AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I had a case opened with Transunion here is the case number : XXXX which was resolved. I received a copy of my credit report and I verified that the XXXX account balance were updated to zero. I just pulled my credit report and the balance reflected right now is not zero, it has gone back to the old balance again. This is the original complaint " I had XXXX credit card accounts with XXXX banks for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported XXXX accounts on my personal income taxes XX/XX/XXXX, and paid accordingly XXXX. The account has been written off and taxes have been paid on the amount forgiven, XXXX bank has been given the tax write off but they are still reporting a full balance for XXXX account on my credit report. It should be reported a zero balance as the debt has been cancelled/forgiven, the have already taken the tax write off XXXX and now they still want me to pay in order to report a zero balance to the credit bureaus. This would be double dipping for XXXX bank, getting the tax write off and then still collecting the cancelled amount on XXXX accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment. XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, a payoff in the amount of {$7500.00}. was overnighted to Westlake Financial Services Westlake Financial Services XXXX XXXX XXXX XXXX XXXX, CA XXXX.On XXXX XXXX, 2015 @ XXXX, the payoff was signed for by XXXX at their office. On XXXX XXXX, I reviewed my account to find that the payment has not been applied, at time my account is reflecting XXXX DPD. When speaking with representative, they do not know where the check was applied and why it has not been applied to my account. All of the information was provided, tracking number XXXX, account number, amount, date of receipt and time. When calling to speak with representatives, they advised that they there is nothing they can do, I have to wait for research and posting. My account is approaching XXXX DPD and this will affect my credit. Also, I am possibly in jeopardy of having vehicle repo 'd and another payment being due on the XXXX of the month. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I initiated a dispute XXXX/XXXX/XXXX with all XXXX credit bureaus ( XXXX, XXXX, and Experian ), because the original creditor failed to respond to my requests in XXXX/XXXX/XXXX. I allotted each bureau with time and documents supporting my claim that this credit entry DOES NOT belong to me. It has been over 30 days and rolling 60 days ... .I have not received an update regarding my dispute. However, when I log into my online accounts with the credit bureaus, the entry has not been updated nor removed. I feel I gave more than enough time to resolve this dispute. 
I think the original creditor, XXXX XXXX, is behind this ignorance. Either party ( the bureaus or XXXX XXXX ) should have contacted me by now. This account does not belong to me in the first place. I contacted the bureaus in XX/XX/XXXX reporting fraudulent activity on my credit profile, and then Federal Trade Commission in XX/XX/XXXX when more entries were appearing on my report. 
Please help me resolve this dispute. 
I sent the fist letter to the credit bureaus by regular mail on XXXX/XXXX/XXXX. 
The second letter certified on XX/XX/XXXX*XXXX tracking XXXX XXXXExperian XXXX XXXXMy postal has expected delivery dates ranging from XX/XX/XXXX-XX/XX/XXXX. 
Meaning each bureau should have received my 2nd dispute by now. Please review the attachments and contact me if you need any additional information. 

Company response: Company chooses not to provide a public response
Consumer complaint: The company is calling my work number to collect a debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage was transferred from XXXX bank to DITECH. I received absolutely no written or electronic notice. My monthly payment auto deduction was cancelled without me knowing. When I called to inquire with XXXX of why my monthly mortgage payment had not been taken out is when I found out about the transfer to Ditech. I called Ditech and they told me to do nothing-my auto deductions would resume in time. I then recieved notices that my payment was overdue. I called immediately to pay over the phone and was informed of a {$12.00} online/phone payment fee. This is total bull. My auto deduct will not be set up in time for next month 's payment either so I will have to pay another online/phone payment fee. This has caused undue stress, money and time. This is WRONG 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I was a victim of fraudulent activity on the account. An investigation was started and concluded it was fraudulent activity. ( See enclosed documentation. ) Now all XXXX reporting agencies have a negative item from Elan Financial Services ( XXXX XXXX XXXX XXXX, PA XXXX ) stating I was 30 days past due in XXXX 2015. As you can see on the documentation, the investigation was concluded in XXXX. I have spent over two hours on hold and have spoken with XXXX people trying to rectify this situation, but to no avail. 
I also contacted the XXXX reporting agencies regarding this and Elan informed them that the 30 day late judgment is accurate. How could that be correct when I was found to be a victim of fraud? 

