AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Trans Union : Spent Hours on the Phone with this Company, trying to fix my Online Account Credit service that I subscribed to. For the Past Months my Online Score For its own site to Varies XXXX Parties Showed Me either with a XXXX or No Reported Score. When I called in to find a resolution to this, I was transferred back and forth between and online department saying I no longer have a credit report, vs Disputes Saying My Credit Report is still active. Management Claims no Resolution to this and only Access to my report is via Paper form. 

Luckily this has not Effected my Pre-Existing credit accounts, such as XXXX XXXX, who even their tracking system shows me at XXXX, and I still have received raises to my established credit line due to my payment practice. 

XXXX/XXXX Still shows reports, though have not bought into any other online tracking to verify this. Currently Have no Open Disputes ( Which was told that could lead to this Situation ) I have the reporting since My Name is Common and It is common for these credit agencies to shift stuff under my score with very little background information, Such as just using my name. Rather then an SSN # or any type of real form ID attachment. 

Company response: Company chooses not to provide a public response
Consumer complaint: THIS IS A XXXX ADDENDUM TO MY DISPUTE # XXXX : XXXX ADDENDUMI know you all know what I 've presented to be true about the certificates XXXX being sold multiple and numerous times, and that XXXX XXXX XXXX, XXXX 's so-called Vice President is a fraud and will be prosecuted, who is really a vendor of XXXX. These certificates have been floating around since XX/XX/XXXX and XXXX did not modify our loan until XX/XX/XXXX ; five years later. Common sense should tell Shellpoint and XXXX that it is very possible some other entity had purchased the certificates before XXXX ; and they did and I have proof. But again, Shellpoint is only doing this to make a fast buck and well as XXXX and others Furthermore, XXXX had breach our initial modification by not reporting it in accordance with law, because it was done under the table and therefore, we would like our initial HAMP Tier 1 modification re-done because this is not our fault.. 

Thank youXXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The information from my credit card was somehow obtained and used to create another bogus credit card where over {$1500.00} was charged to my account. I had stayed at a motel while in the XXXX area and was issued a magnetic key which I turned in when I checked out. Not sure if the information was obtained from the magnetic key or not ; however, I only used my card in XXXX places during the time I was in the XXXX area. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America refuses to add beneficiary to accounts for attorney-in-fact presenting duly registered North Carolina durable power of attorney. 

Company response: Company chooses not to provide a public response
Consumer complaint: Started a loan with US BANK HOME MORTGAGE XX/XX/2015.  Bank requested multiple unusual information and documents (I provided everything they requested) but when I requested supervisor information to verify the requests (fishing for information not regarding the loan or people not on the loan) No information provided from the loan processor and odd requests continued to be emailed.   Other issue was the home appraisal required water to be turned on,  we were advised by the seller that it will be the buyers responsibility (me) to turn on the water.  US BANK already advised if the water isnt on they will do a XXXX appraisal and charge us duplicate times so I requested and my realtor requested to be notified once the appraisal is scheduled so we can be there to turn on the water.   US BANK did not notify us so we could turn on the water.   Once I requested the loan to be closed (XX/XX/XXXX) due to their poor business practices, fishing for information, no communication on the appraisal and saying they will just charge multiple times  I started to get scam phone calls. (my # is on DNS and I had not signed up for ANY scam calls) Requested my loan to be closed again by a supervisor and my information to be securely destroyed and fees be refunded they now are issuing MORE charges on my card 24 days later that are not authorized.
Company response: Company chooses not to provide a public response
Consumer complaint: The company XXXX ( AKA Deliber Services ) is reporting to the credit agencys that both companies are servicing the loan. 

Making it appear that I have XXXX loans instead of XXXX. 

My account has been " sold '' between both companies since it was opened. 

The loan terms violated FL state statue in terms of the amount of interest charged during the loan terms. A complain was filed with the Office of the Attorney General. The State of Florida has also filed a Court case pending a decision in the district court of appeals. Case # is XXXX. 

The reporting of the negative information has greatly impacted my credit score and has prevented me from obtaining a mortgage for home. 

