AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I sent TransUnion a letter ( letter attached ) requesting the investigation procedure for several different items which are listed in the attached letter and below. TransUnion received this letter on XXXX/XXXX/2015 ( delivery confirmation attached ). It has now passed the 15 day time limit for them to have provided the procedure. They are now in NON COMPLIANCE. Please see FCRA laws below. 
Items requested for Investigation Procedure:XXXX XXXX Collections Account # : XXXX. XXXX Collections Account # : XXXXAccording to FCRA XXXX XXXX XXXX XXXX sub-paragraph ( a ) ( XXXX ) : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. 

Noncompliance- FCRA XXXX XXXX XXXX XXXX Sub-paragraph ( a ) XXXX ( A ) : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: account from XXXX is over 5 years old. This should have been taken off my credit report already and it 's keeping my score down and hindering me from purchasing my first home. I attempted to dispute it with Transunion and the company took more points of my credit score and they reported it again. Please remove from all XXXX credit agencies. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a Best Buy ( Citibank ) credit card in XX/XX/XXXX and was entered into a non disclosed " debt protection '' service that I did not agree to. I have also never received a mailed statement. I 've been receiving random " thank you for being a Citibank customer '' letters but nothing with a balance until recently. In XXXX, I discovered a balance of over {$900.00} on what was originally about {$1200.00}. I was confused because I 've paid more than {$300.00} in XX/XX/XXXX alone. I contacted Citi, who first informed me of this non disclosed service. I called the third party company but, after XXXX times of calling, I would not receive any proof of signing up for this service. I 've contacted Citi and placed my account into dispute, only to find out I was in the wrong type of dispute ( disputed for fraud ). I attempted to contact Citi and was on the phone for over four hours with them as I was being transferred from XXXX person to the next. It was extremely frustrating because XXXX person was contradicting the other and then I 'd be transferred again. I 've been trying to get a payment history and a balance of what my amount should be, minus the debt protection services. I could not receive an answer. It was my belief the credit card should be paid off or close to and I was prepared to pay the balance. Due to the non disclosed service, I was unable to pay the $ XXXX that was due at that time and was " awarded '' a giant interest charge of over {$1200.00}. I 've tried to work with Citi and it seems I 'm getting nowhere. I googled my problem and found numerous other people had the same issue, including a {$XXXX} XXXX payout to Citibank customers ( https : XXXX ) which I was unaware of. In the end, this dispute has delayed me refinancing my house and if this does not get resolved in my favor I 'm not going to be able to because it 's severely hurt my credit score. I do n't know where else to turn and unsure if I should blame Best Buy, Citibank, or the debt protection company. Please Help me! 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been fighting with my servicers for a number of years in regards to my mortgage. I say servicers because I have been switched around from one servicer to the next over the past couple of years. My present servicer is Select Portfolio Servicing which I will refer to as SPS. I am completely frustrated with SPS. It appears to me that they are totally ignoring laws, rules and regulations that they are required to adhere to. After much research, I decided to mail SPS a Notice of Rescission, cancelling my deed of trust and debt. I mailed them the letter on XXXX XXXX, 2015 and they received it on XXXX XXXX, 2015. It is my understanding that Congress enacted the Federal Truth In Lending Act ( TILA ) to be self-enforcing. Upon mailing of the letter, TILA automatically extinguishes the lien and the liability of the lien. The security interest is void and of no legal effect irrespective of whether SPS or the true creditor makes any affirmative response to the notice or not. The voiding of the security interest is not a procedure in a step to be followed, it is automatic by operation of law. Because the notice of rescission is self-enforcing and the deed of trust is canceled by operation of law, there can be no legal foreclosure. Because there can be no legal foreclosure, any and all foreclosure against my property currently ongoing must be canceled forthwith. The auction currently scheduled for XXXX XXXX, 2015 must be canceled immediately. Under TILA, SPS, or the true creditor, had twenty ( 20 ) calendar days to dispute my rescission letter by filing a declaratory lawsuit against me. SPS nor the true creditor took any action against me. Since they have failed to take any action, SPS and the true creditor, have given up all rights or claims for the money they allegedly loaned to me. They have waived any all defenses to the rescission and they are now in violation of Federal law. Under TILA, my debt is not only unsecured, but it is eradicated starting with the rescission notice and ending with their failure to comply with TILA within the twenty ( 20 ) calendar day period. If the rescission letter is self-enforcing, it bewilders me why I have to go through such measures for them to abide by the law. Under TILA, SPS had to take mandatory steps, one of which was to provide me with a release of my mortgage and the other was to refund me all proceeds resulting from my loan. They failed to follow these mandatory steps. I am writing this complaint because I am actually mortified by their blatant disregard for the law. I respectfully request that you immediately review this case in critical detail and inform SPS of their wrongdoing. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: re numerouse complaints against, XXXX /wachovia bank / wells fargo bank, fraudulent forclosure / predatory lending/ forced home owners insurance, lets start XX/XX/XXXX, wells fargo bank say i missed 3 consecative mortgage paymants, that is a bare faced lie, i have all the proof of paymants international wire transfers, recieved and cashed by wells fargo bank, i was over paying on my monthlly paymant incureing a over paymant in excess of a {$1000.00} credit also my escrow acount was in credit of over {$5000.00} credit .for taxes and insurances paid, This is what wells fargo bank .Fraudulently did, They started forclosure preseedings, stating i was 3 paymants in arears, Then closed my escrow acount sending XXXX large checks to my insurance company, totaling {$5000.00} insurance was already paid for the year,? This deceptive act was deliberate act to deceive and deprieve .knowingly that the insurance company will send back the XXXX checks to the bank, wells fargo then fed the funds fradulently back into a closed escrow acount, the wells fargo fradulently made the amounts look like they were older paymants, they call this cooking the books? There were no missed paymants mortgage acount in credit of {$1000.00} when they refused paymant saying acount closed in forclosure and escrow acount in credit {$5000.00} on this day XX/XX/XXXX There was no grounds for forclosure in credit of {$6000.00}, also wells fago have a co signed insurance check for damage i had repaired for {$2500.00} that make my acount in credit forover $ {$8500.00} credit no grounds for froudulent forclosure, as a consumer why have i not been treated equal to americans, preadatory lending XX/XX/XXXX lending 50 % 0f house value {$520000.00} loan amount {$250000.00} Then forclose this is organised crime act of lending please explane why wells fargo bank have not been brought to justice for fraud and perjury committed between XX/XX/XXXX to XX/XX/XXXX crooks 

