AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Created an account with Viamericas to transfer money to a friend in XXXX. The account set up included personal bank account numbers to facilitate the transfer. Initially I was notified that the transaction was " successful '', but the recipient never received the funds. The company 's website later indicated the transaction was cancelled. Thankfully, my account was not debited. I made numerous attempts to contact the company 's customer service and have the account closed. Most of the time I was put on hold and then the line went dead. I received XXXX e-mail from XXXX XXXX XXXX ( XXXXXXXXXXXX ), Sr Fraud Risk ManagerViamericas Corporation, on XX/XX/XXXX, stating my request to close the account had been forwarded to their IT department. I have not received any further correspondence and the account appears to be still active. I am concerned about the potential for misuse of my account information. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: Sears Credit Department/Citi Bank adversely closed my credit card account while I 'm a victim of identity theft and then hung up in my face while I was trying to explain that the credit report that they have pulled may not be accurate. I contacted Sears Credit Dept and explained that I have had all my credit reports frozen because I 've been a victim of identity theft. That in the past I 've had trouble with the viewing of my credit report because it has been frozen by all the credit bureaus. I asked about the credit report pulled and I wanted to make sure that it was an updated report because not an old report because I had my reports frozen. I asked to speak with a supervisor because the credit analyst explained that there was nothing that I could do even though I was a victim of identity theft. I spoke with the the supervisor where the supervisor explained that they do n't pull my credit report but a summary or snapshot of my credit report through XXXX. I then explained that when you pull a credit report it explains that Ive been a victim identity theft instead of just a summary of my credit which may or may not be accurate. She said its great that you 've had your credit reports frozen but you need to take the derogatory comments on your credit report with XXXX. I explained that I had never paid Sears late in spite of identity theft. As I explained to the supervisor that my account should n't be closed when I 've had my credit report frozen as a victim of identity theft I was then hung up on by the supervisor. The supervisor and the credit analyst had my telephone number in the event that the call was disconnected and to call me back if the wait was too long. However neither attempted to call me back. Sears/ Citi Bank does not have procedures in place when their customers are victims of identity theft and that they make adverse decisions regardless of whether their summary snap shot review is accurate or not. Had they pulled my credit report they would 've been aware that I was a victim of identity theft. I would like my credit card account re-opened. I 'm a person and unforeseen things happened but I 've never paid Sears/ Citi Bank late. I 've got a great pay history and have worked hard to try and keep that but does not matter to Sears/Citi Bank. Closing my account continues to hurt my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: I submit equity line applications through a branch in Wells Fargo. During the underwriter 's review, I was asked to prove that I have XXXX in liquid assets. I had explained to them that I have equity lines with another bank and can easily pull XXXX in cash, but they insist that I need that amount in cash. So they declined my applications. And I talked with another branch of Wells Fargo, I was told that I should be able to do withdrawing the applications, but the banker I worked with told me no. 
1. Requesting XXXX in cash for an equity line applications is unreasonable. If I had worked with another bank for an equity line application, they never had that kind of unreasonable request. If I had that amount in cash, why I would need the equity lines for? 
2. XXXX is not a small amount. If that could be a requirement for an approval, I need to be notified by that before I started the applications. Otherwise, I would have applied for something which is guaranteed not to be approved. 
3. I told the banker that I would not start the applications at all if I were told that I need XXXX in cash before they declined my applications. Why they declined my applications without asking me if I wanted to withdraw them? 

