AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Trans Union is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a call in XX/XX/XXXX from my mortgage company, claiming I did n't make a payment, however I was able to show proof that the payment was made and an investigation within the bank was initiated. Over the weekend I received another call claiming that my mortgage payment for XX/XX/XXXX was past due, and had to explain that an investigation was already underway. From what the representative told me on the phone, she shows that all payments have been received, and not sure why there is an issue, and that my " late '' payments are now impacting my credit score. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a late fee in XXXX 2015, which was waived in XXXX 2015. When I made my XX/XX/XXXX payment, I paid the scheduled monthly payment, but did not include the late fee. Payment was made on time. Because I did not include the late fee, I incurred another late fee. When I made my XXXX scheduled monthly payment, I did not include the late fees. Teh payment was made on time. Because I did not include the late fees for XX/XX/XXXX and XX/XX/XXXX, I incurred another late fee. Even though I made my schedule monthly payments on time, because I incurred a late charge once and did not pay it, I am subsequently incurring late fees every month. 
Is it legal to continue charging late fees month after month just because you did not pay the first late fee and you paid the scheduled monthly payments on time? 

Company response: Company chooses not to provide a public response
Consumer complaint: I wish that i could mark all of those boxes XX/XX/XXXX while at XXXX mph, my XXXX Chrysler 300 failed and died suddenly, power steering, brakes, lights, everything inoperable, 1. ) XXXX-REFUSED MY CLAIM ALTHOUGH I WAS FULLY COVERED and HAD A COLLISION. 
2. ) CAR WAS TOWED TO XXXX XXXX, XXXX in XXXX, Dealer charged me {$600.00} in repairs, ( {$250.00} replace starter, ) ( {$350.00} in engine inspection labor ) 3 ) XXXX XXXX denies my warranty claiming that the engine died due to gross negligence on my part. They based that solely on a 1 month gap where I could not accoung for oil change receipts. 
4 ) XXXX put the remaining balance of the vehicle owed on my new loan, promised XXXX in rebates for buying a new car. XXXX also used rebates and freebes from manufacturers XXXX, " fix '' chrystler XXXX. 
5 ) I had came in with a XXXX loan approval from MILES program, XXXX pulled a fast one, a bait and switch on contracts, I NEVER PHYSICALLY SIGNED ANYTHING. I set up the madatory alloyment on his computer, and I shook his hand. 
He failed to add GAP and I had to pay {$480.00} cash from my own personal money. he kept the license, title and registration as collateral un y il I had enough a month later. 

I only found out that ally was my lean holder 2 years later when allotments stopped. 
the Chrysler 300 was under a safety recall get o r electronic key failure consistent with my story and I was fooled to think it was the engine by a CHRYSLER mechanic specialist. 
XXXX doubled the purchase price, jacked upp the interests, and made the 300 disappear before I could even ask for it. 
its almost 4 years {$26000.00} was ticket price - {$7000.00} " rebates '' {$1000.00} military discount 48months {$530.00} = {$25000.00} ( original agreement ) 72monthsx $ XXXX= {$38000.00} ( Ally 's cut????? ) refuse to provide " contract '' or statements dealer lost it I never signed it, but Ally reposessed when I got suspicious, and ruined my credit. stole my personal property, and sold at the auction the within 12 hours of repossession. NEVER recieved any mail, or documents please please help, theres so much more, I will explain it all, i hsve recordings, emails, and a compilation of deceit for all XXXX of them ... ... 
they cant get away with this, I am a XXXX veteran 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been filing a dispute for months for XXXX XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX and XXXX acct # XXXX, XXXX has removed all XXXX but Experian left it on, I thought all credit bureaus used the same investigative measures. I sent a letter to Experian letting them know that the other credit bureaus removed it and they sent a letter back stating there information ca n't be based on what another reporting agency has. The account for XXXX XXXX I never lived at the address XXXX XXXX XXXX nor did I ever have XXXX & XXXX, the XXXX acct # XXXX belongs to my son, we have the same first and last name and different ssn, and the XXXX acct # XXXX has been paid in full and I sent a copy of the paid in full letter showing that. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX/XXXX Transunion Consumer Relations XXXX XXXX XXXX XXXX, XXXX XXXX File # XXXX SSN # XXXX RE : Reappearing Removed item XXXX XXXX Account # XXXX Past due 30 days XX/XX/XXXX has been removed since XX/XX/XXXX ( Credit Report attached ) and XX/XX/XXXX again reappearing as a adverse account. ( Credit Report attached ) Please be good enough to removed that item as soon as possible Thanks XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I am seeking information about my Genesis loans through XXXX in XXXX, PA. I have heard about all of the loan forgiveness because of the XXXX XXXX settlement. I was one of the many students who were talked into the lending scheme brought on by these schools and Genesis lending company. I was charged horrible interest payments that I could n't afford, while still in school. As well as, pulled out of class because I could not afford payments. Horrible interest rates still haunt me, along with unreasonable monthly payments. I am already on deferment, on which they still require me to make minimum payments. I have a loan balance of {$21000.00} and have no idea how I will be able to keep up with this. I feel as though I was a victim as well as other students who have already had their loans forgiven. The way the company went about handing these loans out to young students who know nothing about them, was wrong. My loan servicer XXXX told me that Genesis has already handled the persons eligible for forgiveness and passed me along to their company. So my question is, why was I considered not eligible? I attended school in XX/XX/XXXX-XX/XX/XXXX and suffered just like everyone else who attended these scheming schools. Please help! 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: XXXX XXXX is the XXXX, and XXXX in the State of North Carolina. 

