AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: REFERENCE TO COMPLAIN CASE NUMBER XXXX I ATTACHED A COPY OF MY UTILITY BILL TO PROVE THAT THE DEBT IS NOT MINE. 
Case number : XXXXTransUnion said : Explanation of closureUnder the guidelines of the Fair Credit Reporting Act, we will not reinvestigate the item ( s ) unless you can provide new information such as court papers or a recent, authentic letter from the creditor ( s ) that explains what information should be updated. You may add a Consumer Statement of XXXX words or less to your credit report or contact the creditor directly. Contact information for each creditor is provided on your credit report for review. If you provide a Consumer Statement that contains medical information, then you are giving consent to TransUnion to include this information in every credit report we issue about you. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. 
Please visit http : //transunion.com/consumerfaqs for frequently asked questions about your credit report. 




ResponseWe have reviewed your complaint along with the information you previously provided regarding this issue. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX # XXXX was notified of your disputes. In response to the investigations, the disputed information was verified or updated accordingly and the results were forwarded to you for review. Currently, XXXX # XXXX reflects as a collection, balance and past due {$1700.00} and estimated deletion of XXXX. 

In addition, onXX/XX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, you were notified in writing that the disputed information had been previously verified as being accurately reported by the data furnishers. 



What happened Product Credit reporting Issue Incorrect information on credit report : Information is not mine ( belongs to someone else, identity theft, fraud, etc. ) Have you disputed the issue with the credit reporting company and received a final response? Yes No Describe what happened so we can understand the issue ... 
Dear sir/madam, as I was going through my credit report on XXXX and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX XXXX XXXX any time I dispute the account, they kept sending a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX XXXX or any of it affiliates. 
I am requesting that TRANSUNION AND XXXX XXXX XXXX or any of their affiliates should remove such negative statement from my credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: An apartment management representative with a personal vendetta claimed that I caused damage to an adjacent apartment. She notified me in writing four days before I was scheduled to move-out. In the letter, she claims that because of a water leak and my negligence I am responsible for {$7.00}, XXXX of damages to the apartment bellow. 30 days later, the firm submitted my erroneous and unsubstantiated debt to a collections agency. The collections agency then quickly furnished this damaging information to the major credit reporting agencies. I requested the collections agency to substantiate the debt, and they mailed me copies of the following documents : the aforementioned letter, a hardware purchase order invoice of {$3200.00}, my apartment 's " move-out inspection '' checklist completed and signed by the firm 's maintenance man and me ( illustrating our agreement of the damage-free condition of my apartment ), the lease agreement, and a " security deposit accounting '' document which shows the amount due to owner as {$7.00}, XXXX, yet all of the credits do not add up to that figure. It 's as if the firm simply invented a number and the collections agency blindly accepted it when the numbers do not add up to my reported debt amount. Unacceptable and unfair. 

Company response: Company chooses not to provide a public response
Consumer complaint: Sometimes medical facilities charge what is considered in Florida a prohibited practice of balance billing. I suspect this collector - the Collection Information Bureau - is calling my home continuously about some related item. At one point I did ask them to stop calling but they keep calling anyway. 

Company response: Company chooses not to provide a public response
Consumer complaint: JUST WROTE XXXX CHARACTERS OF TOTAL EVENT, XXXX XXXX NOT RECEIVING FRAUD ALERT IN XXXX 2014, WE HAD XXXX MONITORING, THEY SHOW THEY REPORTED TOO XXXX, XXXX. 
SOME ONE MESSED IN CREDIT BUREAUS REPORTS, WERE WANTING XXXX, XXXX TO DELETE ALLY INFOMATION FROM CREDIT REPORTS UNDER FCRA STATUTE. 
WIL FOLLOW UP MORE, I 'M OUT {$23000.00} IN REPAIRS, CREDIT CARD DEBT, ON SOCIAL SECURITY, XXXX, CHARITY CARE. 
NO FOOD, PAYED XXXX CARS WHEN I DID NOT HAVE MONEY/ PLEASE DO THE RIGHT THING. 
XXXX WILL NOT TAKE YOUR COMPLAINTS, XXXX CAN NOT BE CONTACTEDNEED ALL INFOMATION DELEATED LIKE XXXX. 
THEY HAD {$100000.00}, INSURENCE FOR FALSE REPORTING INFOMATION, THANK-YOUXXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit card has been replaced many times ; each time I am given a new credit card and debit card. As soon as I use my debit it gets compromised. I have had at least XXXX new cards in less 6 months -- see attached information being scanned to you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sold my home for short sale in XXXX 2011. Wells Fargo never reported to the credit bureau of my pay off of my home and that my balance with Wells Fargo is {$0.00}. I have called several times to contact the morgage department of Wells Fargo and have not had any luck. I would like Wells Fargo to report to all three credit bureau 's, XXXX, XXXX, and XXXX that my pay of has been completed back in 2011. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a XXXX % XXXX Veteran and I am exempt from XXXX and medical bills, and the credit reporting agencies have XXXX and medical bills on my report that they will NOT remove. # XXXX complaint is being ignored, I contacted them 4 times via mail and online, and they always have excuse not to remove the inaccurate, obsolete and noncollectable information from my credit report. Same for # XXXX, and # XXXX-Experian. I sent them a as follows : 1. Copy of my FTC Fraud package, 2. Military I.D., 3. My driver 's License, 4. My Social Security Card, 5. Copy of my current apt . lease, 6. My letter of registration from XXXX Idaho car for Plates and title, 7. My social security card. 8. Copy of my XXXX ( military pay stub ). And they still say they need more Identification or that they contacted the creditors and the debt is valid, even though I am exempt from the debts on my report because I am a XXXX % XXXX Veteran. They are using delay tactics and son, please assist me. I have XXXX plus pages of information I sent them, I will try to upload them on this site if not I will send vial mail with the reference number I get at end of this complaint, plus the credit reporting agencies have the copies as well. I give you permission to have them send to you for this investigation. 

