AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX/XXXX/2015 I submitted a consumer dispute to XXXX requesting them to conduct a reasonable investigation regarding a Bank of America credit card ( see attached ) account that appears on my credit file. I faxed ( see attached ) a copy of a police report with the dispute.. I am a victim of ID Theft. On XXXX/XXXX/2015, two ( 2 ) days later, I received the results of XXXX " reasonable investigation '' ( see attached ). I specifically stated on my dispute that I was a victim of ID theft to XXXX. If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm filing a complaint because of the lack of help and correspondences from Wells Fargo with regards to the home of my aunt and last living relative the now deceased XXXX XXXX XXXX in an effort to modify and assume her loan. As the assigned personal representative of the Estate XXXX, I have sent the requested documents and they keep saying that they never received them. The loan as been reassigned without forwarding information, new loan options have not been communicated, nor notification received regarding the status of the loan. Messages are left and not returned. 

Company response: Company chooses not to provide a public response
Consumer complaint: We applied for a mortgage refinance loan with Citibank loan agent is XXXX XXXX with Citibank N.A His NMLS id is XXXX. After getting the loan application and all conditions over to XXXX we were first going to get 3.5 % rate for 30 yrs fix and no closing cost ( no points, no cost ) Loan and XXXX XXXX came back to us stating that he would not be able to deliver it as our loan needed exception so we insisted we need to communicate with his supervisor/manager thats when we received a call from XXXX XXXX XXXX who explained why the rate of 3.5 % was going to be with cost based on this we initiated a change to XXXX Arm rate of 3.375 % with 0.875 % in lender credit and this was confirmed by XXXX XXXX and we have received communication from Citibank re this change and GFE too. 

we had made very clear to MLO XXXX XXXX and XXXX XXXX XXXX that we would only spend for the appraisal once we have conformation from them that only condition left is the appraisal and so we did the appraisal too. 

I fail to understand that in such highly regulated lending regulations how can a MLO play with us and waste our time and money with confidence that he would get away lying, deceiving and misleading every step of the way. 
As of XXXX XXXX/XXXX/2015 we received an email from MLO XXXX XXXX saying that Citibank has switched us back to 30 yrs fix rate with cost and this is after we had confirmed that we were ok to proceed with XXXX Arm rate so we deiced to pay for the appraisal. 

we have wasted our time Money and all we are getting in the email from XXXX XXXX is disrespectful emails and threats that he will not do anything on our loan at all, because i wrote to him and his manager how we feel that we have been lied to. 
i call this Bait and Switch or booth closing loans which this MLO is doing with us. 
My Name and information isXXXX XXXX loan # XXXX XXXX XXXX XXXX, CA XXXXMy email id is XXXXXXXXXXXX direct # XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: The check assist people in XXXX Florida contacted me about some checks I had written and she was treating to have me arrested for a bunch of charges that I have never comeited, she also said that if I did not cooperate. With her in finding someone else that she was going to have me arrested on more charges. I think that this is a very deceptive tactic. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Focus Receivables ManagementXXXX XXXX XXXX XXXX, GA XXXXThis company has reported to the credit agencies that I have {$38.00} in collections with XXXX XXXX from XXXX and reported it in XXXX XXXX. I 'm in the process of trying to obtain a home loan and this has negatively affected me. There is no way that this is a legitimate debt as I was not living in the United States from XXXX XXXX - XXXX XXXX, do not have XXXX XXXX nor is it even available in XXXX Idaho where I 'm currently living. They had called me several XXXX times and I informed them that this is not my debt and I do not have any account with XXXX cable. I had asked them several times to stop calling me before blocking their number. I 'm still receiving several mysterious automated calls daily. 

