AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have repeatedly been denied access to my free annual credit report by Trans Union. Several calls to multiple Trans Union customer service help lines have not fixed this issue. Trans Union claims that they do not have a record of me when I attempt to obtain my free credit report, both through XXXX and Trans Union 's own website. However, Trans Union is willing to provide me with a credit report and credit score if I submit a payment of {$12.00}. Neither my name nor social security number have ever changed, and my address has remained the same for more than three years, minimum. I received my free annual credit reports from both XXXX and XXXX without incident. My XXXX XXXX credit card account is able to access some aspects of my Trans Union credit report, which indicates that Trans Union has erroneous information about my credit history that is having a detrimental effect on my credit score and status, resulting in financial damages incurred by myself. I need to correct this erroneous information, but I can not do so without a full record of my credit report. I have tried repeatedly to fix this issue with Trans Union over the phone. I have taken all actions requested and correctly answered all questions asked of me. However, Trans Union has refused, either through maliciousness or though incompetence, to provide me with my free annual credit report as required by federal law. I ask that the Bureau of Consumer Financial Protection intervene to both correct this issue on my behalf and to also secure the payment of compensatory and punitive funds from Trans Union as allowed by law. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: over 7 years since last payment was made -- should be removed from my credit reports 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX Lending is attempting to add a forced hazard insurance premium on my property despite adequate coverage or requiring " flood insurance '' when the property is not within the FEMA guidelines. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: XXXX is illegally reporting on my credit, which is negatively affecting my credit score. Please help me enforce my credit right and remove this illegally reported account from my credit report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This number calls at least ten times a day and when I answer the phone I get immediately hung up on. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am getting at least 1-4 calls per day on my home and cell numbers from a automated caller claiming I owe a debt. I have never taken further steps to answer this automation as I am fairly certain I do not owe this debt. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: The XXXX account is being reported incorrectly! The account is paid and the agreement made with them was for the " Full '' balance not " less then full balance '' 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This is a new complaint specifically on XXXX XXXX. 
I opened Certificate of deposit # XXXX back in XXXX with SUNTRUST BANK. Original amount was {$32000.00} every year I renewed this CD automatically. Every year I received interest and I received the form to report interest income to the IRS. I am now XXXX years old in XXXX and XXXX I could not do any banking due to health reasons. I started to go back to Suntrust Bank, and when I asked for this CD I was told at the XXXX Branch that I did not have any CD I had others but not this. I kept banking at the XXXX XXXX branch. I approached the bank with this issue accompanied by family members who can attest and every time I was told there will be research and they will inform me. Nothing happened. Finally due to theft from bank employees in my other accounts I started to complain to the XXXX. and then to your office. Lately, I mailed all these forms to your office with copy to SunTrust Bank to the attention of XXXX XXXX XXXX. And as usual got NO answer. I called this morning and you did not get my mailing I have the receipt from the postal office to your XXXX. Please note all other CD inquiries have been addressed or partially addressed by SUNTRUST Bank. But there is no explanation about this CD. It is been many years with no answer. Please help with this issue. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Bank of America vacated my account XXXX and kept the money. I had been trying to close this account for years. Now when I call them they ca n't heip me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX student loans that were transferred from XXXX XXXX to XXXX and they are both XXXX reporting late payments. So I have late payments showing up for the closed XXXX XXXX accounts that were transferred to XXXX and then XXXX is reporting the same late payments on my credit as well. So the same late payments are being reported XXXX from the old account owner and the new account owner. 

