase a snowblower. The cost was {$790.00} + tax. During the transaction, my mother, who is a senior citizen on a fixed income, asked if the dealer offered free or low-interest financing. We were told we could get the snowblower financed for 18 months at zero interest. We agreed, and the dealer proceeded with the transaction. My mother and I both have excellent credit. Prior to closing the transaction, the dealer informed us that the finance company, XXXX, is charging an additional {$50.00} fee for the financing. We were not provided with another alternative to finance the machine but felt the price of the unit was good, so we signed the paperwork with the dealer. We realized a few days later that this was a mistake. In the meantime, the snowblower had been delivered. 

I contacted XXXX and spoke with a representative, inquiring if the {$50.00} fee could be waived or reduced. The representative told me that they do not do that. I then asked if the financing could be cancelled and was told that the dealer, who had already been paid by XXXX, could return the funds. I then contacted the dealer and asked if he would reverse the payment from XXXX, and I would pay him outright on my mother 's behalf, and then she could pay me back over time ( which is what we should have done in the first place ). The dealer told me that he would need to contact XXXX to see what procedure he would need to follow to return the funds. Upon subsequent follow-up with the dealer, he told me that XXXX told him that the transaction could not be reversed, which is not what the XXXX representative had told me. So who to believe? Now it seems that we are stuck with the {$50.00} fee. 

I realize that, by signing the paperwork to initiate the financing, we do n't have much recourse on getting the {$50.00} back. My complaint, though, is that for an {$800.00} purchase, a {$50.00} " document prep fee '' ( what XXXX is calling it ) is too much. The customer is enticed with the offer of zero percent financing for 18 months, but it 's not zero percent. On an {$800.00} purchase, {$50.00} is actually 4 % annually, no matter what they call it. I believe that this practice is deceptive. Finance companies should charge a stated percentage of the total cost ( 1 %, 2 %, etc ), explicitly stated to the consumer and not say that it is 0 %, get the customer excited and then say, " but you have to pay a fee. '' 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a response for case number XXXX. I am unable to gain access to the established account. To recap, I was diagnosed with XXXX XXXX around XXXX. Initially, I did not have insurance. The medical costs placed me in a financial deficit that also resulted in pre-foreclosure. Through the good graces of the Florida Hardest Hit Fund, I was able to keep my home. XXXX is the mortgager and XXXX is the servicer. However, XXXX sent me an account statement dated XXXX XXXX, XXXX ( see attached documentation ) indicating that total amount ( arrears plus principal ) due was {$28000.00}. On XXXX XXXX, XXXX XXXX paid XXXX {$8500.00}. I received account statement dated XXXX XXXX, XXXX indicating that total amount due after application of the XXXX XXXX, XXXX disbursement was {$23000.00} with a monthly payment of {$230.00}. On XXXX XXXX, XXXX, XXXX paid XXXX {$12000.00}. I received an XXXX XXXX, account statement indicating a monthly payment of {$230.00} and principal balance of {$13000.00}. The XXXX XXXX, XXXX, statement showed a monthly payment jump to {$310.00} even though all required payments including monthly mortgage, were made on time. It also reflected continued extraction of escrow payments for PMI, taxes and insurance even though I had paid all taxes on the property on time from the inception of the loan ( see attachments ). The only proof of insurance provided by XXXX was effective XXXX XXXX, XXXX, after I had submitted my initial complaint to the CFPB.. After submission of the complaint to the CFPB, PMI was dropped without credit for previously incorrectly extracted funds and monthly payment per the XXXX XXXX, statement increased to {$990.00} ( see attached ). At inception my mortgage was approximately {$130.00}. XXXX has levied charges for items such as {$430.00} for property repairs that never happened. I have lived in this property since inception. I repeat for emphasis, that I believe that XXXX and XXXX is attempting to steal government funds and force me back into foreclosure. Please take a close look at the documents I have provided. I am trying to determine the fair principal and monthly payment owed after the correct application of FFH funds. I need all escrow charges refunded to me as they were applied incorrectly at best, fraudulently at worst. They did not pay property taxes. I did ( see attached documentation ). Nor, have they provided proof of insurance effective prior to the date of my complaint to the CFPB. How can monthly payments fluctuate so dramatically at the whim of the servicer on a fixed rate mortgage that is not in default? PLEASE HELP! 

