AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I applied for a PayPal MasterCard and when I received the denial it provided an inaccurate credit score. Their denial stated that my score was XXXX with XXXX when my actual score is XXXX. I monitor my credit with each reporting agency and pay to get my fico score with each bureau. Why would they make up a score for denial purposes? Also the stated I had to many inquiries, before them I only had XXXX on XXXX, XXXX on XXXX, and XXXX on XXXX. I would like the hard inquiry removed from my credit report since they are providing me with inaccuracies regarding my denial, credit report and scores. Only solution is the removal of the hard inquiry. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My loan was sold from XXXX XXXX to Freedom Mortgage. We were in a loan modification program with XXXX XXXX and we were full filling all terms of the agreement. Once the loan was sold to Freedom we started to recieve unpleasant phone calls. One representative, named XXXX was totally unpleasant, rude, obnoxious and un professional. The company claims to not have our paperwork and they clain we are over {$16000.00} in arrears. This is totaly false. Our pleas fall on deaf ears. When we call we are directed to XXXX. And I refuse to speak to this person any longer owing to his rude and crass behavior. We have fullfilled the terms of our loan agreement. But Freedom refuses to speak to us about this and they instead threaten to foreclose on our house. This company is impossible to work with. During one phone call XXXX asked if my wife was home. I told him no. Then my daughter entered the room and spoke to me. XXXX then relayed to me that he knew my wife was at home and he inferred that I was lying to him. Experiences like this are very much the norm with this person and this company. We have read XXXX complaints online from other consumers who have been subjected to similar treatment. We do not want to lose our house, be in arrears or be subjected to any more threats, poor service, insults or lack of professional communication. 

Company response: Company chooses not to provide a public response
Consumer complaint: Loancare forgot to pay my homeowner 's insurance. Called and received notice of cancellation on first week of XXXX. Contacted Loancare and they informed me that it was all taken care of and that it was paid. Received phone call XXXX/XXXX/16 and informed me that homeowner 's insurance was cancelled the XXXX of XXXX due to nonpayment by Loancare. Now I have to pay out of pocket {$1300.00} and my house is apparently not insured, even though I am making payments to Loancare. 

Company response: Company chooses not to provide a public response
Consumer complaint: AmeriFrist pulled my wife 's and my credit on XXXX for what they claim is to sell our loan. Unfortunately, AmeriFrist sold our loan to XXXX back in XXXX. 
Below is what has transpired with AmeriFirst. 


XXXX/XXXX/XXXX XXXX made a hard credit pull on our credit. 

XXXX/XXXX/XXXX I called XXXX to see what the hard pull was for. XXXX told me that is came from The AZ branch of AmeriFirst. 

XXXX/XXXX/XXXX I called Ameri First and they transferred me to you. I explained to XXXX XXXX at AmeriFirst what was going on and XXXX XXXX at AmeriFirst said " let me research it and I will get back to you ''. 

XXXX/XXXX/XXXX After a week went by and I heard nothing. I called XXXX XXXX at AmeriFirst back. XXXX XXXX at AmeriFirst explained to me that " that when we went through Ameri First to finance the purchase of our new home we signed a " Blanket '' statement allowing Ameri First obtain any information they needed to sell our loan on the second market and that includes hard credit pulls ''. I asked how many times will Amerifirst pull our credit? XXXX XXXX at AmeriFirst said " As many times as they want, but the credit report is good for 90 days. Did n't you read what you signed? '' I requested a copy of the " blanket '' statement and our credit report. XXXX XXXX at AmeriFirstsaid no problem and that we would also would receive a letter from your legal department explaining what is going on. 

XXXX/XXXX/XXXX I called XXXX XXXX, who has serviced our loan since XXXX/XXXX/XXXX. I explained to them what was going on and asked if they were trying to sell our loan. They told me no they are not selling our loan and they do not know who AmeriFrist is. 

XXXX/XXXX/XXXX I called XXXX XXXX at AmeriFirst and explain to you what XXXX said. You said the same thing again " AmeriFirst has the right to pull your credit when we are trying to sell your loan. '' I then asked " Why would Ameri Frist need pull our credit to sell our loan? XXXX is servicing our loan and has been since XXXX? '' XXXX XXXX at AmeriFirst said " let me research it and I will get back to you ''. 

XXXX/XXXX/XXXX We received in the mail a copy of the " blanket '' statement, the HUD and a letter from XXXX XXXX at AmeriFirst stating the same thing about selling our loan on the second market and how AmeriFrist has the right to pull our credit. There was no credit report or letter from AmeriFirst 's legal department. 

XXXX/XXXX/XXXX I called XXXX XXXX at AmeriFirst to ask what is going on and to call me back. 

