AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX XXXX, 2015 Transunion Information Services received documents for the purpose of establishing the fact of forgery, in addition to request the accounts be blocked pursuant but not limited to section 605B of the Fair Credit Reporting Act 15 U.S.C. 1681C-2. I received correspondence from Transunion that is confusingly pleaded. ( See : Attachment A ) The company has denied my private right to remedy as a victim of identity theft. Transunion has failed to go beyond a cursory investigation into this matter. Moreover, the XXXX Circuit Court of Appeals recently confirmed that a reasonable reinvestigation " must mean more than simply ... making only a cursory investigation into the reliability of information that is reported to potential creditors. See : XXXX v. Trans Union, XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ) ( citing XXXX, XXXX XXXX XXXX ). Additionally, all relevant documents were sent to Transunion to provide proof of claim such as ; an official police report, FTC Affidavit, FTC Complaint number, US Postal Inspectors ID Theft Report Number and proof of Identity. I request a reinvestigations of the following information pursuant but not limited to the FCRA 611 ( 15 U.S.C. 1681i ) ; XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXXThe referenced accounts were made without my knowledge, consent, and or authorization. I never signed nor endorsed any contracts or applications that created any accounts for debt service with the listed corporations, agencies, or companies. I have received no benefit or value from the proceeds of the endorsement ( s ), contract ( s ), application ( s ) and or the listed account ( s ) directly or indirectly and I request the accounts to be blocked pursuant but not limited to section 605B of the Fair Credit Reporting Act 15 U.S.C. 1681C-2. 

Company response: Company chooses not to provide a public response
Consumer complaint: Frederick Hanna and associates continues to get summary judgements on cases without getting hearings by judges even iif request hearing in writing to judges, wonder if judges are more in agreement with Frederick Hanna than the defendant in all cases? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX BANK is not factual and after I paid debt I was promised of removal. 

Company response: Company chooses not to provide a public response
Consumer complaint: I just applied to consolidate my private student loans via CommonBond. I filled out quick application which required a " soft '' credit pull to see if I would be eligible for a loan with their company. I agreed to the application terms and the result was that I was qualified for a consolidation loan with an interest rate from around 4 % - 6 %. Then I was asked by CommonBond to do a " hard '' credit pull to dial in on the exact interest rate for my loan. After receiving the first confirmation from my initial application I was led to believe that the second credit pull was a routine task that would finalize my loan. 
Instead of getting my final interest rate and terms, I was denied and told I needed co-signer who makes more than {$80000.00} per year. Unfortunately, I do n't have access to a co-signer who makes more that {$80000.00} per year. Had I know that there was even a mild chance that my application would result in denial and/or a co-signer requirement, I would have not risked applying. 
I went back and read through all the literature in the process before I clicked on the hard credit pull. It definitely is presented in a way that easily leads applicants to believe their initial credit check approves your loan and that this final credit check just figures out the final details of a pre-approved loan. 
I am very frustrated with my experience with CommonBond. The end result is major damage to my credit due to indirect and misleading information from Common Bond 's initial application process. 
If I was provided the proper loan eligibility information prior to my hard credit loan request, I would not grant CommonBond proper authorization to pull my credit report. Unfortunately, CommonBond 's credit pull was completed under false pretenses. 
I send XXXX messages to CommonBond explaining how I was misled by their application process. I requested that they contact the XXXX major credit reporting agencies and request to remove the hard credit pull on my file. They have refused to do this and also refuse to accept any fault in this process. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There is a judgment on my credit report that was dismissed. It should not be showing up. Attached is a copy of the documentation direct from the XXXX County Clerk of the Courts Office. 
I have written a few times but the credit bureau will not remove it. Please help, I am unable to get a mortgage approved because they will not fix it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a loan with International City Mortgage ( ICM ), serviced by XXXX. I have an escrow account to save monthly for County ( Property ) Tax and Hazard Insurance. On my Annual Escrow Account Disclosure ( dated XXXX/XXXX/15 ) I noticed a withdrawal from my escrow account in the amount of {$220.00} for " Misc Escrow '' back in XXXX 2015. I received no notice that this amount was being deducted from my escrow account. I do not know what this withdrawal is for ( ICM / XXXX provided no notice or accounting of the {$220.00} they " stole '' from my escrow account ). I contacted XXXX to find out about this withdrawal ; they said that it was paid to the mortgagee, ICM ( per XXXX XXXX of XXXX ). The XXXX $ due to ICM, that I am aware of is the monthly mortgage payment ( they have no business taking $ out of my escrow account ). I asked XXXX XXXX why, and he could not answer other than the $ was their 's to take. I asked for a full accounting and reason for the deduction. XXXX XXXX said XXXX would do that, but has not to date ( several weeks ago ). I would like the {$220.00} that was stolen from my escrow account by ICM and/or XXXX returned. ICM / XXXX has not provided any notice for the withdrawal or legitimate reason for doing so. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I disputed a account with Kansas Counselors of K collection first on a recorded line and I also requested for validation of the debt to be sent over to me. A few months went on still nothing. Then when I spoke with Kansas Counselors debt collector XXXX she gave me so much inaccurate information regarding the file they alleged I owe for a hospital in the amount of {$510.00} they stated that they never did send out the validation, they sent it out a validation but it was for a different account. The debt collector XXXX kept stating to me she never seen anything about a dispute and that still have a balance and they ca n't remove it when though I told her I was working the day the collection agency is stating that I was seen at the hospital. She never tried to help me find other options as to going about and getting this resolved. I feel that they agency is doing is not collecting under the Fair Debt Collections Practices Act and it is unfair for consumers like myself. Please help me in regards to this matter. 
Thank you for your concern of this situation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There is a judgment on my credit report that was dismissed. It should not be showing up. Attached is a copy of the documentation direct from the XXXX XXXX XXXX XXXX XXXX Courts XXXX. 
I have written a few times but the credit bureau will not remove it. Please help, I am unable to get a mortgage approved because they will not fix it. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a negative mark on my credit report which is untrue and needs to be removed. I 've contacted the company several times via postal mail but have, to date, received no response. This debt was satisfied via having my wages garnished. 

