AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Was told to fill out paperwork on the internet to lease an apartment for college. I was never approved for the apartment. My father was not approved as a guarantor. I received a collection notice 2 months later for a sublet fee of XXXX dollars. I called the collection agency and they do not have the paperwork to show where I owe a sublet fee, they said my application has approved all over it. The apartment complex says they can not talk to me once it has gone to collections. I was never called and never received a notice which they said they mailed for the amount owed. I was never approved so how or they going to charge me to sublet the apartment? This is fraud. 

Company response: Company chooses not to provide a public response
Consumer complaint: This past XXXX 2015 I opened a checking/savings account at Bank of America XXXX XXXX branch ... the representative who opened the acct told me I could just use my checking acct and I would be safeguarded w/overdraft protection as well. During the next few months I noticed the bank kept transferring some $ fr checking to savings seemingly at random which they called " keep the change '' which I was not told about nor did I want. In XXXX XXXX debited my acct right after I enrolled online w/my acct info when I did not have the funds, a few days later a cash advance company debited my acct for a loan after I spoke with them and asked not to as the funds were not in the acct yet ... the bank allowed these transactions causing my bank acct to overdraft {$300.00} + adding XXXX overdraft fees of {$35.00} each. I spoke with a rep to dispute the transactions and have them reversed including XXXX overdraft fee. I stated I would refuse to cover anything but XXXX overdraft fee as I was informed when it was opened I signed up for protection. They have kept the acct open now since then charging additional fees I get an email stating the acct is overdrawn at {$280.00}??? This is ridiculous ... this bank obviously has no ethical obligation or regard for its customers by ruining their credit history for their misinformation and total disregard. And I will not close this acct without them reversing all these bogus charges. I need assistance in this matter and how to proceed. I need to end this abuse on the part of this banking institution. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I attended XXXX University in XXXX, PA. 

I am filing this complaint with the XXXX as well as Wells Fargo in hopes that something will be done about this process before legal action is taken. I am currently making the minimum monthly payments on my student loans which I consolidated with Wells Fargo in hopes that I would get a lower interest rate and/ or payment. 
My payment is {$320.00} per month, and while this may be affordable to some people, I only make {$35000.00} a year. I ca n't afford to pay for this loan payment on top of all of my other bills, utilities and student loan payments. 
I tried to get forbearance for my loans at the beginning of the year. I called and asked to have the forms sent to me in XXXX. I waited 2 weeks, and nothing was sent. I called again in XXXX. Again I waited, and nothing was sent, I called again, and finally received the forms in the mail. I was told that if I was granted the forbearance, then the past due balance on my loans would be " reset, '' and I would not have to worry about it. 
Because of this, I allowed the past due balance, and late fees to accrue. The process for my student loan review took more than 2 months, and I was eventually told that my request was denied. I was devastated because my credit score had taken a major hit due to these loans, and I was in the process of getting reviewed for a home equity loan. 
Because of the bad information that I was given by Wells Fargo, my credit score is extremely low because I can not afford to pay the past due payment, my home equity loan was denied, and I am forced to continue to accrue late fees, and penalties. 
I hope that your representatives will be more honest with the process in the future, and I also hope that you will make the process shorter for payees who need payment assistance. 
I have made every reasonable effort to resolve this issue, but Wellso Fargo will not accommodate any of my requests. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a XXXX corporate accounts with US Bank, XXXX checking and XXXX Money Market. I am the single and only shareholder to the corporation there are no other signers or anyone else authorized on my accounts. On XXXX XXXX, 2015, my corporate bank accounts and information were breached by XXXX XXXX XXXX manager of US Bank. My ex husband went into US National Bank and without my knowledge or permission obtain from XXXX XXXX XXXX my corporate bank account numbers and their balances, XXXX XXXX the bank manager, took it a step further and provided the corporations profile which included the Federal Tax I '' D #. Currently, there is a restraining order against my ex-husband which my branch of US Bank is well aware of. My ex-husband went to a branch where he knew the manager in order to illicit and obtain information that he was not privy to. At the time I open the account XX/XX/XXXX with US Bank, I was required to put in writing any other person or persons authorized on the account and all shareholders, which there were none, again, XX/XX/XXXX, I was required to provide the same information. 
XXXX XXXX at the time he accesses the accounts for my ex-husband could clearly see that his name was not on any of the accounts for XXXX XXXX XXXX XXXX, and if there were any doubts, a quick telephone call to my opening branch would have confirmed the following : My ex husband is not part of the corporation in any form and there is a restraining order against him and he is not on any of the corporate accounts nor has he ever been. Now knowing this information it is completely baffling to me, that anyone could walk off the streets and present absolutely XXXX and obtain bank statements, corporate profile, tax id number. By XXXX XXXX providing the Tax ID number and profile to my ex husband this has caused catastrophic harm to me both financially and medically. This action by US Bank has set back and impeded my recovery from recent XXXX, and more recent XXXX. I am expending energy, time and resources which I do not have on US Bank 's egregious and willful act. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX keeps calling me repeatedly from phone number XXXX I mean back to back calls, I will be more than happy to provide my cell phone records and she will leave one message but then keep calling and wont leave another message. TODAY XXXX/XXXX/2015 was it for me she called me from her cell phone repeatedly which is phone number XXXX and I do not appreciate that one bit. She is very rude and very hateful. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Am Filing this complaint because XXXX has ignored my request to provide me with the documents they have on file to verify the accounts I disputed under section 611 ( 5 ) ( a ) of FCRA thy are required to promptly delete all information I requested that can not be verifiedPlease resolve this manner as soon as possible Thank You 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I have a mortgage on our home that is serviced by Wells Fargo. The last home appraisal on our house, that was done at the time we re-financed through Wells Fargo, was {$240000.00}. On my XX/XX/XXXX statement, it shows that we have paid that down to {$190000.00} which is over 80 % LTV. So I called Wells Fargo to ask them to remove the PMI charges from my mortgage payment. I was told that I would either have to pay for an appraisal, or pay an additional amount over {$3000.00} in order to bring out LTV ratio up even more and then they would drop our PMI charges. The Homeowner Protection Act XX/XX/XXXX states that I should be able to call the company when I have paid more than 20 % of the equity in my home and the company is then obligated to remove the PMI charge. When I asked to speak to management and brought this up, I got a serious run-around. Then they told me that it could probably be removed, but that they would have to escalate it to some other department at Wells Fargo. When I asked how long that would take, they said it would take 10 days. So I told them I would call the XXXX Consumer Protection Agency the next day, and then they told me that they would get back to me within 48 hours instead of 10 days. This conversation between me and the people I spoke to at Wells Fargo happened less than an hour ago, but I am filing this complaint anyway since I feel this is against the law, and another example of big bank fraudulent activity and abuse. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was given a loan from Countrywide for 100 % of my purchase price on XXXX. 

