WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint concerns TransUnion. When the XXXX data breach was revealed, I attempted to freeze my credit files at all three major bureaus. I was able to do so online with XXXX and XXXX  without any problem. TransUnion, however, is a different story ... 

To begin, TransUnion forced me to create an " account '' for their web portal before even allowing me to REQUEST a freeze ( neither of the other XXXX bureaus did this ). Worse, as part of the lengthy TransUnion " terms of service, '' I was forced to agree to a forum-selection clause requiring me to litigate any disputes with TransUnion in the distant forum of Illinois ( I live in XXXX ). Seeing little alternative, I agreed. 

Despite having jumped through these hoops, however, I STILL have not been able to freeze my TransUnion file. Rather, every XXXX of my dozen or so attempts to implement the freeze over the past MONTH has resulted in an error stating, " We 're experiencing technical difficulties. '' This is unacceptable. TransUnion is a for-profit business whose stock-in-trade is MY personal financial information. I am simply seeking to PAY them for the privilege of protecting myself from identity theft. They have a statutory obligation to comply. If they are unable to process freeze requests in a timely manner ( again, it 's been over a month since the XXXX  breach ), they should not be allowed to operate in this sensitive space.
I started 72 month auto loan with XXXX XXXX XXXX in XXXX of XXXX. I made 100 % on time and in full payments ( confirmed by all three credit reporting agencies and XXXX themselves on over 10 occasions ). 

I had made the last payment on my auto loan onXX/XX/XXXX in the amount of {$310.00}, which generated a refund of {$1.00} as well as the issuance of my Title and pay off notice ( which were printed on XX/XX/XXXX and mailed to me XXXX. 

There was another payment made onXX/XX/XXXX in the amount of {$310.00} ( my account was set up direct withdrawls ), which was also refunded to me due to over payment in late XXXX. 

There was another payment made on XX/XX/XXXX ( again, automatically taken from my account ) in the amount of {$20.00}, which was also refunded to me due to overpayment. 

On XX/XX/XXXX, XXXX advised all credit reporting agencies that though my account was fully paid, and title issued, I was placed in delinquent status with {$0.00} due. After over 20 calls to XXXX, no one can tell me why I was listed as delinquent as my balance was paid off, title issued and they advised I was NEVER late on a payment. This has caused my credit score to drop over 60 points. 

On XX/XX/XXXX, I sent Transunion, XXXX XXXX AND XXXX all the materials I have ( payment history, title, pay off letter, etc .... ) to dispute this delinquate status. 

On XX/XX/XXXX, all three agencies corrected my credit report to show that my account was closed/paid on time/never late as it should be. 

On XX/XX/XXXX, XXXX, once again, reported my account to all three credit reporting agencies as delinquent with a zero balance on this closed account. As a result, my credit dropped another XXXX points. 

I have made, again, in excess of over 5 calls to Transunion and XXXX trying to get my report corrected and to get XXXX to correct whatever system issue keeps incorrectly reporting my account as delenquate to the reporting agencies. They advised me that the only way to do this is to dispute it again. They can not tell me if this will ever rectify the issue or if I need to dispute the same issue every single month because XXXX wont correct their system. 