Company response: Company chooses not to provide a public response
Consumer complaint: I refinanced my mortgage through Loan Depot in XXXX of 2015. I have used their mortgage servicing website to make payments etc. On XXXX XXXX 2015 I received an e-mail from Loan Depot Personal Loans that an account had been established using my e-mail address. I thought this was identity theft because I never applied for a personal loan. I tried to log into the account but was unable to even through password reset. I called the XXXX number and was told their IT department would look into it. A few hours later XXXX called me. XXXX told me that she did not think this was identity theft. I asked her why and she asked me if I knew XXXX XXXX. XXXX XXXX was the Mortgage Broker at Loan Depot that processed my refinance. XXXX told me that the account had been created by XXXX XXXX. I asked XXXX why XXXX XXXX would have created a personal loan account in my name and she told me I should speak with him. XXXX told me that on the Application that XXXX XXXX submitted at around XXXX that he had obtained my verbal consent over the telephone prior submitting the application with my information on it. I told XXXX XXXX did not request a personal loan and she closed the account. I got an e-mail that said the loan application had been terminated at my request and informed me that my credit score was a XXXX obtained by XXXX. I e-mailed XXXX XXXX about running my credit and opening a personal loan account without speaking to me but claiming to have my consent over the telephone. I am not sure what XXXX XXXX 's intentions were but his actions are unethical and illegal. I have copies of all of the email and the 3 minute voicemail message he left me. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Bank of America not only charges for checks, but also for deposit slips to loan OUR money to them. I would like free slips, and also checks, which formerly were given free. I was told by a cashier that they could be ordered FOR A PRICE, but if enough complaints were filed, corporate may yield. We have a regular checking account. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/15, I called Wells Fargo to ask why there was an amount of {$7800.00} due under total payment category on the bill. Incidentially, the amount has increased to {$9200.00} on the XXXX bill. I was told previously that I owed for XXXX and XXXX. I was calling to make the XXXX payment, with the statement that I would make the XXXX payment in another week. The repres. informed me that the amount of {$7800.00} was money in a holding account, that was unapplied. I asked her to request that this money be applied. She stated that she would ; and that, I should call back in 3-5 business days. I called back on XXXX/XXXX/15. I was told that there existed the request on file, but the request had not been completed. I asked why and again that these monies please be applied. I made a payment of {$1100.00} to bring loan current for XXXX 2015. I looked over my bank account to determine that Wells Fargo had made a mistake in the payment owed amount of {$1100.00}. Rather than drafting {$1100.00}, they drafted only {$1000.00}. I called and made the {$100.00} payment to bring the loan current for XXXX 2015. 
I called on XXXX/XXXX/15 and spoke with XXXX @ XXXX, to determine whether the funds listed above, had been applied. She stated " no '', because my loan came to them from Waucovia Bank, and there is thus, a special team of persons working on this 'ACP project loan '. They would likely not be able to apply the dollars in the holding account until XXXX. I informed her that I am in an active bankruptcy and I do not wish to be considered delinquent given that I have been making regular payments and I was told that the account is current for XXXX 2015. I told her that I do not want later to be considered for a foreclosure suit. She stated that even if I continue to make regular payments, they will continue to go into 'unapplied funds '. I can not fully understand why this is the case since there is a team of persons working on what she termed a few of these 'ACP project loans '. 
I am filing a formal complaint against Wells Fargo. I asking that you assist me by investigating this issue with the hope that these funds will be applied in a more timely manner and on a regular basis, so as to assist me in avoiding this problem in the future. XXXX stated that Wells Fargo has received multiple calls regarding this same issue. I lost my home to foreclosure once because of bank fraud. I am not willing to have this happen again. Please help me. 

Company response: Company chooses not to provide a public response
Consumer complaint: ally auto repos the vechile within XXXX month of being deliqent of XXXX car payments, after a month prior they agreed to put me in forbarance. The manger refused to listen to previous recorded calls unless requested by attorny. 

Company response: Company chooses not to provide a public response
Consumer complaint: I started the modification ( RMA ) process with XXXX in XXXX of XXXX After processing reams of paperwork, all of which were redundant items asked for over and over again, a modification was given in XXXX of XXXX. I was put into a 3 month payment trial which I lived up to. In XXXX regular modified payments began. I was sent the modification agreement to be signed and notarized in duplicate. I signed and had notarized both and sent it in, but put a note on the bottom stating I was signing under duress as I was told this would be a principal reduction. It was a standard modification. They called and told me they could not accept this with the note and would not do the mod with the note. They said they would send XXXX more forms for the original mod agreement. After 5 days I called and they said they had sent it. The woman I spoke with, XXXX XXXX on XXXX/XXXX/XXXX asked me if she could fax it to me. I agreed, she faxed the form, I made a copy of said form and proceeded to have both notarized and placed my original signature on both. Sent it in through regular mail and they in turn called to say they do not accept fax copies! The form itself was a fax sent by them! The signature and notarized RAISED stamp were original. I said you people sent the fax. What are you talking about? Well, the person faxing should have told you we did n't accept faxes. Why would she have faxed me then? Here we are after being told they were OVERNIGHTING another mod agreement XXXX, said which never came. Called again and was informed I have been put back into foreclosure!! Something untoward is going on here. The only explanation that makes any sense to me is they are attempting to get out of doing the mod already offered and payments accepted until the last XXXX I sent and they received on XXXX XXXX. They refused the XXXX XXXX payment ( of which I have proof of them receiving on time through XXXX XXXX ) so now they can claim I have n't paid, I guess. After nearly three years of being put through a ringer when I qualified from the very beginning and to now have them pull this kind of under-handed game with the roof over my head is reprehensible and unconscionable. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have recieved over XXXX hit on my credit trying to find financing for a vehicle, it has all happened within the last two months. Everywhere i go im at a high risk level and i cant get financing for a vehicle. If you look on my report it clearly shows how many times my credit has been abused in this auto loan process, i want to dispute all of the hits on my credit report to you guys. Its a perfect example of how horrible auto dealerships ruin peoples credit 

