AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I am just a student and do not have the money to be represented by an attorney or any other agency. I would like Experian to tell me if completing a dispute over the phone would provide me with the same outcome as a letter? 

Company response: Company chooses not to provide a public response
Consumer complaint: I attempted to withdrawal funds from my prepaid account with XXXX. at a US Bank sponsored ATM on XXXX XXXX, 2015. The ATM did not dispense the funds but debited the {$240.00} transaction from my account. I went into the branch to find out what my options were and hoping that they would give me the funds that their ATM that they are responsible for did n't disburse only to be treated like I was some kind of bum off of the street begging for something that did n't belong to me. The banker kept indicating to me that there was nothing they could do that the ATM would need balanced and then I would need to file a regulation E claim with my financial institution. The branch manager never showed his/her face after repeated requests to speak with an authoritative figure and I left the branch in tears and without my money. It has been devastating to me over the last few weeks because I have taken an unexpected {$240.00} hit only to be told that if their ATM balanced out that there would be absolutely nothing that could be done to reimburse me. I even told the XXXX at the branch that if the ATM balanced out that meant the gentleman behind me in the line at the ATM received my money, but she reassured me that that would never happen. I contacted the executive offices of US bank only to be told there was nothing they could but wait for the transaction to process. The transaction has finally processed and my financial institution has filed a regulation XXXX claim with US Bank ... but I am again advised by US Bank that there is nothing they can do to expedite my request for reimbursement because their ATM is serviced by a XXXX party and it is up to the XXXX party 's processing time frames. I am still without {$240.00} here almost 2 weeks later. I am not rich ... I am not even middle class. I have fallen behind on bills and am incurring fees because of late payments due to this issue. Why was n't I put first? Why did n't the branch manager of US Bank address me and give me my money and indicate they would handle the back end issues on the back end? {$240.00} would have been a small price to pay for XXXX of the largest financial institutions in the United States to keep a smile on a my face and prevent me from going through hell over the last two weeks. but they did n't and I am still without and my XXXX children that I work hard for every single day are still without ... 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage loan is currently serviced by Bank of America. I have applied for a HAMP loan modification on numerous occasions. Recently they issued a denial citing negative Net Present Value XXXX NPV XXXX as the reason - see attached. The principal component of the NPV denial is not described, leaving invalidity to their claim. I have asked them to clarify their reason for NPV and they have failed to respond. I also filed an appeal on this matter ~ see attached. Per my conversation with XXXX in the appeals department ( ID # XXXX ), B of A is refusing to acknowledge the appeal and address it. Bank of America is in violation of the National Mortgage Settlement due to the lack of transparency during the HAMP underwriting process. It is clear that they are motivated to foreclose due to the $ XXXX equity in my property. Per HAMP guidelines, I should definitely qualify under HAMP Tier 2. I do not want to lose my home and I am seeking your assistance on this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I currently have a judgment from Civil court that is reporting on Transunion and XXXX. I have XXXX situations with this judgment and have disputed this information for months and I desperately, need help. First this suit was brought against me for back rent by my rental management named XXXX XXXX XXXX. I had a court date for XXXX and was told by the management office not to go because I had paid my rent in full and there was a XXXX balance. However, a default judgment was made against me because I did not go to court. I would have gone to avoid this. Secondly, this judgment was included in Bankruptcy that was filed on XXXX/XXXX/15 and has since been discharged on XXXX/XXXX/15. I have explained these XXXX situations to the credit reporting agency and the information has not been deleted. This judgment will affect my future for many years to come and it is not my fault. Please help. As of XXXX XXXX 2015 i had already paid a partial rent payment for XXXX so there is no way I was behind to have a judgement against me. I have attached copies of canceled checks. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank Best Buy Credit Card will not stop harassing me. I do not even have this credit card. The Best Buy automated calling machine has now left about XXXX messages on my home phone. The messages ask me to call XXXX. I called this number and asked them to stop calling. I confirmed that I am not the person they are looking for, gave them my number and they assured me it will be removed from their computer. The calls stop for about a week and then resume again. After XXXX unsuccessful attempts to get them to stop calling I am contacting you hoping that you can make them stop. Please help!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? 
I have reviewed Experian 's website to determine what steps I am required to take to dispute my accounts and thought I had followed all instructions : I sent in a copy of my ID, proof of my social security number and proof of my address. I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed from their website. 
I do not have the financial ability to be represented by an attorney. I work all day and can not afford to take time off work to dispute my accounts. So I would like Experian to tell me why is they are choosing to not accept my letter and my humble request for an investigation of my accounts? 