I am trying to purchase a home and this XXXX point drop in my credit is preventing this from happening. XXXX is not helping me with this matter in ANY way other than telling me to keep disputing it.
Re Home Equity Line of Credit with SunTrust Bank We purchased our home in XX/XX/XXXX. The mortgage and a Home Equity Line of Credit ( HELOC ) were financed by SunTrust Bank. In XXXX XXXX we refinanced the mortgage. In XXXX XXXX we increased the HELOC ( both still with SunTrust Bank ). 
XX/XX/XXXX I merged the mortgage and the HELOC into XXXX loan financed by XXXX XXXX. Therefore, both the mortgage and the HELOC with SunTrust Bank were paid off in full. On XXXX XXXX, XXXX, a " Certificate of Satisfaction '' for the mortgage was recorded in the Land Records for XXXX County, Maryland. A " Certificate of Satisfaction '' for the HELOC has never been recorded with XXXX County. Any title search now will seem to indicate that the HELOC has never been paid off. A " Certificate of Satisfaction, '' which in effect is my receipt, recorded in XXXX Country would eliminate this problem. 
I received XXXX letters from SunTrust Bank ( dated XXXX XXXX, XXXX and XXXX XXXX ) informing me that the HELOC had been paid off and that the appropriate information had been forwarded to XXXX County ( letters attached to this complaint ). However, XXXX County has no record of ever receiving this information. 
I have sent XXXX letters to SunTrust Bank. The XXXX one was dated XXXX XXXX, XXXX. The XXXX was sent via certified mail on XXXX XXXX and received by them on XXXX XXXX, XXXX. I have received no response.
On XX/XX/2018 I purchased a dog online which everything seemed so legit since we sent lots of emails and texts before hand. The other person gave me an email to send $ through XXXX or and a chase account # to wire transfer to another chase account.. Ive never used XXXX and figured since it was through my bank I had security.. I sent {$750.00} to a XXXX XXXX and never heard back from him again. I am devastated and dont just have {$750.00} laying around. Chase told me they contacted XXXX but really have nothing to do with XXXX, they are a 3rd party and im pretty much out of {$750.00}. I would think if you have this selection through your bank there should be more security because lots of other customers who dont know about XXXX will think the same as me.. please help me
Original complaint was case # XXXX and was handled by XXXX XXXX to my complete satisfaction - the problem is my payment date was changed when the card was re-instated - never noticed - When I started at XXXX we were paid once a month - since the XXXX 's all payments dates were the XXXX of each month - so somewhere in the XXXX or XXXX month my payment ended being late - honestly I have no intention in paying a late fee or interest charges due the mix up - first my payment date needs to be moved back to the XXXX of each month - I believe my account is current without fees and charges added - would like to keep account active - Thanks XXXX  XXXX
To whom it may concern, On XXXX, a Levy was placed with the state of RI for {$1200.00}. I was charged {$120.00} legal fee. I am aware that in the disclosure that Bank of America charges for legal orders. What I am disputing is the fact the state did not have the authority to do so as I have an order from a Judge stating my payments for this matter were satisfactory and not in danger of a levy. I have worked it out with the state on XXXX and they are removing the levy. I am asking the {$120.00} legal fee be reimbursed in this case as it was a state error. They said it will take up to 3 days to remove it. If there is no chance for reimbursement, Id like to be contacted in order to close my account. Thank you for your time.
remove the judgement from my acct it has been vacated enclosed is a copy of the judges order
I called XXXX XXXX on XX/XX/XXXX after I made a payment on the card because I saw a {$14.00} charge that I had not made. A dispute was filed on the charge and the card was cancelled to prevent any other fraudulent charges from being made. A new card was to arrive in 5 business days. My new card still had not arrived on Saturday, XX/XX/XXXX so I called once again and they I had called on Wednesday, XX/XX/XXXX, which I most definitely had called on XX/XX/XXXX as that is the day my payments are due each month. I called today, Monday, XX/XX/XXXX as  my new card had arrived and I needed to activate it. However, the entire account has been blocked while they work on the dispute. This was not mentioned the first time I called on the XX/XX/XXXX nor the second time I called on the XX/XX/XXXX. They have said they are expediting it and I should hear back in 24-48 hrs. However, that is unacceptable as I have purchases that need to be made, including prescription medication and will be traveling back home for the holidays shortly.
I am a Successor-in-Interest/Executor of my late mother s estate and appealing to the Consumer Financial Protection Bureau ( CFPB ) to intervene on the unfair practices of Bank of America. My mother passed away on XX/XX/XXXX. From that date to present, I have timely continued to pay the mortgage note because I am vested in the property as my name is on the deed and Deed of Trust. This is the home where I was born and raised and moved back to live with my mother for the past ten years to assist her in any way possible. Thus, it was imperative that I continue to pay the monthly mortgage payments on time. I contacted Bank of America for an assumption loan of the current unpaid principal balance of approximately {$160000.00} on or around XX/XX/XXXX. Although I intended to obtain an Assumption loan, the Bank of America representative encouraged me to apply for a loan modification. What concerns me is that I was constantly told the loan must be delinquent before I apply for the modification, which I believe is a potential violation of RESPA 12 C.F.R 1024.41 ( a ). Additionally, this advice appears to be an unfair practice ( UDAAP ) as I was being steered to purposely move the loan in a default status resulting in an imminent foreclosure. The XXXX CFPB rules clearly state that A borrower does not have to be delinquent to apply for a loan modification. I had no interest in defaulting and submitted application for the Assumption Loan which turned out to be a frustrating experience because Bank of America continued to request documentation that I had already submitted. Subsequently, I was informed that the loan was denied without a valid reason or notification ; this appears to be a potential ECOA violation ( 12 C.F.R 1002.9 Notification of Action Taken ). After discussing my options with Bank of America, I was told to apply for the better option of a modification on or around XX/XX/XXXX and went through another process of repeated requests for documentation that was also already provided. As I am clearly demonstrating that my primary interest is to prevent a default and keep my family home that is now valued at {$630000.00} with a current loan balance of approximately {$150000.00}. On XX/XX/XXXX, a Bank of America representative told me over the phone that my modification was denied because the mortgage loan was not delinquent. 