Company response: Company chooses not to provide a public response
Consumer complaint: TransUnion is reporting that I have foreclosure which I never had 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm a victim of identity theft and the person open accounts in my name. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: HelloI have been turned down for XXXX business bank accounts. the banks have told me that it is because of negative info on chexsytems. So i went to the chexsystem website. ( no complaints or info can be had via the site or telephone. its said i had to request a copy of my report via Mail. so i submitted my info and personal address to this company. the site syas i will get a copy in the mail in 5 business days. so after 7 days still no report. i requested again. its been now 7 6 more days and till no report. i also called the phone number yet still no report. they have no way to reach a live person. Now I have not had a bank account since 2007 this was payed as agreed and closed. I cant open my business. I want all info removed and the delay of information fro them is inexcusable. I am hoping this organization can help me asap to clear my report that they state is only going 5 years back and i am past the point of being nice i should have had that report almost 2 weeks ago. the delay in banking has cost me over XXXX in lost earningsplease make them clear my name I have tried to upload a rejection letter from a bank but system wont allow I can forward via email if need be 

Company response: Company chooses not to provide a public response
Consumer complaint: Experience is reporting that I have a foreclosure on my credit report which I never had 

Company response: Company chooses not to provide a public response
Consumer complaint: For the XXXX time, McCarthy Burgess & Wolff is attempting to collect a debt on behalf of the XXXX XXXX XXXX that I do not owe. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: # XXXX XXXX is reported as a closed collection account and marked as a derogatory after claiming an adequate investigation. It is not. It has been told to Trans union that this an account resolved and originated from ID theft. The negative impacts our standing for housing and other attempts at normal living 

Company response: Company chooses not to provide a public response
Consumer complaint: I have receiving a pre-recorded message of a women voice debt collection agency on from XXXX XXXX with a account that is not mine. I believe I still have an account with which I was making payments, but due to hardship in 2013, I did n't have the money to continue payments. Now, I 'm on a fixed income. They keep calling but do n't say for who it is for. Please can your agency help! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a {$0.00} balance on my Macy 's credit card and still received a bill for {$2.00}. Had I not checked ( assuming the bill was {$0.00} ) I would have missed a payment, negatively affecting my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a Bank of America and had ID theft on my Checking with XXXX.
I immediately restored my account with Bank of America and submitted the police report and Affidavit of Fraud to let them know. Bank of America stated they would not change th information and that I did fraud against my self and they will keep the information no matter what was sent in for proof.. I was also helped by XXXX to freeze my credit reports and notify all business in question.

I am now not able to get another account because of what was written.
I still have my XXXX account but wanted to get another account for safety reason can you please address this issue as I have take all necessary steps to protect myself.
Company response: Company chooses not to provide a public response
Consumer complaint: My bank neglected to notify me that my escrow was behind. 
After not notifying me they sent documents to my bankruptcy attorney advising they did notify me. 
I made my payment every month for the amount I thought was due. 
I spoke to the bank and was advised that. They did not notifyme because of the automatic stay. My attorney advised theywere sent a release letter so they could advise me. 
My loan payments has increased since my bankruptcy andI was notified. In an effort to resolve the issue I calledSunTrust bank and asked what is owed. They refused toto tell me and refused to allow me to make payments. 
They advised we want to go to court even though weknow you are trying to fix this. They have {$1700.00} in escrowplus I sent an additional XXXX even though they refused. 
My payment now is XXXX I have been advised. The first {$2000.00} I sent afterthey refused my phone payment was made electronically from my account. I called to verify receipt and was told we got XXXX on XXXX XXXX 2015. This must be wrong I haveproof you got {$2000.00} then I was told the rest must have gone to fees. 
I am being forced into possible foreclosure for some reasonSunTrust wants my house not payments. 