Company response: Company chooses not to provide a public response
Consumer complaint: We have owned our home for 14 years. We did a refinance a few years ago that promised to pay off our mortgage in a shorter time. The interest rate was 7.65 %. In the mean time the economy tanked in XXXX Oregon where we live and times were difficult. We did get a loan modification but we have tried to refinance to get a lower interest rate. Our mortgage was recently sold to DiTech and we applied for a mortgage to refinance at a rate of about 4 %. They denied us based upon our credit history. They apparently believe we can not make our payments even though our payment history on our mortgage has been spotless for over three years. This is very self-serving of them. We would have saved about {$300.00} per month but instead, because they denied our refinance to a lower rate, we must continue to pay them more. Is this fair? Legal? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: several slandering, tricks, and false information, i am very satisfied with bank just some of the employees are moving side ways doing improper actions or statements like in the claims department, or the merchant services reps not showing for appointments, asking some bankers for business bankers and saying none are available and then one accepts me right away. from the bank enough is enough. and before they stated there were no fraud alerts or security and now there is. i love bank of america but some of these need to adjust. adding fees to credit cards that are not due. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a XXXX Veteran since XX/XX/XXXX ( approximately ) and because of this I am exempt from paying state property taxes. Freedom Mortgage ( Lender ) has requested paperwork stating my exempt status. I have sent them the paperwork three separate times and they say it 's not the right information. This is paperwork from country courthouse/government center and is the legal paperwork for this exemption. They are ignoring the status and since the acquisition of the house on XX/XX/XXXX have been charging property tax to the loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied on line for a Wells Fargo Bank account so that I had somewhere for my father to wire my money. He lives in a rural area where the nearest XXXX XXXX is 3 hours away so it would be easier to wire money straight from his bank to mine. 
I was refused a bank account. I had resolved my bank account issues to my understanding with Wells Fargo. They understood that the previous issues were due to fraud. They XXXX out my account and I chose to close the accounts until a later date. They did n't even reimburse me for what was fraudulently taken from the account. 
Now I am refused an account 3 years later and want to know why. 

Company response: Company chooses not to provide a public response
Consumer complaint: This account was closed on XXXX/XXXX/11 want to be removed from my credit it 's already more than 4 years. 