Regards, XXXX XXXX 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: i never lived at XXXX XXXX XXXX XXXX ca XXXX never had that address ever listed in my life. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: XXXX and XXXX were included in my Chapter XXXX I was never late. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/XXXX, I accepted an offer on my home. BB & T is the current financial institution holding the mortgage on the property and it is also the lender the buyer has chosen. All required paperwork was provided in a timely manner by both myself and the buyer. Everything moved along smoothly with the appraisal and inspection. Everything that was required from myself, the buyer, the realtor, and the closing attorney had been provided to BB & T over a month ago. A later closing date was scheduled for XXXX/XXXX/XXXX by BB & T to account for the new regulations. No communication was provided at any point by BB & T about any additional delay. When I inquired my realtor if the closing on XXXX/XXXX/XXXX was confirmed he stated that BB & T did n't indicate a delay but he would check, he later stated that BB & T drop the ball and the closing is delayed without an expected date. 
I contacted the MLO XXXX XXXX in regarfs to payment as it was due on XXXX/XXXX/XXXX the scheduled closing date, she stated to just wait as surely we would close in just a few days. Fortunately I decided to make a payment to avoid a late fee since a closing date was not provided. On XXXX/XXXX/XXXX a new closing date of XXXX/XXXX/XXXX was set. At XXXX XXXX on the night before the closing, I received an email from the realtor copying the MLO email stating that paperwork was n't ready and she was sorry for " the mess ''. 
Thus far I have lost over {$1500.00} in interests, taxes, insurance and utilities due to this unreasonable and unprofessional delay and at this point I do n't even have a closing date.. 
BB & T actions ( lack thereof ) are grossly negligent as they are not loosing funds by delaying the closing, the buyer and myself are. BB & T should reimburse XXXX of my and the buyer added expenses as well as punitive damages to the CFPB to set a presidence that such irresponsible behavior is utterly unacceptable! 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX daughters that have checking accounts with my same bank. I opened up these accounts for them, so my wife and I were on their accounts. Back in XXXX 2015, my XXXX daughter put her account into the negative. The bank informed me that I was also liable for the negative balance. I thought that when my daughter turned XXXX, we would be taken off from the account as primaries. Considering the circumstances, I paid the negative balance and removed myself and my wife off of the account. Also, just in case I removed us from my XXXX daughter 's account. Now, we go to XXXX XXXX and I find out my XXXX went into the negative. The bank called me to inform me and apparently my wife and I never were removed from either XXXX of the XXXX daugther 's accounts. So, I have talked to XXXX different people from XXXX different departments and they all say there is no proof that I wanted to remove us from the accounts. So, I am liable to pay the negative balance once again. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/15 I cancelled my internet service with XXXX. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I called XXXX due to bills received that did not reflect the final balance. Since then XXXX has sent my account to collections. I do not owe {$130.00}, my bill should not have been more than {$30.00} or {$40.00}. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Amerisave quoted me for a refinance of my home loan and took an application online. I enter my info and found out later that the rate the lender quoted me was not for an investment property. I asked the Lender to cancel my application at that time and refund my appraisal fee and they refused to do this. I have filled a dispute with XXXX XXXX and wish to have my appraisal fee refunded ASAP. The rep I was dealing with was XXXX XXXX XXXX XXXX is also investigating this claim and Amerisave has still yet to refund my appraisal fee. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In 2013 my ss # and name were used by my daughter who is over XXXX to obtain a card in my name. We have the same name. It was mailed to her. I was not aware of this. Total amount is {$480.00}. To XXXX. Ii am on XXXX and am trying to get my life together after a emotional loss. I ran my credit report and this showed up with a XXXX XXXX XXXX bill and XXXX medical bills to a XXXX XXXX and XXXX. These are her debts and I can prove it. She is now will to take responsibility for her debts. I need these removed from y. Credit report. Plz help me resolve THIS! Thx you. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi, I had a balance transfer off from Bank of America, and the promotion ended around XXXX / XXXX. I called into customer customer back in XXXX, and I was informed by a Bank of America associate that as long as I pay my credit card bill in full on the due date in XXXX, and I would have avoided any interest fees. I then scheduled a full payment for XXXX. 

I called after the payment was made in XXXX, just to make sure that the account has been paid off in full and that I do n't owe anything. However, the second representative then told me that I would be charged interest fees, because the promotion has already ended back in XXXX. He went through the notes of my last conversation with the previous representative, and then offered to have the interest fees waived. However, he said I have to call back in 3 days after the statement is posted, because he can not waive a fee that has yet to be charged. 

So I called back in 3 days, and I spoke to another representative. He went through the notes of the conversations with the past XXXX representatives, and then said the interest fee would be waived in 2-3 days once it is processed, and that my balance will be XXXX, and I do not have to worry about anything else. 