Company response: Company chooses not to provide a public response
Consumer complaint: When my loan payment was setup for autopay from my bank account there was a mistake on my part and I listed a checking account that I normally do n't use and my bank rejected the payment because there were no funds in the account that they tried to debit. When I received my loan statement for the following month I noticed the error and past due amount and made a branch payment for the past due amount. The lender had contacted the salesman that I purchased the car from to have him contact me to get a payment status. When the salesman contacted me I asked why they were contacting him and not me directly and I explicitly told the salesman that I did not want him communicating with the lender on my behalf that I would contact them directly. I called the lender the following day and the representative I talked to demanded to know why my payment was XXXX days past due. She threatened me that my loan was under review and they they were going to stop servicing my loan. She also informed me that they had contacted the dealership and all XXXX contacts that they made me list on my loan application regarding the past due balance on my loan. I informed her that the only person that I have authorized to discuss my loan with was myself and that they did not have authorization to contact the dealer or any contact on my loan application regarding my loan. She countered that they do in fact have the legal right to contact anyone they wanted to in regards to status of my loan. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX days ago XXXX Wells Fargo contacted me and said he could help me with HARP. Basically I owe {$160000.00} on my house and he was going to put me into a new loan for {$210000.00} and now money was coming to me. So I told him I did n't want to take this loan I am afraid that he will robo sign the documents and force me into this upside down loan his email address is XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed for Chapter XXXX Bankruptcy in 2009 and it was dismissed ( never granted ). As such, I do n't feel that it should appear on my credit report. I am badly in need of a new roof and can not qualify for a loan as long as this appears. 

Company response: Company chooses not to provide a public response
Consumer complaint: PayPal XXXX trying to collect a debt of {$210.00} on an account that is not mine and opened in the year 2000 when I was a minor and I was not able to open an account. 
My current PayPal account under the address XXXXXXXXXXXX has been suspended due to PayPal stating that they found another account ( XXXXXXXXXXXX XXXX that they feel is linked to mine and they need to collect a debt of {$210.00}. I contacted PayPal and was told the account was opened in the year 2000 and the home address they said the account was opened under does not match any address that I have ever used. I made the customer service rep aware that in the year 2000 I was still a minor and had no way of opening the account in question. Also my social security card was stolen around that time and I had multiple accounts opened in my name by someone that was NOT me. This service rep told me to call back next week after an investigation was to be done and upon calling back the following week I was told the debt was determined to be mine but with no explanation or proof. I asked would I be sent a copy of the investigation report and was told no. I asked what could I send in to prove the debt was not mine and I was told, " prove you were a victim of identity theft. '' When I asked what type of documents I needed to send in I was met with the same answer but no specifics on what documents were needed to prove that the debt in question was not mine. I would just like this issue resolved with proper documentation if they truly investigated the account. 
Account ID : XXXX - XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Harris and Harris, LTD send me a letter reference to Collected money from XXXX XXXX XXXX when I started made Money Order payment in XXXX, 2014. They do n't reflected on his Computer. Recenlty The XXXX XXXX XXXX send a Finacial Assistance Award Letter as said The State paid a 100 % per cent, but they do n't believe me because, When I contacted The Debt Collection Agency was recorded on the phone they do n't asked me for The Reference Number of The Award Letter to Confirm as well.
Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: my recent credit report TransUnion there is a adverse account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( XXXX ) XXXX account date open XXXX/XXXX/2013, is an individual account, account type : open account ; loan type GOVERMENT GRANT. PAST DUE {$2300.00} ( all this information retrieve from my credit report with TransUnion ) contacted the US TREASURY and talk to a representative name XXXX stating that there is no records of any debt under my name or social security number. contacted TransUnion credit company and they have open a XXXX investigation to get any results. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been advised by the Office of the Comptroller of the Currency that they sent my complaint to you. Case # XXXX / Bank of America. I 'm checking to make sure you received it, because there is more to add to it. 
Thank you, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been XXXX contacted by Allied Interstate attempting to collect a debt on behalf of XXXX. A call to XXXX confirmed my account with XXXX was paid in full when the account was closed. 

