AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Trans Union continues to bully and cripple my ability to even move or prove to a business I 'm me. As Trans Union has changed the placement of my name 's switch last, middle and first on their reports to companies then Trans Union deletes my first name and gives me to last names. All because Trans Union wants to violate my rights of privacy demanding I send them my Government issued and personally paid for State ID and they have no rights to my SSA card or State ID/ License. So Trans Union claims that they got the illegal fraud report on my name from XXXX or XXXX. Yet for the history of XXXX & XXXX under my SSN My name is as it is on my ID which is XXXX and not XXXX XXXX, or any other version that ONLY Trans Union is doing. I have less than 50 days to move as the home I 'm in is sold, but when I apply other places Trans Union malicious actions and reports deny the rights to my own name & SSN as if Trans Union is the government agencies that issued me my SSA card number, birth certificate, and government issued and I paid for documents. Trans Union needs to stop this holding my own private personal information in error by malice and cease w/ all reporting of fraudulent data that they know the other Credit agencies are not. Trans Union has been doing this to me for over 16yrs now always demanding my personal ID and SSA card which I have the right to refuse, but gives them no right to use defamation and retaliatory actions to bully or try and force me to give up my rights. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is my second compliant. I keep getting stall tactics & alternate methods of not being held accountable. I have sent the credit bureau all the information from my direct dispute with the data furnisher and the CRA has ignored my request to remove items which are being reporting inaccurately, are unverifiable, are incomplete or are untimely. I 've sent them correspondence through CFPB & via certified mail & still they 're claiming they dont have enough information to remove the inaccurate information. I 'm resubmitting my request to have these items removed from my report based on the FCRA. I 'm including everything which demonstrates my timely response & methods used to verify the accounts which they claim to have verified ... The following accounts have not been able to provide me with any information these accounts belong to me nor have I received anything reflected they are reporting correctly : 1. XXXX XXXX XXXX # XXXX Please delete 2. XXXX XXXX # XXXX Please delete 3. XXXX XXXX XXXX # XXXX Please delete I would like them removed immediately!! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I demanded verification/validation of account status, amount, original creditor and copy of the contract. I demanded removal of unauthorized inquiries on my report. they refuse to validate/verify accounts and inquiries and they refuse to delete incorrect information and are causing great harm to my ability to obtain credit. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I disputed with Experian about an account with XXXX # XXXX and they claimed they verified it, This acccount does not belong to me!! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My name is XXXX XXXX. I own a home at XXXX XXXX XXXX XXXX XXXX XXXX Texas this house was bequeathed to me by my grandmother our family has owned it for XXXX generations. 5 years ago my Husband, who is serving a XXXX in the texas prison system, filled out an application using my name and my credit and my home and received a XXXX line of credit under the rules of a home equity loan from XXXX XXXX XXXX. He closed on this loan without advising me anywhere along the way. I never signed the application, the approval, the closing documents, I never received the cash nor did I attend the closing. They were all forged. I was not aware of this until the loan was transferred from XXXX XXXX XXXX to XXXX mortgage servicing llc. When he did not make payments on the loan., I attempted to explain this to XXXX . They took a application for a loan modification and said they would look into it. 60 days ago, after stalling for 2 years, they sold the loan to BSI Financial Services XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX. BSI stated they would never give a loan modification. I filed the paperwork to apply for a modification anyway and they processed it. Without sending any notification I writing to me, they started a foreclosure against my home with a sale date of XXXX XXXX, 2016. When I asked my case manager why he did this, he stated that they turned me down for a modification. When I asked for an appeal process he ignored it. I was not allowed to go through the process of appeal per the 30 day rule. I sent a new package int XXXX XXXX and while it was in process he stated that they were going to foreclose regardless, but they would look at the paperwork. Today I received a letter that even though they were in violation of the dual tracking rules. I told the case manager, XXXX XXXX, about the violation and they said they did not have to follow it, I mentioned that I never got a judge 's order recorded to allow the home to be foreclosed on and he stated that BSI stripped the mortgage and and did not need any permission to foreclose. 
this violated the Texas rules of civil procedure, the Home equity lending rules and the CFPB law about dual tracking. he would not even discuss the forgery. this complaint conerns the original application and forgery the settlement process of this loan without me signing or being present, the modification process and the foreclosure process. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been working since 2009 to work out a Load Modification with Flagstar Bank. Despite having income to support a refinance they have ignored multiple Modification applications, spent months requesting the same monthly information for 5-6 months without progress on the load mod only to deny the mod. Insurance money received to fix the roof on the house they took and still have not provided to fix the roof despite multiple applications. I have also been ignored by flagstar and their lawyers when asking about status or progress of loan mod requests. And despite pushing to make some progress on a loan, or mod it has been 6 years and flagstar continues to drag out the process and delay or ignore any requests I make. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an account with US Bank. On Tuesday morning ( XX/XX/2016 ) I checked my balance online, it was {$92.00}. On Wednesday morning ( XX/XX/2016 ) I checked it again and my available balance ( including pending transactions ) was - {$0.00}. There were XXXX transactions pending ; {$55.00}, {$22.00}, {$12.00}, and {$10.00}. I knew the {$10.00} was going to turn into {$14.00} because of a {$4.00} tip that would be added to the initial transaction and transferred enough money from XXXX account to cover this. I accept full responsibility for being overdrawn. I thought the {$55.00} transaction had gone through a couple weeks before, but the company waited to charge my account until the product had shipped. I assumed I may be charged a overdraft fee for this mistake and rightly so, but instead I was charged XXXX over draft fees. No matter what order they would have paid them in ( largest to smallest, smallest to largest, or the just the order they were received ) only one should have put my account in the negative. Again all XXXX transactions were still pending when I transferred money to cover them. Also, when I opened the account I was adamant about signing the paperwork so that the bank would reject transactions if there were insufficient funds. US Bank informed me that they considered all XXXX transactions overdrawn and they would not rescind any of the overdraft fees. I believe this type of unfair, unethical policy is why the CFPB was created and would like its help in getting XXXX of the for overdraft fees rescinded. Thank you 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Debt is unknown to me and cci can not provide details regarding debt orgination or dtails of the type of debt 

