AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My mortgage was with Wells Fargo. I received an offering from them to refinance my mortgage at a lesser rate. I went through the loan process and was approved. An appraiser was sent to my home and the appraisal was {$370000.00} when we were expecting an appraisal of over {$500000.00}. The home and property was appraised 6 years ago at {$540000.00}. The home and property is in the XXXX XXXX, TX area. The appraiser who did the original appraisal and the questioned appraisal is the same person. She did not remember doing the original appraisal. I asked Wells Fargo to ask the appraiser for a reconsideration appraisal. Wells Fargo led me to believe the appraiser refused. The appraiser would have been willing to do a reconsideration after realizing she had done the original appraisal and the large discrepancy had occurred. I asked Wells Fargo to refund the {$650.00} I paid for the questioned appraisal and they refused. I went to another mortgage broker, had another appraisal by a different appraiser and the appraisal of the home and property was {$530000.00}. I have a new mortgage but feel Wells Fargo did not due diligence in the matter and cost me {$650.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: Green Tree/ Ditech are holding up my loan modification. They put me in a streamline modification and never sent me any info of contract or forms to sign. Told me after I pay the XXXX payments I will receive papers. I owe less than 15 yrs on mortgage and told me the streamline would put me in a 40 yr. I only owe about {$6000.00} in back mortgage payments. I told the loan modification agent I want to apply for HEMP which will be better for me. They told ( me after XXXX applications that conveniently continue to miss only the important page of income verification ), that I did n't qualify. It was like pulling teeth to have them give me a reason why, which they eventually stated they were missing my proof of income again which was untrue as I had prior phone call with agent verifying they had all papers needed. Then they claim I was denied because I did n't live in a designated area. No such requirement!! They finally admitted I was approved for HEMP but they determined I was better served to stay in streamline modification. Really!! They refuse to send me any written info on my HEMP application. They want me locked into a 40 yr mortgage with all service charges, late fees and what ever bogus charges they choose to tack on without letting me know in writing until I 'm locked in. They are obviously blocking all applications for loan modifications by losing papers, not sending timely documents for me to sign, dragging their feet and giving false information. How can a government program be left in the hands of these crooks. I say follow the money and there 's no way the government does n't know what 's going on. Desperate home owners are being forced into a streamline mortgage which is basically restructuring the loan to be extended XXXX the original time left on a mortgage.Forcing an applicant to agree to all the hidden terms until the owner is locked in. It states on the info on the government web site that if a homeowner is offered the streamline it is a great benefit to apply for the HEMP modification as it can greatly reduce interest and additional cost which would be added if one stayed with the streamline. It states that one has only 30 days once the applicant is approved for streamline and paid the first XXXX payments on time to apply for HEMP. So why does Green Tree refuse to allow the applicant the ability to apply for the HEMP. The agents repeatedly claim the streamline is so much better and you do n't need to do anything just make your first XXXX payments. They even lied about when the payments were due. If I had n't been pro active and investigated the actual date payment due I would have been 1 week late. I would have lost my home!!! Green tree/Ditech have no interest in helping the home owner, only how to steal your home for XXXX on the dollar or have you be locked into a high interest mortgage plus extra charges for 40 yrs. Seems like loan shark tactics. I need a good lawyer to look into whistle blower class action law suit. If one see this, I have all documentation and records of dates times and names etc. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX/XXXX/2015, I contacted XXXX XXXX XXXX with whom I have a brokerage account, regarding my desire to send a money-transfer, the following week. On a recorded line, the representative informed me the charge for this service was a flat-fee amount, either {$24.00} or {$25.00}, he was not quite sure. I believe the rep 's name was XXXX XXXX. 

XXXX/XXXX/2015 I phoned XXXX to initiate the transfer. When I asked him, the rep told me there would be no fee for the transfer, and that the exchange rate from XXXX to XXXX would be XXXX. I assumed the remission of the fee was due to my being a Premium Elite Client. XXXX has sometimes granted me such rewards. 

After completing the wire request, I thought to look up the exchange rate. It was between XXXX and XXXX! Based on the amount of the wire ( {$15000.00} ), the wire charge ( fee ) was therefore {$300.00} [ ( XXXX ) * XXXX ]. I called back XXXX, and they confirmed the standard rate was a 2 % charge. 2 % of {$15000.00} is indeed {$300.00}. I pointed out that it is absurd to charge {$300.00} to wire money, and that even XXXX would do it for a fraction of that. IN ANY CASE, THEIR REPRESENTATIVE HAD ALREADY STATED THE FLAT FEE WAS {$25.00}. 

