AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: After dealing with USAA and being told that they would not update my credit because a payment had not been made I got the answer I was looking for. USAA acknowledged they were wrong and sent a letter to the credit reporting agencies on XX/XX/XXXX that they need to correct what was reported. USAA claims they removed the late fees attached onto the account. I asked that they credit the payment that should have been made in XX/XX/XXXX of {$80.00} and for the XX/XX/XXXX payment of XXXX. They are refusing to give credit of the {$80.00} or {$44.00} as they are claiming they did not get a payment from me, even though I authorized both payments to come out and their representative did not set up the payments. They acknowledged to me in a letter XX/XX/XXXX that I did have a payment set up to come out XXXX which led me to believe I in fact had the first payment go through. No one at USAA can tell me why I was never called after my first payment did n't go through as the account was behind before the payment was set up with XXXX from their member debt solutions team. I then received a letter on XX/XX/XXXX stating that I was behind and needed to make a payment. When asked why I was never notified they could not respond. When asked why they could n't credit the account they said because they never got the payment ... even though there is a letter stating otherwise and that payments were set up. I told usaa and offered to pay the balance in full if they credited the XXXX and the XXXX to my account and that that remaining balance could be and would be paid off in full. This company is turning away my money and still holding my credit hostage. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I bought a car at a local dealer named XXXX I was told car was clean title vehical. car was not. I brought car back to dealer car was taken back I was givin XXXX bads checks from dealer for my down pmt I gave him. loebell is the lien holder on this vehical .... I gave car back because vehical was sold under false pretense to me, by dealer and loebell financial, I maid four pmts on this vehical plus repairs this vehical was supposed to be taken off my credit report it has not because the dealer does not have money to buy contract back from loebell they will not give back my pmts or repair money I put down I was lied to from onset of deal I gave car back because dealer, HAD TO TAKE IT BACK BECAUSE HE LIED AND I CAUGHT HIM .... loebell wont release me from loan or pay me back the money I paid them, them for fouir months this is robbery I am not respo9nsible for a dealer or lender who falisfys legal docs which is the case by dealer and lender loebell has not been helpful I have been completely abused by every employee there. I w3ant my payments lost time and money back 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Says I lived in XXXX. I 've Never in my life lived there. I 'm born, raised, and still a XXXX female. 
Please remove that XXXX address. 
Thank you. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I am writing in response to Ditech Financial LLC 's recent initiated foreclosure action against me. 

This is a rather shocking revelation since I am current on all monthly mortgage payments. After conducting an extensive audit of all mortgage payments to Ditech in XXXX, it was revealed that Ditech was overpaid {$2500.00}. Numerous, certified USPS correspondence mail was sent to Ditech detailing the payment history as well as identifying the overpayment. There was no answer by Ditech. On XXXX XXXX, XXXX, and again on XXXX XXXX, XXXX, Ditech was sent Qualified Written Requests in order to conduct an audit of their records. To date, Ditech has not responded, violating their legal obligation under the Real Estate Settlement Procedures Act ( RESPA ). Accordingly, I seek the remedies afforded me under RESPA in the amount of {$2800.00}. 

