AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I received a call from my mother that this company, Coastal financial solutions LLC was trying to get ahold of me about a past due payday loan. I called the company back immediately to figure out what loan they were talking about and to update my information so they could get ahold of me directly. A representative named XXXX XXXX answered and immediately told me I would be facing jail time if I did not cooperate and make a payment. First I needed to be reminded of this loan - it was over 2 years ago and had slipped my mind. I asked him if I could give him my updated info to get ahold of me and he said no. He stated until I make a payment they will continue harassing distant family to get ahold of me. I advised him that he needed to work on his customer service skills as his tone was getting loud and aggressive. I told him that I would be understanding because I 've worked in customer service, he immediately interrupted me and yelled that the reason I have this debt to begin with is my poor customer service skills which obviously got me fired from a job. This is completely untrue, I was not fired nor did I have a customer service job when this loan payment lapsed. I had a death in the family about a month after i received the loan so it had slipped my mind I had to move and get a cheaper phone so my address was different as well as phone number. This representative XXXX XXXX accused me of flying under the radar purposely as to not have to pay this loan. At this point I 'm fighting back tears while I 'm at work because I do want to resolve this issue, but the REP continued to interrupt and talk over me threatening me, telling me I 'm basically stupid because I have a past due payday loan and trying to make me believe he is the only thing that can keep me from going to jail. I finally just started saying ok as he continued to belittle me so I could get this issued resolved. I asked to speak with a manger and he deined my request saying that he is the only one who works there and has been assigned to my case. I noticed online that other people have also had trouble with Coastal Financial Solutions LLC and it needs to stop, we are all human beings with feelings and difficult life situations. This rep was so rude and derogatory, I tried to stand my ground but he would not let me speak. He made me feel as if I have no options left. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: My parents bought me a XXXX gift card for my graduation on XXXX 2015. A week after they bought it I decided to look at the balance on the card and I discovered that an unauthorized puchase had been done, this left no funds in the card. The card had not left the house and it had n't been used once since it was bought by any of us. Once I learned of this me and my family took a multitude of actions to find a solution to this problem. We sent a fax and email to BankCard Services Disputes and we made multiple phone calls to them as well. On XXXX XXXX we received a letter informing us that they were setting our claim in our favor and they were issuing a credit to the account, the same account they closed because of the unauthorized transaction. A week later I called them to inform them that we had moved and had a new address. I 've called a couple times after that and every time I call I get the same answer : We are going to send you the card, wait about 5 or 6 weeks. We have been waiting for several months and still have no card. 

Company response: Company chooses not to provide a public response
Consumer complaint: Phone call on home landline phone from Advance Capital Solutions claiming to be a debt collector and alleging that I have an outstanding debt from 2011 to XXXX in the amount of approximately {$160.00}. Wanted me to pay it immediately by credit card or send check. I told them the debt was not mine and requested a copy of the XXXX membership contract with my name. They kept insisting it was my debt and I needed to pay it. I said when I receive information then I will probably file a police report of identity theft if it truly shows my name and address, etc. I gave them my address to mail to. They said they would, however since then I have found by using their phone number on the internet that they are either a scam collection agency or a real agency with fraudulent practices. Phone number was XXXX Ext XXXX XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Hello, Every so often my mortgage seems to increase significantly between $ XXXX and I am now retired and my husband is on Social Security XXXX. We XXXX are on a fixed income every month. I am also taking care of my elderly mother ( XXXX XXXX XXXX ) who has to live with me due to her medical conditions. With the sudden increase in monthly mortgage payments ( from {$1500.00} to {$1800.00} ) we are unable to keep up with the mortgage with Wells Fargo and XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received a call from a person stated his name was XXXX, ( XXXX ) XXXX, at about XXXX XXXX, on XXXX XXXX, 2016, with Fair Collection and out source. I asked why he was calling me at this late hour. This is when he stated he was attempting to collect a debt i owed. I advised him that under California Laws he should not be calling me at this hour. He was rude toward me. I hung up the phone. It should be noted after I hun up he called bace again. 

