WillisBack/dataset-financial-user-claim huggingface dataset:
This is a continuation of a prior complaint that was not fully addressed. The case number for the prior complaint for reference is XXXX. There are unanswered feedback items on the company 's response below. I have attached a copy of the supporting documents, including the company 's initial response. 
Thank you for your response. 

Based on the admission within the response, as well as the backup uploaded, of mobile internet access inabilities to allocate payments and reflect loan-level detail I respectfully request that all credit reporting be adjusted. Further, the statement in the response regarding numerous website payments made previously by me is irrelevant. I say this as I log in from my mobile internet frequently to arrange payments. The online experience on my mobile phone should match that of the environment of the website from a computer, especially if it relates to payment allocation on numerous loans serviced and the information ( or lack thereof ) regarding the state of the loans. Also, related, as a consumer AES ' relationship with XXXX is irrelevant to me as my direct relationship is with AES as the loan servicer. It was referenced in the letter, and has previously been conveyed to me in several phone calls with AES, that XXXX is the entity to be dealing with on many of these issues. I disagree, again, as AES is the loan servicer. Lastly, on this point, the credit adjustments and concessions made by AES do not offer relief as credit reporting strings on each loan do not go back to XX/XX/XXXX on the national credit agencies ' reporting. 

AES states that the XX/XX/XXXX long-term modification package can " now '' be reviewed due to assumed procedural changes. I 'd like clarification on the procedural gap, along with the corresponding procedural change to address said gap, that previously prevented me from applying for long-term assistance. This " new '' ability to submit for long-term assistance after a missed packet return was never communicated to me before this response and the most recent telephonic communication with AES, and I believe this gap has adversely impacted my abilities to make on-time payments this past year. Further, AES states that a loan must be contractually current in order to request long-term assistance. As a consumer I absolutely do n't understand this policy. The point of assistance is to assist consumers during times of hardship. This should be reviewed and I 'd like clarification on why AES operates under this non-industry standard policy. 

Lastly, AES failed to address the error notices attached. I am requesting additional information related to the error notices received. The clarification previously requested telephonically led nowhere as AES could not clarify XXXX ' error ... again baffling as AES is XXXX ' loan servicer. 

I respectfully request additional clarification and reconsideration. 

Best Regards, XXXX XXXX
I made an additional CFPB complaint # XXXX on XX/XX/XXXXagainst Creditors Bureau Associates and Creditors Bureau Associates responded to my compliant onXX/XX/XXXX and  here is there response Company 's response Creditors Bureau Associates denies all of the allegations that you've raised in this complaint, however, due to third party disclosure prohibitions from the FDCPA and our obligation as a medical collection agency to follow HIPPA laws, we have decided to close your account and return it to the original creditor. Should you have further questions or concerns, please contact their office directly. 