I am currently in Foreclosure. 

Please help me and my family save our home. 

Thank youXXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I received an estimated escrow analysis from ditech on XXXX XXXX. I was informed that my monthly mortgage payment would raise {$200.00} to make up for a shortage in my escrow account. Ditech mistakenly had estimated that my property taxes would be paid twice a year and I only pay them once. This led to the " shortage '' and increase in my payment. I called immediately XXXX XXXX XXXX ) to correct the issue and was told that an updated escrow analysis would be completed fixing the mistake. My payments would not change according to the person I spoke to. I called again on XXXX XXXX and was told the issue was not resolved and my correct escrow analysis was never completed. I was also told I would be called back the next day when the issue had been taken care of. I called the next day and was told again that nothing had been done to correct the company 's error. I was then told that they needed 5 business days to fix the escrow analysis and I would be called back when it was finished. I was called on XXXX XXXX and told that the escrow analysis was completed on XXXX XXXX and mailed to me. I needed to call customer service to get the payment amount corrected. When I called customer service, I was told that the escrow analysis still had not been shown as completed and that they had until XXXX XXXX to complete it. I was also told that, at that point, it would be too late to fix my XXXX payment and I would just have to pay that amount. I called again today and was told again that nothing was shown as being adjusted on my account, but that they would request that someone from the tax department would call me tomorrow. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: My brother-in-law and I jointly own a condo in XXXX XXXX XXXX, FL. We are current on the mortgage but are underwater by about {$80000.00}. In XX/XX/XXXX, Suntrust offered us an interest only mortgage which they refinanced in XX/XX/XXXX by increasing the payment by about $ XXXX/mo. We also were offered a XXXX mortgage in XX/XX/XXXX with options that we have been paying as an interest only loan for about 8 years. This will reset in 2 years and our payment will go up about {$600.00}. 
We have the apt . rented but do not receive enough rent to cover all costs. We are short about {$900.00} a month which we have been paying for with savings. 
We both have excellent credit but have had a really bad year. My husband died last year which resulted in my loss of $ XXXX/mo of income. I also had another rental property that was used as a XXXX house which cost me {$50000.00} last year until I sold it as a loss. My brother-in-law had a XXXX and was in a serious car accident in XX/XX/XXXX which resulted in XXXX. 
We are trying to get these XXXX loans which are owned by Suntrust modified with lower payments. If they would combine them or modify them, then we could continue to make the payments. 
In fact, my renter is willing to purchase the property as a short sale. 
Suntrust has been very difficult to deal with. They keep on asking for more papers, corrected papers, additional documents. I received a call this morning telling me that the bank statements that my brother-in-law submitted on XX/XX/XXXXare out of date and that he needs to submit new documents. This call also requested a current social security letter even though he had submitted the info XXXX/XXXX/XXXX. I have had to resubmit other documents at least 3 times for very minor issues-like no postal code, corrected dates. They are also telling me that if they do n't receive the paperwork by XXXX/XXXX/XXXX, the file will be closed. 
Also, they are calling me almost every day with different items that they need and sending paperwork requests that do n't match the calling requests. 
Both of us are retired and we are trying not to default on this property. Hopefully you can help us. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been trying for last 3 years to get a loan modification from Select Portforlio. They have not helped me and set a foreclosure sale date on my home for XXXX/XXXX/2015 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had to short sale my home which involved a XXXX mortgage and a XXXX mortgage. The sale finalized on XXXX 2011. The XXXX mortgage shows the loan paid and cleared on my credit report as of XXXX 2011. Citibank, who held the XXXX mortgage, is still showing the XXXX mortgage as currently late on my credit report. I have spoken to Citibank and have sent them THEIR paperwork that shows they accepted payment but I have only received a letter back from them asking that they can not do further research until I pull my credit and give them a detailed explanation. I have spoken to XXXX representatives who have told me they will take care of this and still I am waiting. I need this cleared so I can complete the purchase on my new home. 