Company response: Company chooses not to provide a public response
Consumer complaint: Around XX/XX/XXXX or XX/XX/XXXX, I banked with Wells Fargo in XXXX, Az. I had checking, savings, and credit card accounts. I was a college student and my tuition status changed from out-of-state to in-state and so the amount of my financial aid checks significantly increased. At this time, I thought it would be a good idea to try to build credit history by putting a number of charges on my credit card and then paying it down when I received my next financial aid check. 
However, XXXX semester, after I had made a large payment from my checking or savings account to my credit card account, I noticed there was still a lot of money in my checking or savings account. I went to the Wells Fargo at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX and asked a bank representative where this money came from. I was told that since I had made a credit card payment that far exceeded the minimum payment, some of my payment was put back into my checking or savings account. I did not complain or ask that it be reapplied to my credit card account. 
At the time, I was not aware that cash advances carried a larger APR than purchases. It was some time afterwards that I realized this and recalled this incident. In XX/XX/XXXX or XX/XX/XXXX, I began requesting from Wells Fargo credit card and bank statements from that time period around XX/XX/XXXX to XX/XX/XXXX. I do not recall exactly when the incident had taken place and, after examining the statements, I still could not narrow down when this cash advance had taken place. At this point, I had been paying interest on hundreds of dollars of cash advances. 
It was around this time that I noticed that my credit card statement no longer showed a balance for cash advances. To this day, I have a XXXX balance for cash advances. 
I have been hesitant to bring up the whole issue with Wells Fargo for fear that the cash advance balance will return to my credit card. I do not know how much interest I paid over the years for the cash advance balance so I do not have a dollar amount that I am looking for in compensation. 
Also, Wells Fargo has asked a number of times if I would like to close the credit card account and open up a line of credit at a lower APR. I have been hesitant to do this as well, as I am unsure if that will erase any records of all this. 
Like I stated above, there is not a dollar amount that I am looking to be compensated. My intention in writing this is to inform a regulatory or consumer protection agency of this incident, in case it has happened in the past or is still occurring, and to find out if, by closing my credit card account and opening up a line of credit, it will somehow erase a record of these issues. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX has a collection on my file that is outside the statute of limitations as provided by federal law. I have enclosed a copy of the Trans Union file that shows that the last payment I made on the account was XXXX. I disputed this in XXXX and Trans Union violated federal law by leaving this on the file. 