Company response: Company chooses not to provide a public response
Consumer complaint: I contracted XXXX services in my residence through XXXX XXXX back in XXXX. For installation services, they claim they sent me an invoice for XXXX {$49.00} by mail. I never received such invoice. I receive several bills by mail and never failed in promptly paying any bill I received. As a customer of XXXX, I requested, in at least XXXX occasion, support services from XXXX during the period I had XXXX in my apartment. Support services were provided normally and no debt was ever mentioned. If I was in debt with the company and they had that in their system, why is it that I requested a service and the service was rendered without ever mentioning any debt? 
Now, 6 months after I canceled XXXX services, and more than one year after the installatoion date in XXXX, an open collection account with XXXX is showing in my credit report. I chatted with a representative of the company and they told me the invoice was sent in XXXX ( the XXXX I never received ). XXXX has always had my address, e-mail address, phone number and, more importantly, a valid credit card on file. Why is it that they never sent me any communication, verbal or written, that I had an active debt of XXXX {$49.00} so I could pay for it. Why have they never charged my credit card they had on file for the XXXX {$49.00}. Why have n't they refused to offer me support service if I had an open debt with them? When I asked their customer service representative, the only answer I got is that an invoice was sent to me, once, in XXXX. And with that, they assumed I was a bad payer ( even knowing that I paid all XXXX monthly fees on time for the 7 months I had the service. This is absurd. 
They sent my debt for collection to ATG Credit. After chatting with XXXX 's customer service representative, I then immediately called ATG Credit and paid for the pending XXXX {$49.00}. I also queried ATG 's customer service representative about their having to notify me before hitting my credit file with an open collection account. They claim they also sent me a letter. I never got this either. I honestly doubt any letter was sent. Again, I would never ignore or fail paying any open debt I knew I had. I have virtually no debt. I carry no credit card balances ( I pay all balances monthly ) and have XXXX leases I pay religiously every month. 
After the collections account was sent to Equifax, my credit was hit by XXXX points because of that. This is not fair. I can not pay a debt I never knew I had. 
Now I am shopping for a home and was looking for alternatives to get a mortgage. These XXXX points can considerably increase the financial cost of a mortgage loan. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have established auto pay with XXXX of my credit cards through my bank ( BB & T ). When the credit card request payment, BB & T does not pay. I have received a letter from XXXX Bank for XXXX payment stating they are closing my account for dishonored payments.When I do my payment on line, it does go through. I now have the credit card suspended. I 've went to BB & T several times with no satisfaction .I am also been reported to credit bureau. How can I make sure my credit has not been harmed? 

Company response: Company chooses not to provide a public response
Consumer complaint: After finding a house with our realtor, she stated they had a lender in the same building and referred us to " their '' lending team. After a smooth transition from putting an offer on the home, to signing documents, we tried following up with how things are going. We did n't hear from there for a whole week after many tries. At the two week window before close of escrow and receiving paperwork to remove contingencies, we received notice we had to pay a medical judgment. We immediately wondering why would this come about at such a critical time? I looked into it further and saw were paying a 5 % VA loan in which all the closing cost are being applied to our loan when the lender has said they are paying for it. They beat around the bush when we ask for documents like the Desktop Underwriting which should have shown the steps to avoid our current situation. I have contacted other mortgage companies to compare and they have told me this is a scam. I am at a week to close and want to bring awareness and or legal help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX I verbally filed a complaint about daily harassment calls with FTC Consumer Fraud Division File XXXX XXXX XXXX XXXX on ERC Debt Collection Agency. A recorded message asking for " XXXX XXXX re claim XXXX XXXX. If I am not XXXX XXXX disregard this call if I am call XXXX XXXX XXXX. '' On XXXX XXXX I talked with a ERC rep and told them I am not XXXX XXXX and to stop calling. ERC continues to call daily. 
Times : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. This is to update you with more info re my complaint # XXXX XXXX XXXX XXXX 

Company response: Company disputes the facts presented in the complaint