Company response: Company chooses not to provide a public response
Consumer complaint: To whom it may concern, i am seeking your help because it is over 2 years trying to get my loan modify with Wells Fargo and they never approved me for any type of resolution. Now that i decided to sell my home under a XXXX Short Sale. Wells Fargo keeps refusing to help me in order for me to avoid foreclosure. 
Please help since i dont know what to do. 

XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Since XXXX the XXXX XXXX of XXXX XXXX ' has called my home phone number XXXX times. The robo call stated they are a debt collector and ask for a return call. During this time I have noted XXXX phone numbers. Today I returned their call, the first XXXX numbers are no longer working numbers and the newest one XXXX is a number that does not have a voice mail box set up yet. Due to these robo calsl I have to allow my answering machine to handle all incoming calls. This has the effect of denying me the unrestricted use of my home pone. My home phone number is on the 'Do Not Call ' registry. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: XXXX., Monday, XX/XX/XXXX15I was just at my desk and received a telephone call from a medical collection agency XXXX regarding an account I have had with them since XX/XX/XXXX this year. I was asked initially to verify my date of birth, which I did not do immediately. When I asked for the identity of the person calling me, the lady on the telephone responded with asking me the same question about my date of birth. I refused again, stating that I was not trying to be rude but did not feel this type of call to me at my place of employment was appropriate for them to contact me. The lady then asked to be transferred to the XXXX XXXX department of my employer. I did give her the general telephone number to call but did not transfer her. I also did verify my date of birth to her, although I am sure she had that information on her computer screen in front of her. The telephone number that showed up on my caller ID is ( XXXX XXXX. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: On XXXX XXXX, 2015, I spoke with XXXX XXXX. XXXX XXXX asked me had I received my evaluation letter in the mail dated XXXX XXXX, 2015. I indicated, I had not received such correspondence. Nevertheless, XXXX XXXX indicated the evaluation letter was to inform me that I was denied the opportunity for a home loan modification based on my current monthly salary of $ XXXX ( gross ) and $ XXXX ( net ) ; in addition, my monthly expenses exceeded my net income - and in order to qualify I had to have at least a {$300.00} a month cushion between expenses and net income. When I inquired to XXXX XXXX how BoFA derived at the figures for expenses as well as the income, she was not able to provide me with an answer. She indicated I could appeal the decision - and she would reach out to me on Tuesday, XXXX XXXX to share how the figures were reached. Please be advised I sent BoFA an expense sheet that totaled {$4500.00} in expenses and find it odd that they have expenses that are much higher. On XXXX XXXX, 2015 I went to the mailbox and noticed the evaluation letter dated XXXX XXXX, 2015 as XXXX XXXX indicated, however, the letter did not indicate why I was denied and immediately stated, while I was not eligible for the home loan modification, I was eligible for a short sale or a deed-in-lieu. Well, in early XXXX 2015, I was told by BoFA that the home loan did not qualify for a short sale. This BoFA home loan modification process is repetitive and contradictory to say the least. I am seeking a home loan modification based on the submission of my monthly expenses being {$4500.00} or less. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX I purchased a vehicle from drive time in XXXX tn. The amount financed was XXXX. This includes a warranty I purchased with the vehicle. XX/XX/XXXX I voluntarily repo the vehicle after I was told I could not trade as I was told when I purchased the vehicle. Drive time put a charage of XXXX on my credit. According to the laws of tn in regards to credit reporting by buy here pay here businesses. The business may only report a loss. Since I made 13 consecutive payments of XXXX totaling XXXX and drive time stated that the vehicle sold for XXXX. The refund of the difference off the warranty XXXX out the account. So thE amount on the credit report is invalid and fraudulent while also against the law of fcra and the state of tn. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid this loan off in XXXX 2015. They processed a payment after the loan was taken out. I asked for a refund of the payment. I ended up receiving the refund through XXXX XXXX XXXX. I have spoken to several different people and even sent my banking statement showing I never received a refund from them. The refuse to clear the account and it is negatively affecting my credit. I was hung up on 3 times while calling to speak to someone. I have someone arguing with me after I sent in the documentation of the what she asked. I would like this situation resolved immediately. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Wells Fargo Dealer Services has continously overcharged for the auto loan on my 2006 XXXX and kept me uninformed about details of my loan and its terms. 

1 ) I just found out from a wells fargo dealer services representative that I was assessed/enrolled in comprehensive auto insurance through the Auto dealer XXXX at the time of the purchase as part of the reuirement to qualify for the loan..At the time of the purchase I was not informed of this requirement. I was alo asked to get a second comprehensive insurance for the duration of the loan which I also purchased independently. In essence I was asked to carry XXXX insurance policies on the same auto. 

