AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: To Whom It May Concern, I am filing this formal complaint because I feel that Wells Fargo is not honoring their part of the agreement with the government. I have been trying to get a loan modification for over a year and a half. During that time Wells Fargo has put me through a ridiculous ordeal. I have a legitimate reason for hardship. I used to make over $ XXXX a year and now I am making half that. My husband XXXX, so he could not work for many months. We have had to borrow money from family and borrow from our retirement just to make ends meet. I believe that Wells Fargo illegally denied me for the assistance and since I 've read that they have been fined heavily for wrong doing, I was forced to hire a law firm to protect my home. I would have never gotten in this mess had Wells Fargo not told me to get behind on my payments. They told me it was necessary to be able to qualify for the hardship assistance. Then they played games with me. They told me they never received my paperwork even though I faxed it to them multiple times. Even when I got them to admit that they received the paperwork, they said they lost it and told me I had to re-apply. They kept changing relationship managers on me and I could never get the same person on the phone twice. My mortgage is currently 55 % of my gross monthly income. If that is not considered a hardship by Wells Fargo, then what is? I believe I meet every single criteria put forth by the HAMP program. My mortgage was originated in 2003 and I never refi 'd after that. I am hoping that someone will hold these big banks accountable for denying homeowners assistance when they clearly deserve it. I think the main reason that Wells Fargo is not helping me is because I have some positive equity and they want to get that money for themselves. I did not read anything on the HAMP guidelines that if a homeowner has positive equity that the lender does not have to approve them for HAMP, but maybe that is just the banks ' policy to maximize their profits. If I could just get caught back up and into an affordable payment, then I could keep my home, but I am at my wit 's end. There are an obscene amount of foreclosed homes in my neighborhood and I do not want to join them. Please help me save my home. I 'm not asking for charity, I just want what is fair and right. From what I understand Wells Fargo took millions from the government, but they are not helping the people that legitimately deserve it. Please help me save my home. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Kohn Law Firm and XXXX XXXX are debt collectors who are attempting to collect a false debt against the consumer. Kohns have been served a Notice of Dispute and failed to comply with any of the FDCPA mandates. ( see, attached ) 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In spite of good credit ( better rating than when I applied for the card ) and zero payment issues with their company or any other creditor, Synchrony Bank, Walmart Credit card arbitrarily reduced my credit balance from {$3000.00} to {$1500.00}. I 've attempted to correct this through them and they only give me the run around and refuse to return it to the limit that was originally issued. They can not specify any reason as to why it was reduced. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have disputed to Transunion XXXX different times to get off inquiries, that are on my credit report, that I never gave permission to be on there. The response I got from Transunion each time was only within 2-4 days and came back as legitimate. There is NO WAY they could have investigated anything within that time frame. It even says that the credit companies have 30 days to dispute, my disputing of inquiries. So how can it be done within 2-4 days total each time!? They are not doing anything about them. Its unfair that I have so many inquiries that I would have never allowed through to my credit report. 
XXXX makes disputes way to confusing to even try to being there also. 
Another car company did this exact same thing to me in 2013. 
Thank you for your time with this matter. 
XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a citibank saving account, because there was a {$25.00} promotion around XX/XX/XXXX or XX/XX/XXXX. I contacted citibank many times and it seems citibank does n't want to honor this promotion. 

Company response: Company chooses not to provide a public response
Consumer complaint: I took my car into XXXX for repairs and right when I got my estimate for them, they of course sent a salesman over to me saying everything that salesmen do to pressure someone into buying a car. They asked me some initial questions and gave me a pre approval. All I would have to do it give them my car. I said that I could not verify my income ( as I do not have any above {$490.00} I receive for my VA XXXX ) and was told that as long as it is under a certain amount ( Cant ' remember the exact amount at this time ) that they would n't have to verify it. So I put down a number and they went through with the process.They used my car at the time as a down payment. Here we are a few months later and my almost XXXX credit score is down in the XXXX now as I have not been able to make a single payment. ( as I still do not have an income ) It was repossessed at one time. My mom helped me get it back, and I now owe her money as well. I am in collections again on it and am not sure what to do. I ca n't afford to keep it. I could never afford to buy it in the first place. And now I ca n't even afford to sell it because it is n't worth what is owed. I feel like I was pressured into buying this. 
Not to mention the disaster that happened during the repo process. As soon as it was repoed, I called my mom, who immediately wired money. The Bank, US bank, claimed that they did not have the money. After XXXX days of me calling to check if they have received the funds I finally asked XXXX XXXX XXXX, who we transferred the money through, to attempt to pull it back. We got a response from XXXX XXXX that the beneficiary ( US Bank ) would not release it. So they had the money, would n't give it back, and were saying that they did n't have it to begin with. So, the car gets sent to the auction to be sold, which would leave me on the hook for the XXXX difference in auction price. At the last minute, US bank says they do have the money and does everything they can to get it back from the auction. ( 2more weeks go by with them trying to get in touch and get it back ). According to the notice to sell, they were to sell it on a certain date if they did not receive payment. We sent that payment long before that date and they still sent it to auction. 
Now, I am stuck. Ca n't pay for this loan that was made without any verification and that I was pressured into and dealing with an incompetent bank who ca n't keep their funds straight. There has to be help somewhere. Also, I do not have any of the original loan docs. They were in the glovebox and all of my personal belongings were removed from the car when it was sent to auction. I have not gotten anything back that they removed. ( nor have they made any attempt to get them back ) 