Dealing with CashCall/Delibert services in the past has been very difficult. They have employed aggressive and intimidating tracts to service the loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a FHA insured mortgage. XXXX was the loan originator for my home loan. BANK OF AMERICA became the servicer. In XX/XX/XXXX I requested a loan modification thru BOA, on behalf of a conselling reguest from 'XXXX and XXXX '. The forms were submitted and I alsoprovided sworn affidavits to the need. My income sourec is XXXX due to my XXXX. My XXXX was present since XX/XX/XXXX and the originators created and approved my loan based on my XXXX income. BOA serviced my loan with the knowledge as well. My income is indigent and my expenses with cost of living exceed the unearned SSA. I requested the modification based on that. BOA is refusing to follow FHA/HUD guidelines. MYy credit reflects poorly as a result. they have failed to apply the payments in the proper sequence according to FHA secretary rules where escrow, insurance and taxes are paid. my credit reports absent payments which is not true. I have been consistent with monthly payments. My credit should report and state partial payments made monthly. The BOA agentsd have also failed to take in consideration the ratio determination to my income vs expense which is also an FHA rule. IL laws also protect the homeowner with rules and BOA is failing to abide by the terms. BOA is also counting foodstamps as gross income. when it is NOT. BOA has inflated my gross income by {$400.00}. to suit their need. And I have objected since I DO NIOT HAVE ANOTHER SOURCE OFINCOME. nor do I receive tax or any other maintenance. My food stamp amount is {$140.00}. and is based on my housing expense. The grossed up inflated income then mis calculates the monthly payment that I can afford. the FHA ratio for special circumstatnces of mortgage allows 31 % of gross income to be calculated for the mortgage payment. BOA is measuring my gross and payment with inflated terms and methods which cause an improper amount to be listed in a calculation and of course unaffordable to me. I have been trying to seek resolution for this matter for XXXX months. I ca n't be dis honest. BOA spends more money on overnight XXXX postage to me then the inflated true amount which could have served to resolve my crisis. I need this investigated. BOA has been sued due to illegal loan practices in XXXX IL for discrimination. I know I am a victim. My civil and human rights are threatened and this is causing me un necessary trauma. I am XXXX XXXX XXXX. I can not contemplate moving with bad ruined credit and inability to afford when BOA is violating my life and home. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 XXXX from Advance America called my job and left a message at around XXXX. I returned his call, from my personal cell phone, at XXXX to inform him that calling me at my employer is no longer acceptable. He said he understands. 

On XXXX XXXX, 2015 at XXXX XXXX from Advance America called my job, this time I answered. I told him that I can not speak about this over the phone. I returned his call at XXXX from my personal cell phone and reminded him that it is no acceptable to call my job phone. He said that he was never told that. 

Today, XXXX XXXX, 2015 I will be sending a letter explicitly stating that my job can not be contacted about this loan. I do not have a personal work phone ; it is shared by many people. I will include the above scenario for his understanding. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: in XX/XX/XXXX i was garnisheed wages for a 900.00 dollar credit card, as of XX/XX/XXXX XXXX stephen bruce XXXX out of XXXX okla have taken 10.000 dollars out of my pay, this has brought a great hardship upon me, i work as a XXXX making only XXXX an hr. so as you can see, and so can they, there is no way i can afford an attorney. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I sell on XXXX. I have to use paypal as part of their requirements. Paypal when you purchase something takes the money immediately out of your bank account. However when depositing they take sometimes up to 6 days if it falls on a weekend. Then my credit union holds the money sometimes a day. I buy and sell so not having my money in my hand is hurting cash flow. I believe this holding money is a significant drag on the economy and there is no justification for such a long delay. The banks also do this when wiring money from bank to bank or processing a refund on a debit card. Is there a law that limits them. Is there anything you can do to speed up this process. Thank you 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Car loan with First Investors Financial is reporting monthly late remarks after being approved for a loan extension. Account should not be reporting as late on credit reports. Also late fees are still showing in online account on their website, and I was told were to be added to the loan extension. A past due amount is reporting erroneously on my credit reports. And I am continuously robocalled numerous times a day about making a payment when my account is current. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a bankruptcy from 2005 that is no longer being reported by the XXXX XXXX XXXX XXXX DIST XXXX. I have been advised to dispute it with the bureaus to have it removed. I successfully was able to do so with all bureaus but Experian. I requested a physical copy of my report by mail. I called to get assistance from a CSR to initiate the dispute. I was told I could not dispute the information. I told him I 'd like to speak to a supervisor. I was put on hold then transferred to a voicemail. I left a message. I got a call the following day from XXXX on XXXX XXXX, her supervisor is XXXX. She could not give any other information to contact her again. She also denied me my right to dispute the information saying it will say for ten years. I told her the information is no longer accurate as the court is no longer reporting it. She refused to dispute it. 