2 ) In reviewing my loan payments it appears my interest rate on the loan was raised without any notification. Wells Fargo Dealer Services reps have been extremely rude when inquireing about my loan issues and very uncorporative with information about the details of the loan and its terms. 
3 My car was reposessed after only one month late on my loan payments. Fees and charhges for repossession, storage and penalties appear to be excesive. 
4.Wells Fargo continues to charge for auto insurance ( wells fargo insurance ) even though I have comprehensive insurance on the my vehecle and have notified them of it. 
. 
If and where there have been deliberate overcharging and exploitation I want a refund on the overcharges and excesive fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX I used my XXXX Prepaid XXXX to rent a car from XXXX XXXX XXXX in XXXX, XXXX XXXX. On that day, a pending transaction in the amount of {$960.00} was put on my card without any warning. The car was returned the next day and payment was deducted from the same card. 

I have spoken twice with XXXX Prepaid, and they requested that documentation supporting the release of the transaction be sent to XXXXXXXXXXXX. 

XXXX has sent the requested documentation yet I received word today that the documentation was unacceptable. XXXX has said that it has done all it can and that it is now down to me to resolve this issue with PayPal/Netspend. 

I am a retired XXXX trying to live in XXXX XXXX on a fixed income. As of this morning I have a little over {$11.00} for groceries to last until I receive my next social security payment on XX/XX/XXXX. Having nearly {$1000.00} held back from me for two weeks is a nightmare. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: 1. Secured credit card scrutinized by higher-than-normal standardsThis secured card has been in use since 2008 ... which is more than 7 years! Moreover, I have had the secured funds from XXXX other banks ( XXXX, XXXX XXXX XXXX ) already returned. When I called, I was told that the account is reviewed annually. However, I have never received any notification of their findings. I phoned today ( XXXX XXXX ) to ask about their policy. My request to have it reviewed has bee forwarded on to the appropriate department. I could not be given a time expectancy for this review. 

Company response: Company chooses not to provide a public response
Consumer complaint: This account was a vehicle loan and was paid in full not charged off. I was XXXX with the XXXX in XX/XX/XXXX until XX/XX/XXXX my pay was cut in half and was unable to pay this account on time. The account was paid in full before and is not a charged off account. Title was sent to me and the vehicle was then sold. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, my wife attempted to deposit {$1800.00} cash, XXXX XXXX XXXX dollar bills, XXXX XXXX, XXXX XXXX, and XXXX dollar, into my Bank of America checking account by using my debit card at the ATM machine located inside of the bank. The ATM machine malfunctioned and only credited {$300.00} of my attempted deposit. The receipt stated " Sorry, some of your items could not be processed or returned. Please contact your financial institution. '' I contacted the electronics claim department of my financial institution to place a claim. XXXX separate claims were made. claim number : XXXX represents the {$1500.00}. There was a temporary credit to my bank account of {$1500.00}. This credit was reversed on XXXX XXXX, 2015 because they did not locate any additional cash for this transaction thus closing closing this dispute. They also credited on XXXX XXXX, 2015 the {$31.00} from claim number : XXXX and determined that this claim was resolved and the current status was claim paid. I am disputing the final decision on claim number : XXXX and ask for your office to further investigate what happened to my deposit. I am attempting to forward to you the documentation the bank provided. 

Company response: Company chooses not to provide a public response
Consumer complaint: Over the last 18 years I have been receiving letters regarding the payment of this debt. I was born XX/XX/XXXX the documents to this were signed 2 months after my XXXX birthday. The staff at the school told me I had to sign them because my parents were at work. I paid monthly even though I could not attend class as there was no one to teach the class I was the only student. Then the school closed, so I did not get to attend but for 1 week. I have been receiving letters with " Department of education '' listed as the sender since I was about XXXX ( 10 years after the document was signed ) after providing verification that I was under XXXX at the time, proof that the document signed was a XXXX XXXX loan ( not through the Department of Education ) and proof from the Department of education that they know nothing of this debt. Once received the company who owed the debt would close my case with them, then the debt gets sold and I have to go through this all over again. I am now being harassed by Action Financial Services, they continue to call my cell phone and even contacted me here at the Law Firm I managed ( XXXX XXXX is the Collector for XXXX XXXX I have asked them not to call my phone or work and explained again that I did not get to attend the school, it is not through Dept. of Ed. and I was only XXXX at the time. Then the letters started being mailed to my home, I received 10 in a 2 week period. The last one being a Department of Education letter stating " Notice of Proposed Wage Garnishment ''. I have called the Department of Education and spoke to XXXX who gave me the Case # XXXX she stated my student loans with them are current and all payments are received. She stated this company does not have anything to do with the Dept. of Ed and if I owed Student loans through them I would not have been approved for Grants/Loans that I currently have. She reviewed the documents from AFS that say " XXXX '' and stated these should not have been sent as Dept of Ed has nothing to do with XXXX Loans. She then referred me to Ombudsman through the Dept. of Ed. I contacted them Case # XXXX Spoke to XXXX who suggested that I do not give any information directly to this company as the " Proposed Garnishment '' document lists an address in XXXX GA which she states that phone number and Address has nothing to do with the Dept. of Education and due to the fact that my Student loans with them are Currently being paid it would be illegal for them to Garnish my wages for Student Loans. She then referred me to Consumer finance. I have provided all the information I can to these companies and they have continued to sell this debt regardless of it being from XX/XX/XXXX ( per their records sent to me ) when I was XXXX years ol. 