Company response: Company chooses not to provide a public response
Consumer complaint: When having my credit pulled, to purchase a house, a late payment was identified on my report. The late payment was a result of US Bank charging an annual fee for a credit card and not sending an invoice. I had a XXXX dollar balance so I never thought to look. US Bank agreed to dismiss the charges but required a written notification to reverse the negative marks on my credit report. 

I submitted the request and was told I would receive a response within 30 days. That time has come and gone and I have received nothing. I tried to contact US Bank 's credit department but was told they do not have phones or take calls. No one can tell me if/why/when the negative marks will be removed from my report. In the mean time this single instance of a {$49.00} late fee ( that was removed ) lowered my credit by XXXX points and will cost me {$1000.00} 's in interest over the life of a new mortgage. 

I would like to be able to contact US Bank and discuss this issue directly and resolve my credit in a timely manner. Is there anyway to force them to speak with me or any other actions I can take? Do I need to sue US Bank to resolve the issue and can I sue them for the future interest that I will pay? I very much doubt I will sue them for {$49.00} but maybe XXXX would get their attention. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/15 I submitted a dispute to Experian, regarding several errors on my credit report. Their response dated XXXX/XXXX/15 showed several erroneous accounts were removed. However, an erroneous address, which was also disputed, remains on my credit report. I have never lived, nor am I associated in any way with the address : XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: This account was closed on XXXX/XXXX/13 want to be removed from my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was XXXX when I had a meeting about how to pay for my school at XXXX XXXX I did not I did not understand what they were talking about. someone just gave me some papers to sign. after I graduated I got many, many calls about owing money for going to XXXX. I told them that I could not remember what they were talking about. I told them to stop calling but they not stop. I got really scared to answer the phone because they very mean to me. I went to my psychiatrist and he changed my drugs to help me out. I got a lawyer who told me he was going to sue and I would get a lot of money. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: RGL asscociates of XXXX, GA wo n't send me a " paid in full letter ''. I started paying my debt in an installment of {$100.00} starting earlier this year. However I needed a car loan, and this was showing up as a lien on my credit. So I decided to pay the remainder of {$300.00} in full XX/XX/XXXX. It 's been more than 3 weeks since I paid my debt in full, but still have n't received any kind of proof that shows that I am clear of this debt. Any bank I go to asks me to get the lien removed before they can accept my loan application. I have requested a paid in full letter 3 times already and they keep saying they will mail it the same day. I 've even offered to pay for a registered mail so to make sure I receive the letter and have to sign off. They are just giving me a run around everytime I contact them. They have however faxed me something that shows the amount I paid and shows that my balance is {$0.00}, but banks need more than that. I feel really helpless, I am in a dire need of a car loan. Please help! 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: i just see a debt on my credit report thru ars from XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Barclaycard - MasterCardThey decided to close my credit card for lack inactivity without any notification. 

Letter mailed XX/XX/XXXX - according to them they mailed a letter notifying me that the account is closed. 

XXXX 2014 - Account was establishedI would have happily bought some toothpaste or soda can with their credit card to keep it active. However, they closed the account without any notification or communication. 
In my opinion, this is a denial of credit is illegal and a violation of Frank-Dodd Act. 
I would even argue this is racially motivated. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/XXXX I disputed a XXXX Acct # XXXX .... asking them to verify all info. Experian responded to that dispute on XXXX/XXXX/XXXX and reaged the account and changed previously reported information. They changed the date opened from XXXX on XXXX XXXX, XXXX to XXXX on XXXX XXXX, XXXX. They changed the " date of status '' from XXXX on XXXX XXXX, XXXX to XXXX on XXXX XXXX, XXXX. The " on record '' date changed from XXXX XXXX on XXXX XXXX, XXXX to XXXX XXXX on XXXX XXXX, XXXX. In addition, on the XXXX XXXX XXXX report the " account history '' showed as OK until XXXX XXXX & then XXXX for XXXX XXXX. On the XXXX XXXX XXXX report, the " account history '' now reads OK until XXXX XXXX, then " XXXX '' from XXXX XXXX to XXXX XXXX and XXXX in XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: it is automated they just say to call but do not relinquish a name who they are calling for 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Our lender is requesting an updated barclays statement with account number and balance ( not an uncommon request ). I called on XXXX and was told that their systems are down and it would take up to XXXX hours to complete. XXXX hours later the request was not completed. I called again on XXXX and they said they would email it by XXXX. They did n't. I called at XXXX on the very same day and they said it would happen by XXXX. It did n't. I called again at XXXX and they told me that the person I spoke to on Tuesday did n't create a case number. This is unacceptable as our financial future hangs in the balance. How is is that every other major credit card company was able to comply with a very common request within minutes, but barclay 's was unable to. This does n't seem fair or right that I will incur financial loss from their incompetency. Also, how is it possible that a financial institution has no backup plan for when systems are down. They keep saying their fax is down. In 2015, really? 