XXXX XXXX refuses to refund the {$300.00} out of which they cheated me ( THE FEE WAS NEVER STATED TO ME IN ANY WAY ). I want them to refund the {$300.00}, and charge me the flat fee, as agreed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a return check that resulted in a over draft return fee. Then i forgot to remove my auto pay billing and got hit with another overdraft return ach fee. They never paid any of those payments and now i owe the bank XXXX just in fees. I called and tried to talk to them & gave them my situation. Im a poor college student and I didnt plan on all this happening. No help 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX someone opened a credit card account using my stolen identity with Continental Finance/XXXX Bank. The card balance became delinquent and was subsequently charged off. I became aware of this fraudulent card account on my credit reports XX/XX/XXXX. XX/XX/XXXX I faxed a police report to the credit card company and requested the removal of the account from all XXXX credit reporting agencies. I have faxed this request dozens of times and made several calls since then, and the account is still not removed from my credit reports. The credit card company has now asked me to send them a copy of my credit report showing the account, even though they have already determined it to be application fraud. Continental Finance has never contacted me in any way to help resolve this issue, and their ongoing inaccurate reporting of the account has continued to damage my credit rating. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband & I along with my parents as co-signers purchased a home in XXXX XXXX in XXXX, XXXX. We went with an FHA loan through a mortgage company called XXXX , XXXX XXXX XXXX. XXXX XXXX got in a lot of federal trouble in mid XXXX and they went under, Bank of America took over our loan in XXXX XXXX. In XXXX XXXX I tried to refinance under an FHA Streamline loan with BoA and we were told we could not do this because we did not have an FHA loan. The BoA loan dept I was dealing with told me they would take care of it. After a few months I noticed that our loan was no longer listed as an FHA loan but it showed as a conventional 30 yr fixed rate mortgage. For months I was unable to pay my mortgage online and I was n't given any real reason why I could n't. After many phone calls with BoA our loan was changed back to an FHA loan & I was able to pay online. Then a few months later the loan was changed back to a conventional loan. I 've spoken with other mortgage companies and attorneys ( who are charging fees ) & we keep ending up with nothing resolved. I 've tried many times to talk to FHA and I either get transferred all over the place or get to someone 's VM. I 've tried to go to my local office that no longer exist and call my regional office with no call backs from them. Now our loan was sold in XXXX XXXX to a company in XXXX called XXXX XXXX. They are less than helpful and are totally clueless with no incentive to try and help me. 
This has left us in a position where we are unable to refinance under HARP ( since we are not backed by XXXX ) or an FHA Streamline ( since BoA changed our loan ). I need all partied involved to resolve this situation ASAP so we can move forward with a refinance before we lose the opportunity to use any of these gov't back programs. 

Company response: Company chooses not to provide a public response
Consumer complaint: I used a website 'lending tree.com ' to shop for auto loan rates. The website asked for my personal information and the page title was 'Compare live rates ' and the final button was labeled 'View Free Offers '. When I clicked on 'View Free Offers ' my personal details were shared with companies that ran hard credit inquiries. I did not consent to any such terms - nor were they displayed in any form that made it reasonable to presume that I was effectively completing a loan application. The site is VERY misleading, and tricks consumers. The site infers that you can compare live rates for free whilst in effect it is tricking you to apply for loans with various lenders. 

As a result of the numerous hard enquiries my credit score has been impacted. 

I have asked lendingtree to remove the hard enquiries from my credit report but they have declined to do so. 