Company response: Company chooses not to provide a public response
Consumer complaint: the bankof america has not behaved fairly with an fha loan they can do a modification they say they are there to help but never do anything, I dont know where to go for more help since I am single and no man around I feel they have walked all over me 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I set up a payment with the company ERC and the following week for personal reasons I cancelled my payment.Unfortunately when I cancelled my payment ERC never deleted and still snatched it out of my account.When I called to explain they acted as if I was lying about cancelling my payment.They told me they reversed my payment and in 72 hours my funds would be back in my account.I called up there everyday and they gave me the run around.I heard XXXX different responses from XXXX different people and when they tried to say my bank was holding the funds.My bank had already told me that there was n't anything pending from ERC on my account .When I kept calling ERC back they gave me the run around and kept placing me on hold for periods of time and hanging up on me.It 's going on a week and the funds have still not been placed back in my account all because they did an illegal transaction that I did not authorize. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/16 I authorized an online bill payment through my Bank of America ( BOA ) online bill pay for {$93.00}. The payment was processed and remitted to the intended recipient, XXXX XXXX XXXX XXXX. Two weeks later I received a call from XXXX explaining that my payment was never received and I was being charged a {$37.00} late fee. I called BOA and spoke to a lady in the fraud department who told me " there was nothing BOA could do about it '' and provided me with reference number XXXX ( I attached the recorded phone call. I was told to give that number to XXXX and they will be able to find my payment. I doubted the information would help and explained to the representative that I need more information. Instead, she cold transferred me to another department, where they were so busy they could n't take my call. I spent the next hour trying to reach someone in BOA who could help me. Ultimately, I reached someone in the Bill Pay department who told me that I never sent an online Bill Payment for {$93.00} to XXXX. I told her the amount came out of my account and provided her with the reference number given to me earlier. She stated the reference number I was provided didnt help. She offered to conitnue transferrring me around to other departments. After much frustration and confusion, I checked my online bank account again. I confirmed that on XXXX/XXXX/16 an online billpayment was sent to XXXX for {$93.00} and this time was able to get a Payment ID # XXXX. I 'm not sure why the Bill Payment representative told me that I never remitted such a payment to XXXX. The online banking service clearly states " XXXX : BILL PAYMT ID:XXXX : XXXX XXXX XXXX ID : XXXX. '' Now, my BOA account is minus {$93.00} and BOA has no idea what happened and tells me " there is nothing they can do about it. '' The intended recipient of the payment never received the payment and BOA states it was " never sent to begin with on my part, '' which is obviously inaccurate. I 'm being charged a late fee by my other bank for {$37.00}. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The creditor on my file uses a bi-weekly business model rather than a month to month business model. I contacted Experian to dispute the account reporting of this creditor. The account status was reported as repossessed/never late. I asked for an explanation of this item and Experian stated it would investigate the account status. After conducting their investigation, Experian permitted the creditor to update the status to repossession. The creditor was also permitted to updated the account activities as a repossession in XXXX XXXX and in XXXX XXXX. The creditor was permitted to updated the account activities as a charge-off in XXXX XXXX and XXXX XXXX. The creditor has been permitted to update the account activities as if the events took place over a six month time period when in fact the activities took place over a 31 day time period. The account was opened in XXXX XXXX, not XXXX XXXX. The vehicle was repossessed 31 days after the account was opened and was not late. The creditor was permitted to report fraudulent and inaccurate information after conducting their investigation. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am currently a XXXX student at the University XXXX and have been unable to get my private student loan from Wells Fargo to be put into deferment ( their policies do stipulate that in-school deferment is allowed ). I 've submitted the necessary deferment forms multiple times and have contacted them on multiple occasions, but they will not put my student loan into deferment. I 've been charged late fees, I receive harassing phone calls from Wells Fargo every morning at XXXX, and my cosigner has received threatening letters about repayment obligations and the negative influence of missed payments on credit scores. I do n't know what to do to ameliorate this situation and I would appreciate assistance. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX I had an over due electric bill of {$430.00}. I was incarcerated until XXXX. The billed was turned over to a collection agency. I was paroled XXXX/XXXX/XXXX. I went to have my electric turned back on and was informed I owed them {$430.00} for the past due bill. I paid the {$430.00} directly to the electric company so they would turn my electric back on. I checked my credit report in XXXX and found that the collection for the past due bill was on my credit report from a collection agency. I submitted a dispute via XXXX with experian. I got a letter from the collection agency about my dispute, they said it was a valid debt that I had to pay. What do I do now? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The company is continually calling my XXXXyr Olds cell phone, left a threatening vm that they were going to sue him. I 've called them 3x in regards to this matter stating they have the wrong phone number, and they said it was removed from their files not even asking my name, the number or anything. They are constantly calling and wo n't leave a voicemail. I just want the calls to stop! 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I AM ATTEMPTING TO AVOID A FORECLOSURE SALE. I SUBMITTED DOCUMENTS FOR MORTGAGE ASSISTANCE AND I WAS TOLD THAT MY FILE IS IN REVIEW AND NO ADDITIONAL DOCUMENTS WERE NEEDED. MY SERVICER, WELLS FARGO, CHANGED THEIR STORY TO SAY DOCUMENTS WERE MISSING. A FEW DAYS LATER AND BEFORE I COULD SEND IN THE MISSING DOCUMENTS, WELLS FARGO CLAIMED THAT MY FILE IS NO LONGER IN REVIEW BECAUSE THERE HAS BEEN NO CHANGE IN FINANCIAL CIRCUMSTANCES. I HAVE XXXX NEW ROOM & BOARDERS AND THERE IS IN FACT A CHANGE IN FINANCIAL CIRCUMSTANCES. WELLS FARGO PREFERS TO DECEIVE AND CONFUSE HOMEOWNERS BECAUSE THEY PREFER TO PROFIT FROM FORECLOSURE AND FORECLOSURE FEES. 

