AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: TransUnion LLC, is still reporting on my credit report a Public Record Information for a Civil Judgment against me from : XXXX. The Plantiff : XXXX ; of which, they say is still at the Recorder of Deeds in XXXX XXXX. This debt was 'paid in full ', through a lawyer I hired. My lawyer called the 'debt collection ' lawyer ( whom was hired by XXXX to collect ) ; and she said that she followed through on her end with filing a SOJ to the XXXX XXXX XXXX XXXX of Deeds- to have it removed from Public Record. TransUnion LLC credit reporting agency was ALSO sent the SOJ ; along with the other credit reporting agencies. I have a copy of the SOJ ( Settlement of Judgment ) that was sent to XXXX XXXX Court and all credit reporting agencies. 
I just applied for a refinancing of my home and this same Public Record showed in their credit check on me. So I am being REFUSED a new refinanced loan on my home!! I have a very short window to be able to lock into this great rate new home loan, and this is Civil Judgment is the only one thing stopping me from closing on the loan! 
I ALSO just applied for a new job and this showed up in their employment background investigation with TransUnion. 
I am trying so hard to clean up all my old debt from the recession time, and it 's Credit Reporting agencies that should be trying to help me by doing THEIR jobs and being on top of these things. I 've tried on my own to clear up these Credit Reporting Agencies mistakes, and they do n't seem to 'have the time ' to listen or even CARE to help me. I just get switched from person to person around and around ... ..to no end. I SHOULDN '' T have to hire a lawyer to have my Credit Report cleaned up. I found this link to CFPB and thought that maybe NOW there is someone out there that will listen and help us consumers with these large Credit Reporting Agencies, that do n't seem to care they are REALLY doing more damage to us consumers than any good! 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015 I mistakenly made a balance transfer from Bank of America to XXXX ( {$2400.00}, {$3100.00} ), I payed off the balance in full immediately when I found this out, however Bank of America charges so many fees for this transactions. 

XXXX/XXXX/2015 MINIMUM INTEREST CHARGE $ XXXX INTEREST CHARGED ON BALANCE TRANSFERS $ XXXXXX/XX/2015 INTEREST CHARGED ON BALANCE TRANSFERS $ XXXXXX/XX/XXXX INTEREST REF BT XX/XX/2015 $ XXXX INTEREST CHARGED ON BALANCE TRANSFERS $ XXXXXX/XX/2015 BALANCE TRANSFER TRANSACTION FEE $ XXXXXX/XX/2015 BALANCE TRANSFER TRANSACTION FEE {$73.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX I bought {$4100.00} of Furniture from XXXX. The offered a 12 month interest free payment option from Wells Fargo. The order states No interest if paid in full within 12 months, interest will be charged to your account from the purchase date at rate of 27.99 %. The delivery of furniture was XX/XX/XXXX. I made regular payments as required and paid the balance in XX/XX/XXXX. XXXX 's terms of the sale state all orders must be paid in 48 hours prior to delivery. That date is XX/XX/XXXX. I am being charged {$1200.00} of interest because Wells Fargo says the full payment was due XX/XX/XXXX. I missed the date by a week. Why I was confused was I made another small purchase in XX/XX/XXXX and that payment date was showing XX/XX/XXXX. I have excellent credit and had full intention of paying in full by XX/XX/XXXX. This is very misleading and seems to be a calculated attempt to confuse and trick consumers into missing the deadline and charging an obscene amount of interest! Did Wells Fargo pay XXXX the full purchase price on XX/XX/XXXX? If not is that date relevant? Needless to say I am not paying {$1200.00} or the reduced amount of {$930.00} I was offered. The regulations of XXXX were put in place for a reason. I am not unreasonable but this is and I need your assistance to intervene on my behalf. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXphone XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX and assigned lawyers suing for debt that is past it 's statute of limitations in the state of Alabama. Statute of Limitations passed as of XXXX XXXX, 2015. They filed to get a judgement on XXXX XXXX, 2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: The bank has refused the fees charged on my account from them. My account was charged return fees. Obviously, it is a bank error. The teller who helped me has n't stopped my check even though the payee portion of the check was missing. Due to the returned check, the bank locked my account until my request. Also, for the period in which I was locked out of my account, the payment was scheduled and retuned too. 
I am owed {$60.00} for fees charged incorrectly. 