Creditors Bureau Associate partial responded to my request from my previous CFPB compliant to close the account but did not address my other request to remove and delete the negative information from all three of my credit reports. Creditors Bureau Associates has failed to verify the information I requested and that is a complete violation of the FCRA section 609 and the FDPA. I need Creditors Bureau Associates to remove the negative credit item from all three of my credit reports immediately
I opened a savings account with Barclays US on XXXX/XXXX/2016 and made an initial deposit of {$1000.00}. I authorized the money from the account to be transferred from my XXXX XXXX Account. After opening the account, I established and verified an external transfer with XXXX XXXX Checking. Since this date I have been accruing interest in the savings account but have not transferred additional money. On XXXX/XXXX/2016, I requested to transfer a portion of the funds to my XXXX account. I was informed that my account was on " hold '' due to failure to verify the source of the deposit and no withdrawals could be made. I called customer service and spoke with a supervisor. She informed me that because I did not establish an external transfer relationship with the account where the funds were initially received, I could not have access to the funds at all. I also was informed that there was no other recourse since this bank operates completely online. She also refused to allow me to close this savings account and have the funds returned to the source without interest. I believe that I met the Terms & Conditions of the account service by establishing an external account relationship with the bank where the funds were initially transferred, which has the same routing number. I provided proof of identify when I authorized the initial transfer of funds from XXXX and Barclays inherently acknowledges that the funds came from an appropriate source by accepting the funds and providing interest on the account for the past five months. Barclays has not contacted me by phone or mail to inform me of any concern with my account and will not release the funds unless I verify the initial account through test deposits, which will take several days to accomplished. I am extremely concerned that Barclays has withdrawn money that I authorized, has had custody of my funds for five months, but now refuses to release these funds to me. According to the Terms & Conditions, this Dream Savings account does not require a minimum initial deposit and only requires a minimum amount for {$0.00} to be accured in interest each month. There is no reason why I should not have immediate access to my funds as an account holder and if there was a concern, the initial deposit should have been returned and the account closed after 5 business days.
I Switch from   XXXX   XXXX   XXXX   to  XXXX  in   XXXX  . I called   XXXX   XXXX   XXXX   and spoke to a agent. paid my last bill. I never changed my phone # of   XXXX   XXXX   XXXX   transferred it over to  XXXX . No bills no phone calls until  XXXX  from  XXXX   XXXX   XXXX  DIVERSIFIED CONSULTANTS  INC ).  stating I owe {$68.00}, I asked why did n't you call me prior to this she said they only had my old number  XXXX , so I said then how are you calling me now, when the my current phone number was given to me by  XXXX   XXXX   XXXX  Paid the {$68.00} and said this was unfair that I had no warning. It is now showing on my   XXXX    Even though I paid for this right away.
Trying to do a credit freeze on all the credit reporting agencies due to the Equifax fiasco. Am being told there is a {$5.00} charge to freeze/unfreeze an account in Arizona at all three agencies. This is outrageous. Have already contacted the Arizona Governor, the  Attorney General, and all my legislators about having this regulation for fees rescinded. Three legislators have called me back and I am being told they will not be able to introduce any bills till after the new state session starts in XXXX. 

Citizens should not have to pay any fees for this freeze service. The credit agencies make enough money already and do n't need to subject us to more payments while we try to mitigate this disaster.
I have disputed with TransUnion about a few things on my credit report several times. I have just disputed with them recently about a few accounts that have been closed for years but was included in my bankruptcy this year. They are refusing to remove them off my credit report. I have attempted several times before I decided to contact you. I'm trying to rebuild my credit but TransUnion is making it very difficult for me. All the student loans are consolidated under XXXX XXXX. They wont remove all the old XXXX XXXX XXXX/XXXX  ones off my report. The accounts that I'm requiring about is : XXXX XXXX  XXXX XX/XX/XXXX Account is under XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account is under XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account is under XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account is under XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account was included in XXXX XXXX XXXX XXXX XX/XX/XXXX Account was included in Bankrupcy XXXX XXXX XXXX XXXX XX/XX/XXXX Account is under XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Account was in included in Bankrupcy XXXX XX/XX/XXXX Account was included in Bankrupcy XXXX XXXX XXXX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Accounts is under XXXX XXXX. 