The XXXX XXXX apartments are located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX, phone : XXXX. 

Based on my analysis of this situation, I hereby submit this complaint against XXXX XXXX, manager of the XXXX XXXX apartments, and XXXX in the State of North Carolina. 

Here are my thoughts. 

It appears as though management and or other personnel of the apartments did willfully and intentionally alter our lease at the apartments without our knowledge and approval. 

It appears as though management and or other personnel vandalize the carpet in the apartment that we rented and vacated at the apartments. 

After vacating said apartment, we hired an apartment cleaning service to clean said apartment, and we hired a carpet cleaning service to clean said carpet. 

After management and maintenance personnel from the apartments examined and approved the condition and cleanliness of said apartment, it appears as though management and or other personnel at the apartments intentionally forced a finger between the seams of the carpet and ripped the seams apart. 

The management and or other personnel then blamed me for ripping the carpet seams apart and billed me for the replacement of said carpet and violating the end date of said lease. 

Please find attached a copy of the page of the lease that management and or other personnel at the apartments appear to have willfully and intentionally altered without our knowledge and approval. 

Please find attached pictures of what appears to be management and or other personnel at the apartments. 

It appears as though management and or other personnel employed by the apartments allegedly took the photographs. 

The pictures appear to show management and or other apartment personnel in the process of I think willfully and intentionally vandalizing the carpet in the apartment that we rented and vacated from the apartments. 

Upon my denial of said accusations, management and or other personnel at the apartments ordered a collection agency, Resolve Partners, XXXX XXXX XXXX XXXX, XXXX NC XXXX, phone : XXXX to collect payment from me for damaging said carpet and violating said lease. 

Based on my analysis of this situation, I hereby submit this complaint against Resolve Partners. 

Here are my thoughts. 

When I refused to pay the collector for damages by management and or other personnel at the apartments to said carpet and what I think was contract malpractice by management and or other personnel at the apartments, the collector referred me to XXXX XXXX, thereby damaging my credit rating. 

The collector accepted this account from the apartments with I think possibly no proof of wrong doing by me. 

The collector accepted this account from the apartments and referred this account to XXXX XXXX with no substantiated proof of wrong doing by me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Dear XXXX, I was wondering whether you can help me with my credit card issue with Barclay. 

I have a Barclay arrival plus credit card and paid {$89.00} anual fee for that card. In XXXX, the chip in the card was malfunctioning and I contacted Barclay for a replacement. I got a new card in early XXXX. Before I actually used this card, I received a letter on XXXX/XXXX/2016 stating that my account was closed due to account history. 

Please help. 

1 ) Refund the card fee : Barclay shall refund me the fee since the account was closed and no more service provided. 