Company response: Company chooses not to provide a public response
Consumer complaint: I initiated a short sale earlier this year. We received an offer back in XXXX and have been waiting for approval on the short sale ever since. The negotiator is now requesting a listing extension through XXXX. It has been months with no resolution. 
Wells is delaying the short sale to allow them to collect more fees. In additon, in XXXX, the property preservation company stole my stove from the property they secured. I called Wells and was promised follow up in a few days. It has been over a month with no follow up. 
I also sent an email to the XXXX XXXX XXXX XXXX on XXXX and never heard back. Today I called in and was given an email address of XXXXXXXXXXXX and advised he was Sales Advisor Consultant. I ca n't even get someone in management to speak with me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Upon presenting a personal check on XXXX separate occasions, merchants being, XXXX, and XXXX my. Check was refused. Advising me ceretgy advised them not to accept my check and that i need to contact ceretgy i did so XXXX times and each time i was told there was nothing in their system indicating a bad check. Or a debt in collection nothing 

Company response: Company chooses not to provide a public response
Consumer complaint: Last XXXX my husbands employer had changed his payroll to salary XXXX to XXXX work first then get paid. This resulted in not getting a paycheck for a month. The other problem was his pay decreased because they changed from XXXX to XXXX weeks. I had contacted Wells Fargo before I even fell behind to ask what I can do and at that point they told me there was nothing can do for me. I see them always advertising if you anticipate payment challenges or if you need help they are there to help you. So I struggled and of course I fell behind. You ca n't make up pay you did n't get. I started to get charged late fees so I called and asked now what can I do to catch up. They put me in a payment plan that I could n't afford. Now they know I was currently in HAMP because I struggled when I lost my job after XXXX years in 2007. That program worked great for us. The payments started to go up, so that meant our arrears where increasing. In XXXX I told them that I could n't afford the current payment plan I was in to see if they can forbearance or something. Now up until last XXXX I was never behind, nor did I miss a payment. I assumed that they would be more than willing to help me. Now during the trial payment of my HAMP, my house was discharged in my bankruptcy by their error. So I also continued to pay because I wanted my house. I have n't been getting credit, but I really feel that now my house has equity they want it. I applied for anything they can help me with and that was XXXX XXXX. They continued to weird things, like send someone to my house and put a confidential notice on my door to contact my servicer immediately. That was illegal and there was no disclosure stating that they are not attempting to collect a debt. I was working with them My house was discharged so I had called because I was upset and explained the situation. The representative on the other end had called me a crazy lady. I could n't believe what I just heard. So I asked to speak to someone, had it escalated. Then my case was removed and given to someone else. But really no one said sorry to me, I could n't believe a professional could call a customer that. So I thought I would get fair treatment after that. Then I thought all was going well and then they denied me on XXXX XXXX. They then told me I can short sale, I could n't believe after XXXX years they could n't help me. I said you had no other options for a repayment? Their answer was I was denied because I was n't in imminent default. At this point I could n't believe that all that time they could n't come up with one thing. They claimed they had something ... what liars they had nothing. I felt once they realized I had equity they wanted my house. I had withheld a payment because I sure did n't want to not have one when they requested it. Their answer was I can appeal. What was there to appeal. They could n't do one thing for me? I think they false advertise helping homeowners. I had paid them faithfully and this is how I was treated. 