Company response: Company chooses not to provide a public response
Consumer complaint: " Consumer Protection Bureau '' ... what a joke. These XXXX guidelines are nonsense. All this is doing is delaying closings, causing rate lock extensions, and ultimately hurting the borrower, not " protecting '' them. I have had XXXX closing delays due to " disclosure ''. If the borrower receives a Closing Disclosure and the number matches the Loan Estimate why are they required then to sit around three days before they can sign and close? It makes no sense. It is clear that the government officials and the people within the CFPB who set up these rules have no real world lending experience. Why is this now the most regulated financial industry? This needs to be remedied. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was a student at XXXX XXXX XXXX from XXXX of XXXX to XXXX XXXX. A school official applied for a XXXX XXXX XXXX ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( XXXX XXXX XXXX ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX Bank the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX Bank. The representative from XXXX further advised me that XXXX Bank was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, and Experian. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been on the phone with Wells Fargo Bank several times but on XXXX occasions for over 2-1/2 hours each time trying to resolve an issue since XXXX XXXX ( that 's XXXX days ). I 've been transferred so many times with no one able to give me an answer to my issue. The worst call was when I was on the phone for XXXX minutes and transferred XXXX times ( I wrote all the names or the reps and the departments as I kept getting transferred ). 
The issue I 'm trying to get resolved is I made XXXX transfers from an account I have with another institution, originating the transfer from the Wells Fargo online banking Transfer option. I cancelled XXXX of those transfers which Wells Fargo confirmed cancellation of, but my other bank still sent the funds. I contacted that bank and they gave me provisional credit until the funds went back into my account with them. Wells Fargo can not find the funds. They have no tracking number ( or so they tell us ) for the funds they returned when the transaction was cancelled. So, neither bank has the funds. A representative from my other bank was kind enough to do a XXXX way call with Wells Fargo, which lasted XXXX min with no resolution. Wells Fargo 's ACH department is only internal so we could not speak to a representative directly but were told that there was nothing they could do or provide so that my bank can trace where the funds went. I 'm out {$300.00} with Wells Fargo and my account with them is overdrawn because of this, causing a much needed prescription that I have on autopay to be declined. No apology from Wells Fargo was received even when they assured me that any transaction that was pending would be honored. 
I 've been talked down to, insulted, yelled at and talked over when I 've tried to explain the situation to the various representatives I was transferred to. Before each call, they state " This call may be recorded '', I sure hope the calls were recorded so that at some point they can be played back! I was made to feel like a XXXX and when I told them I had paperwork I could email or fax to them from my other bank to help with the investigation, I was told that their email was only internal and there was no fax number they could provide me. 
My level of frustration has reached it 's limit with Wells Fargo, and so I 'm filing this complaint. 

Company response: Company chooses not to provide a public response
Consumer complaint: Ally bank was sued because they were charging minority borrowers higher interest rates for their auto loans between XXXX XXXX and XXXX XXXX. I purchased my vehicle and was Finaced by Ally Bank on XXXX XXXX XXXX. I was financed for XXXX my first payment was made XXXX XXXX XXXX. A third party individual contacted Ally bank XXXX/XXXX/XXXX and spoke with a representive name XXXX ( ID # XXXX ) he advised her i was charged XXXX in finance charges between XXXX XXXX- XXXX XXXX I owned the car for 25 months.. and was being charged round figure of XXXX ( Est ) dollars in finance charges a month..this is defamation of character i request ally to refund me ALL of the Finance charges ive paid there company between XXXX XXXX until XXXX XXXX. Ally went against the ECOA implemented by the board of Regulation B that prohibits discrimination in any aspect. ALLY racially profiled me as XXXX due to my last name being XXXX then decided to charge me a higher interest rate. Ally Violated the FCPR Which assures Fairness of consumer Financing..A third party individual spoke with Allys customer service representatives on XXXX/XXXX/XXXX they Released my account information to a third party who does not have a direct connection with this transaction. IN fact they were knowledgeable enough to call her madam throughout the call but not once requesting to speak with the primary account Holder and she was able to get access to all of my account information Which Violated the Privacy act of XX/XX/XXXX ( Pub.L. 93-579, 88 Stat. 1896, enacted XXXX XXXX, XXXX, 5 U.S.C. 552a ), 