Company response: Company chooses not to provide a public response
Consumer complaint: My report said I have a mortgage loan n a car loan out n I have neither 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The first complaint involving merchant XXXX XXXX XXXX and XXXX XXXX XXXX Experian Credit Reports produced results as follows : ( 1 ) CFPB assigned complaint number XXXX and did make contact eventually with the above-mentioned credit reporting agencies ; ( 2 ) On XXXX/XXXX/2016 merchant XXXX XXXX XXXX only acknowledged the above-mentioned complaint as an 'inquiry ', wrote consumer that contact was made with appropriate consumer reporting agencies and ask them to " Remove the dispute message that appears on your credit file '' ; On the same date correct information and restored FICO score resulted on consumer credit report ; ( 3 ) On XXXX/XXXX/2016 merchant XXXX XXXX did 'knowingly, willfully, and fraudulently commit the same violation as previous complaint by removing the revolving credit value from consumers credit card with XXXX balance and purposely replaced the PAID status with that of UNKNOWN. This scheme is repeating itself in a manner that deserves elevation to congressional level. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX. In 2013 I had renters staying in my home for 3 years. When they moved out I needed time to get the place ready to re rent. I chose to do loan modification. Because I am a XXXX XXXX. My husband and I needed to clean the place mow the lawn spray for termites and fleas as it was infested and paint. a company was hired by XXXX called altisource solutions. They broke into my home, they broke sliding glass doors to the kitchen, theback sliding glass doors, the front door, and broke the locks both regular lock and deadbolt off the door and replaced the regular lock and a lock box. This make the property less secure. Once inside they left a sticker on the window and when we called the number had been disconnected so we called the police. They started charging fees. Meanwhile we were in the middle of going through a mortgage renegotiation because it was so high. The home was not vacant nor was it in foreclosure and they had no rights to the property. For 2 years we have been asking to get this resolved! We filed a police report. We called many times only to be told to call and speak to our " relationship manager '' which is a joke as we have had so many of those we cant count. They have added and refuse to remove their " Maintenance '' fees which they never provided any maintenance. Today altisource called stating they tried to contact us in XXXX of 2013 by mail. ( never happened ) and gave me crazy off the wall phone numbers they said were supplied by us LOL! ( I know my own phone numbers and they have n't changed in 2 years ) Yesterday the guy called me and asked if I was the guy who was supposed to be helping me from XXXX. When I said excuse me? He said oh " this is n't XXXX? I do n't think I sound like a XXXX .... He offered to fix the damage and add it to my loan. Can you imagine? His company broke my property and he will buy materials and contract to fix it and charge it to me to pay for so I get XXXX twice. What a happy ending. I pray no one ever has to deal with XXXX or altisource solutions as they wolves in sheeps clothing pretending to be helpful all the while and XXXX as soon as you turn around. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened my Club Carlson ( US Bank CC ) in XXXX '14 since friends gave the service and travel perks such high regards. The most important benefit this CC offered was the " Bonus Award Night '' after paying the annual fee and was of such great value to my family and I that we shifted our hotel stays to align with this company. We used this benefit multiple times with no complaints and felt we always received good customer service at all the locations. When I signed up for this card and paid the annual fee I was certain I would be receiving all of the benefits of the personal card for the entire year. But I recently found out they were doing away with the " Bonus Award Night '' as of XXXX and am strongly reconsidering my hotel loyalty due to the abrupt nature of this change and the radical change within the entire awards system. I had been planning future trips around the hotels within the award system but am not so sure if I want to spend the funds knowing another drastic change may be around the corner. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have sent Numerous notices to XXXX to delete the inaccurate accounts they could n't verify or Validate to me. This account is not mine & need to be delete from my credit report. Experian is causing me damages by reporting this negative account which is stopping me from moving forward in the world of commerce. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX is saying no is no past due balance on my account 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had no insurance and was XXXX and given pills I did n't need and forced to stay against my will then charged for it 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I apply for annualfreecredit report, your website said i received my credit report that not true? if could you provide me with the date and what address you sent it to? I have n't receive a credit report this year nor have i submitted a application for until today. XXXX XXXX, 2016 Friday 