XXXX/XXXX/XXXX XXXX XXXX at AmeriFirst called left me a message and asked me email you my complaint and what my expectations are. 



Since my loan servicer does not know who AmeriFrist, and AmeriFrist no longer has anything to do with our loan since XXXX of XXXX it makes no since why AmeriFrist would pull our credit in XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My mortgage broker made an unathorized withdrawal from my checking account in the amount of {$3000.00} which includes a XXXX dollar wire transfer fee as my mortgage is {$2700.00} they helped themselves to {$230.00} additionally. It is criminal that any entity can withdraw funds without your permission. I want sanctions against Ditech Financial for robbing my account. Thank you XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: in XXXX i spoke to my mortgage company to try to ask for a deed in lieu of foreclosure. They would not speak to me about it and told me i would have to email a hardship letter. I did that, they never got back to me, so i called them. they told me they would not speak to me the property was in litigation, i should speak to my lawyer. on every statement i get it tells me i may call and speak to XXXX different people, which they will never speak to me, because again its in litigation. I called mu real estate lady and asked her if maybe we could try for a short sale. they would not speak to her either. in between i have called and called and never received any paperwork. they have my new address since XXXX. the last letter i emailed told them i never have gotten any paperwork and i do n't have a lawyer, so if anyone states they represent me its fraudulent, also that they have an incorrect address on the mortgage paperwork. also i had a bankruptcy several years ago that took away a home equity and XXXX mortgage with same company bank of america. 

Company response: Company chooses not to provide a public response
Consumer complaint: Since the government has now changed the rules regarding transfers of IRA 's from one financial institution to another in deference and accommodation to the banks, it has become much more cumbersome and time consuming to accomplish this task. It has taken XXXX months to get {$87000.00} from Wells Fargo to XXXX XXXX. It was only my irate phone call to XXXX this morning that the money was miraculously " found ''. When we were allowed to pick up the check from one institution and deliver it to another, things always went smoothly. THE NEW SYSTEM IS NOT WORKING AND IS DESIGNED SO THE FINANCIAL INSTITUTIONS CAN LOSE YOUR MONEY FOR A MONTH AND A HALF AND THERE IS ABSOLUTELY NO ONE YOU CAN SPEAK TO THAT CAN GIVE YOU DEFINITIVE ANSWERS ON ANYTHING, UNLESS YOU WERE WILL TO SUBMIT TO THEIR EXCESSIVE FEES FOR ELECTRONIC TRANSFERS. PLEASE HELP CHANGE THIS SYSTEM BACK TO THE WAY IT WAS!! 

Company response: Company chooses not to provide a public response
Consumer complaint: WFB used incorrect and outdated income figure to calculate loan modification, only reducing my mortgage by {$120.00}, which is put on back end of the loan, due when loan is paid in full. I wrote and spoke to them during Trial Period, disputing NPV input with income documentation. I was not informed of my right to deny loan and re-apply using corrected income. WFB representative treated me as though I were in the welfare line and should be happy to receive their help. I stopped paying my mortgage, taking advise, that more government help available for those behind than those that our current. I have applied for reconsideration, wrote many letters requesting they reduce my interest rate to 2 % from it 's current 4.25 %, which is the same interest rate I had on previous loan. Unfortunately my income has been reduced so much this year that I can not qualify for any help nor can I keep my home. 