Company response: Company chooses not to provide a public response
Consumer complaint: please refer to case # XXXX for a brief history and enclosed documentation 

Company response: Company chooses not to provide a public response
Consumer complaint: THEY CALL MY CELL PHONE FOR MY EX HUSBAND A MINIMUM OF XXXX TIMES A DAY STARTING AT XXXX. THEY FILL UP MY VOICEMAIL WITH RECORDED MESSAGE. THIS IS NOT MY DEBT THIS IS NOT MY HUSBANDS PHONE NUMBER IT IS MY WORK CELL PHONE. I DO N'T KNOW HOW THEY GOT IT! I HAVE TOLD THEM TO STOP THEY HAVE THE WRONG NUMBER YET THEY CONTINUE EVER DAY TO CALL OVER AND OVER. 

Company response: Company chooses not to provide a public response
Consumer complaint: My ex and I submitted all of the documentation required under HAMP and Wells Fargo guidelines to Wells to be considered for a loan modification. My ex no longer occupies the property as his primary residence, though I do. When I initially reached out to Wells Fargo for help, the dedicated loan specialist assigned my case ( XXXX XXXX ), advised me that we did not need to include XXXX whole income since he does not occupy the property. 

Today, I recorded the conversation between XXXX XXXX, XXXX and myself, and recorded him recanting his original advice and then affirming that the only reason that they used his income was to reach the 31 % required for the DTI. 

Mind you, my income is 20 % of the total gross monthly income used by Wells to calculate the DTI. To assume that XXXX should be liable for more than 50 % of the mortgage payment is unfair and unreasonable. And to top it off, the SPOC advised in prior conversations that not all of the income needed to be used. 

Additionally, the interest rate was lowered to 7.125 % when the HAMP floor is 2 %. I am not sure I understand why Wells insists on gouging its customers through higher interest rates when the guidelines specifically allow for the interest rate to be much lower. They also did not extend the term to XXXX years, which guidelines also allow. They kept us at our current amortization cycle. 

It would seem that Wells would rather just take my home than attempt to work with me in a reasonable fashion to resolve the delinquency. 

Company response: Company chooses not to provide a public response
Consumer complaint: I want to submit a complaint regarding my bank Suntrust. Last week I was assessed an NSF fee of {$100.00} for a checking account that was not actually overdrawn. I had unexpected purchase as a pending charge to the account of {$49.00}. The charge was for a membership to my gym and is n't consistently charged at the same time every month. The pending charge made my available balance less than I had into the account, so I transferred money into it to cover it. I checked the account a couple of days later and saw that a fee of {$100.00} had been posted for charges that at that point were still pending. I immediately contacted by bank. After speaking with several personnel. I was finally put into contact with someone that removed the charges. 