Company response: Company chooses not to provide a public response
Consumer complaint: All of the hard credit checks we 're not mine it was all fraudulent identity theft I never applied for any of those loans or cell phone accounts or any of the hard checks we 're not mine I contacted some companies and they said it would automatically come off my credit report and it has never been taken off 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed this information as being fraudulent, not mine or opened by me. They refuse to remove the accounts or reinvestigate the accounts and proof they are mine. 

Company response: Company chooses not to provide a public response
Consumer complaint: This debt was part of a business debt and not mine personally. The date the account was delinquent should be XXXX not XXXX and is over 7 years old. This is an attempt by a collection agency to keep the collection in force by changing the open date. 

Company response: Company chooses not to provide a public response
Consumer complaint: I think it illegal for Select Portfolio Services to " claim / state '' ownership of a debt and report same about that debt while it is and has been in legal proceeding since 2010. The specific being a Quiet Title action taken against XXXX Bank Home Mortgage filed in XXXX XXXX by XXXX XXXX XXXX XXXX. of NY. ( See attached ) This action precludes any possible transfer of " debt '' or " claims of debt '' from XXXX Bank to SPS and thus, makes it impossible for SPS to have any say or standing in the matter. 

there is and has been a QUIET TITLE Action in court with XXXX in XXXX, NY XXXX XXXX XXXX XXXX since 2010 ( decision and Order Number XXXX by Judge XXXX XXXX XXXX ) So how can XXXX transfer something it does not legally own, furthermore, how can SPS claim to have rights? let alone publish such rights without legal standing? 

this is clearly criminal and potentially Identity theft XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am lodging this complaint because Experian has refused to adhere to my request of providing me with the documents that they have on file that was used to verify the accounts that I disputed which in my eyes has not been properly verified and according to Section 611 of the FCRA they are required to delete any information that can not be verified that I disputed. Please resolve this matter as soon as possible. Thank you 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We have contacted Wells Fargo ( XXXX lien holder ) in an effort to postpone foreclosure XXXX XXXX XXXX, 2016 XXXX on our home. We have been waiting for a payoff notification from Wells Fargo after repeated attempts to obtain it from them so that our XXXX lien holder ( SLS ) can approve their part of the short sale process. We have not been acknowledged through Wells Fargo for our requests and the requests of our Short Sale Title Agent XXXX XXXX. We have an open contract for the short sale and are currently being held up by Wells Fargo because they would rather foreclose on our house rather than sell it to an approved buyer. 