Company response: Company chooses not to provide a public response
Consumer complaint: I initiated a Deed In Lieu foreclosure in or around XXXX XXXX. As per guidelines, I listed the house for sale for a period of more than 6 months. At the time, we were not given an offer. In or around XXXX XXXX, we proceeded with Deed In Lieu paperwork. As time went on, I would receive letters that required notarized signatures. Around XXXX XXXX, during a routine call, I asked the Loan specialist when would the final judgment be declared. She said all paperwork and final cancellation of loan should occur around the end of XXXX XXXX to the beginning of XXXX XXXX. In XXXX XXXX, I called and asked for a status on the loan. She informed me the paperwork was " at the clerk of court for XXXX county ( parish ) awaiting title clearance for house. '' For four months, I called every other week and received the same response. 
On XXXX XXXX, XXXX, I spoke with loan specialist supervisor. He explained about a problem shellpoint had with the third party law firm that was contracted to finalize the paperwork. I was told that the law firm sent the paperwork and a check to pay off all outstanding taxes to the clerk of court and that it was {$25.00} short. The clerk sent all paperwork back to the law firm. During this time, that law firm closed down. A new law firm was contracted and was attempting to find all lost paperwork from original firm for more than 2 months. At that time, he said he would start new paperwork that would have to be resigned and notarized again. If old paperwork was not found, the new paperwork would take an additional 2 months to get finalized. I asked if, after all paperwork was completed, that my credit would reflect any past due amounts ending in or around XXXX XXXX due to the fact that the error and delay were on the part of Shell points vendor and not because of myself or my wife, the cosigner. He said he would call me back after paperwork was completed and speak about it. 
By XXXX XXXX, I received word that the Deed In Lieu was approved and finalized and would reflect on my credit file within 30-60 days. I asked about showing past due payments only to XXXX XXXX and was told they would look into it. 
Around the end of XXXX I received notice of a credit change on file. I saw XXXX and others showed past due payments to XXXX XXXX. I have since tried to call the loan specialist and supervisor and left several voicemails with no answer back. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My wife answered a call on XXXX/XXXX/16 from XXXX, at XXXX. Searching on-line the number belongs to They want my date of birth regarding a debt. My only debt is my mortgage, which is current, so the is no reason a debt collector should be contacting me. My wife refused to provide my date of birth and told the person that this same type of calling occurred last month. In that case they stopped calling after the fourth time. She received a 2nd call at XXXX from the same number for the same thing. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I never received any notification regarding a medical bill that I do n't remember not paying. I would like to get a copy of this bill showing my name and date of appointment. I also would like to know the reason this bill was send to collection without my knowledge. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Back in 2013 I was given a USPS money order from an individual and it turned out to be a fake money order. Not knowing that I deposited the money order in my account and it was returned due to it being a fake. I reported the incident to the Postal Service and they told me they would look in it. Meanwhile Bank Of America which was my Bank at the time quickly closed my account and reported my name to XXXX without ever contacting me or anything. This is all for {$11.00} which was paid back in XXXX of XXXX. It clearly shows account paid in full on my XXXX profile and yet Bank Of America refuses to remove the information and I can not open any account at any Bank with this information on my profile. This is totally unfair. I was a victim of fraud and non of this was my fault. B Of A never bothered to help me in this case and they blamed me for it and closed all doors on me. I just want my name removed from XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX and Wells Fargo are debiting money from checking account prior to the check being cashed by the recipient. Here is what is happening : 1. check is scheduled for payment via a Wells Fargo account using XXXX 2. check does not arrive at recipient for various reasons. 
3. Wells Fargo removes $ from checking account on the day the payment is scheduled in XXXX, even thought the check was not cashed. 
4. Recipient calls me to find out where their payment is. I see that the $ have been removed from my account so I am thinking their has been fraud. 
5. I call Wells Fargo to understand what 's happening. Nearly 2 hours later and after talking with several people I find out that the payment processor automatically removes money from my account on the date payment was scheduled regardless of whether the check was cashed. 
6. I believe this should be considered fraudulent activity. The payment processor was not authorized to withdraw $ from my account prior to when the recipient of the check deposited the funds to their account. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I a joint checking account at Bank of America, in XXXX, VA. The Bank allowed one of our check payees to cash the same check twice. In fact, the Bank allowed this payee to do this five different times, over a four-month period, for a total of {$1900.00}. I have the supporting documentation, including the record of the checking account debits and the duplicate check images that the Bank included in our checking account statements. I called the Bank 's fraud department today. The first person said it is not possible for a check to be cashed twice ; the system is designed to catch that. When I presented her with the evidence, she transferred me to the Bank 's check fraud department. The woman there said that because I wrote the checks in question, that was not fraud on the Bank and that I would have to go to the police to get my money back. When I told her that I was a lawyer and gave her the definition of fraud, she took my information and said that the Bank would be sending me the forms to file a claim, which would be reviewed by a claims analyst. She said I would get the forms within seven to ten business days. She suggested that I might want to close my account. I will file the claim, and I will get my money back. But I am appalled that Bank of America 's system allows the same check to be deposited twice. I am also appalled that neither of the Bank 's fraud department representatives appeared to view this as a serious customer security problem and that neither representative appeared interested in following up on the systems security issue. The woman in the check fraud department surmised that the payee had first deposited each check using a mobile app and then later deposited the hard copy of the check in an ATM. The checks were cashed in different check statement periods. So, the Bank 's representative working in the check fraud department believes that it is possible for a payee to deposit a check using a mobile app and then later to deposit the hard copy of the same check. But she apparently does n't think that is a serious security systems problem!!! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I paid off my home equity loan with Green Tree in XXXX of 2013 based on the payoff amount indicated at the time. Ditech sent me a bill yesterday for {$2.00}. When I checked my credit report, it appeared that the charge was made up recently as I was never sent a bill before now. Their rep said that the charge was for interest even though I paid the loan back in full. Now my credit is going to be negatively affected over a charge they ca n't even justify. XXXX, their rep, claimed I was charged because I did n't close the account. I have always paid my bills on time and am devastated that they would harm my credit without even contacting me first. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I bought a house at XXXX XXXX XXXX XXXX XXXX WA XXXX. XX/XX/XXXX to XX/XX/XXXX I surrendered my rights to Bank of America, telling them I can no longer stay in this house and make the payments. I was in an accident in XX/XX/XXXX and was reduced in hours at work and just could no longer afford living in my house. I believe my last payments was around XX/XX/XXXX-XX/XX/XXXX with missing payments throughout the year. The bills had begun to pile up, so I voluntarily left. I have just recently found out through XXXX XXXX - Sr. Mortgage Consultant/Manager XXXX # XXXX o : XXXX m : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, WA XXXX XXXX, that 5 years later the house is still in my name. The house has not even been foreclosed as of yet and I am still being shown as the owner of record. I would like for you to contact me about my options at this point. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: To start, I have repeatedly asked Wells Fargo reps to opt me out of overdraft protection ( as I had been repeatedly enrolled into it automatically ). This finally happened last year when I was told that occasionally charges would still go through ( due to " systemic '' issues ), and if that were to happen, I should come into the branch to get any overdraft charges reversed. This happened once on XXXX, three times on XXXX, and twice on XXXX. I went into the bank to get these overdraft charges reversed and was told something new, that overdraft protection only applies to charges that are made from my debit/credit card and not to charges routed through the bank account like checks. Since the charges were made from my XXXX card, which routes through my bank account, my account was overdrawn. Additionally, after Wells Fargo initially approved the charges ( against what I had been told would happen ), they then cancelled the payment the following day. When I asked why the bank first approved the payment and then cancelled it, I was told by a rep that Wells Fargo " tries to be helpful '' by " giving me until the end of the day to cover the cost of the charge. '' When I said that first approving the charge and then cancelling it was not helpful ( I would have no reason to put money into the account if it is not supposed to be overdrawn, and in this case I was not notified that an overdraft charge was approved until the next day ) I was told, " That is how banks work. '' When I pressed on this issue, and asked why does n't this bank just not approve charges if there is no money in the account, I was told " That is just not Wells Fargo 's policy. '' It got even worse from here - after Wells Fargo initially approved and then cancelled the payment, XXXX ran the same XXXX transactions, which were again approved, again incurred fees, and again cancelled at the end of the day. This racked up a total of {$350.00} in overdraft fees, only half of which the bank reversed. 