Company response: Company chooses not to provide a public response
Consumer complaint: The debt belongs to my son and they refuse to remove it from my credit bureau information 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I wired money from my Citibank account in the XXXX to my XXXX account with a XXXX Bank in XXXX. 

After I made my wire transfer online and get the confirmation number, I was called XXXX times from Citibank to verify my identification. After all these XXXX calls, I was told that I had answered all their security questions and the wire transfer would go through soon and I just needed to wait here. 

Then I was called again by Citibank ( the lady actually hanged up on me ) that my online wire transfer can not get through, and I need to fly to another city ( XXXX ) with Citibank branch to get my own money back as there is no Citibank branch in XXXX. People refused to answer why I was treated like this this time as it never happened to all my previous online international wire transfers ; and they refused to answer what policy caused clients to go to another city to get their own money back. 

This transfer is from me to myself, the sender and the receiver are the same person and I have answered all their security questions, XXXX times. 

I believe it is not reasonable to treat clients like this, and the service people are very rude 

Company response: Company chooses not to provide a public response
Consumer complaint: Collection company for a medical bill contacted me and stated employment verification had happened and I could be taken to court. They refused to give me the name of the attorney, stating they had XXXX that they used. I asked for the names of the XXXX and was not provided. She argued that they did n't threaten to take me court, but that I COULD be taken to court. They were also very rude when I disputed the bill, stating the doctor 's office had never billed me for it and I did not know the insurance had denied it. 
=They stated I could not do a payment plan without going through their hardship process, which included applying for a loan to get a denial letter, which would be a hit on my credit and more detrimental to me. I was told whatever I sent in would be applied to the bill but that collection practices would continue. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Suntrust Mortgage continues to charge me $ 20/month for a property inspection when the account is less than 45 days late. It has been disputed to no avail. This is on top of the late fees. I am also receiving mail from XXXX XXXX XXXX XXXX ( XXXX ) claiming that they have been hired by Suntrust to " Advise '' me of this debt. I have contacted Suntrust, by phone, and Suntrust claims that they have not hired XXXX. I have sent a drop-dead letter by certified mail to XXXX. They have continued to send me mail and XXXX actually showed up at my house on Saturday, XXXX/XXXX/15 requesting my driver 's license to verify information. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company has violated the FDCPA and the FCRA. I sent a letter requesting to verify the debt and it is now over thirty days since they received the certified mail request. I have asked them to remove their derogatory information from my XXXX report and they have not complied. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Debt collector calling me about a payment from XXXX that I do not owe. Every time I ask tell them that XXXX has never contacted me XXXX telling me I owe a dime. I have received nothing in writing from XXXX. I keep telling them that I need it in writing from XXXX before I even think about giving them one cent. This company calls me every single day with the same " This will be put on your credit score if you do not pay ''. I looked up some reviews of this company and TONS of people are having this problem. XXXX has even said they have nothing to do with them and does not use them for debt collection. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: XXXX charges were made on my account today that I did not make. My bank did nothing to fix the issue other than tell me to wait for the charges to go through. I have not had my money refunded and had to call the local branch to get my card canceled. They told me to call the companies myself to dispute the charges, when it should be their job. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a credit card with Citi bank and in the last two weeks. My card has been compromised and unauthorized charges have been placed on a duplicate card out of Florida. XXXX in XXXX with my XXXX card and yesterday in XXXX, FL. My cards have the chip technology but also the mag strip. I am requesting that Citi assign me a pin. I have also asked for this capability from XXXX. I think banks should provide a pin if requested. I also think it should be illegal for banks to charge more for a signature based transaction that a pin based transaction. The security provided by the chip as it is currently being viewed is for the security of the bank. Not the security of the consumer. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a motion to transfer letter from Blatt, Hasenmiller, Leibsker & Moore LLC on or about XXXX XXXX regarding a hearing for such request on XXXX XXXX. On XXXX XXXX I contacted Blatt, Hasenmiller, Leibsker & Moore LLC regarding the letter - to get additional information as to what this letter was and what it was in regards to. I was told that a judgement has been entered and I could settle. I told the representative that this was the XXXX letter received from their firm and ask would they accept a flat settlement and what was the amount due. The representative told me I or someone at my home had been served - this is false. I did not receive a summons or any other correspondence from this firm or the collections agency they state they represent - XXXX XXXX XXXX. This letter regarding motion for transfer is the XXXX correspondence received from Blatt, Hasenmiller, Leibsker & Moore LLC at my address. The representative attempted to contest this and stated either way I would be responsible for the original debt and court cost and would need to pay such to vacate the judgement. 