Company response: Company chooses not to provide a public response
Consumer complaint: We received a debt notice from a collection agency related to a XXXX we had applied for but did not receive indicating that we owed {$250.00} which should be mailed to them. We contacted XXXX Rewards Card and they have no record of this and advised us to submit a complaint. 
The collection agency is listed as : XXXX XXXX, XXXX XXXX XXXX, XXXX, OK XXXX, Phone XXXX. I have not been able to reach them on the phone, and I will not contact them as I 'm certain this is a scam. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Twice an anonymous male-voiced computerized message has been left on our answering machine, the first time about a week ago ( XXXX/XXXX/2015 or XXXX/XXXX/2015 ) and again this morning ( XXXX/XXXX/2015 ) at XXXX. The voice does not give the name of the person intended to receive the message, and it identifies itself only as " Consumer Judgment. '' It says that the recipient should call an XXXX number as soon as possible to avoid further action. The number given to call is XXXX. We did not call this number. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: In the attached document in additional information. The response is not clear, on who has my debt. it appears, that someone or a another company has the debt, that are not to have under law. Who has the debt, why did they not notify me that they have the debt, and what if any giving information to any other entity. What other companies have a hold on this debt, has ti been sold and resold to other companies, if so, they have violated several federal laws and XXXX XXXX Laws. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My father and I are on a FHA home mortgage through U.S. Bank. Having fallen behind on monthly payments due to a loss of income due to the separation between my son 's mother and I, my father and I began talks with U.S. Bank representatives for their loan mitigation services XX/XX/XXXX. Since that time, we have not made any progress with the loan mitigation as far as a resolution, and have even used XXXX separate " relationship managers. '' Around XX/XX/XXXX, they denied our request andsent us to foreclosure, informing us that we could no longer make monthly payments. Soon after, we re-applied, were accepted, and began talks with our XXXX relationship manager. We resumed monthly payments until XX/XX/XXXX. Again, after much deliberation on the part of U.S. Bank and our then relationship manager, we were sent once again to foreclosure, due to claims that we did not provide proper income verification. We applied yet again XX/XX/XXXX, were once again accepted, but during the same week, were served with court documents from U.S. Bank as plaintiff in regards to the foreclosure of our home. WE are unsure as to whether we are being placed in foreclosure or continuing with loan mitigation. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Income execution ordered on a debt I have relentlessly fought to object over 15 years. Debtor has used tactics in the past over the phone that were threatening and has on multiple occasions used the threat of jail time to secure payment. I do not know nor recall owing any debt to this company however every year since 2004 they have been harassing me. I would like Pressler and Pressler to cease and desist. Also, they should vacate the income execution order. I am unable to provide sufficient representation to fight this matter. I am therefore request your assistance and direction in the effort to oppose this matter. It is causing XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America had our mortgage when I lived at XXXX MI XXXX. Bank of America was fined by the USA for unfair mortgage practices. The United States government had to decide whether to bail them out or shut them down. The government bailed them out because their unfair mortgage practices ended up with thousands of unfair forclosures. Bank of America sent me a settlement check for the unfair mortgage issue on that house. I had already moved to XXXX XXXX, XXXX XXXX XXXX, MI XXXX. That is where Bank of America mailed the check to. The city of XXXX MI had bought the house at XXXX , MI XXXX from Bank of America . Then the city of XXXX sold the house. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My credit score has gone down by XXXX points in 6 months. I have no open credit cards. I have had NO cards for over 10 years. I am trying to discover WHY my score keeps dropping? Last summer it was XXXX. Yesterday via, XXXX XXXX, it lists at XXXX! 
I am a small business owner and I 'd like to determine my correct credit standing. 
There is an old utilities bill on my report that I disputed months ago. The agencies required ( XXXX ) hard copy proof of ID and residence which I sent. I never heard back except with the same report. They did not address the inquire. They also stated I had excessive numbers of inquires. That 's ca n't be the case except for VERY recently with one last month and one last week. These are my very first applications for credit in over 10 years. What else would constitute a inquire if it does not come from an application I fill out myself. There reports are hard to read, in super small and " XXXX '' like format on the printed page. It would be appreciated if they could update their report layout for better clarity and understanding.They do n't address your questions and bog you down with copies. 
I 've lived at the same address for over ( 6 ) years and have not applied for more than ( XXXX ) lines of credit. Only XXXX was a CC and that was only yesterday. The other was with a XXXX to XXXX loan that turned me down. 
The utility is has been on my report for ( 6 ) years. 

Thank you, 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: One day past due and they will call every 2 hours. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Yesterday, DriveTime called every 2 hours starting at XXXX I placed a complaint. Today they started a XXXX and then again XXXX. I am not even 24 hours late on my payment. This is excessive and annoying my goodness I 'm at work and I know why they are calling. When I get off work I will take care of it. They need to learn positive collection practices, ticking people off is one way they loose customers and have so many repo 's. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Credit reporting agency selected someone with my same name that was involved in XXXX court cases. I lived at the same apartment complex but in a different apartment XXXX. Confirms with attorney 's office and court clerk this was a different person. I need this off of my report! Thank you!! 

Company response: Company chooses not to provide a public response
Consumer complaint: Glennon Law Firm LLC was hired by XXXX XXXX to collect on a debt that they claim that I owe, when contacting them they wont answer the phone, send me to voice mail, then they will answer the phone and not say nothing and hang up. When speaking to them they wont answer any questions, they refer me to contact eagle finance, then when i call eagle finance im told to call glennon law firm.its noting but a bunch of run around hassle. 

Company response: Company chooses not to provide a public response