I would like all these all removed off of my credit report. That way my credit report is would be correct. Thank you XXXX XXXX
I obtained a first mortgage from First Citizens Bank and was charged {$100.00} for fax service between them and the attorney. There never was any faxing taking place as confirmed by the attorney. I have called different people at the bank for the last three weeks. I ca n't get anyone to call me back to resolve this issue. I wonder now how many people they have done this to.
i refinanced my mortgage on XXXX XXXX with Bank of America and i was told yesterday for XXXX of the banks when i was trying to get my principal reduction that my mortgage was miss handled by Bank of America. Even though when i tried to do my loan modification Bank of America told me i do n't qualify. Now my mortgage was transferred to XXXX in XX/XX/XXXX. I am in a trial payment with XXXX and i prequalify for the loan modification vs when I tried to do with Bank of America they told me I do n't qualify. 
I would like to have my loan review by the consumer finance. I have all the documents when i refinanced my mortgage with Bank America in XX/XX/XXXX. By the way my investor is XXXX XXXX XXXX XXXXXXXXXXXX
I took out a loan from CashCall in XXXX at an interest rate above 90 % at first I was making good payments of {$290.00} on the loan even at times making extra payments for a close to 21 months. I ran into some had times and could not afford the high monthly payments, my loss in income and health issues, I did not have the money to make the payments of {$290.00} every month. The loan from CashCall was originally {$2600.00} at 135 % APR so XXXX payments a total of {$6100.00}. CashCall states I still owe them {$1200.00}. I have sent them letters that I was on XXXX from my job and with a lower income it was very difficult to make the {$290.00} payments every month. CashCall sent a letter back offering to accept a final payment of {$120.00} to close the account and show paid as agreed on my credit report. I sent them the payment within the offered time that CashCall demanded. I sent the payment on XXXX XXXX XXXX as of today XXXX XXXX XXXX, CashCall has yet to process the payment, but now sent me an email stating that I owe the {$6000.00} plus dollars and they are will to settle the debt for {$1500.00} dollars. When I sent them an email regarding the matter the stated that I needed to call them to resolve the matter. I said I would like to correspond with them via email, because I do not like how the mislead clients and deceived consumers.
I purchased a vehicle through XXXX and paid over {$12000.00} for a vehicle from XX/XX/XXXX-XX/XX/XXXX. XXXX sold the loan to Portfolio Recovery with a {$9000.00} balance attached. Chapter XXXX was filed while account was with XXXX, Portfolio Recovery ( PRA Receivables Management LLC ) did not alert the courts in a proper manner and repossessed my vehicle XX/XX/XXXX. Portfolio Recovery refused to update the account with the proof of payments I made and when they repossessed the vehicle, they took my valuables and have refused to return them to me nor answer the phone. This company along with XXXX has taken my money, valuables, and a car I paid for. The manner in which I have been treated by both companies is unethical and unfair.
Our state put a tax lien on our credit report, however the tax issued resolved and they a issued us a Judgment satisfied letter, which we sent to all XXXX credit bureau -- XXXX and XXXX both accepted. However when I contacted Equifax I was told my judgment satisfied letter we sent, was not for my tax lien, I try to explain this to the representative and her supervisor and i asked to speak with their manager which never got on the phone, they would not accept the letter I mailed to them. I tried explaining and asking them to look at the totals on my credit report and the letter sent from the Division of Revenue, i was told they had and they are not the same judgments???????.
I mailed my mortgage payment to PHH Mortgage on XXXX XXXX and when I realized it had n't cleared on the XXXX of XXXX, my husband called the company to research. He was advised to wait over the weekend and then make a payment over the phone. My husband placed a stop payment on the PAPER check, made the payment over the phone, and thought the issue was solved. Today, our mortgage company " found '' the check and processed it, not as the paper check we sent, but as an electronic payment that was " undetected '' by the stop payment. When I called PHH Mortgage, they told me that my husband was advised not to put a stop payment on the original check. This benefits the company very well as they get double payment regardless ; meanwhile I scramble to protect myself from late fees, marks on my credit, and possible fraud from someone who may find my lost check. If I had wanted my payment to be electronically debited, I would have chosen to pay by thought the internet or over the phone.
I got a credit card through XXXX XXXX which uses XXXX XXXX. Sometime in XXXX I purchased a sweater for less than {$25.00} with the credit card to get a discount. At the store, I paid the balance in full at the same day using my debit card. 

Through a monthly credit monitoring tool, I found out in XXXX that the balance on the XXXX XXXX was {$55.00}. I was shocked and confused and on XX/XX/XXXX around XXXX I called the company to find out why I was being charged that amount. After being passed around for over an hour and 30min to different people from XXXX to the US, I finally talked with a person who said that I had to pay {$29.00} to make my balance current because the sweater payment didn't go through at the store. Since I was very frustrated at the confusing fees and lack of contact and communication, I requested for the account to be closed as well. I paid the amount and it was taken out of my bank account on XX/XX/XXXX. 