I encourage cfpb to request that the site be re-designed, so that it is CLEAR that the consumer is in fact completing a LOAN APPLICATION, and not merely shopping for rates. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My Macy 's XXXX card was comprised at the end of XXXX with {$300.00} worth of fraudulent charges. I immediately reported the issue and was told it would be resolved within XXXX billing cycles. I was also assured that I would not be responsible for additional fees on the account that may add up until the charges were removed. While the {$300.00} charges were removed, the extra fees were not and continue to increase. Each month upon receiving a statement in the mail, I call and am told it would be {$0.00} within XXXX to XXXX billing cycles. No one has been able to assist me and make this go away. I am desperate for help because it is now XXXX ( 5 months later ) and the charges are still increasing. I have not used my Macy 's card and in fact have no interest in shopping with them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I asked to Cease and Assist the debt with the current Creditor Razor Capital and both XXXX XXXX and currently Total Card has been harassing me and been belligerent when I called them to do not call me as this account is 5 yrs old and I am not working XXXX! Also verbally threatening and harassing me! I also asked not to be on a recorded line and they disrespected my wishes!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I recently refinanced my home mortgage. The payoff exceeded the balance of the note by {$2000.00}. The loan paid off was serviced by Round Point Mortgage Servicing Corporation. The loan was paid in full on XXXX/XXXX/2015. As of today I have not received the balance of the overpayment nor have i received a date as to when I will receive my funds. I have spoken to RPM 's customer service and have yet to be the beneficiary of any of their promises. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an account at Bank Of America and I was charged for going over the limit of transfers in between my savings and checking in the total of {$60.00}. I was never ever informed via paperwork email or online or otherwise so I was trying to get my {$60.00} back that is it. So in order to resolve this issue I would like my {$60.00} back and then I will go to another bank. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a bank account with Wells Fargo that I opened in Washington XXXX in XX/XX/XXXX. I have been more or less employed since then. I was working in XX/XX/XXXX and have not worked for the past three months. I ran into problems when my Washington State Unemployment ran out and I had to apply from XXXX. They made me wait three weeks for my {$270.00}. I ran into issues with Wells Fargo and overdraft fees when I discovered they would process payments ( ie from Pay Pal ) usually recurring payments when I did not have money in my account. I asked them several times to not pay out money I do n't have and do n't charge me for overdraft fees. They ignored me. Then I would argue with them. Then Wells Fargo decided they were not going to refund any more overdraft charges. Currently I am overdrawn with Wells Fargo for {$500.00} of which almost the entire amount is overdraft fees of {$35.00}. My initial arguement with them started when I asked them to make sure my water bill got paid, and what do you know they did n't pay the amount out and then I got hit with {$35.00} of overdraft fees plus {$30.00} from the water and sewer department. All without a single human hand touching the transaction. I have called Wells Fargo several times until I just lost it and told them XXXX themselves. Now I am on a permanent blacklist. I am so sick and tired of the blame the victims mentality which translates into bullying. {$500.00} from XXXX XXXX is nothing, {$500.00} on {$270.00} unemployment is astronomical. I have been offered a job but I have no idea when that will start so I am pretty much living on payday loans which needs to be another complaint. Its ridiculous to have to pay {$35.00} overdraft fee when this is all processed by computers. If there is anything XXXX XXXX XXXX XXXX has shown, it cost fractions of a cent to process anything by computer. I admit I should not have lost it with Wells Fargo but it was supremely satisfying to tell them off. And in a civilized country I should be able to yell at Wells Fargo. 

Company response: Company chooses not to provide a public response
Consumer complaint: I currently am in review for a loan modification with my mortgage company " Select Portfolio Servicing ''. I also have a foreclosure sale date scheduled on XXXX/XXXX/15 and need help getting is pushed back. All information has been provided to SPS but they still have not pushed the sale back and I am in jeopardy of losing my home to foreclosure. Please help me in any way possible to ensure the sale doesnt take place. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for home refinance under XXXX guidelines at Wells Fargo who is my current lender. I asked the first customer service representative if it mattered if I receive mail at a different address other than my primary address and was told that my mailing address did n't matter. I was also told that I had until XXXX XXXX, 2015 to pay off my small XXXX mortgage. A few days later, a second customer service representative called me who now says that my mailing address does matter, and I have to submit proof of receiving mail at my primary address. The only bill I receive at my primary address is my trash collection bill, which is what I submitted. I then receive a phone call that my loan was denied because I could n't prove my primary residence and because I did n't pay off my XXXX mortgage ( even though the XXXX of XXXX had n't arrived yet ). A few days after that, I received a call from the XXXX customer service representative who now says he wants to help me get the loan and that I was only denied because I had n't paid off my XXXX mortgage. I ask him about the address problem, and he was n't aware of it. I ask him to send me an email confirming tentative approval pending XXXX mortgage payoff and he said he would. I did not receive the email nor did I receive any follow up phone call. After a couple of days, I called and asked to speak to a manager who apologized and made excuses for the misinformation but told me I was still denied. I believe I was deceived by Wells Fargo and was denied a XXXX refinance because they would have lost revenue by refinancing my higher interest rate loan to a lower interest rate loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have never had a cell phone with XXXX! I have only had XXXX XXXX service!!!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for a job with Bank of America in XX/XX/XXXX and was asked to complete a background check prior to the company making an offer. I agreed to the background check and was notified after approximately 3 days that Bank of America would not be moving forward with me as a candidate due to the results of the initial background check. I contacted the companies listed in the disclosure provided by Bank of America and both companies indicated that they had not received a request for a background check for me from B of A. I have contacted the recruiter and the corporate security department on four separate occasions by email ( 3 times ) and by phone requesting either : 1. a copy of the background check results or 2. The name of the organization to contact regarding the background check results. It has been approximately 4 weeks since I agreed to the background check and I have been unable to obtain a response from B of A. I would like to have a copy of the report on which they based their decision so that I can dispute any erroneous information if appropriate. 