However, it has been almost a month since then, and when I logged into Bank of America website just to double check, I noticed that the interest charge of {$140.00} is still on the account, and that payment was due in 3 days for that amount. If I had not checked out of precaution, I would have been charged a late fee and had my credit history adversely affected, on top of additional interest fees on this interest charge. 

I called Bank of America again, and the last representative said she could not do anything about it other than to file another request. I spoke to a manager eventually, and she refused to review it and insisted that the fee is the final determination, and that the only way for me to resolve the issue is to pay the interest fee. 

I have been given different and very misleading information time after time by Bank of America. This is very shady. Had the first representative that I spoke to told me about the correct date to pay in order to avoid interests, I would have scheduled the payment for that date. I have had the balance in my checking account ready to pay it off since XXXX, but I figured I could wait till end of the promotion. However, I am now led to believe that Bank of America had intentionally given me wrong information just so that they are able to charge me interest fees. 
I hope that this complaint will be able to help me address this injustice. 

Thank you so much. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear XXXX ID # XXXXThis is another QWR being filed. SLS has not taken care of sending documents to the county for recording and sending us the relocation assistance. 
In response to your letter dated XX/XX/2015, you made a statement that the paperwork has been internally approved and will be executed and forwarded to the county for recording as soon as possible. SLS is unable to advise as to the time it will take for recording once the document has been forwarded to the county for recording. The funds for the relocation assistance will be provided once we have confirmation of the recording at the county. 
XXXX, the issues are as follows : ( 1 ) For months I 've been told it has to go to recording. Each time I 've asked your agents and XXXX XXXX, who is the person to talk to, your agents and/or XXXX XXXX would tell me that 's not their department and have a supervisor call me, and a supervisor never calls. 
( 2 ) Since SLS has not sent the documents to county for filing, you have not sent the relocation assistance. 
XXXX, I need for you to tell me the person who 's responsible in having the deed/title processed to go to recording and why is it taking so long for your company to send to the county for recording and send the relocation assistance? 
For months, I 've been getting bureaucratic answers and no one has sent or processed the documents to go to recording. As you mentioned in your letter, there is no liens on the Deed/Title, so the next step is to go to recording. 
Now, I know you SLS do not process the recording documents, but I 've talked to the supervisors in county recording, and they told me that it would take XXXX hours to process, once they receive the documents from SLS. 
Again, I 'm asking you to provide me the name, phone number of the person, who is processing the documents to go to county for recording. 
SLS has not been truthful with me and sending me through your bureaucratic process, which I should not have to go through. 
Per your letter dated XX/XX/2015, we have met all of the requirements and the DIL was approved by SLS. 
Again, I asking for SLS to send the documents immediately to the county for recording and send us the relocation assistance, that we 're entitled too. 
Awaiting your response. 
XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Ditech/GreenTree loan # XXXX XXXX XXXX, XXXX XXXX CA XXXXShort Sale was started with Ditech/GreenTree XX/XX/2015. 

XX/XX/XXXX we received a counter XXXXXX/XX/2015 we called Ditech/GreenTree to get a copy of the BPO. Their phone system hung up on us. Sent and email to the negotiator instead ( see notes ) XX/XX/XXXX we were tol the borrower had to call customer service to get a copy of the valuation in writing. 

XX/XX/2015 the borrower has called multiple times and left many voicemails. No one at Ditech/GreenTree will call him back. 
***ECOA ViolationXX/XX/2015 we sent a new offer package to Ditech/GreenTree via fax - the same fax number they have been using for several years, and throughout their change to 'Ditech'XX/XX/2015 Ditech/GreenTree told us to refax the offer package a to different fax number - XXXXXX/XX/2015 we spoke with " XXXX ''. XXXX said they still did n't have the docs we have already faxed twice. When we asked for a correct fax number, he laughed at us and said he did n't care that we had to keep refaxing the docs. He gave us yet another ( third ) fax number for the documents. They have been refaxed - this is the THIRD time they have been faxed to Ditech/GreenTree. 

We fully expect Ditech/GreenTree ( whatever they are calling themselves this week ) to tell the CFPB that we are lying. We know the CFPB has received LOTS of these same type of complaints. And I bet Ditech/GreenTree says the same exact thing every time. 