2 ) Honor the bonus : I have points balance in my account ( equal to appx. {$180.00} ). I demand those money back 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I registered for Macy 's Citibank card in XXXX and made the purchase and also paid the due in full in the month of XXXX XXXX but it seems Citibank reported that balance is still due and reported it to my Credit report. I never received any mail or email stating that there is due on my Macy 's citibank card and finally it went to Charge-off. I got to know about this when i applied for a loan in XXXX. Then i called Macy 's for clarification but Macy 's creditcard staff was so rude and told me this account is closed and we do n't know anything about this and gave me debt collectors number and asked me to call them. When i called collection agency they simply said that you have {$250.00} due but we do n't have any other information. Neither Macy 's nor collection agency is telling me anything about these charges even though i have paid the bill in full. It has ruined my credit score. Macy 's staff should be able to tell me about this charge as when it was made and why my bill is not showing as paid. I even got my historical statement from my Bank which clearly shows that i have paid the Macy 's credit card. All i need is the information as why this due is present on my card and why i was not being informed about it until it was sent to collection agency. Any help regarding this would be very much appreciated. I 'm even willing to pay this back ( even i have paid the bill, still ) but i need someone to ensure me that it will be deleted from credit. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I submitted paper work for a loan modification with Suntrust Mortgage in XXXX. I continued to keep in contact with my Loan Preservation Representative, XXXX XXXX, who would tell me whether or not she need more information. I called to find out the status and she confirmed that everything was fine and it will be sent to the loan company. then i received a letter saying they were going to send my loan to another service co. XXXX and they would transfer all my information over to them. When i called XXXX, they told me they did not have any information on me and could not discuss the loan and until they had the information there would be no discussion. I called Suntrust and spoke to XXXX. XXXX, she claimed they sent everything over to XXXX. I called them back and found out they sent my deceased husbands ( 2008 ). name over instead of my information along with my active modification process. I am tired of playing this back and forth game with Suntrust, I am not able to pay my mortgage and it 's behind.I have been unemployed since XXXX and i would like so help. 
Sincerely, XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have never been to XXXX XXXX, CA and certainly not have applied for an Apartment. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Please have lates removed from XXXX 2010 XXXX XXXX account. Account was under bankruptcy at time of reporting. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My deceased mother continue to recieve mail and correspondence From CitiMortgage , Inc in regards to an alleged Mortgage : Please se CFPB Case # XXXX XXXX, XXXX & XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a loan and could not repay from Zest Cash. I sent it to a consolidation company that did not receive any information from this company. Zest cash sent this to XXXX XXXX. They told me I would be taken to court and my wages will be garnished for XXXX times the amount. I feel that this is a scam and want to note what I should do because I am afraid to deal with either of these companies at this point. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: A process server named XXXX called from a local XXXX phone number from " Legal Services '' leaving a message he had paperwork to serve me with unless I contact the company directly. He would serve me on Monday between XXXX and XXXX XXXX. either at my residence or place of employment. So I called the XXXX number and talked with XXXX XXXX at XXXX XXXX. He said I owed around {$1200.00} for an original loan of {$600.00}. It turns out Spotloan is not a licensed pay day lender in Oregon. I told him he could only charge me for the principal which I thought I had paid already. I demanded something in writing, and he stated he mailed a letter on XX/XX/XXXX with a deadline to pay by XX/XX/XXXX. I never received a letter. In fact I never received any prior calls or communication from this collection company. He said they could charge minimal interest, and he would see me in court. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: they are putting my debt on my report. this is not my debt 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Experian is n't removing XXXX accounts ( medical collections with XXXX XXXX XXXX ) which they claim have been verified. The company agreed to remove the items from my report when I paid the account over a year ago on XXXX & 3 years ago on the other. I have n't used my credit in years so I was unaware of the negativity still being reported. I would like Experian & XXXX to remove these accounts immediately. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On Tuesday, XXXX XXXX, 2016, I was on the phone with Synchrony Bank, for more than half an hour, addressing a concern to my Walmart 's Card and I also made a payment to my account. However, this morning, Wednesday, XXXX XXXX, 2016, I received a call from Synchrony Bank, at XXXX XXXX., which I did n't answer. However, within an hour, I did contact them, to get the nature of the call. Upon contacting them, I was informed that my account was overdue and I was told that I needed to make a payment to bring the account current. 

After I explained to the customer service representative that I had already made a payment to the account, she told me that it was not noted and that I would have to make the payment again. I asked if she could please verify the information, so I would n't be inconvenienced. However, she responded by saying that she had already checked the records and that a payment had not been made to the account and she suggested that maybe I had n't made a payment, at all. 

I was already upset by the fact that I was contacted at XXXX XXXX. in the morning regarding a matter I had already addressed. But, when she began to behave as if I were not being honest, I was even more upset by this. 

