AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX/XXXX/2015 I submitted a Case through the CFPB Portal to Transunion ( Case number : XXXX ) In order to correct information regarding a student loan that I had fully paid off after not being able to get a resolution via the regular channels. On XXXX/XXXX/2015 Transunion responded to the CFPB appropriately and let me know that they had updated the information in reference to the Attorney Paid In Full letter that I attached in the previous complaint. On XXXX/XXXX/2015 this information reflected on my credit report, and all was good. My Fico Transunion Credit Score Went Up XXXX Points to XXXX, and I felt that this nightmare was finally over. However two weeks later on XXXX/XXXX/2015 I received an alert from MyFico that my score had dropped XXXX points From XXXX to XXXX. I thought that this might have been caused by a reversal of the update that transunion made on XXXX/XXXX/2015, so I obtained a new copy of my credit report, however everything appears to be correct. The only thing that could be different are the remarks/closed status. On the report Transunion lists the account in question as " Closed-Derogatory '' when it should be listed as " Closed-Paid In Full '' as the account is no longer derogatory. In addition they list the payment status as " Collection/Charge Off '' when it should be listed as " Paid '' As this is what is directly reported by the Creditor. I have attached a written letter from the Director Of Student Loans for XXXX XXXX XXXX which states a description of the loan ( XXXX ) and that the loan is is " Paid In Full '' and not " Closed-Deragatory '' as has been reported by by Transunion ( XXXX ). If Transunion Wishes to verify this information, they can contact XXXX XXXX directly at XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Asked citi if they waived their credit cards ' annual fees for XXXX service members. They said yes and gave me an email address and fax number to send my substantiating documents too. Filled out their credit card application since they assured me that there would be no fee and soon received my card in the mail. They later got back to me and told me that because I entered XXXX before applying, I do not qualify for the waived fee. This seems, at best misleading, and at worst, deliberate targeting. I have an upcoming XXXX and out charges on that card. My only options are to pay off that card somehow and close it out within & lt ; 20 days at this point ( even though I wo n't be reimbursed for another 40 days, at least ) or suck it up and pay the annual fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: We recently checked my credit report on XXXX 2015 and I was not aware that their are XXXX accounts that was open and did not know about. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a mortgage still being reported to my CBR, according to Ohio law this should be removed from my CBR after XXXX years. As the last reported information on this accounts was on XXXX/XXXX/2003, I am requesting this be removed from my credit report. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: THIS COMPANY IS REPORTING FALSE NEGATIVE INFO ABOUT ME TO COMPANIES AND DECLINING CHECKS I WRITE TO COMPANIES THEY WORK WITH. WHEN I CALL TO GET TO THE BOTTOM OF THIS, I 'M BOUNCE AROUND, TREATED RUDELY AND INSULTED. I have contacted this company many times and provided information time and time again. They are very rude, uncooperative, insulting and insensitive to the problems they are causing by distributing slanderous and defamatory and false negative information to companies. They do n't care about anyone but themselves. There are virtually hundreds of websites dedicated to how horrible these people and company is and how many people they have done this too. 

Here are a fewhttp : XXXXThis site talks of this company being fined XXXX XXXX dollars for Fair Credit Act violations. 

https : XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2011 I spent about a month in XXXX XXXX in XXXX XXXX XXXX. They operated to relieve a problem with my XXXX XXXXMy hospital and doctor bills were paid by XXXX and XXXX. 
XXXX XXXX XXXX was XXXX of the doctors who attended me during my stay. 
I recently found out that XXXX XXXX claims that I owe him {$5000.00} and he has placed me in collection. 
I do not see how this can be. XXXX XXXX and all the others were paid by XXXX and XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: We purchased our home in XXXX XXXX. Purchase price was $ XXXX. We were persuaded to use a XXXX interest only loan from our mortgage broker with Wachovia Bank ( now Wells Fargo ). The interest only loan is at a rate of 7.125 % ( Balance as of XXXX XXXX {$260000.00} ) and the home equity loan is at a rate of 9.34 % ( Balance as of XXXX XXXX {$61000.00} ). We have reached out to Wells Fargo several times in the last couple years to refinance and was told that since our home is underwater they could not help. In XXXX XXXX we had a baby girl and around the same time my husbands career permanently changed and caused a reduction of monthly gross income of $ XXXX per month. During that time we used up all assets including liquidating my IRA to cover monthly expenses. In XXXX XXXX we reached out to Wells Fargo seeking assistance to modify our home loans. 

At this point we 've asked them to combine both loans into XXXX new 30 year mortgage that we can afford and keep our home. 