Company response: Company chooses not to provide a public response
Consumer complaint: on XXXX/XXXX/15 my husband and I attempted to make a purchase through my US Bank credit card for {$8000.00}. US Bank did not pay the {$8000.00} to the business. We were contacted within a few days by the business owner and we were told that US Bank did not pay the $ XXXX and that we needed to pay him. On XXXX/XXXX/15 we paid the $ XXXX by making a direct deposit to the business owner 's bank account. US Bank subsequently charged the $ XXXX to my credit card on XXXX/XXXX/15 after we had already paid the business owner. The business owner never received the $ XXXX from US Bank. After receiving my billing statement and realizing that US Bank charged me the $ XXXX, I called US Bank and disputed the charge. They told me I needed to provide verification that I had paid the $ XXXX. I provided the direct deposit receipt for $ XXXX showing that the money had been deposited into the business owner 's bank account. U.S. Bank has not removed the charge from my account and is now charging me interest and harassing me about payments. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo Dealer Services has consistently denied me opportunities to bring my account current and avoid delinquent charges, harassing phone calls and damage to my credit bureau reports. 

On several occasions collections and customer service representatives refused to accept reasonable payment offers while demanding payment in full ( several payments + past due charges ). These seemingly institutional denials have caused unnecessarily accruing past due fees and delinquency reporting. 

I called tonight ( XXXX/XXXX/15 ) to apply for a deferment, which I was denied several times prior because my account was greater than 45 days past due. After describing my situation for several minutes with my customer service representative, XXXX [ not sure of spelling ], she advised me that she would have a supervisor review my account. She returned from an extensive hold to notify me that the supervisor denied my claim because I was only 30 days past due and have greater than 50-months remaining on my loan. I asked if there was formal guidance for her decision, which seemed arbitrary. She transferred me to the collections department. 

I described my situation again to XXXX in collections, who advised me that she did not think I qualified for a deferment and transferred me to my account manager, XXXX XXXX whom I have spoken to several times prior. On other occasions XXXX misrepresented himself as a supervisor ( admitting that he was only second voicing a call ), each time he has shown an unwillingness to consider a payment arrangement. Instead he demanded payment in full by end-of-month, most likely to benefit his bonus while sacrificing my further delinquency. Tonight XXXX sounded almost intoxicated while explaining arbitrary reasoning for not considering my request for a deferment. I insisted on speaking to a supervisor and was transferred to XXXX. 

XXXX answered the phone with an abrupt, harsh tone and eventually attempted to justify the reason for the customer service supervisor 's denial. I explained my short-term hardship, which included medical expenses from my wife 's recent XXXX. XXXX responded with the most disturbing statement imaginable, stating that a death would be considered a short-term recoverable situation but not my wife 's XXXX and subsequent periods of unemployment. I nearly choked when I basically heard her say that if my wife had died they might consider a deferment!!! Please listen to tonight 's recorded XXXX minute call beginning at XXXX EST. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is an apparent personal loan on my report that is not mine. 
XXXX XXXX {$3600.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: SunTrust Mortgage purchased our home loan from another financial company. Shortly after purchasing our loan they sent us a letter saying that they had no record of an insurance policy covering our home, and that if we did not contact them within 30 days they will purchase insurance for us at an a cost of {$1800.00}. 
I have insurance, and have resolved the issue for my case, but I am reaching out to you because I believe that SunTrust 's actions are illegal. They can not ( or should not ) be allowed to spend their customers money without that customers explicit consent. This problem arose because of SunTrust 's poor record keeping. There is a real possibility that customers ending up being force to buy a second insurance policy because they did not notice or understand the issue. I hope that you will investigate their actions and ensure that no consumers were harmed because of SunTrust 's actions. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company has never contacted me. Furthermore they called me on a company line which I have stated to XXXX XXXX should not be on my account. this line has been in a port transition since XX/XX/XXXX. It was answered by the location that had it waiting for the port and told all callers my cell number yet this Central Credit Services still called on this number. Something is very fishy about that. They have never contacted me until today and I at least should have the right to protect my credit. if I knew XXXX XXXX had turned this over to collection then I would have had to pay to protect my record. But i didnt. and if they had turned it over how come century link kept speaking with me? No one has informed me.If Central Credit Services is where the calls get routed when in dispute with century link they have never identified themselves as a collection company or I have been mislead into thinking this was XXXX XXXX. I need the opportunity to pay it before it goes on my credit and seek other solution at the court level. 

Company response: Company chooses not to provide a public response
Consumer complaint: For approximately the last year, the law firm of Machol & Johannes , LLC has been repeatedly contacting myself and my parents in an attempt to collect a debt that I do not recognize. Per the office, their client obtained a judgment against me in 2010 ; however, neither myself nor anyone at my place of residence was ever served with any paperwork to notify me that I needed to appear in court. 