Company response: Company chooses not to provide a public response
Consumer complaint: I took out a loan XX/XX/XXXX with Western Sky for {$2500.00}. The first payment ( {$150.00} ) was drafted from my XXXX checking account XX/XX/XXXX. My monthly payment amount is ( {$290.00} ). I am current with the loan as of this writing. I have paid ( {$13000.00} ). For the last two years, a company XXXX has been calling my residence and cell phone XXXX times a day. They are requesting that I sign some form of documentation about my payments. For the last six months I have repeatedly asked for documentation concerning my loan, the payments I made, the amount of interest, etc. Only after threatening to stop the bank draft did they finally send me the information. These documents were mailed to my home. I was shocked to discover that I have paid back my original loan amount over five and one half times. 
XXXX is still calling both my home and cell phone several times per day. After doing some research on Cash Call, Western Sky and Delbert Services Corporation, I discovered that these are illegal loans and that in fact as of XX/XX/XXXX, Cash Call, Western Sky and Delbert Services Corporation are being sued for issuing illegal loans. In addition, according to a statement of charges filed by XXXX Department of Financial Institutions, XXXX XXXX, Western Sky, Delbert Services Corporation are all owned by one man, name not given. After reading more reports I also discovered that WS Funding, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX other companies are also part of this illegal loan. I feel as if I have been a victim of fraud by an illegal company. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a complaint with Bank of America XXXX/XXXX/2015 - Case number : XXXX and thought that my issue has been resolved. The issue is that my saving account that was converted to a checking account was continue to be assessed fees then charged of. This account was not suppose to be converted to a checking account. It was to remain a savings,. I was advised today by a rep that I was accessed monthly service charges from XX/XX/XXXX - XX/XX/XXXX and the account was forced closded XXXX XXXX. another bad servicing item and after being advised of the error for the 10th time. No one corrected. 
Orginal complaint verbiage : My # 2 complaint is that I had my savings account converted to another Checking Account without my notice or approval and now I am being charged a monthly maintenance fee on that account. I have advised BOFA of all of my concerns and they have not attempted to investigate or make any corrections. These fees have been accessed without me being aware. This is an unfair act or practice. And a violation of UDAAP.The Dodd-Frank Act prohibits conduct that constitutes an unfair act or practice. Anact or practice is unfair when : ( 1 ) It causes or is likely to cause substantial injury to consumers ; ( 2 ) The injury is not reasonably avoidable by consumers ; and ( 3 ) The injury is not outweighed by countervailing benefits to consumersor to competition. 
Confusing marketing strategies and lack of disclosure of terms of checking and savings 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage has been a nightmare since my financial distress due to XXXX XXXX leaving me unemployed, force to file bankruptcy to keep Bank of America from taking my home. It took them two years to approve a modification while I was in bankruptcy. Now my bankruptcy has been discharged Bank of America has not reported any of my Mortgage payments for the last year. I was told to write the credit bureaus and dispute this really. My mortgage is {$1800.00} way over my budget I am paying to qualify for refinance. Now it is time to refinance of course Bank of America says no wow because they do n't see a payment history on my credit for mortgage, I am sick and tired I do n't know what to do. I am literally sick and I am limited with fighting with them again. Please help me I am a XXXX veteran with a VA loan feeling trapped. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently saw that my credit score had been downgraded on Experian based on XXXX releasing this information to Experian. I spoke to a Experian agent XXXX XXXX XXXX on XXXX XXXX and the course of action recommended was to complain to XXXX and Consumer Protection. 
The history of this in fact is as follows ... 
The dispute on the amount of payment has been going on since XX/XX/XXXX 2015. I have evidence when I have repeatedly reached out to XXXX via social media, contacted XXXX via phone to settle the account. 
I even supplied evidence of the disputed account to XXXX collection agency on XXXX XXXX. Then supplied evidence of dispute to XXXX collection agency on XXXX XXXX. Agreeing to pay what I considered a fair amount for services used. 
The most recent encounter was again me contacting XXXX XXXX to settle the account, only to be told that this was with the collection agency. The account has since been settle and closed. XXXX XXXX XXXX 2015 with XXXX XXXX of New Jersey XXXX. 
The question is, that this account has been in dispute since XX/XX/XXXX, there was no action from XXXX, till i called them to settle the account in XXXX, after which it was promptly reported to the Credit agency. This is unfair and I am being penalized for trying to do the right thing. 