This is not the only transgression by Ditech. Throughout XXXX & XXXX Ditech has been : Misapplying my mortgage payments to the wrong account. 
Failing to renew my Homeowners Insurance on the property and instead initiating a " forced-place '' policy that only paid the balance on the mortgage and did nothing towards replacement of the dwelling or other personal property destroyed or damaged. Such activity violates state and federal laws, including the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX A recent case against XXXX XXXX XXXX and its mortgage servicing agent, XXXX XXXX XXXX, resulting in a large settlement for the plaintiffs. For reference, this case is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Florida, No XXXX. 
Charging late fees even though I am current on mortgage payments. 
Engaging in coercive collection practices and falsely claiming that certain amounts are due. 
I am in possession of the evidence to prove all of the aforementioned claims. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: U. S. BANK HAS FAILED ME! AS A RESULT CAUSED MANY PROBLEMS, O/D FEES ETC. 
IN XX/XX/XXXX CALLED TO DISPUTE THE FOLLOWING UNAUTHORIZED TRANSACTIONS : ACCOUNT # XXXXXX/XX/2015 UNAUTHORIZED DEBIT PURCHASE : XXXX XXXX IN THE AMOUNT OF {$890.00}. 
XX/XX/2015 : XXXX XXXX XXXX IN THE AMOUNT OF $ XXXXPLEASE REVERSE AND CREDIT MY SAVING ACCOUNT # XXXX IN THE AMOUNT OF {$1300.00} ( SEE ATTACHED DOCUMENTATIO ) THANK YOU! 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX came to my house and spoke with my daughter who was XXXX at the time and convinced her to let them install insulation. I did not want them to do this and never contacted them to do it. I never meet with them was not even home when they came to do it. Never had any dealing with the company, never signed a contract no one had authorization to sign on my behalf. the first time I knew about this happening is getting a bill in my name. I have tried to contact the company with no response and have contacted the collection agency to inform them that it was not my debt. was inform that it is to bad that i had to pay. It is not my debt. I did not authorize anything. was not home to know anything. I am not responsible for this. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A representative called me from XXXX XXXX stating that I owed a debt from Citi Bank and that they were going to sue me if I did not pay them {$16000.00}. I did not know about this debt, so the representative said he would transfer me to the fraud department. After sitting on hold for over 10 minutes, I call back the number that called me ( from the caller ID ), talk to the rep again and he then transferred me again. The man that answered said the debt was from 2005 ( over 10 years old ) and said " You must have been transferred here because you do not want to pay ''. I said if this debt is from 2005, it is over 10 years old and is a time barred debt ( Cal. Civ. Proc. Code 312 et seq. ) so he can not report it, nor can he sue me for it. He said he was from a legal firm and would see me in court and hung up. 

Company response: Company chooses not to provide a public response
Consumer complaint: All of my Student loans were discharged, not in bankruptcy, but because I had been in and out of XXXX and was completely unable to pay. I am still unable to pay the 1983 debt they are attempting to collect now. It was not a Federal student loan as depicted, but a collection of fees from university of XXXX for things like parking tickets. The debt is decades past statute of limitations. This company keeps trying this with me under different names such as XXXX, trying to get me to make a payment thus obligating myself legally to whatever inflated amount they choose, because it worked once and I 'm still paying them. They are likely doing this to multiple people and need to be investigated. They have changed the name of their business again. I 'm sure if this amount was paid, they would come after me again with yet another moniker to collect under. This debt is both misrepresented as Federal and well beyond statute of limitations. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I wanted to have a temporary lift on my Transunion Credit Report security freeze. I am a resident of the state of Nebraska which means I can get a freeze or thaw on my credit report without charge. When I tried to get a thaw by calling I was told it would be a {$3.00} charge. I gave my zip code which confirmed I live in NE. Since this was n't successful I tried to go online. My request could not be processed. I believe this might be because I have an alert on my account. I want XXXX things : 1. A phone number to reach a real person so I can get a thaw without a {$3.00} charge. 2. I want the CFPB to know that Transunion has a system flaw and all Nebraska residents have been erroneously charged {$3.00} for security freezes and thaws over the years. I also intend to contact the Nebraska Attorney General 's office. 

Company response: Company chooses not to provide a public response
Consumer complaint: Per the purchase contact, I was required to double apply with New American Funding. My original lender XXXX advised that they would not be able to lend on the complex. New American Funding ( Loan officer XXXX XXXX ) told me that XXXX American Funding would be able to do the loan because they had previously closed in that complex and they had the condo certification and approval so there would be no issue with the loan. I proceeded. The loan officer called me and said that the loan was approvedand about 2-3 days later I received the approval via email. My realtor emailed the loan officer about removing loan contingency and from what I can tell there was a verbal go with removing loan contingency. I signed off. Because of the lender New American Funding, my cling date was extended 2-3 times. At the 11th hour, right before we are scheduled to close, the loan officer calls me to tell me that their underwriter is requesting a full condo review. The end story, the loan XXXX calls me to tell me that they can not lend on the complex. Now my $ XXXX deposit is at risk. I received a Cancelation of Escrow with the funds to be held. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX collections have been placed on my credit report relating to unpaid utilities that are not mine. All XXXX collections seem to relate to an address at which I have never lived. I contacted the utility company associated with Pro Collect 's collection, and they confirmed the delinquent account is under a different social security number and birth date as mine ( although same last name ). Pro Collect refuses to remove the collection despite me providing information to demonstrate it is not mine. I have contacted all XXXX credit reporting agencies and submitted documents and a letter proving that the debt is not mine, yet the collection continue to appear on my credit report and remains unresolved. 