I 'm left with - no verification of the debt, no verification as to whether this debt is truthfully even actionable against me in court, and minimal recourse other than to pay up front. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: USBank has changed the benefits of their Club Carlson Visa. When I submitted my credit card application, XXXX of the benefits was a free night when redeeming points for XXXX night. This benefit has been removed effective XXXX XXXX, 2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: Greetings - I have been attempting to clear an item on my credit report that was reported by Citicard. It took me 3 weeks and XXXX phone calls to Citicard to research this item that was not recognizable to me. Citicard repeatedly told me they did not have any information on my account and to call back later. I continued to call Citicard back repeatedly and continued to receive the same statement. 

Finally, on the XXXX call, I pushed to speak to someone else and was finally turned over to Citicard 's Internal Recovery Dept. At this point, I did not have the time or energy to purse this charge as a fraud as I am in the midst of applying for a mortgage loan. I told the Citicard associate that " I just want to pay off the debt ( the outstanding balance was minimal, {$260.00} ) so that I could close this issue. '' She told me could pay over the phone, then call back in 15 days to get a zero balance letter. I said I needed the letter sooner, can I call back once the check had cleared. The associate responded yes. 

( BTW- it is ridiculous that I have to initiate a call instead of them automatically sending me the letter once the debt was cleared. ) I validated the payment I made to Citicard cleared my bank and called back 4 days later. I was then told that I could not get a Zero Balance Letter until 15 days had passed from payment. I stated this was NOT what I was told by the Citicard associate who accepted my payment. 

I clearly and specifically asked the associate who took my payment if I could call back once the payment had cleared and get the letter, and she said yes. This morning, I spoke to XXXX associates who refused to send me a letter. The XXXX Citicard associate admitted ( XXXX was her name ) I was given erroneous information by the Citicard associate when I made my payment. 

During each phone call ( XXXX in all ) Citicard attempted to collect personal data from me ; phone number, email, place of employement, etc.. I refused each time. But Citicard continued to request that I update their information on file. 

Please note - I am not entirely sure this was a valid charge on my credit report. However, given the low amount outstanding and my need to move on w/ my mortgage application, I chose to pay off the debt. Had I not been under a time constraint, I would have fought this charge. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of this year, Messerli and Kramer, froze my savings account and on XXXX XXXX, 2015 they had the bank send them a check for {$320.00} and then they released my account. They did this even though they were told that I was on XXXX Assistance in Minnesota. According to Minnesota state law, they were not allowed to garnish my account for at least 6 months after I am off of assistance. I would like my money back and have them charged with whatever crime they have committed against the law. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Please read : XXXX XXXX 's review of XXXX and XXXX Collections Agency Representative XXXX XXXX of Cohen, Roberts & Associates, LLC. Please find the link below and I would also like to submit email correspondence chains from both XXXX and XXXX XXXX. 

XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for XXXX XXXX visa card issued by US Bank 2 months ago. The reason that I like this card is it provides " bonus award night exclusively for card members ''. 
After opening of my account, I paid {$75.00} annual fee. And in the card member benefit document it says '' enjoy all these benefits after paying {$75.00} annual fee ''. But just after a few days, US Bank emailed that they cancelled that " bonus award night '' benefit! 
US Bank charges the same amount money for less card member benefit, that is how they make profits! 
They mislead customers to waste XXXX hard pull and apply for this credit card, and suddenly cancel card member benefit to make this credit card useless and I would have not applied for it if I knew it at the beginning! 

Company response: Company chooses not to provide a public response
Consumer complaint: Med-1Solutions, LLC is charging me for a bill that is not correct and was billed under the wrong health insurance. I do not owe a fee of {$69.00}. 

Company response: Company believes it acted appropriately as authorized by contract or law