I asked the representative over 3 times to ensure that my account balance was XXXX and my account was closed. She gave me a confirmation number of # XXXX. I checked my monthly credit monitoring and now the account shows up as delinquent, closed along with a balance of {$59.00}. I've tried to call the company but no one is picking up and I can't reach out anyone.
I recently applied for personal loans online due to financial hardship. I was contacted by someone saying they worked with XXXX XXXX XXXX and approved for a loan of {$2100.00}. Turns out the check was fraudulent and written on a check with your name. My bank suggested I reach out to you. Please call me at you earliest convience.
I was told by the Federal Student Help, that they would help me to consolidate my student loan at a low monthly fee for a period of 10 years. I had to pay them a fee of {$750.00} only to find out that they sent all my personal information to another company. When I ask this other company how they got my information, I was told either I contacted them or other agency sent them the information. The company that 's now handle my student loan informed me that I did not need to pay anyone for this service it is free to all.
I was contacted by XXXX who advised that he was a processor hired to deliver a court summons. He was hired by XXXX and their number is XXXX. I contacted this company to request that they not contact me at work and they were not cooperative. I was also advised by this company that I was being charged with a felony for intent to defraud a financial institution. I once again asked that they not contact me at work and contact me on my cell. The representative ( man ) that I spoke with asked me if I was " XXXX ''. He would not provide me with any additional contact information for their company. I disconnected the line due to the verbal abuse. My summons number according to this company is XXXX.
In XXXX of this year, I spoke with a representative of XXXX XXXX XXXX XXXX XXXX by telephone and made arrangements to pay of one of my creditors in 'full '. This representative was to send me an agreement to the settled amount. After several attempts to contact this individual, I contacted the company directly. The company gave the representative the complaint, and the representative continued to 'bully ' me and send me emails with boxes at the end of the email where I was to 'check ' a response. I again contacted the company. My complaint was given to another representative. This representative at first seemed sincere, and stated he would send me the requested documentation asap. Then he put boxes at the end of his email for me to check a response. I have yet to receive any information and the last contact was made on XX/XX/2018. 

This company has a negative rating with the XXXX XXXX XXXX. 

I am contacting your firm as this company is abusive, condescending, and makes promises that are not kept. 

I have attached copies of correspondence sent and received by this company. 

Please assist me in obtaining the requested documentation.
I was a victim of the credit inquiry problem where the bureau deleted the inquiries then added them.back illegally and they will not delete my transunion inquiries
I had a lease and lease was over and electricity never turn off. I informed XXXX XXXX that we where closed and i did not receive the final bills from them. XXXX XXXX is also over charging people, did not take time to read those meters and according to what someone else was paying they assume to continue charging the same amount. and when you call to dispute they always come with a literature so they don't remove those high bills.
I have been trying to update my phone number on my fraud alerts because i had to change my number due to receiving harassing phone calls. I have tried to contact XXXX, Equifax and XXXX via the customer service numbers on their website but I keep being rolled back into an automate system. I need to speak with someone about changing my telephone number. XXXX responded back and stated " As a security precaution, and for your protection in order to add or change your phone number on the initial alert appearing on your personal credit report, we need proof of identification. Please provide a copy of a government issued identification card, such as a drivers license, state ID card, etc. displaying your current address, and one copy of a current utility bill, bank or insurance statement. '' I have attached a copy of my ID and bank statement for address verification.
On XXXX XXXX, XXXX, I made the complain on the Consumer Finance website XXXX, today, I got a response from Transunion and they have not removed the false debt collections from medical finance. I have sent explanation of benefits and I have sent this complaint on Transunion website with no success. I do not owe this debt and it must be removed from my creditfile.
I HAD WAS ATTENDING XXXX IN 2002 AND WITHDREW FROM SCHOOL DUE TO COMPLICATIONS OF MY XXXX. I RECEIVED A LETTER FROM NAVIENT STATING MY LOAN WAS IN DEFAULT AND IT WAS SOLD TO XXXX. MY PREVIOUS SERVICER WAS NAVIENT. SO I CREATED AN ACCOUNT ON XXXX AND IT HAD THE SCHOOL NAME OF XXXX LOCATED AT XXXX XXXX XXXX # XXXX, XXXX TEXAS XXXX WITH NUMBER LISTED AS XXXX. I NEVER ATTENDED SUCH SCHOOL, I ATTENDED XXXX. WHICH XXXX CLOSED DOWN AND TEXAS GURANTEED STUDENT LOAN CORPORATION SAID XXXX SOLD ITS LOANS TO THEM OR SOMETHING TO THAT ASPECT. I ASKED FOR A PROMISSORY NOTE FOR XXXX XXXX, BECAUSE I DID NOT ATTEND THAT SCHOOL. SO THEY HAVE ME PAYING MONEY TO A SCHOOL THAT I DID NOT ATTEND AND NEITHER SCHOOL IS OPEN IN XXXX TEXAS. WHAT ARE MY RIGHTS AND HOW CAN I GET THIS OFF OF ME. I WAS NOT NOTIFIED THAT THEY SOLD THE LOAN, AND I READ THAT THE SCHOOL XXXX CLOSED DOWN ONLINE. CAN THIS BE DISPUTED AND I NEED TO KNOW WHAT ARE MY RIGHTS. BUT, I DID NOT ATTEND XXXX.
As per complaints : XXXX where you stated ALL COLLECTIONS WILL BE REMOVED FROM CREDIT REPORT, Complaint : XXXX where u state you will no longer persue collections, I NEED COMPANY TO PROVIDE CLARITY - WHEN WILL THEY BE DELETED??????? 