Company response: Company chooses not to provide a public response
Consumer complaint: While attempting is refinance my home mortgage in XXXX and XXXX XXXX, I discovered a Derogatory Collection Filed on my credit report that did not belong to me. Creditor listed as XXXX XXXX XXXX in the account number XXXX and original creditor being XXXX. Amount of {$390.00} had been sent to collections in XXXX XXXX. Upon my personal investigation with phone calls to XXXX XXXX XXXX and XXXX XXXX XXXX at XXXX XXXX XXXX. XXXX XXXX. I was told that the name on this account was XXXX XXXX. The Social Security number they had on file matched mine. I am not that person nor have I ever used the name XXXX XXXX as an alias or any other name for that mater. Furthermore I have never lived in XXXX nor have I ever been to the state. My efforts through XXXX XXXX XXXX, XXXX XXXX XXXX XXXX the reporting agency XXXX XXXX, where the error had been discovered, to try and correct this error were not satisfactory. I then contacted my US Congressional Rep, XXXX XXXX, and her staff helped me by filing a complaint on my behalf with CFPB. That complaint number was XXXX. After CFPB 's investigation a satisfactory resolution was achieved with XXXX XXXX deleting the derogatory information of the {$390.00} collection from my credit report in XXXX of this year XXXX. However I have now discovered that XXXX of the other major credit reporting agencies, XXXX/FICO and Experian/FICO have not deleted the derogatory collections information from my credit reports regarding the XXXX XXXX XXXX {$390.00} error. The other XXXX agencies also have the name XXXX XXXX with my Soc Sec number listed under Source of Information. Another error. I was under the impression that once XXXX XXXX had deleted the incorrect information from my credit report and XXXX XXXX XXXX had corrected their error that XXXX and Experian would update their records and delete the information also. But, after calls to CFPB and XXXX XXXX, I was informed that the Credit Reporting Agencies do not communicate this information with each other and each agency has it 's own methods of reporting information on consumers. I would like to have Experian and XXXX delete the collections information and remove the name of XXXX XXXX from my credit reports. Also XXXX and Experian have an address listed for me in XXXX, IL under the Source of Information that I have never lived at. I have lived in XXXX, IL since XXXX and no other city or state. 

Company response: Company chooses not to provide a public response
Consumer complaint: We entered a payment plan with Greentree mortgage with the understanding after we completed the plan, which we did accordingly that our XX/XX/XXXX payment would be deferred. We learned this was not the case after our plan was completed and receiving a call from them requesting the payment. We were informed that XXXX XXXX XXXX, the investor decided as of XXXX XXXX, 2015 they were not honoring deferments agreements made prior to XX/XX/XXXX or after. What is our recourse? 

Company response: Company believes complaint relates to a discontinued policy or procedure
Consumer complaint: I 'm formally requesting you to delete 30 day late reported for act # XXXX for XX/XX/2015. My family on my behalf called Ditech to make a payment over the phone however it did NOT register in your system. I 'm a XXXX thus I used a line for XXXX to make the payment for XX/XX/XXXX and was assured that it will be property processed, but it was NOT. Now you are reporting a 30 day late on my credit report when in reality I was never late on this account it was YOUR fault and failure to properly process my payment. 
I 'm requesting you to delete this late reported as it is a violation and a discrimination on your behalf and it is hurting my credit greatly! 

Company response: Company believes the complaint is the result of a misunderstanding