Company response: Company chooses not to provide a public response
Consumer complaint: I ordered an exercise machine from XXXX off of a television infomercial. I agreed to pay XXXX payments of {$49.00} per month. One month after receiving the equipment I received a letter from Monterey Financial Services advising that I have a loan with them. A week later the account showed up on my credit bureau report. I never agreed to having an installment loan placed on my credit bureau reports. XXXX XXXX took it upon themselves to set up an account with Monterey Financial. During the course of paying for the equipment I got behind and Monterey Financial reported me as 61-90 days past due. When called Monterey and advised that I was going to sue them as I never gave authorization for them to open an account in my name and place it with the XXXX credit bureaus. XXXX the representative I spoke with received authorization from her supervisor XXXX XXXX that Monterey would change the status to paid as agreed if I paid the account off.I checked my credit files and found that they only reported the account as paid but with late payments. This was not the agreement. Further more the account should have never been placed on my credit files. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: IQ data continued to harrass my parents regarding a debt turned over to them by an apartment complex I moved out of a month early due to work injury, XXXX, and XXXX all while out of work and collecting workers comp. In addition, they began harrassing me at work, as well as, contacting my employer, XXXX XXXX XXXX. They were asked numerous times to cease ALL harassing phone calls that were being made, but did not. Then they began calling me while I was at work, by pretending to be someone else, from various numbers so I would take the calls, and would not stop calling. I told them they were not given permission and I wanted the calling stopped immediately, before they cost me my job. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I continued to be called incessantly and at all hours by various representatives of " Synergetic Communication, Inc '' with a " Settlement Offer '' of {$410.00} on a " Current Balance '' of {$740.00} with XXXX. I do NOT owe XXXX, " Synergetic Communication, Inc '' nor anyone connected with either firm ANYTHING! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There is an item listed on my credit file that is unknown. I have tried to request validation and dispute this item and have received nothing. I 'm in need of some help from your agency. 

Company response: Company chooses not to provide a public response
Consumer complaint: I ordered a combo internet/sattellite dish cable package from XXXX. XXXX said that XXXX needed to come install a line for the internet before they could do their install. XXXX came out 1 day, and less than a day later XXXX came out. They told me that they could not install a dish on my property because they could not find a place that had a satellite signal. They cancelled my service ( no problems with them so far ). I immediately contacted XXXX ( while the dish person was still at my house ). I wanted to make sure I got my small deposit back ( I did ). I returned the equipment that had been left at my house ( I originally thought this was the source of the bill, but it was n't ) What I did not anticipate was a bill about a month later. I was n't even sure what it was for & XXXX could n't even tell me what it was for for about 3 or 4 months. I have XXXX bill that says it was for the service. I attached this. I was told not to pay by a representative, so that we could get it straightened out. I was reported to a collections agency. Then I was told that it was for the installation of the line ( that is n't what the bill says - it indicates a months worth of service and state tax, but the collection agency record says XXXX XXXX XXXX wireline ). Finally I was able, 6 months after the fact, to get a supervisor at XXXX XXXX XXXX to tell me my bill was XXXX & that I do n't have an account anymore and do n't owe them anything. She assured me that it would be reported to the collection agency. It was n't. I am still being hounded. XXXX XXXX XXXX has refused to provided me written proof that I do n't owe them any money ( something I can send to the collector and the credit bureaus that probably have this record ). I have asked them to mail me something, fax me something, but I am always given a runaround ... for instance : this has to go to another department first, and other nonsense. The company is so large and so disorganized, I do n't know where to go to get a resolution. I have lost days of time ( phone calls up to 5 hours long where I 'm passed around, hung up on, etc. ) I have great mental anguish. I refuse to pay the {$200.00} that I do n't owe just to get them to leave me alone. I would feel like a loser. The calls wake me up every day ( I work night shift ). I had gone 6 months without hearing anything, and thought XXXX XXXX XXXX had finally done what they promised, but I started receiving the calls again & received a bill in the mail ( again ) after 6 months of silence. 

Company response: Company chooses not to provide a public response