Company response: Company chooses not to provide a public response
Consumer complaint: The dispute is with XXXX XXXX XXXX XXXX. I cancelled service with them in 2013 ; the account was paid in full at the time of cancellation. The XXXX technician came to my home, disconnected service and retrieved the equipment. Since then I have been harassed by them with collection calls and have had my non-existent account sent to XXXX collection agencies. I have copies of the communication which I will attach. In a nutshell, I am still being pursued by various collection agencies for this debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I deposited {$2000.00} dollars with XXXX on XXXX/XXXX/2015 My account manager never had me fill out a Form DCF ( Document Confirmation Form ) which is part of XXXX Complaince Departments Protocol. My money was never used for trading and on XXXX XXXX was sent to XXXX XXXX 's address in XXXX.. I received a phone call from XXXX a few weeks later from a XXXX XXXX, Senior Supervisor for XXXX. His phone number is XXXX XXXX XXXX XXXX. He told me my money was embezzled by XXXX XXXX and I should Contact my Bank Concerning this issue. My deposit was never used for trading and XXXX never told the Compliance Department about my Deposit. He concealed my money and the money of many of his other Clients taking over {$100000.00} and more. XXXX could not tell me how to get my money back, but did tell me I could dispute this transaction with my Bank. He could not give me more information because a Crime had been committed and this was reported to the XXXX XXXX Police Department. He refused to give me a case number for the Police Report Taken. Since my Money was never used for trading this was a breach in the XXXX contract I signed.. The DCF form was never filled out to show proof of my Deposit and XXXX concealed all of this from XXXX. I am sending you many documents and I hope someone at Bank of America reads them that has a Brain. I received conflicting comments from several customer Care agents in The Bank of America Dispute Department. The last woman I spoke to either did n't know how to read or did n't understand what a Contract was. The woman was XXXX or XXXX from her accent and was unable to answer any of my questions when she had the paperwork right in front of her. It was obvious she had not read the contract written by XXXX XXXX and only focused on the XXXX Contract for risks of losing money. My money was never used for trading and was embezzled by XXXX XXXX. There was a Crime committed and a breach in all of XXXX Contacts. 

Company response: Company chooses not to provide a public response
Consumer complaint: I immediately submitted a complaint with US Bank about the process and the many times the Loan Modification was changed. 

The Modification was submitted on XX/XX/XXXX. 
The XXXX XXXX was changed and modified on the following dates. 
XX/XX/XXXX - $ XXXXXX/XX/XXXX - $ XXXXXX/XX/XXXX - $ XXXXFigures changed again after the results that submitted to US Bank Complaints Department -XX/XX/XXXX - {$940.00}. 

I believe it should not have taken this long nor should the modification papers have been changed several times and I have reported this to the VA requesting that they review the Mortgage Modification for accuracy and improper handling. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed this item with Experian and they have refused to investigate this information as XXXX did and removed this information from their reports previously. This information is damaging in that it is incorrect and I have proof and have provided proof to Experian that this reporting is in violations of FDRA. Yet Experian refuses to conduct a fair and through investigation. 

For your review, I have provided a screen print copy of this particular Student Loan XXXX XXXX XXXX Database for Students. In that it shows that XXXX XXXX Reported to The XXXX Financial Student Aid that this loan was in DEFERMENT as of XXXX XXXX, XXXX through XXXX XXXX, XXXX and therefore Experian is UNFAIRLY and FALSELY reporting that I have disputed more than once with them. I am being reported as past due for the following months of XXXX XXXX, XXXX XXXX & 90 days past due XXXX XXXX when my loan was not in repayment status for that time. 

Additionally, Experian has no history of reporting for 30 days past due, 60 days past due BUT just XXXX reporting of 90 days past due in XXXX XXXX. Additionally, provided for your review is a single page printout of all XXXX XXXX as of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. This report shows that XXXX has no negative reporting of XXXX past due- Only Experian was reporting this negative information on the same account. However, in XXXX XXXX Experian updated both XXXX with this damaging and falsely reported information. 

Experian, with negligence, has violated the FCRA as well as other Federal, State and Local consumer protections laws in this matter. 

Company response: Company chooses not to provide a public response