As a consumer and professional/government regulator, I initiated my mortgage acquisition process in good faith adhering to and complying with everything Bank of America required of me. However, Bank of America failed to treat me fairly, legally and without prejudice inclusive of potential racial concerns for the purposes of redlining and gentrification. I am appealing to the CFPB to intervene and review the practices of Bank of America.
i was called on XXXX/XXXX/16 on my cell phone i returned the call to XXXX and they stated that i had a medical bill from XX/XX/XXXX, i tried to explain that i havent been to this place and XXXX insisted that i was the patient and they would not provide me with validation of the debt because the 1st collection notice was already sent and i must dispute and request this in writing. they called me again on XXXX/XXXX/16 i tried to explain that i have not received the validation of this account still as i did n't have a debt with them. they said they dont have to send me this and threated credit reporting my call was transfered to XXXX XXXX the manager and he said they wo n't send me anything unless i put it in writing the dispute. I 've tried to explain several times that i was n't the patient and had no idea
On XX/XX/2018 i disputed with the CFPB about PMAB , llc and they company responded that is was to be deleted from my credit reports. I disputed it with the credit bureaus and on XX/XX/2018 PMAB , LLC updates the credit bureaus as accurate. I was also sent a letter form the company that they deleted it from my reports and now they are still showing in there. I'm only writing this to let CFPB know that this company is shady and has been lying to you this whole time. I am taking legal matters as of Monday morning XX/XX/2018 i will be filing suit against PMAB , LLC and suing for damages and negligence from their company. I have the letter stating they were deleting it and copies of the complaint numbers they responded to on CFPB as well. I will have a judge from the courts have them comply with the letter and their responses here on CFPB
We closed on a home loan in XX/XX/2014 and the originating company either sold or transferred our loan to Stearns Lending. 
We make our payment on the internet as figure we can track the receipt of the payment quicker than Snail mail. 
Depending on when our retirement income is received ( Social Security ) we make our payment effective the second Wednesday of each month. Depending on the date they anywhere from {$5.00} to {$10.00} for the payment. We have never been late and are still well within our grace period.

On the annual mortgage statement these additional fees reflect Late Charge, however I checked our credit and they do not reflect as a mortgage late payment.