Company response: Company chooses not to provide a public response
Consumer complaint: Some one stole XXXX dollars out of my Wells Fargo account XXXX XXXX in XXXX, North Carolina. Wells Fargo did not replace the money nor acknowledge my lost. 

Company response: Company chooses not to provide a public response
Consumer complaint: Ok, so I have been receiving phone calls from XXXX phone number for the last few days. On the morning of Thursday XXXX/XXXX/2016 I received yet another one. So being fed up with it, I answered and said hello. All they would say and repeat was that they needed to confirm they were speaking with a XXXX XXXX ( which is me ) before they could disclose any further information. I stated that in that case I would not be providing them any further information on my part and hung up. My thinking was " wait a second ''. You want to call my phone and start demanding I provide or confirm for you personal information about myself while refusing to provide me with information. Not ok!. So being that I am a Police Sgt, I went into investigative mode and started digging to see if I could find out anything based on the phone number I had from them. I discovered that it was a collection business called IC Systems. I further found hundreds of complaints from other people following their dealing with this company. So I returned a phone call to them and asked to speak with a supervisor. Once he was on the phone he also repeated the same line about needing to confirm who I was before he could provide any further information. I explained to him again that I would not be providing any personal information and since he or his company were the ones who had contacted me, they needed to be the ones that were forth coming with information, since I had no way to " prove '' who he was. I also explained that I viewed their telephone communication with me to be harassment and that I demanded my number be removed from their calling list. He said that he could do that and would. If I owe a debt that I am unaware of fine, but how about calling and saying, Yes this is so and so and we have been retained by so and so to attempt to collect a debt that they claim you owe them. At this point I would have the ability to research for myself if I had forgotten something and get back with them. But no, they chose to try and act all secretive and shadowy which if they are legit in their pursuit, it is a very poor way of handling business. I ask that you as a consumer protection agency, please assist me with dealing with this matter. Thank you in Advance 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo has repeatedly called and ask for debt assistance. This disclaimer can also be layed down to FDIC for further comment. 

Company response: Company chooses not to provide a public response