Company response: Company chooses not to provide a public response
Consumer complaint: I use to have XXXX, I cancelled them because I sold my house and moved to where they do n't offer service. I returned all my equipment to XXXX store and was told to wait for my final bill to reflect the equipment being returned. I never received any final bill, I even had mail forwarding on. A month later I received a letter from a collections agency named Kenneth, Eisen & Associates, Ltd. I contacted them and told them that I had not received my final bill and the guy said it was sent over to them. I asked him if it would go on my credit and he stated since I paid it immediately in full that it will not go on my credit. Here its years later and its affecting my buying my house. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Bought vacation package by paying with Citi credit cards, had problems with merchant and disputed the transaction. After a month Citi cards wrote me official letter stating they can not help me with my dispute. Spoke with many supervisors but noone seemed to care about my problem and just told me to deal with merchant myself. Never had that kind of issue with XXXX XXXX or XXXX card. 
Very horrible way to loose a loyal costumer. 

Company response: Company chooses not to provide a public response
Consumer complaint: By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: COLLECTOR FAILED TO VALIDATE SAID. I DO NOT OWN SAID DEBT AND KEEP ATTEMPTING TO COLLECT IN VIOLATION FCRA, FDCPA AND TCPA. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Shellpoint delivered personal and confidential documents by mail and by messenger to a renter at our home and told our renter that Shellpoint was unable to find or locate XXXX XXXX regarding a delinquent mortgage. The billing address for this mortgage is Pennsylvania. They never once made a call to us prior to sending messenger or certified threatening letters. They took double payments from my checking account on XXXX, which I thought covered XXXX and XXXX payments. 

They violated confidentiality laws and my rights by speaking and handing docs to someone other than me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX/XXXX/2015To : Whom it may concernFrom : Wells Fargo CustomerPlease be advised that if you deposit a check into your Wells Fargo Account, they ( Wells Fargo ), has the authority to place a HOLD. A hold is just what it means, hold, in short it will not be available to you to spend, they can hold it for a day, week, and longer. 
Do n't worry if it 's a {$20.00} check it will most likely run its course and will be ready for your use within a day, or sometimes that same day. 
Summary ; I made a deposit on the XXXX of XXXX, Wells Fargo placed a hold on the check until the XXXX of XXXX, not a big deal but it is a little more than {$3000.00}, I need this money to pay bills such as health insurance, utilities and so on. Mind you that Wells Fargo cashed the check and have withdrawn the amount from the bank from which it was wrote. The individual that wrote the check I had called her and asked if she had put a hold on the check and she said no, looked it up on her account and Wells had taken the money from her account on the XXXX of XXXX, 2015. 
Although Wells Fargo is legal in what they are doing but think holding a check for weeks is not right, they are using my money while I sit here and ca n't do a darn thing about it but wait. My insurance will be cancelled, power will be shut off, do n't have money for groceries, pay credit card and so on, this is unreal, banks although legal, and they are greedy and not very responsive to customer needs. 
In short you are at their mercy until they decide the time is right, one would have to assume they must be cooking their books if they need to place holds on checks so they can use the money for their own issues. 
I can only recommend you do n't deposit large checks into any Wells Fargo checking, and or savings account. You may not have access to this money until such time they ( Wells Fargo ) can reconcile their books. 
Last note my account is in excellent standing, and have never had a bad check deposit! 
Very Sadly, Well Fargo Customer 

Company response: Company chooses not to provide a public response
Consumer complaint: these is a follow complain from complain XXXX filed XXXX after XXXX XXXX XXXX transfer the loan to SLS, I 'm still disputing the amount of the debt and try to get the servicer compliance with california code XXXX. I hire XXXX XXXX attorney on XX/XX/XXXX he file bankruptcy because SLS, send me to foreclosure without validating the debt, did not consider me for modification I been ask every trustee for full accounting on these debt, but these people its hire just to sale the property they do n't know a true from. a factual matter.another problem its the county records aloud this fraud to continuing to happen they record fraudulent documents its well know the notary and trustees are creating false document. 
the servicer SLS its been sued for my attorney case # XXXX. XXXX its the new trustee before was regional trustee then, XXXX XXXX and now these trustees are in federal investigation ( all ) for fraud and they keep filing notice of default without been compliance with California code 2923.5.I went to public records to file a notice of non compliance with ca 29623.5 they did not record my document. 
I m an inversionist I sign a contract for a loan where a lot of people bougth a piece of paper ( bonds ) and treasure department gave them discharge of the note. the Banks and lender are getting rich and they still sending people to foreclosure. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have request for this company to validate the debt that they claim I owe and they have failed to provide me with any supporting documents. Again, this violates my rights as a consumer.The FCRA, is very clear with that any consumer upon request is entitled to full validation of debts they are accused of owing. I will be contacting the XXXX Office as well as the FTC at this point. This is a violation! 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: This is an attempt to amend my complaint number XXXX by adding my telephone numer. Number was omitted in first complaint. 