Company response: Company chooses not to provide a public response
Consumer complaint: First I received mailings from these people saying they would get me a 30 year mortgage at a rate of 3.25 % and skip XXXX mortgage payments, no out of pocket costs and my new payment would be {$1000.00}. Upon calling XXXX XXXX told me the best he could get me without out of pocket costs would be 3.75 %. and my monthly payments would be {$1600.00}. Also a return of my current escrow balance. As you can see this is nowhere near what was sent to me in the mailing. He called me back several times trying to sell me on this. I told him I wanted to see it in writing and I know that is required to be sent after 3 days of receiving a quote which is what was done over the phone. This was XX/XX/XXXX that I requested this. The last conversation with XXXX he got real rude with me to the point when I told him I wanted to see it in writing that I hung up as this is poor business practice. He told me sending me a quote was a waist of his time. I told him it was required by law. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: i was a victim of identity theft, so i put a freeze on my account. due to the identity theft, under california law i can freely do temporary lifts. at equifax and experian i can easily go to their freeze website and use the pin they sent me to temporarily lift the freeze, but at transunion i was forced to setup an account and even then using my pin i 'm charged {$10.00} to temporarily lift the freeze. i 've called to manually lift the freeze, but that is a long process since it is almost impossible to get to someone to speak to and impossible to do on the weekend. i 've asked them various times to fix it and the response i get from customer support ranges from, we ca n't to next time it will work ... it has become so burdensome that i 'm willing to pay the {$10.00} to do the lift. 

Company response: Company chooses not to provide a public response
Consumer complaint: I attended XXXX XXXX and did not qualify for an certain amount of aid so I was told they would provide a private lending loan. I was not fully aware that these loans can only be put into deferment for only six months after me graduating. I am currently in school and can not make these payments. This degree that XXXX offered does not qualify for any jobs these days. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Wells Fargo refuses to release funds in our account or tell us why it wo n't release funds. 
My husband and I are the successor trustees on a trust account. We opened this account in the XXXX of 2015. At the time we provided Wells Fargo a legal opinion from a lawyer and XXXX written statements from licensed physicians that the original trustee was incompetent. We also provided the pages from the trust naming us successor trustees in such an event. Wells Fargo opened the account and accepted the funds deposited into it. On XXXX XXXX, 2015, Wells Fargo wrote us a letter saying it was closing the account and would mail us a cashier 's check for the balance on XXXX/XXXX/15. It never mailed us the cashier 's check, and it has refused to release the funds or tell us why it wo n't release the funds. The balance which Wells Fargo refuses to release is {$10000.00}. When the promised cashier 's check did not arrive, I went to the bank in XXXX to ask for it. Wells Fargo told me there was a " debit hold '' on it, but it would not tell me any more information. My husband and I then made an appointment to speak with a Wells Fargo banker about this on XXXX XXXX, 2015. Wells Fargo confirmed this appointment by e-mail and telephone, but then no banker would meet with us. After thirty minutes we went to a teller window and demanded to see a banker. A banker finally met with us, and we presented identification and demanded a cashier 's check. The banker said the was a " debit hold '', and we demanded to know the reason for it. The banker asked us to wait while she investigated it. We left after an additional forty minutes and demanded she telephone us with the reason why Wells Fargo would not release the funds. She did telephone later that day to say she was still investigating and it might take until the next week. On XXXX XXXX, 2015, this banker asked us to provide the Trust title page, execution page, and pages naming the trustee and successor trustees. Even though we provided all of this when we opened the account, we had our lawyer provide the requested information to the banker. Now, one week later, without any request by Wells Fargo for any more information, Wells Fargo continues to refuse to release the funds and it refuses to say why it wo n't release the funds. 

Company response: Company chooses not to provide a public response
Consumer complaint: My client entered into a repayment agreement with Financial Asset Management System ( hereinafter referenced as " FAMS '' ) on behalf of XXXX. My client was in default on private student loan and he was given to understand his agreement would cure that default. This agreement was entered into on XXXX, 2014. My client is attempting to purchase a home and has a respectable credit score. However, he is being denied his loan because FAMS and/or XXXX is falsely reporting his is delinquent. This slanderous intentional misrepresentation is actively damaging my client. 