Company response: Company chooses not to provide a public response
Consumer complaint: I took out a payday loan in 2012, I lost my job shortly thereafter and they kept charging my bank account. I eventually closed my account and paid the overdraft fees of approximately {$140.00}. I have moved a couple times since then due to my fiancee 's work and and my family is receiving threatening calls from a lady who states she is issuing a felony warrant for my arrest due to non-payment. I contacted her yesterday, as per I was a XXXX, and told her she is in violation of the FDCPA and to stop contacting my family. She said she will contact whoever she wants and in XXXX hours there will be a felony warrant issued for my arrest. Her name is XXXX XXXX, with XXXX, XXXX and XXXX out of XXXX, her phone number is ( XXXX ) XXXX. She has given third party information to my sister in XXXX, my mother in XXXX, and is contacting my sister 's husband on his cell phone.I asked her to cease and desist all verbal communications and to contact me via email, she became irate and started yelling and screaming that she 's coming for me. I was at work, so I just hung up. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Unknown collection and outdated, please remove 

Company response: Company chooses not to provide a public response
Consumer complaint: Navy federal Credit Union froze my entire account on a a weekend and did not have security agents available to unfreeze my account until Monday morning. Subsequently, I was forced to leave my car on the side of the road and walk miles home with bare feet ( I was wearing heels ). I could not even get a drink of water.Someone could loose their life! I live in a very rural area and a gas station or place to get help is few and far between. I was in so much pain by the time that I got to my home due to the the prior XXXX I had on my XXXX. I was literally in excruciating pain by the time I made it home. I could not believe that the institution that I entrusted with all my hard earned money told me that they could not help me. i cried and explained that I was on the side of the road and my car had tun out of gas. Why, I screamed. I have over XXXX cash in your account? No help! I pray that someone reading this mandates that if an account is frozen over the weekend, banks have employees available to unfreeze the account. 

First thing Monday morning I called Navy Federal Bank to figure out what was going on. I was very upset and still in pain. I explained everything that i had been through. The manager said that all of this happened to me because I deposited a check in the amount of {$750.00} into my account that was " flagged '' as a suspicious check. I then explained to the manager that they only made available {$200.00} out of that check ( which is a good check from my fiance 's boss ) and that I already had an available balance of {$1500.00} prior to depositing that check. Why in the world would you freeze and entire account, rather that just waiting for the check to clear. I said? In my heart, I knew that what they did was wrong and they caused me personal harm. When I hung up the phone, I was told that my account was unfrozen. I am deadly afraid to have any money in Navy Federal Bank anymore! 
Wait!!!! Here comes the worse part!!!!!! 
They took XXXX out of my money!!!! Keep in mind, the only money available from the deposit of the check ( good check ) was {$200.00}. They took that and then froze XXXX of my money. After me telling them what I went through the day before. How can they justify holding a check and making me incapable of paying my credit card payment in full today with my cash? This is wrong! Someone please help me. it is due on the XXXX. Today is the XXXX! My credit score is at risk of being damaged. I always pay my bill in full, I should have XXXX in my account and they took XXXX for a check that was being held anyway. Please Help me. 