My issue is as follows : How can you charge a fee on something that has not occurred yet? Pending charges are just that pending charges. Many times, I have had pending charges for duplicate purchases or errors show up on my account. It seems to me that my bank is placing posted fees on pending charges. This strikes me as completely unethical and may be illegal. I was able to get in touch with someone and have it resolved. I am certain that there are people without the resources to do so that get stuck paying these fees. Since banks fees accrue, they basically stacking fees daily and now they have the ability to do that before your account is technically overdrawn. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had a mortgage for over XXXX years, which admittedly was not fully understood by me of how it would work. It was Interest only. Now XXXX years later the monthly payment has increased nearly {$600.00} a month which is impossible for me to pay. The mortgage % rate is currently 5.5 % and I made inquiry with the lender to refinance at a lower rate so that I could make the payments. The response was that my credit rating was too low and I would not be granted a Refinance It was then suggested that a loan modification could be made. I have dutifully responded to the slow responses and requests from " modifications '' with seemingly deliberate stalling. All this is occurring while my mortgage payments that I can make are not applied and I receive threatening letters concerning additional late fees and warnings of foreclosure even as I am trying to find a way. 
The mortgage holder seems content to say my credit is too low to get a lower reasonable interest rate that I can pay in total, even as I as a taxpayer, helped provide funding for the availability of extremely low cost funds to lending institutions through the mortgage crisis. I concede that I was not fully understanding of the terms of the mortgage an the impact it would have later, but I wish to pay the loan off in good faith with some consideration for fair play an common sense. Failing to remove all penalties and lower my interest rate to market rates will force me to be foreclosed. I have paid in excess {$150000.00} in interest with no reduction of principal owed, so the only XXXX losing would be me. The original loan amount was {$260000.00} and now it is {$280000.00}. 
I am single, struggling to maintain a household despite the mounting expenses What I would like to see occur is simple and reasonable and is as follows:1 ) remove all penalties and interest on penalties that have accrued. 
2 ) Reduce my principal to the original amount of XXXX and reduced by what I have paid the last several months that have not been applied. 
3 ) Make a loan modification of using the adjusted principle and an at market favorable rate for a 30 year fixed mortgage ( it makes no sense that I should continue to be held to a higher interest rate, when a lower rate will allow me to be solvent and a good debt repayor ) 4 ) Retract any negative credit notations applied this year. 
The lender is indifferent and after researching, has had many complaints from honest people trying to make good & gt ; I would seriously have expected them XXXX quickly wish to engage me when I first notified them I ( and they ) are in peril. Please help to engage them in being reasonable. I helped bail them out via my tax dollars, now I need the assistance with a reasonable and achievable debt repayment plan. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank sent a bill around XXXX/XXXX/15 for XXXX, when I received the bill I called Citibank to clarify mistakes on that bill. Now here were the mistakes, for some time we were carrying a large bill in the amount of XXXX which we were able to pay off on XXXX/XXXX/15. Just prior to paying off the entire bill I disputed two payments of XXXX from XXXX around XXXX/XXXX/15 and told Citibank NOT to accept anymore charges from XXXX and that I contacted them to tell them NOT to submit anymore charges. When I received the bill from Citibank around XXXX/XXXX/15 they had credited my account XXXX but the purchases showed a charge from XXXX on XXXX/XXXX/15 and a XXXX for XXXX and interest charges of XXXX. Bill due XXXX/XXXX/15 for XXXX after the credited amount of XXXX was subtracted. I contacted Citibank to question why they had placed a XXXX charge for XXXX on XX/XX/XXXX15 when I told them NOT to do that. No explanation, I also questioned the interest charges and wanted an explanation as to how they calculated these charges because these interest charges on the bill were confusing and contradicting the way they were written on the bill. Again no explanation. I told Citibank that I would not pay any bill until they resubmitted a corrected bill and gave me the explanations to what I requested. They ignored that request and continued to submit two more monthly bills with more interest charges and late fees totaling now XXXX and Citibank has turned this matter over to a collection agency. I had an attorney involved but due to the small amount of the bill he could not get approval from my coverage to take the case and recommended this course of action. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am writing and putting in a complaint to make Wells Fargo justify and give detailed proof of why they denied me a modification and what they based it on. They told me in both of my meditations in Bankruptcy court, that I would be approved if I submitted the documents they needed. In the XXXX mediation they had the wrong information regarding my salary on the document sent to my attorney. They had a lower amount on their document. My attorney told them the true figure which we already sent paystubs and documents to verify it. They had {$7000.00} of a forced place Homeowners insurance that was on their document. My attorney said that I could get that for less. They told us to submit a new homeowner 's policy and the paycheck stubs proving I made more. ( The paystubs they already had but we submitted them again ). They said I would qualify once they received that. The information was submitted the very next day. 
In the next mediation they said they needed a letter of explanation regarding my quarterly bonuses ( again this was on all my pay stubs that they already had ) .They said that was all they needed and that based on the figures they had I would qualify again. They also said I need to send a new modification paperwork updating the old XXXX. We sent this in the very same day. We were waiting for them to contact us for the next mediation date which the mediator attorney said she would do it for free to expedite the process. Then we got a response that they denied me even though they said I qualified based on all my information. 
They based my mortgage in mediation on XXXX and 2 % and they said the payment would be around {$1000.00}. My attorney said I was paying that to the trustee and there would be no problem. I have never paid late to the trustee. I pay on time. 
The bank keeps sending me statements of XXXX in interest payment for the previous pick a payment loan. They said the new mortgage payment is around XXXX. I do n't know if this is legal when I am in Bankruptcy to send me statements wanting money for interest, etc. 
Also the Vice President said she was investigating the complaint and she was in touch with my attorney which my attorney said no one had ever tried to contact him. 
I want to know how you justified me not getting approved when I was told the figures look good and I would get approved. I want detailed proof and documentation they have why I was n't approved when they said in mediation XXXX I would be. 

Company response: Company chooses not to provide a public response