Anyway, I told her I would make the payment, so I could move forward with my day. Because, this is certainly not how I wanted it to began. 

She took the payment information and then insisted that I pay and additional {$15.00}, which had also been addressed the previous day, with another customer service representative. So, I refused and told her that I was completed with this conversation and I needed to get off the phone, so that I could began my day. I had already spent nearly 30 minutes of my morning addressing this redundant and unwarranted phone call. 

After hanging up the phone, I immediately went to the computer to check to see if the payment had been taken out, since I used my debit card to make the payment. Well, to my surprise and dismay, both payments had been removed from my bank account. The one from the previous day and the one I had just made by phone. I was outraged. 

I could n't believe I had wasted my morning addressing an issue that was already taken care of. And thanks to the negligence and inefficiency of Synchrony Bank - Walmarts customer service, now, I had made a double payment, which I never intended to do. 

I immediately contacted them back and demanded a refund of my second payment, which was never required. I feel that I was forced to do something against my will and I also feel that it was unethical practice. 

I was told that I could not have a refund, but the customer service representative told me that she would document what had happened. Well, this was unacceptable. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Penfed acting as servicer of a XXXX mortgage refuses to cooperate with making the mortgage affordable contravening XXXX mission to prevent foreclosure. After a lengthy illness, lost of business, and divorce my income was seriously impacted. I asked PenFed to reduce the interest rate to make the property permanently affordable. A modification is a one-time event, I wanted to make sure I received XXXX that I could afford moving forward. PenFed continued an aggressive pattern of collection activity and refused payments unless it represented the entire arrears. PedFed misled me with respect to XXXX, I thought PenFed owned the loan, but it is XXXX. They continued a pattern of deception stating XXXX refused any action other than foreclosure and full payment. They offered what they considered a modification which was same terms as the mortgage note and payment, but basically charging the arrears back into the account. However, with the same mortgage payment and interest rate, I could be back into losing the property - so I request an modification that included the reduction of the interest rate to 4 % from the 5.12 %. The national standard at the time was 3.25 % - 3.75 %. PenFed I believe feels it is more profitable to keep the higher rate to the detriment of affordability. I can maintain my home if they would offer that. Instead they are auctioning my home with a balance of {$99000.00} left on the note. How does that make sense? The work contacted by the Massachusetts Division of Banking requesting they work with me a little longer, they refused. They told Massachusetts and me that XXXX never got back to them. After speaking with XXXX, they said the servicer can make the decision to halt and work with me. PenFed again refused. Please help. 

Company response: Company chooses not to provide a public response
Consumer complaint: I called the bank. They told me I had fraud on my account, so they locked me out. I can not access my account funds to pay my Bills ( I even asked if I could just close the account ). Now every time I call they want to over authenticate me. I have told them that I would get on skype with them and show them my face and my ID ( Drivers license ) in person. I do n't trust their authentication methods to begin with because it seems that they failed to protect me when they where suppose to do so. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: For the past 3 years, XXXX XXXX has been sending paper checks to BB & T for my auto loan. This past XXXX, XXXX XXXX sent them a check for {$470.00} on XXXX/XXXX/XXXX with an XXXX of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I receive a notice that I 'm overdue on my XXXX payment and I also owe a late fee of {$16.00}. So, I pay the amount for XXXX XXXX and XXXX XXXX for a total of {$820.00}. However, I find out with the help of XXXX XXXX that BB & T had contacted them yesterday to let them know that they had received the check for {$470.00} from XXXX. The XXXX XXXX rep even verified that it was the correct check number. So in essence, the money had gotten to XXXX & XXXX When the XXXX XXXX rep asked if I would be getting a refund for the late fee of {$16.00}, since the lateness was not really caused on mine or XXXX XXXX 's part, the BB & T representative said no. Based on the information that I was given, the fault was clearly with BB & T, who refuse to give me my refund. The .same refund that have the shoe had been on the other foot, they would 've charged me interest for years to come had I not paid that off. Their claim is that the address the check was sent to was an invalid address. I find it hard to believe that after sending payments to that address since XXXX/XXXX/XXXX, that suddenly it becomes an invalid address without anyone informing of that fact until now. The BB & T service rep even told the XXXX XXXX rep and myself that the checks that come in through the branch are forwarded to whatever loan finance department they have, which I 've learned only a week ago is located in XXXX, NC. 

Company response: Company chooses not to provide a public response