Company response: Company chooses not to provide a public response
Consumer complaint: I needed to dispute inaccuracies on my credit report. I went to Experian 's file a dispute site. I was able to login and verify questions and begin my dispute. In the middle of performing my dispute the browser froze and when I attempted to reload the page it would not reload. So I attempted to start the process over but it gave me a set of verification questions that does not apply to me. I selected they did not apply. I then was locked out of accessing my credit report. After numerous calls they provided me with XXXX number. XXXX did not understand why they did that. So I contacted Experian tech support again and after the 3rd try they advised it was due to me being locked out. They said they could not fix it and I requested to speak with a Supervisor. I spoke with XXXX, XXXX ID XXXX, who was unwilling to assist, unwilling to take ownership, unwilling to get someone on the phone who could help. She only provided XXXX which was a complete automated system no matter what IVR option was selected. I then found XXXX online and spoke with a XXXX. They advised they could mail a report which I already requested but would take 10 business days. I advised I could not wait that long due to attempting to buy a car. I requested that the report be overnighted due to a system error. The representative advised that it is a {$20.00} charge. I requested it be waived due to system issues on Experian 's side. They representative refused to do so. I request a Supervisor whose name was XXXX with XXXX XXXX. I was instead transferred to voicemail. I called back 5 times requesting to speak with a Supervisor and every representative refused. Thus I can not access my Credit information, credit repair companies can not pull the information either, and Experian is not being cooperative nor willing to further assist in resolving my issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a collection notice from Riverview Law Office stating that I was overpaid by my former employer ( XXXX XXXX XXXX ) by {$13000.00}. I am unsure if this is a lawyer representing XXXX or if they are a collection agency that XXXX sold this misinformation to. 