Company response: Company chooses not to provide a public response
Consumer complaint: I started a SunTrust bank checking account online on XXXX/XXXX/2015. I was able to access the online portion and got my account and routing numbers so I could direct deposit my paycheck. When I checked back a few days later, I could n't access the online banking. I called SunTrust, and they said they could n't verify my identity, so I could n't get online banking until they sent me a verification card to my address, that I would sign and mail back. After a few weeks, I still had not received the verification card, so I called back, and SunTrust informed me that my account was closed for " rules violations '', although they would not tell me what rules I violated. They gave me no warning that my account was about to be closed, or anything I could do to keep it open. They said the account would be closed and I would be sent a check. A few weeks after that, I receive a statement for my account, which I thought was closed. I called again ( XXXX/XXXX/15 ), and SunTrust informed me that my account was still in review to be closed, and I would not receive the paycheck I had deposited until the review was done. They could not give a time frame for the review to be done. I opened this account with a promotion, in which if I deposited over {$2000.00} I would receive {$200.00}, and I believe that because I was very close to achieving the promotional balance, they closed my account. Now they are refusing to send me back my money. 

Company response: Company chooses not to provide a public response
Consumer complaint: My loan was sold to a different servicer. I set up bill pay with my bank. The new servicer rejected my first payment. When I called to find out why, they advised that they had received my payment but were rejecting it as their policy was to not accept bank billpay for the first payment after a transfer. I asked how I was to know that and the agent referred me to my welcome package. We reviewed the welcome package together and the agent, and a supervisor, confirmed that nowhere in the welcome package did it indicate that a billpay payment would be rejected XXXX the instructions even provide a reminder to update the billing information with the billpay provider! XXXX. When I raised this with the supervisor, she advised that they knew the welcome package was wrong and they had not gotten internal support to update the letter content to indicate that initial payments would be rejected. I let her know that I could not believe they were letting this happen as it would mean that every transferred customer would have a rejected first payment and therefore a late payment. Her response was that late charges would be waived - I told her that was not the point as we were not intending to pay late. I was given the option to make another payment with the agent to replace the one I had already made that was rejected - for a {$15.00} fee. Completely unacceptable service from Seneca XXXX Servicing. 

Company response: Company chooses not to provide a public response
Consumer complaint: I previously complained about bank of america about the reporting on my discharged accounts during and after my bankruptcy.They agreed to remove the negative remarks they were showing that were in addition to the bankruptcy notation.Now once again they have added those remarks back.They have my account marked as discharged in bankruptcy, but then under history through XXXX they say ( late 90 plus days ) 1 time in the month of discharge.Then under ( worst delinquency ) collection.No discharged loan can ever be late or be in collection by federal law.Also they previously agreed to remove these marks on other complaints 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a mortgage with WELLS FARGO that is in BANKRUPTCY. I have complied and made all of the payments on time for almost five years. I made arrangements with the taxes and was making monthly payments on my taxes on the home. The home is a reverse mortgage. I paid the loan off. Wells Fargo stated that they paid my taxes without my knowledge and added thousands of dollars more than I owe. They are trying to make me pay XXXX dollars a month on my Bankruptcy. I am already paying XXXX a month and is almost done with my Bankruptcy. I never asked for my bankruptcy to be modified. This is all being done behind my back and without my knowledge. PLEASE HELP ME. THIS IS WRONG!!! 

Company response: Company chooses not to provide a public response