The simple facts are these:1. Ditech/GreenTree refuses to follow ECOA Guidelines regarding giving the borrower a copy of the value done in the decisioning process of their loan. 
2. Ditech/GreenTree is OBSTRUCTIVE in the short sale process. 
3. Ditech/GreenTree purposely defrauds their clients and their representatives. 

***When is Ditech/GreenTree going to be shut down and put in jail??? If I were to behave this way I would be FIRED, PROSECUTED, AND SENT TO JAIL!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have no idea why they keep calling me are and they keep calling me and leaving messages for me to call them which is against the law to harass a person for a debt that I do not recall ever receiving a letter but I have lots of messages from them and they are constantly calling me and breaking the law by doing so. It is now not a matter of a collection it is now a method of harassment and it is against the law what they are doing regardless if it is concerning a bill no one has the right to keep calling and calling and harassing anyone. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: To whom it may concern, XXXX negative accounts ( XXXX XXXX XXXX charge off accounts are NOT MINE. see attachment ) on Experian credit report are incorrect. Filed claim to Experian fraud accounts to be removed on XXXX/XXXX/2015 with enclosed all CERTIFIED RETURN RECEIPT communications with XXXX XXXX, police report. Experian is refuse and ignore to remove fraud accounts from my personal credit report stating to direct communication to XXXX XXXX or investigations ends. See attachmentsDuring the last 60 days investigations, Experian found that there were different version of my name on my report, I had to supply my ID and proof of residency and identity.Please see attachment. 
When I knew about these fraud charges was XXXX 2015 by a XXXX collection call. I contacted XXXX XXXX, grantor of the credit accounts through credit report, notified them there are fraud charges are made on my name, demand them to close account and validate via USPS Certified Return Receipts Three times to each grantor. XXXX XXXX ignored my request, never responded me ONE TIME till I filed dispute to credit reporting agency. Please attach documents. 
Now Experian is refuse to remove these XXXX fraud accounts from my record, accusing me that I did not communicate with Grantor, XXXX XXXX, knowing the fact that I had notified them since XXXX 2015 over ( Nine ) months. I filed claim to credit reporting agency dispute simply because I could not wait response from grantor any longer, I had to take an action against this fraud incident. 

Please see Expieran 's response attached. They stated as if I never contacted grantor, this is Impossible. I have been filing claim over and over to Experian, they are responding in only XXXX manner that I need to contact XXXX XXXX direct and XXXX XXXX does not want to do anything about it, and never even attempt to validate charges NOT EVEN ONCE. Just being silent party, meanwhile my credit is trashing as we speak! ( Please see attachments ) I am stuck with fraud account and Poor credit over 9 ( months ). 

Because of this credit fraud incident, my good credit line has been terminated due to dramatically dropped credit scores, I am devastated. Please helpPLEASE REVIEW MY ATTACHED DOCUMENTS, FTC, POLICE REPORT, EVIDENCE OF COMMUNICATIONS, HELP ME TO HAVE EXPERIAN TO REMOVE INCORRECT DATA FROM MY PERSONAL CREDIT REPORT. THESE XXXX XXXX XXXX ACCOUNTS ARE FRAUD CHARGES, I DO NOT KNOW ANYTHING ABOUT IT. 

Company response: Company chooses not to provide a public response
Consumer complaint: My complaint is a personal complaint but has ramifications throughout the mortgage lending industry. I recently agreed to a 15 year mortgage@2.875 % a very good rate that has since moved higher. However, I now believe my bank, USAA, is intentionally slowing the closing process down. We were supposed to close XX/XX/XXXX. It has been rescheduled five times! The last two of which were canceled 10 minutes before the signing, as I was on my way to the meeting! However, this is not my complaint. I see a broader issue here where banks can extend people 's refinance dates in order to potentially earn extra income from the existing loan ( given they continue to hold the original loan. ) I have no recourse. I complain but ca n't be refunded for the two extra mortgage payments I have paid and the {$800.00} in higher interest I have had to pay. Industry wide this practices costs consumers significant sums of money. I would love to work on an industry panel or regulatory body to fix this issue. Possible solutions could be a limited timeframe to complete a loan after which the bank will pay the difference in interest owned. Thank you for your time, I hope this reaches someone who will help people without any power. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: They are calling for someone that is not me They wo n't stop calling. 

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