Reading their letters, it seems they are being intentional about trying to blur if they are a lawyer representing XXXX or a collection agency. 

To gain clarity on who and what I was dealing with, I sent them a certified letter disputing the alleged debt, asking for proof of this alleged debt, and verify that they were licensed to collect debt since I could n't find them online. 

I attached the letter but here is what I asked for- -Provide me with copies of any papers that show I agreed to pay what you say I owe ; -Provide a copy of judgment stating I am responsible for this amount ; -Show me that you are licensed to collect in my state ; and -Provide me with your license numbers and Registered Agent. 

Riverview Law Office sent a letter the next day with an Excel spreadsheet I could barly read that only listed XXXX claiming overpayment of {$13000.00} and no actual information on how the amount was calculated or what pay periods were that I was overpaid. Riverview Law Office, PLLC did not include any information on them being licensed to collect in MN and no license number. 

Both letters they have sent warn me to get an attorney. 

There is no documentation or order stating I do owe XXXX {$13000.00}. 

They also did not provide the requested license information so for all I know, they are not collecting for fairview and this is all a sham. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My mother and I own the home together. I am in a treatment facility for a minimum of 120 days and no longer am able to live in the home with her. However, she would like to stay living in the home and take over the payments. But, I must be taken off of the loan in order for this to happen. Otherwise, the home will need to be vacated completely by both customers. 

Company response: Company chooses not to provide a public response
Consumer complaint: I Have never been employed at XXXX XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: GE Capital declined a loan application for a Bobcat vehicle on XXXX/XXXX/2015. They have repeatedly and consistently refused to provide me with information about why they declined this application and where they got any information they used to decline. They financed an identical machine for me about 6 months earlier. One of my local bankers checked my credit report the same day and reported that my FICO score was XXXX, as it should have been at the time, and that there were no derogatory comments listed. I 've received XXXX communications from GE CAP. 28 days after the decline they senbt me a letter stating that if I wished to know why they declined I would have to send them a written request. I did so even though Federal law requires them to have notified me of the problem within 30 days without any action on my part. I received no further communication from them until I filed an internal complaint with GE through my payment contact. I then got a letter two days later stating " Delinquent past or present credit obligations with others '' and The decline was based on limited and poor credit on the company not your personal credit. " They provided no further information as to where or how they have gotten what must be incorrect information. I can not fix the problem when they refuse to tell me where it came from. They 've refused to respond to repeated emails and there is no phone number to reach those people that even internal GE CAP people can find. I 've been told that all I can do is snail mail the address the letter with no useable information came from. And I get no response. GE CAP has consistently and repeatedly refused to comply with Federal law by refusing to tell me where they got information which they used to decline this credit application. 

Application # XXXX Date XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This company continues to call my unlisted phone number. I am on the do not call list. I do not owe any debts. They have been calling repeatedly. They did something similar a few years ago with a different number when I did not owe any debts. When I called them at that time they tried to obtain my personal information like my social security number. I would not give them the information and evidentially they quit calling. They have started calling again on my new number. They are probably calling the wrong person again but I am tired of this company repeatedly calling me when I owe no debt. I have a credit rating of XXXX. When they call it is a recording and there is no one to tell to quit calling. I would like to have the harassing phone calls stopped. They need to find the correct phone numbers when they are calling for a debt 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I sent several dispute letters regarding several accounts that are being reported inaccurately with late payments even though I pay everything on time. I sent letters to the bureaus Experion, XXXX, and XXXX. They have written back to me several times promising that they have done research and have fixed the reporting. However, there are no actual changes in the report. This has been going on for several months and they seem to be ignoring the mistakes. They have not provided me with any documents proving these late payments are accurate. Please make sure they delete the status immediately on the following accounts : XXXX XXXX XXXX account- # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX and account # XXXX, XXXX XXXX account XXXX XXXX and account # XXXXThere is also XXXX account which all three bureaus must have realized the late payments were incorrect and deleted it. However, XXXX suddenly started reporting the late payments again. This account is : XXXX- account # XXXX 

Company response: Company chooses not to provide a public response