Each time the law firm calls, I ask them what the debt is for. On several occasions they have stated it was a credit card for several XXXX dollars. I have never had a credit card with a limit higher than {$1000.00}, if I remember correctly the highest limit I have ever had is {$750.00}. 

I offered to discuss payment options if the firm provided me proof of service and verification of debt. I have requested XXXX these items multiple times and the woman I speak with, XXXX XXXX, refuses to provide me any additional information. She has raised her voice at me, hung up on me during our conversations, and not returned my calls when I request additional information. 

If this is a debt that I do owe I am willing to attempt to make payment arrangements ; however, I am not going to blindly send in money to a law firm without any documentation evidencing where the original debt was originated, details of the dollar amount that I owe, and proof that I was served paperwork and given the opportunity to appear in court as I was never made aware that there was the possibility of a judgment being entered against me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Upon applying for a credit card I found that I was denied for a deliquent account. I looked up my annual credit report and found the supposed debt. The debt is absolutely not mine and I in no way opened the account listed. It is completely fraudulent. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I have had repetitive phone calls ( a recorded message ) telling me that this is a debt collector and to call XXXX and give them this # : XXXX. I typically hang up but have grown tired of the calls so I called the number. There were XXXX recorded options : Press XXXX to pay the debt, Press XXXX for a 'settled in full ' letter, Press XXXX for wrong #, Press XXXX to speak to an agent. I pressed XXXX and asked the agent ( with an XXXX accent ) why I was being called as I have NO debt. He said he would check my info and shortly we were cut off. The company says it is XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX I was victim of identity thefth. The impersonator opened accounts with XXXX, Best Buy, XXXX Macys & Bloomingdales. At this point only Macys and Bloomingdales have n't take care of the situation, I already have a 30 days late payment affecting my credit. The are not able to provide a claim or case number, on XXXX XXXX I sent an affidavit stating I did n't open the accounts, I have made 27 calls and get different answers, I sent emails, Direct Message via XXXX and nobody can give me an status, everyone is giving the run around. 
I am putting to much time and energy in to this and I am the victim, the failed from the beginning accepting a fake ID to open accounts under my name. The perpetrator is even arrested in the XXXX XXXX Jail system. MAcys and Bllomingdale did n't even provided information, only Best Buy provided camera footage. All Im asking now is at least a temporary credit until they close their investigation, if there is one. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company has called me regarding debt that belongs to someone else. I do not have, nor have I ever had, business or an account with Wells Fargo. I have asked them repeatedly to cease and desist calling me regarding someone else's debt. I even had someone fill out a cease and desist form. They have called me every two to three days since XX/XX/2015, sometimes leaving a message or, using a robo-dialer, leaving a message with no content. These attempts are in violation of the Fair Credit Reporting Act and in violation of the do not call list, as I have no debt owed to them and have not given them permission to contact me in any form.
Company response: Company chooses not to provide a public response
Consumer complaint: We went through a copy called XXXX XXXX XXXX for a pool loan. The total cost of the project was {$50000.00}. We did not have all of the funds and only needed a loan for {$15000.00}. When we started the process we were told it was unsecured and nothing will be attached to the property. 
XXXX sold the loan to Aqua Finance which is who I signed all of the loan papers with. I read the loan documents before I signed and nowhere did it say it they would file anything against my property via a lien or a XXXX filing. 
I am refinancing my home and was told they filed a XXXX on my whole property. I was concerned and called Aqua to see what was going on. I was told that 's what they do and have been doing that for ever. I asked them where in the contract I signed, it stated that they were filing a UCC on my property. They referred me to a section of the contract under Additional Provisions ( B. ) Security Interest. I read it and know where under that section did it say they were filing anything against the property. 
I spoke with XXXX XXXX Collection Manager for Aqua and he sent me the same document saying the same thing. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My finace XXXX XXXX referred me to get a credit card from her bank Wells Fargo. I called in and got denied for the unsecured credit card. I proceeded to fill out the application for an secured credit card with XXXX XXXX XXXX and after I listen to the disclosure about the card, my phone ended up powering down. XXXX XXXX submitted the credit application without my consent. Being my phone powered down, we never reached the point of the submittal and there was additional information needed. My fiance XXXX went to XXXX and her card declined. She looked in our savings account and found that I was indeed approved for a secured card and XXXX was taken out of our savings. XXXX XXXX never mentioned on the recorded line that funds had to be available up front. In fact there was no conversation at all concerning how payment would be made if I was approved. Yet, he took it upon himself to submit my application while I was offline and snatch the money from a joint account without my permission. I have called the bank several times and no one can give me a reason why he would submit the application and take it out of my joint account with XXXX. XXXX talked to a supervisor from Texas on XXXX/XXXX/2015 and was told that if a customer is disconnected from the line the application ceases and that it was violation. It has been an inconvience to my family all because someone wanted to make a number or meet a quota. XXXX XXXX stole from my family and all I can get is that it takes up to 60 days for funds to return. Hard earned money that XXXX and I worked for cant be returned until 60 days out. We were promised XXXX XXXX/XXXX/2015 or XXXX/XXXX/2015 from a banker that we would have the funds. Today is XXXX/XXXX/2015 and no funds have been received. Wells Fargo Sales department committed Credit Card Fraud by establishing a credit card in my name and taking my money without my consent. 