Company response: Company chooses not to provide a public response
Consumer complaint: I signed up for a credit card via XXXX XXXX. Once it came in the mail I was not happy with the terms so I did NOT activate it. I latter received a bill for {$75.00} dollars to cover an annual fee. When I called to complain they told me the card would be cancelled and I would not have to pay this 'fee '. This month I got another bill for for the same {$75.00} + interest. When I called to complain they told me it was a bank error and I would not be responsible for the account. Remember, they said that last month. Unfortunately the liars put a mark on my credit score. Are they kidding?! I did n't activate the card! They told me the first time I called this account was closed ant that I would not be charged. I am disgusted that my account is labeled delinquent. Then they told me this issue with my credit could take 60 days. I told them this is unacceptable. I cancelled this card that was never activated. Will this company be investigated? I do not believe this is fair business practice. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a cellphone contract with XXXX XXXX XXXX XXXX since XX/XX/XXXX. In XX/XX/XXXX I changed my contract from a personal account to a corporate XXXX. When XXXX XXXX XXXX XXXX made this change, they inform me that I will continue making my payments under the new corporate bill. I started to receive and pay my new bills. Months after I received a new statement under my personal account information. I decided before making any payments to require information about. Then waiting for the XXXX XXXX XXXX XXXX response, I received a letter from a collection agency requesting the debt payment. In this moment, I fill out my XXXX dispute with Transunion, but I feel I do n't receive a fair result. Weeks after, XXXX XXXX XXXX XXXX explain to me that the charges under my personal account are originated from a prorated. In this moment I understand clearly where the charges are coming from and I process the debt payment. After pay my debt I dispute my account once again because XXXX XXXX XXXX XXXX failed in notify me where my charges are coming from. XXXX XXXX XXXX XXXX never accept their fail to me and also to Transunion. Today, I have this account in my Credit Report with a payment status " Collection/Charge-Off '' and remarked as " Charged off as bad debt Profit and loss write-off ''. I need Consumer Financial Protection Bureau to verify this because I think it is unfair that I have these bad marks in my Credit Report because XXXX XXXX XXXX XXXX do not bill this charges clearly and failed in notify me. I submit for your consideration XXXX copies of my account info as appear on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent XXXX certified letters in reference to XXXX XXXX and XXXX accounts to remove the verbiage that I disagree with dispute. I said I DO NOT DISAGREE, so there is n't anything to resolve!!! Today they were both added back, why???. 
XXXX - " Dispute resolved ; customer disagrees '' XXXX XXXX - " Dispute resolved ; reported by grantor '' 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested that Performant call my cell number as a PRIMARY contact # However the representative called my home number. I am concerned that I will miss critical calls re : my payment status if the primary contact number is not used to contact me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made a normal checking account bank deposit at my regular bank branch of {$5500.00} which included a check made out to me for {$4000.00}. The deposit was accepted, but then later I received a letter in the mailing saying the {$4000.00} check was being reduced to {$400.00} XXXX see enclosures XXXX. The check quite clearly says $ XXXX on the XXXX line and " XXXX XXXX '' on the XXXX line. I took this letter to my bank branch and they seemed to agree with me that {$4000.00} was correct, but then I got a XXXX letter saying they would not change it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a call from XXXX saying I owe money on a bail bond. I told him I have n't taken out any bail bonds. He gave me an address ( it was wrong ). He then asked me for my birthdate. I said I would n't provide. He made some snide comment about sending me a birthday card and then told me I 'm not cooperating and hung up. I 've tried to call back but no XXXX answers. I do n't know if this was scam or not, and I ca n't get anymore information since they wo n't pick up the phone. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: A XXXX collection account placed on my credit report was removed from XXXX and XXXX after it was disputed by myself, but is still reporting on Experian. after numerous attempts to clarify and resolve this matter with Experian, I keep coming up with no answers. this is an old account that should have fallen off my report according to the FCRA compliance date instead, it has been re-aged and reconstructed to make it still reportable. On a credit report pulled by myself in XXXX, this item was due to be reported in XXXX.ON another report requested by myself in XXXX, this item was re-age to continue reporting in XXXX.and last but not least, in XXXX, XXXX when I got my credit report, it is again re-aged to continue reporting in XXXX and all of this is taking place without any correspondence from me. In other words, I have not have any communication from them neither by mail phone nor any type of communication with this company. However, after receiving my credit report earlier this month, i contacted Experian and a representative told me that I needed to take it up with XXXX because they were the ones reporting this item. when I contacted XXXX through the phone number that was listed for them, i spoke to a gentleman from the collections department. I explained the situation to him and I gave him the account and the number that have been reporting on my credit report. He could not find anything under the account number I gave him. He gave me his email address and asked me to send him a copy of the credit report with the reported account so he can take it from there. I emailed him the information that same day, and I still have not gotten any response from him. I am super frustrated and I need this item removed from my credit report. I have a copy of my XXXX and XXXX report 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been working with XXXX for over 3 years. My auto loan is at a rateof 24 percent. The phone calls are relentless beginning at XXXX daily. I am trying my best withthese people but nnothing is good enough. I am exhausted due to their overwhelming phone calls. 