Company response: Company chooses not to provide a public response
Consumer complaint: Good afternoon, I am wanting to write in regard to a situation that I feel was professionally wrong. I communicated with a collection agency Hunter Warfield on a debt that I owed to them. I set up to where I settled for a disclosed figure and was told by the employee ( XXXX XXXX ) that it would be taken off my credit within 24hrs of final payment. well I called and tried to figure out how to go about making sure that this was taking off my credit as I had already been able to go and print out the receipt of payment where it states that the collection had been XXXX out and settled in full. Upon trying to do so I spoke with another employee who submitted a manual notification stating that it had been settled as well to the credit company and provided me with the AUD Update Control Number to provide to the credit company as well. Upon contacting the credit company I was informed that it was going to be up to the collection company as to whether or not they remove it off my credit. I called Hunter Warfield back and was transferred to a lady by the name of XXXX XXXX who did n't seem to want to try and hear me out at all and started out by cutting me off and stating that she did n't care what some credit company had told me that she had the say so on whether or not it be removed. XXXX XXXX also went on to inform me that if I did n't be quiet and listen to what she had to say that I was n't definitely going to have anything moved off of my credit. I tried explaining to her that an employee of Hunter Warfield had told me that the debt would taking off my credit once the debt was paid in full. XXXX XXXX informed me that she was n't going to take it off and that it would stay on there for another year and half because I waited for so long to try and pay. she completely disregarded me for a customer and overlooked the fact that I was trying to inform her that I have a XXXX month old and a XXXXmonth old who I am trying to provide housing for and that I was n't able to due that as long as that was still showing up on my credit and so now here still my children and my wife are having to stay with a family member on their couch because she refused to take the collection off my credit and was nasty as all get out with it. I also informed her that I was recording the call as I do with all important calls and she then tried changing her story but it was to late by then. I tried calling back and she has not returned my call or anything to try and get this resolved. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: The Collection Bureau of XXXX XXXX sent me a purported debt regarding a medical bill. I requested verification and they sent me a medical bill with the XXXX redacted so I can not validate the debt. I demanded that it be resent to me with the XXXX visible so I could verify the debt and instead The Collection Bureau of XXXX XXXX/Collection Bureau Services contacted XXXX and XXXX verified the debt for me without my permission or sending me documentation so I could verify the debt. The debt remains on my credit report and both XXXX and the Collection Bureau of XXXX XXXX/Collection Bureau Services refuse to place it under disputed status. This is a gross violation of my rights under the FDCPA. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A few days ago I received an alert from my credit monitoring system that an update had been added to my credit report and I contacted the transunion credit bureau to alert them of my situation. They did not comply due to my not completely confirming my identity. I decided to allow an attorney to submit the pertinent information of proof of identity. I also contacted the Consumer Financial Protection Agency to have a further investigation to remove this disqualified request of an overcharge on my XXXX account. The breakdown the charges of the bill and continued to submit different charges with each billing statement that was submitted. 

Company response: Company chooses not to provide a public response
Consumer complaint: I would like to raise a new issue : Bank of America abused their discretion by slashing my credit line by 80 %, while at the same time denying my request for a credit line increase AND a refund for the payment made. My credit score did not go down ; in fact to this day it has increased XXXX points from XXXX to XXXX, as of XXXX/XXXX/2015 ( Source : XXXX ). 
The payment made ( approximately $ XXXX ) was done in good faith, despite being a clerical error, that my credit line would remain intact with the Bank . Even though I meant to transfer merely the bare minimum, about ten percent of what I ended up making, nevertheless either way the payment was done bona fide ; and for the bank to slash my line of credit ; without underpaying or missing a payment ; and without due notice and an opportunity to be heard breaches both the Credit Card Agreement and the Credit Card Accountability, Responsibility and Disclosure Act. 
The articles I am providing below raise issues with Bank of America that are wide-ranging ; affecting consumers like me on a colossal scale : Moreover, I am providing additional information to prove the scope and extent of consumers ' grievances against Bank of America is becoming great and far-reaching. 
Source -- -XXXX : XXXX : XXXX : XXXX/I respectfully appeal the Bank 's decision and ask the CFPB and their Ombudsman 's Office to try to work with the Bank in recovering my funds. 