1 ) this is one account is from over 10+, almost 13 years ago and and can not be placed in credit report. It has been closed since then. so your documents provided are irrelevant and recent dates are frivolous 2 ) it is ILLEGAL to reset dates on account to reflect recent activity, add multiple accounts, and manufacture new dates as to cheat statute in order to collect. 

Companies recent claim is that they will no longer persue collections said language is UNCLEAR,  however. They were never supposed to put accounts on credit report as multiple accounts and fake dates in the first place. 
I need WRITTEN CLARITY THAT THESE ( All ) will be deleted from credit report as per Company response in first complaint. Why are they multiple accounts on report in first place with varying dates. Also, company submits account from XX/XX/2006 OVER 13+ years ago. Second document of fees is fraudulent, as account has been closed over 10 years. 

So, as per you first response, I AM STILL WAITING FOR ALL ITEMS TO BE REMOVED FROM CREDIT. YOU HAVE ONLY REMOVED ONE. 

PLEASE CLARIFY YOUR LANGUAGE IN RECENT RESPONSE AND BE EXACT AS TO YOUR RESPONSE. I AM SIMPLY ASKING YOU TO DO WHAT YOU SAID YOU WOULD DO IN FIRST COMPLAINT SUBMITTED IN XX/XX/XXXX. 
I WILL CONTINUE TO PERSUE ALL AND ANY AVENUE UNTIL THIS HAS BEEN RIGHTFULLY RESOLVED. I HAVE BEEN WAITING PATIENTLY AND STILL GOING BACK AND FORTH UNBELIEVABLE. 

Its illegal for company to try and cheat statutes in order to force collection.YOU KNOW THIS
I was contacted by XX/XX/XXXX on 1XX/XX/XXXX about a school loan that I do owe. I made a agreement with them on that date to pay {$110.00} per month to bring loan out of default. I made a payment on that date of {$110.00} to enter the program. they notified me that I had to do this right now to avoid garnishment. XX/XX/XXXX later notified me that after recalculating my budget that my payments would be raised to {$160.00} and I agreed and made another payment at that time of {$47.00} in order to be in compliance of agreement. After making this agreement Accounts Control Technology moved forward with wage garnishment on XXXXX-2017. Accounts Control technology was deceptive in making this agreement knowing full well that they had no intention of honoring it.
Due to some transactions that were double billed by a company XXXX, Suntrust hit me with over XXXX overdraft fees in a less than 2 week period. I 'm happy to eat the costs of some of these transactions, even though they are not my fault, but would like suntrust to be reasonable in that this amount is excessive and the transactions should not have been approved in the first place
Wells Fargo Bank legal department put my account on hold and charged me {$120.00} in processing fees on a error. North Carolina stated I work and did n't pay taxes. I never work in NC they corrected the issue and fax over a release of my funds to Wells Fargo. After being on hold 2 hours Wells Fargo informed me they could n't provide me a time as to when my funds would be released.