Company response: Company chooses not to provide a public response
Consumer complaint: On the first contact, the collector DID give the Mini-Miranda, but DID NOT verify any of my information such as D.O.B or last XXXX of SSN before proceeding. Once she asked if this was " first name, last name '' and I said yes, she immedietely began to disclose information about my debt. ( I could of been any " first name, last name '' ) This is an FDCPA violation. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I got a loan from Cash Call for {$2500.00} - a year later, I 've paid it back and more. I finally was able to pay off said loan so I logged into my account, noted the payoff amount and mailed a check. ( They do not make it easy to pay online. ( ie need to make mult payments to pay full amount - plus fees for each payment ) I mailed a check - now they say that 's NOT the payoff amount because they got check 2 days later. And they want more money! 
I will NEVER again do business with Cash Call and DO NOT recommend them. They are PREADATORY. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Suntrust Mortgage Inc. has been continuously harassing me while mishandling my mortgage/escrow funds. I received an Escrow Analysis of my mortgage ( which they service ) back in XX/XX/XXXX. They claimed that payment will be increased from {$2800.00} to {$3100.00} due to escrow shortages that their representatives could not explain. After numerous calls to and from their collections department claiming I owe XXXX of dollars to them, these are some of the reasons they gave ( All conversations were recorded, or at least they said they were ) :1 ) My interest rate has gone up ... WRONG, I have a 15 year fixed rate. 
2 ) We have not received last month 's payment ... WRONG, I pay automatically & electronically every month and I could see that they did indeed receive payment. 
3 ) They said that my property Insurance & Taxes increased ... WRONG AGAIN, I personally verified that neither one had changed. 
4 ) They said because I pay on the XXXX, prior to the XXXX of the month due date, that it was being applied to principle because it was being received early ... WRONG, This is the way I have been paying since day one of this loan and no such problem ever existed. 

BOTTOM LINE IS, no one there was competent enough to explain to me why I owed them thousands of dollars when I never missed a payment. I finally managed to find a rep that at least made some sense of it all. She said, " that because my payment went up by {$320.00} per month that my old payment amount was being applied directly to the principle or held in limbo in XXXX of there own bank accounts. '' She, too, could not explain why the increase in payment. 
So I made 2 months of the increased payments ( {$320.00} per month ) while I researched to get some answers. I have concluded ( without any help from any Suntrust Reps ) that the reason for the increase in Escrow are their own XX/XX/XXXX PROJECTIONS of my Insurance & Tax increases, neither of which can be verified. In fact, I personally went down to the Tax Office and they told me that my XX/XX/XXXX Taxes will be exactly the same amount ... actually a few XXXX less due to Homestead Exemption which I just applied for. I have tried to explain all of this to Suntrust Reps. but they just do n't want to hear any of that. All they see is that I owe Thousands of dollars and I receive many calls per day trying to collect it. 

I recently received a whole packet explaining how I am over 30 days past due and owe over {$9000.00} counting my XXXX payment ( which, of course, has been paid as usual ). They are offering me help and even to REFINANCE me! Can you believe that? I am sure the next thing I 'll be receiving is an intent to seize my proper notice. 

PLEASE HELP, I have researched this company and realize that they have more complaints against them than they could possibly handle. PLEASE HELPCFPB, Federal Partners, and State Attorneys General File Order Requiring SunTrust to Provide {$540.00} XXXX in Relief to Homeowners for Servicing Wrongs. 

PLEASE STOP THEM AND WHAT ABOUT MY CREDIT REPORT??? 

Company response: Company chooses not to provide a public response
Consumer complaint: I signed up for a membership at XXXX and closed my membership in XXXX 2015 & gt ; I went in person to the gym in XX/XX/XXXX to submit written notice of cancellation and to pay off any remaining balance I owed. I paid with a credit card that day in person, and have a receipt showing that payment. I also have a paper they gave me that day which states that my membership was cancelled. Several months later, XXXX 's XXXX has now changed named to " XXXX XXXX '' and is attempting to collect {$43.00} from me, claiming that I did not pay final payment. I have notified the debt collector and provided receipts as evidence of my final payment -- I also included names of the individuals at XXXX XXXX who closed my membership and accepted final payment. I sent letters to the credit collection agency, XXXX 's and my letter to XXXX 's was returned to sender. They are avoiding me and I suspect fraud. This will ruin my credit! 