Company response: Company chooses not to provide a public response
Consumer complaint: On or around XXXX XXXX, XXXX, I received a XXXX ( Cancellation of Debt ) from SPS Mortgage. The date of identifiable event is XXXX/XXXX/XXXX. SPS Mortgage continued to collect mortgage payments before and after the identifiable event date. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My mortgage company is FlagStar an I have been trying to do a loss mitigation with them for 3 years now. The first time around in XXXX they randomly closed my case, even though I called monthly to check on it. Their reason for closing given to me was I was suppose to send in a monthly of my pay stubs and bank account. This information was never portrayed to me, in which I was never given the chance to comply. I tried again in XXXX submitting multiple applications with no reply. I then contacted HUD in XXXX and had a councilor sit in on a conversation with FlagStar in which they denied me saying I never submitted an application. I then submitted an application while still on the phone without saying so and they still denied, saying I did not. It was n't until a supervisor was called, did they omit I submitted an application. I submitted all the information that was required of me and checked in every 2 weeks to see how the application was goin. When all of a sudden once again they denied me saying that I did n't make enough money and that I would have to do a " Short Sale ''. This was around XX/XX/XXXX and I still am in possession of my house and am scraping by to make payments. 

FlagStar has denied me Loss Mitigation at least 3 times and without notice, I had to call to find out that they randomly closed and or dropped the application. In which they gave me a random excuse for their actions which had no ground. This is n't right, why am I being denied by FlagStar. They should n't be able to just deny an application for any random reason they can come up with and without notice. 

Company response: Company chooses not to provide a public response
Consumer complaint: They have called at XXXX in the morning to sometimes XXXX at night, when I answer, no one will say anything, they just hang up, they call 5 to 7 days a week, will not leave a message and sometimes I will hear music in the background. I have asked them to stop calling if no one will answer and they continue to do so. I have checked sites where there is complaints about this happening to them with this same number. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo Dealer Services, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX Insurance Coverage is obviously running some kind of scam on its consumers. My car was totaled in front of my residence while parked by a drunk driver. I had insurance and gap insurance however both insurances did not cover the entire balance of $ XXXX.The insurance failed to indemnify me and they also failed to disclose the nature of the gap insurance at the time of loan signing. It was my understanding that the gap insurance would cover the gap if an accident were to occur. Also, there was an insurance coverage offered by XXXX that was for the car which they are stating is non-refundable. I am not sure why they are withholding this {$700.00} upfront fee when it has not been used. I purchased this vehicle in XXXX 2015 and it was totaled XXXX/XXXX/2015. The {$500.00} balance, Wells Fargo is penalizing me for this and refused to lower my payments and/or refinance the {$500.00}. I am suffering the repercussions of fan accident that was not my fault. My credit is going t o be affected even after I ensured I was insurance to the fullest. I spoke with XXXX at the office of the President at XXXX XXXX-XXXX complain # XXXX and they are still unable to assist me as the consumer. The insurance companies have failed to serve its purpose, they have not indemnified me they have not made me whole. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX. This complaint represents a new complaint against US Bank. This focuses on the XXXX XXXX District Manager of US Bank, XXXX XXXX, for actions that seek to discriminate against me as a XXXX person. 

A prior complaint was filed XXXX XXXX XXXX against the XXXX Branch of US bank for refusal to accommodate my XXXX when XXXX tellers refused to help me complete a deposit slip despite my pleading with them for help and their mocking, shaming, belittling and embarrassing me ( teller even mocked me saying " oh I have pain toooooo '' ) in front of bank staff and patrons. After a phone conversation the next day with the branch manager, the situation was turned over to XXXX XXXX to handle. 

2. This complaint arises from a separate incident on or around XXXX XXXX XXXX in which XXXX XXXX states he has no plan to take any disciplinary action against either teller or the branch manager for their refusal to accommodate my XXXX, rather his plan is to " move forward '' to which he explains that he wants me to return to patronizing the bank by asking for either the same teller name XXXX or for the branch manager to wait on me. He also verbally refused to take any of my solutions into consideration including a simple apology from the tellers. When I told him that it is traumatic, inconvenient and discriminating for me to have to deal with the same people and to have only them wait on me, he said that I need to move forward and try to work with the situation. When I asked him if he did any XXXX training with any of the staff or if he planned to, he said it was not necessary. He refused to listen to me further and said he needed to go. I told him I was not happy with this as a solution - however in the prior complaint he falsely claimed that I was ok with what he proposed. I am NOT ok with him continuing a new discrimination against me and having me being treated differently than other customers going into the bank. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX made an inquiry on my credit report without my permission and Transunion allowed them to. I am getting the run around from both XXXX XXXX and Transunion on why this happen and to cease this from happening in the future. After speaking with the XXXX person, XXXX, at XXXX and being hung up on 4 times he told me to contact you. 

Company response: Company chooses not to provide a public response