Company response: Company believes complaint relates to a discontinued policy or procedure
Consumer complaint: My name is XXXX XXXX XXXX and my husband I and recently sold our home in XXXX 2015. When I contacted my credit card company, XXXX account ending in XXXX, to update my new address it was misinterpreted. Instead of XXXX recording my address as XXXX, PA, it was recorded as XXXX XXXX. Not only was I not aware that my address was incorrect with the company, I never received my new credit card or my XXXX bill that was sent to the wrong address. I was not even aware that XXXX XXXX XXXX was the name of the new company as a result of their merger. I only realized that there was a blemish on my credit when my husband and I were applying for a loan for our new home. As you can see from my past history payment on my XXXX XXXX account I have very good history of paying my credit card on time. I am asking that you please look at this unique situation of our moving in XXXX, the credit card company having the wrong address and as a result we missed a XXXX payment and received a blemish on my credit score. I spoke with customer service at XXXX XXXX XXXX today, XXXX XXXX, 2015 and they made notation of this situation on my account. I am humbly asking you to please consider taking this off of my credit score. This missed payment would not have occurred if we had not moved and my address was correct. Thank you in advance for your time and effort given to this situation. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a victim of fraud. On XXXX I notified SunTrust that I had some items on my account that I did not authorize and also noticed that I no longer had my card. I advised them that I last used my bankcard on XXXX at XXXX just to purchase a couple of items. I was told to submit an affidavit for the items that I was disputing and was told that I will have a decision within XXXX business days. I contacted them several times within the XXXX business days to get updates. They came back with the decision and stated that they saw no fraud was made against my account because my pin number was used. I told them I had just recently received that new card in the mail and no one had the PIN other than me. Some of the fraud was made using a XXXX ATM. I went to the branch location where the fraud was done and asked if I can review the video from the camera and I was told that they had no way of showing me. I asked if the video was even reviewed and they could never give an answer which makes me think that it might be a SunTrust employee that is associated with the fraud. I was told by the SunTrust employee that I would have to do my own investigation and submit more proof to them. The associated advised me to go to XXXX to request the tapes to be pulled, which I did, and was told that they do n't have the authority to show me and video surveillance and can only be requested from the bank institution or an investigator. I also asked if a signature card was pulled to prove that the signatures on the back of the check did not match my signature but once again my request went unheard. I am requesting a full refund of all of the fraudulent items including the fees and a FULL investigation from SunTrust in house because I feel that SunTrust has frauded me and is possibly frauding other SunTrust members. The items that I am disputing are 2 checking that was deposited into the ATM one for {$910.00} and {$930.00}. There also was an ATM withdrawal for {$500.00} and 5 Wal-Mart purchases totaling {$260.00}. Also I have been a LOYAL customer with SunTrust bank for over 10 years and my account has ALWAYS been in good standings. I used this account for all of my personal banking needs such as receiving my direct deposit from my employer and paying bills. I have also incurred late fees because I am unable to pay my bills due to the fraud on my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: The original bill was {$930.00} from XXXX XXXX group. I paid {$500.00} to XXXX XXXX group then paid {$100.00} then they sent me to collection and charge me {$240.00} collection agency fee. Then I paid XXXX XXXX group {$160.00} that is when I found out I was in collection and they also charge me this collection agency fee. I contacted the collection agency and submitted all my records and the still refuse to listen. I called again to try and settle and have them adjust the fee they refused 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I continue to have problems with XXXX XXXX XXXX and Quality Loan Service in XXXX XXXX. Their latest move is to reschedule a foreclosure sale to XX/XX/XXXX but they have scheduled it to be held in XXXX, CA, instead of XXXX XXXX, CA, which is not what is stated in the NOS. This is a violation of CA Civil Code 2924g. In addition, I have been unable to locate where notice of the sale has been published. In addition, they dates on their website as to the dates of the NOS and NOD are incorrect. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Credit Solutions is reporting a claimed debt of which I had no knowledge. I received no correspondence from them and do not believe the debt is valid The collection agency never contacted me regarding any outstanding debt owed. I had a doctors appointment on XXXX/XXXX/14. My insurance information and ID was provided. I paid a {$35.00} copayment at time of visit. Was not advised of any other charge or amount due. A procedure was scheduled to be performed at an out-patient facility on XXXX/XXXX/2014. On the day of the procedure I was not advised or informed on any additional cost involved. I had no knowledge of any outstanding amount allegedly due until I found a collection account on my credit profile. I had to reverse track the collection agency name and original creditor name through the credit report. I have contacted my insurance company and they investigating the charges and amounts that are claimed to be due. I, in good faith, contacted the collection company and was willing to pay the amount they claim is outstanding and then be reimbursed by the insurance company for any over payments but want the collection removed from my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I live in Michigan. I have a title loan that I have paid over {$2000.00} in fees. I am 12 days late and I still owe XXXX on original loan. They have not taken my car but are texting me that legal action is going to happen. Do I have any recourse, since my original loan was for {$800.00} and every month I have to pay over {$200.00} and it does not touch the original amount. Please respond quickly as I need to know if I have any recourse what so ever. 

Company response: Company chooses not to provide a public response