Additional information is provided upon request. 
Thank you for your help, consideration and moral support. 

Yours Truly, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent several letters to Experian disputing erroneous information that I believe is the result of a relative. I asked Experian to provide me with verifiable information per FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) including1 ) The name of the creditor ; 2 ) The person 's name that the dispute was verified with ; 3 ) The address ; 4 ) The telephone number ; and5 ) The documentation used to verify the dispute. 
I understand that per FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) that Experian must remove the items in dispute if they can not provide me with this information. They did not provide the information above and did not remove the disputed items. In addition, I sent a letter from XXXX XXXX XXXX that states that they are adjusting the reported late payments that were in fact not late. After sending the letter twice, Experian still will not remove the derogatory information. Lastly, they are reporting a collection with a company called XXXX XXXX XXXX. When I personally investigated this, I found that it was reported under a completely different social security number! I explained this to Experian and they still refuse to remove the collection. It appears to me that no real attempt to obtain verifiable information was made by Experian. They simply acknowledged that the derogatory marks are mine. 

Company response: Company chooses not to provide a public response
Consumer complaint: They have been harassing us for a month. They only let it ring 2 times then hang up. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My Sears card Credit card was closed without my notification in maybe 2013 after Citibank bought out Sears cards. I learned this when I tried to use it after not using it for a while, but had been loyally paying my balance for about a year. Because I had been paying every month and not using my card, I had not been using my online account. When I began to investigate transferring my balance as a way to lower my absolutely insane interest rate, I learned that my online account was inaccessible. In addition, I have not received a paper statement from Citibank regarding this account in years, but a monthly payment continues to come out of my banking account, and the only way I know this is because somehow XXXX has access to my closed online account, and notifies me that the payment has been made. I do also get an email from Citigroup thanking me for my payment ( which is, every month, just about the interest that has been tacked on that month ). Every time I have tried to gain access to this online account to see Citibank 's activity in my account ( to see any statement, of any sort ) I have had to have an hour-long phone conversation, where I am asked for my account number, which I have not had access to in years. Then, even upon supplying my social security number, no one who is transferred my call is able to even find my account based on my name, previous addresses, SS number, and last XXXX digits of the account number. Which leaves me to wonder, now that I have paid more than then entire current balance to Citigroup over JUST the past TWO years of about four or more years of payments, why I am still paying an account that no one can find? Additionally, I have been told that legally I am not allowed to access an online account because the credit card account was closed ( by Citigroup, without my notification ). PLEASE help. I ca n't afford to keep paying them hundreds of dollars a month but I have trying to slowly rebuild my credit for years so I also ca n't afford to stop paying them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested a credit report from Transunion, XXXX, and XXXX and they refuse to give me a credit report after I was denied credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage company is LenderLive. On XXXX/XXXX/2015 they withdrew 2 payments from my escrow account for home insurance and Property Taxes. It has been 3 weeks now but neither the county nor the insurance company has received the payments. Also, they withdrew almost {$350.00} more than the actual tax bill. I am trying to get my loan transferred to another lender but I ca n't as they require the payments to be made before they can transfer the loan. Every time I call Lender Live, they tell me that they payments have been made and I have to talk to a new person to explain them all over again. I read the reviews about this company and it seems that other people also have had issues with them paying out the bills from escrow. Please help. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Loan Care ( myloancare.com ) website has been down for the last two months so I have been unable to make payments online. As a result, I must call in a payment and wait on hold for close to an hour before speaking to someone. I want this investigated, the website does n't even work. I 've tried from multiple locations, multiple computers, multiple browsers. I could n't even get their contact information to load and had to find the number in a google search. How can they expect customers to make on-time payments when they ca n't even keep a website running? 

Company response: Company chooses not to provide a public response
Consumer complaint: Investigator XXXX XXXX and XXXX XXXX of XXXX XXXX disclosed personal information to my mother, my sister and a friend regarding my debt. They also threatened it was a crime and they would send " the authorities '' to collect the debt as well as garnish my wages. They solicited payment of {$1100.00} from my mother and automatically debited another {$1600.00} from her account ; total of {$2700.00}. 

Company response: Company chooses not to provide a public response