Is this legal since we are stilll within our 15 day grace period. 
Our loan was just recently sold to XXXX mortgage and they do not have this fee thank you
This person who calls himself " XXXX XXXX '' from Bryant, Hodge and Associates claims to have my social security number from my employer and is very belligerent and uses very abusive language. I 've told them several times to stop calling me and send me a letter verifying the information and they refuse and just keep calling me
On XXXX/XXXX/2015 on my Amazon Store had promotional balance pay off of XXXX. However the month prior had a promotional balance pay off of {$390.00}. but I paid XXXX a difference of {$90.00}. My regular purchase amount on this statement was {$200.00} which is being paid only if there is anything left over after the promotional balance. I had {$150.00} worth of promotion balance due for pay off on XXXX/XXXX/2015. Since I had the {$90.00} credit I paid {$70.00} on XXXX/XXXX/2015. Which left {$9.00} to be credited to anything upcoming promotional balances. On XXXX/XXXX/2015 I called in because there were errors on my account and I was credited a total of {$19.00}. My statement closes on the XXXX of every month and therefore the {$19.00} was not reflected on my XXXX/XXXX/2015 statement. And the {$9.00} was not applied to my account. Today I called in and asked for an explanation of why my payments are being missed applied. I was told that when I make a payment over the promotional pay off amount. The extra amount is applied throughout my account and not to the next expiring promotional balance. I have been told by the Supervisor XXXX that if I want my payment applied to my promotional balance I would have to call in every month and instruct them to do so. Of which I have not had to do in the past. Since Amazon is stating that my promotional of XXXX expired on XXXX/XXXX/2015 because I only made a {$70.00} payment on XXXX/XXXX/2015, but I had a credit of {$90.00} prior to the {$84.00} due on XXXX/XXXX/2015. Amazon is applying my payment as they please. Instead of paying off the next promotional balance they apply only minimum amounts to each open balance.
This is in regards to the recent data breach reported for Equifax. They are offering only one year of credit monitoring when the information leaked, e.g. SSN, name, etc. causes an impact for the rest of my life. There have been a lot of breaches but this is the last straw. There needs to be recognition that these breaches are more than a short term issue for consumers and not be used to farm new clients for their monitoring services. They should be required to provide lifetime monitoring for people whose information was compromised.
I just received a letter, from a second party debt collector ( all this company is a personal outside agency, hired to try to collect, a debt from a Creditor, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Massachusetts, toll free # XXXX.for Balance {$260.00}, dollar amount which I known for a fact that this is a scamming cocollection agency. when I asked him again can you describe what the service was that I should have received he just hung up the phone abruptly, is a lie, because I am a XXXX year veteran that only get medical treatment from the veterans hospital, and so then I got mad with the man because he insisted to remain ignorant while telling me I owe {$260.00}, & because I told him, this is bogus debt., Like I said earlier, that name of the company, '' is the Still man law office, llc,  then again I try to tell him this ... he quickly said that they was n't a real law firm, he hung up on me. my cell number is XXXX * home # is XXXX. please let me know the fastest way to repot this agency, I all ready know about requesting in writing within 30 days explaining the debt. it worked with other callers like this.
I am filing this complaint because Experian has refused to provide me with the documents that their company has on file that were used to verify the account that I have disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to * " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
I have been contacting Account Control Technologies and have been on and off the phone with them for two hours trying to get my itemized statement over the phone. For one thing, they never sent a written statement that the debt sent to their agency, which is my right. The  XXXX   XXXX  office says they do not have access to it and can only mail it within  7-10 bu siness days. I have asked for how the collection fees are broken down and  XXXX   XXXX  has refused to give it to me. I have been directed to corporate offices in Ohio and California and three times have been transferred back to their office. They refuse to give me information on my account. I have asked for a written document detailing that if I have my debt paid in full before  XXXX / XXXX /  XXXX  , that it will not be reported to my credit. They have outright refused to put anything in writing outside of the itemized statement. They told me that over the phone and do have recordings of that conversation, but I wanted it in writing because I know how shady and deceptive those places are. I have been put on hold for extended periods of time until I finally hung up and called back. My call has been outright ignored  three  times when I began requesting that it be elevated outside of their office.  XXXX   XXXX  has said that they are the only office that will deal with my account and speak to me about it, but they do not have  access to my itemized account information. In the period of two  days, I have been told that they can add fees to my account while it is in their office ( by  XXXX   ) , which he was corrected and told that my college still owns the account and they have no authority to add anything, but the " fees '' and they are the ones who set the date to report to my credit ( by  XXXX  ), but then when my call was elevated to  XXXX  and then  XXXX , they would not tell me what those fees were. They said they can add up to 18.25 %, but did not have the percentage and said that was n't the only fee that would be on there. I just need my financial information and I am trying to protect myself. I have called the university and ACT is contracted through them, so they handle all accrued fees from when it is handled by them. I just need to be informed that I am paying the correct amount!!!! I need this information quickly before  XXXX   XXXX  or it will completely screw up my credit.
I have contacted this debt collecter, as well as the credit bureau, multiple times to file complaints. No proper action has been taken and this has been going on for at least a year. NCC Business Services was given an account with my name on it that I do not owe them. The original creditor, XXXX XXXX " XXXX at XXXX XXXX '', has put a public record on my XXXX credit report that has a satisfied amount of XXXX. However, NCC Business Services at the same time has put a collection account regarding the same specific matter with the amount of XXXX, double the original amount, on my Equifax credit report also. I have contacted NCC Business Services multiple times, explaining to them that they are double reporting this matter and falsely representing the character, amount, and legal status of the debt. But no one will listen and remove this debt collection account. Therefore, it has been ruining my credit for the past yr and a half. I have been advised this is illegal what they are doing and I would like it to be corrected as soon as possible. I have physical proof that this matter is being reported twice on the same credit report.
I am the Court appointed personal representative for my XXXX son. I first contacted American Express in late XX/XX/XXXX/early XX/XX/XXXX to close his " Serve '' card. XX/XX/XXXX I faxed the documents I was told were required. In a letter dated XX/XX/XXXX the Prepaid Resolution Team identified additional documents that were required and I faxed those documents. In a second  letter dated XX/XX/XXXX they identified different and overlapping requirements which were faxed to them. Having heard nothing from them on XX/XX/XXXX I requested a status update. A letter dated XX/XX/XXXX ask for document that had previously been provided. They were faxed again. Having received nothing from the company I sent the requested documents again on XX/XX/XXXX. In a letter dated XX/XX/XXXX, postmarked XX/XX/XXXX, that was delivered on XX/XX/XXXX the company states they can not read my fax, require additional documents, and unless thy receive those documents within 10 days they will close the matter. 

On XX/XX/XXXX I again faxed all the requested documents. Because of the claim that the fax was unreadable that same day I via USPS mailed them copies of all the documents. In a letter dated XX/XX/XXXX they asked for the same documents that have been provided multiple time by fax and in hard copy. They provide no customer service contact information only a mailing address and fax number. 

XX/XX/XXXX I called a different portion of American Express hoping they could get me to a human who could assist in resolution. They were able to find an for internal use only phone number ( which they could not release ). The sales rep waited with me literally for over one hour and  nobody answered. The individual had exceeded the time they were allowed to remain on a call and the suggestion was to call again the following day and try again. 

I have a file of the correspondence that I hope to attach to this complaint, along with copies of the documents that have been submitted numerous times, and a fax log showing transmissions to the company. 

It should be noted my son XXXX on XX/XX/XXXX - - American Express continues to charge a monthly fee on his account.