The debt for which I am being constantly harassed is my son 's wife ' s debt. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I PREVIOUSLY DISPUTED TRANSUNIONS DELETING XXXX CLOSED POSITIVE ACCOUNTS .UNDER THE FCRA THEIR ACTIONS ARE SUPPOSED TO BE REASONABLE RESULTS OF INVESTIGATIONS.IT IS NOT REASONABLE THAT I WOULD BE DISPUTING MY CLOSED PODITIVE ACCOUNTS.I CAN NOT CONTACT THOSE CREDITORS BECAUSE THEY WERE DISCHARGED IN THE BANKRUPTCY AND THEY DO NOT REPORT ON THE CLOSED ACCOUNTS, BUT THEY HAVE NO PROBLEM REPORTING ON THE NEGATIVE ONES.I SPOKE TO SOMEONE AT EXPERIAN AND SHE TOLD ME SHE DELETED THE ACCOUNTS BECAUSE THEY ALL HAD THE SAME ACCOUNT NUMBERS AND SHE DID NOT KNOW WHICH ONE WAS IN DISPUTE SO SHE ASKED THE CREDITOR DAYMET CREDIT UNION AND THEY SAID TO DELETE XXXX ACCOUNTS BEFORE THEIR EXPIRATION DATE.I ALSO DID NOT DISPUTE MY CBNA ACCOUNT BUT THEY DELETED IT ANY WAY.I AGAIN DISPUTE THAT IT IS AN UNREASONABLE ACTION FOR THEM TO DELETE CLOSED POSITIVE INFORMATION.UNDER THE FCRA I AM ENTITLED TO A FAIR AND ACCURATE REPORT.HOW CAN IT BE ACCURATE IF THEY DELETE INFORMATION FROM IT.I HAVE DISPUTED BEFORE AND DAYMET IS IN VIOLATION BECAUSE THEY HAD 5 DAYS TO INFORM ME OF THE DISPUTE AND I NEVER RECEIVED ANYTHING FROM THEM.THEY WANT TO HIDE BEHIND MY BANKRUPTCY DISCHARGE BUT IGNORE IT WHEN DELETING MY ACCOUNTS AND REPORTING LATE PAYMENTS DURING A CHAPTER XXXX.I HAVE DISPUTED WITH BOTH ENTITIES AND THEY HAVE VERIFIED INACCURATE INFORMATION. THEY DELETED THE FOLLOWING ACCOUNTS ENDING WITH XXXX, BEGINNING WITH XXXX, NO ACCOUNT NUMBER BUT A LINE OF CREDIT WITHA STATUS DATE OF XX/XX/XXXX.ALL POSITIVE ACCOUNTS BEFORE THE 10 YEAR REPORTING DATE. 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife and I have a Sears credit card issued by Citibank, my wife is the main user on the account. We purchased a washer and dryer on an interest free finance option over 1 year and paid it off ahead of time. The minute we paid off the Sears balance, Citibank started calling our home phone number claiming I owed them money. 

We have told them many times we do n't owe them anything and asked them to not call our house again to no avail. I went to a local branch of Citibank and explained the situation and a representative from the bank told me they do n't handle Sears accounts but called the number Sears gave me to call while I was there. I spoke with a person by the name of XXXX, who would n't give me her last name ; I gave her the last XXXX digits of my social security number and she verified I do n't owe them anything, that the information they had was for another person and they would remove my home phone number from their calling list. 

They have continued calling me on daily basis, sometimes several times a day. They have been told over and over to not call again but they choose to not believe us and continue calling. I have excellent credit and I am a responsible person. The people calling speak XXXX. Their most recent call was at XXXX XXXX this morning, XXXX/XXXX/15 from XXXX, they call every day of the week at all times, sometimes they call from numbers not identified as Citibank. My wife answered the phone this morning and advised the woman calling, who did not identify herself, to not call our house again, that I had gone to the local branch of Citibank and contacted them to clear this, that they are calling the wrong person and we were going to report them. She said she would remove our number from their calling list, hopefully there will be an end to their calls. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX parent plus loans to pay off. This company has added XXXX additional fees to each loan totaling {$13000.00} Extra they are collecting on the plus loans and the fees go up each month. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America foreclosed on me wrongly! I was under a loan modification at the time of foreclosure and i had done and submitted all my paper work the bank had asked me too! They are claiming i did not and foreclosed! 

Company response: Company chooses not to provide a public response