I would like to file a complaint for membership cancellation fraud and fraudulent billing practices. I gave them a final payment already in XXXX 2015 and was told I owed nothing further. yet, they continue to pursue me. I have read online that this is a standard scam of XXXX 's XXXX across the country! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I asked this debt collector to send me the information on my debt so I could take care of it. They responded by telling me they ca n't find my account or information for it. It is still on my credit report and I 've heard nothing but bad things from this company and being dishonest. ENHANCED RECOVERY COMPANY is the company in question and XXXX is the original creditor. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My Govt. check usually is deposited in my bank on the XXXX of each month. I was sent an e-mail stating that my check would not reach my bank until XXXX XXXX, I sent Spotloan a request to defer their debit payment from the XX/XX/XXXX to the XX/XX/XXXX ( XXXX days ) They responded that they would not be taking out my next payment and by deferring my payment would add {$590.00} in interest to my account. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: did n't know that payday loans were prohibited in the state of GA and company did n't make me aware 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I file bankruptcy this was included 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a XXXX XXXX around XXXX that was financed throughthrough Lobel Financial. Shortly after purchasing the vehicle it began to havemajor mechanical problems. I went back to the dealer who would not help me. 
My ex-husband took the vehicle to his mechanic without my knowledge. Thismechanic did work on the vehicle that cost more than what the vehicle wasworth and I did not authorize the work. I could not pay for this. I called Lobel financial and let them know whatwas going on. I gave them the information for the mechanic. They did n't want tohelp me either. They told me I was still responsible. I told them I could n't payfor a vehicle that I did n't have. I asked about lemon laws. No one would help me. 
I received several threatening phone calls from Lobel 's reps. They finally toldthat it would be charged off on my credit against me. Now XXXX years later, I goto purchase a vehicle and I am told that Lobel is showing XXXX days past due andthat this is effecting my credit rating. I have called Lobel and even gone into thebranch to try and get this resolved. They gave me the phone number to theirattorney ( XXXX ) XXXX who I have called and left messages for with no returncall. I do n't know what else to do. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: These XXXX XXXX XXXX loan accounts are appearing incorrectly on my report. These XXXX accounts have been completely forgiven, and I have paperwork from XXXX XXXX to document this. They are no longer owed and have been XXXX discharged by XXXX XXXX and should no longer be appearing under my name ( unless it 's to report positively that these have been paid/forgiven/discharged and closed with a positive status ). After several disputes with XXXX XXXX directly, I was able to obtain documentation in writing that these loans had been discharged/forgiven from my name. 

XXXX XXXX had transferred the accounts to multiple departments before they were forgiven, so I had an extremely difficult time getting this information. 

These accounts are reporting incorrectly, and are negatively affecting my score. I have sent in documentation and disputes to Experian a number of times, including the letter from XXXX XXXX directly supporting my complaint- but I have received automated responses and no correction. We are planning to purchase a house in the near future, and this is negatively affecting my ability to do so. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received XXXX calls in XXXX day from citi bank XXXX not the original bank when I applied for the card in 2006 XXXX representing my best buy XXXX in attempt to collect a past due balance I was unaware of and thought I had paid. A {$20.00} late fee was applied to the account, but being that I have been consistent with my payments and was an honest mistake requested that they remove the late charge towards the minimum balance.They refused saying they will only credit the amount which does not help me. In the past companies are forgiving and will lower your minimum contingent that this is not a habitual occurrence and you promise to pay or set up an automatic electronic payment for the balance which I stated to them I was more than willing to make. I requested that they honor this business practices which I was familiar with especially since I NEVER agreed to those terms citi has changed how the handled late fees. I believe one 's money should not be help hostage, just like a thief is not allowed to keep what he stole under the condition that it technically belongs to you and its there for you. Through many years of loyalty they have also refused to lower my exceedingly high interest rate despite multiple request and multiple current payments and use. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a secured credit card through Wells Fargo in XXXX of 2013 in the amount of {$500.00} At the time when I opened the account I was told after 12 months I would be graduated and the account would no longer be secured. As long as I used the card and paid on time. I have done both and it has almost been 2 years now and they refuse to unsecure the card and refuse to tell me why they wont. I XXXX paid too early and it resulted in a late fee but after speaking with them they saw the payment I made and reversed the charge. I really think this issue is holding my account from being upgraded. 

Company response: Company chooses not to provide a public response