Company response: Company chooses not to provide a public response
Consumer complaint: Attempting to work a short sale for my property with Wells Fargo XXXX WF XXXX. Filed previous complaint XXXX case number XXXX ) and WF response was, " Be advised that when it 's been determined an account is eligible for a short sale and a signed offer is received, an appraisal or Broker 's Price Opinion is ordered. We 'll then research and review the offer. After all required information and approvals are received ; the short sale decision will be communicated to you within 30 days. " We have had a contract since XXXX 2015, WF just keeps asking for bank statements, then they say I do n't qualify, that I can afford the payments, now they say the offer is too low but will not respond with a price range of what the offer should be. 

The issue is, that I ca n't sell the house for what I owe on it, which I am told is considered a Short Sale. WF does not seem to use the same definition though. The current buyer has been waiting for 5.5 months. WF has stretched this contract out until XXXX. I am going to lose this buyer too because of WF 's stalling tactics. 

We have provided all documents requested within 1 business day in every instance. If WF has a different definition of a short sale, then they should have stated it up front and never let this go on this long. We have been up front and honest with them all the way. 

I was paying the mortgage up until XXXX. I was told at that time, that they could n't even consider a short sale unless I was 31 days late. If I ca n't sell my house for what I owe on it, why does it matter if I am paying the mortgage or not? 

Company response: Company chooses not to provide a public response
Consumer complaint: Contacted XXXX collection agency and original creditor, neither could provide detail information regarding this account. the collection agency states they dont have to account anymore it was pulled from their services. All that was give to me from the original creditor was account number and my personal information that was used. No further information regarding discharge info or signature of documents. I have disputed this and have yet to get a responseCollection Agency XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed a collection on my credit report for XXXX and received dispute results after completing the processing of my dispute results were removed/deleted. The date Experian complete dispute was XXXX XXXX, 2015. On XXXX XXXX, 2015 the collection agency, XXXX XXXX, re-reported on my credit report and they have already been removed. I do not have an account with this company nor have I received written communication from XXXX XXXX. Please assist in the removal of XXXX XXXX permanently. Thanks 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently went thru a loan modification with Stonegate mortgage company. The payments increased, almost XXXX a month. Which I told my servicer this he said I could do a short sale. I signed the paperwork because I wanted to keep my house. This process took months, so by the time I finished with it I was drained mentally. The stress was to much and not to mention my loan processor XXXX, was useless. I would call XXXX or times a week and get no return phone calls. So after I signed this new paperwork, thinking my payment was XXXX from XXXX, I received a phone call saying Your payment now is going to be XXXX we are adding the back escrow in and need you to pay it off. So that puts me at XXXX a month. I once again told them I can not afford this, so they said okay will split it up for 24 months so your payment is XXXX I feel this was totally misrepresented by Stonegate Mortgage. There was no mention of this happening when I signed the loan modification paperwork. Here I sit again behind on my mortgage again. I can not afford to hire a lawyer to help me with this. I talked to HUD, they said a complaint needs to be filed there should be protection for future customers. This loan is a USDA loan in which I contacted them but they could not help me. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX are reporting false information on my credit report. Improperly providing false information on a person 's credit report is a flagrant violation of the Fair Credit Reporting Act and Fair Debt Collections Practices Act. In addition, XXXX XXXX XXXX had previously deleted the derogatory mark from my credit report however they illegally proceeded to reinsert the false information on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: In my credit report from XXXX XXXX requested by XXXX XXXX, an incorrect creditor showed up with a debt in the amount of {$22000.00}, by XXXX XXXX. This debt does not belong to me. I want an investigation and the same be eliminated from my report. 

Company response: Company chooses not to provide a public response