Company response: Company chooses not to provide a public response
Consumer complaint: There was fraud on my account which was unauthorized and my bank will not provide me with a refund. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have never had a late payment and Wells Fargo is showing multiple late payments. As well, they are not reflecting the correct balance of my loan. I have asked multiple times customer service to correct this information and they have done nothing. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed XXXX ProCollect accounts in my credit file with the CRA. Procollect inturn sent was they considered " validation of the debt '' to me via mail. First, I never received anything regarding this debt before discovering it in my credit report in XXXX 2015. Secondly, when I attempted contact the original creditor, I find that they are no longer in business. So, when I received the " validation '' from Procollect, it showed me nothing! I have attached scanned copies of the attachment that procollect sent me as validation of the debts appearing in my credit file for {$600.00}, {$620.00} and {$620.00}. This does not constitute sufficient validation of the debt. This is something that I could have typed up myself. Surely this is not what they send others who are requesting debt validation. And sadly, this was what the CRA used to place this debt in my credit file. I emailed procollect informing them that this was not sufficient and they would have to supply the proper validation according to the laws in the state of Texas and I expected these accounts to be removed from my account. The 30 day period has expired. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX we requested a loan modification from Well Fargo and finalize the process XX/XX/XXXX. No need to cover all the details as they are covered in other filings with CFPB. 

When we requested the loan modification our mortgage payment was {$1200.00} with a income of {$3100.00} and a mortgage of {$120.00}, and a 20 year payoff, after the loan modification our mortgage payment was {$1100.00} with a monthly income of {$3100.00} and a 40 year payoff, something does not add up. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was offered a no interest account for the purchase of a new heating system by Wells Fargo home projects 2 years ago. I had a lump sum payment due last month that is listed on page XXXX of the statement. Instead of including the payment due in the payment information on the front of the statement they added a small box with the words Special Terms Expiration which did not include any amounts due and of course I did not see. When they calculated the minimum payment they conveniently assumed that I would not pay the lump sum, which resulted in the minimum payment on the front of the statement never changing, again to ensure that the statement would look identical to all of the previous statements. By doing this they managed to sneak the statement past me so they could charge me {$5900.00} in interest on the initial purchase price. When I complained about this practice they offered me a 25 % refund of the interest in the amount of {$1400.00} if I paid of the entire amount in the next 3 days of {$9900.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America is not applying my payments that are over the minimum required payment to the highest rate balances. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went into cash my payroll check it is a Wells Fargo check. I handed my valid drivers license and was told I needed to provide a card with a XXXX logo on it. I do not use any cards with XXXX, it 's my personal choice. I was instructed that unless I supplied another card with a visa logo they would not cash my check. I had a XXXX XXXX card with my name on it that matched my drivers license but again they said no. This seems to be an Anti-competitive violation. Putting a Monopoly on XXXX and forcing a consumer to use Wells Fargo or XXXX. The check was a Wells Fargo check, it was a payroll check. I 'm not sure why me producing a XXXX logo card would make any difference vs a XXXX XXXX or even my XXXX charge card as long as it has my name on it. I personally do not think someone should have to show anything but their drivers license or a state ID to cash a check made out to them. This in my opinion is bordering on Antitrust, Anticompetitive and putting a monopoly on XXXX and Wells Fargo creating a competitive law issue. I was at the Wells Fargo Bank at XXXX XXXX XXXX PA, XXXX. I spoke with a manager but she had no name tag and insisted that the XXXX Logo was required to cash my payroll check. My restaurant is located a block from this location and does their business banking with Wells Fargo at this location. I went today XXXX/XXXX/15 at XXXX. Now I have no way to cash my pay check as this " new '' procedure does not allow me to use another merchant to prove my identity. 

Company response: Company chooses not to provide a public response
Consumer complaint: There were XXXX payments made for XX/XX/XXXX. A wells fargo rep said she did the paperwork to skip XX/XX/XXXX 's payment. I just checked and they auto-withdrew from my account for XX/XX/XXXX and I was counting on having that money. 

Company response: Company chooses not to provide a public response