Company response: Company chooses not to provide a public response
Consumer complaint: I thought I was ordering XXXX free credit report from Transunion. I provided my credit card number as requested to verify my identity. I never saw information about a charge for additional services, but XXXX charges showed up on my credit card bill, XXXX for {$1.00} and XXXX for {$21.00}. When I called customer service I was told that I had ordered a " free '' trial membership ( for {$1.00} ) and when I did n't cancel it within 7 days, I was charged {$21.00}. I never knew I ordered this. The rep referred me to the " escalation department '' who cancelled my " membership '' but refused to reimburse the amount charged. The rep told me I used the wrong website to get my free report, and it was n't their fault. Very deceptive. I now see there are lots of similar complaints online. I never thought to check them out before doing business with them. I thought being XXXX of the XXXX credit reporting agencies to which we are repeatedly referred to check for identify theft, that it would be a reputable company. Clearly not. Can anyone stop them from deceiving others? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My sister has removed money from her N.F.C.U. account without her permission or mine. I was wondering why they can not put a hold on the account where she put the money and to take LARGE sums of money without check with me or my mother?? She has removed about {$72000.00} from my mom 's accout without permission and they are saying she has the legal right!!! I will sign any papers you wish to check her accounts like a lawyer would make me sign to check accounts!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have XXXX accounts with synchrony bank. I spoke with XXXX ( Supervisor ) @ paypal because this company keep going in my bank account taking money out of my account without my permission. She told me that my bank has to refund my insufficient funds because it was not their fault that my account did not have the funds in my account. I explain to her I do n't have the money in my account and my account was overdrawn. She told me they was going to have to go in my account two more time to try to collect the money. I told her I did not have the money, she did n't care what I had to say. I had to close my bank account because they refuse to not listen to me. She made it seem like paypal has right to go into my account without my permission. Secondly, I have XXXX other accounts with synchronary bank. I had told XXXX today I 'm declaring hardship because I have XXXX credit cards and the interest and late fees I ca n't afford he refuse to help me because I ask him with they take the late fee off my Gap, Old Navy, and Banana Republic and XXXX me he was not able to help me. I been calling them for the last 4 months and they will not help me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I called southern management systems to try to reach a settlement. I told him the most I could afford and he laughed in my face even though it was for over 1/2 of the amount due. He got very belligerent and said I was going to make you an offer but because you yelled at me which I never did he said he would n't help me at all. I feel like the debt should be paid because they refused money. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: GreenSky Credit has mismanaged a line of credit that we applied for but never used. GreenSky processed a fraudulent/unauthorized transaction from a merchant and did not even follow their own procedure for an authorized transaction and is now trying to make us responsible for the full transaction ( {$18000.00} ). Over the course of 60 days we have made numerous request in writing and by phone to have this unauthorized charge remove. Their position seems to be that a self-serving document from the merchant is what they are acting on even though we never authorized any transaction by any means at any time and they can not produce any evidence that we ever wanted this transaction. My wife and I have tried patiently over many months to work with them but they are refusing to charge back to the merchant and properly zero out our account and close it permanently as requested numinous times. We have extensive documentation to support our position and to refute any rational they may offer. 

Please help us. 

Sincerely Yours, 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I qualified for a HARP refinance and used it in XXXX - without being made aware that it was this was a one time deal. I was trying to get relief from the problem created in XXXX when it was issued at origination as an XXXX split. The reason I wanted refinance was to both get a lower rate and combine the XXXX loans but, my lender did not combine the loans and made me feel like it was to only chance I had to refinance. The second mortgage ( with a different lender ) is an interest-only loan with very poor terms that has a balloon payment coming due in 5 years and I am deeply concerned that I will not be able to cover that payment. I have tried to work with this lender to restructure to pay more principal but because I have been making payments, my negotiations have been in vain. Now my credit score is dismal form trying to make ends meet after experiencing a 50 % reduction in pay since XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Access to money from check deposited at Wells Fargo AMT in XXXX was denied for 2 weeks. Normal hold is 3 days. Reason given by bank rep : check should have been deposited at bank branch, not ATM. Check from sale of stock for more than {$7400.00} was needed to pay rent and holiday expenses. When called, bank rep simply said something was wrong with check from XXXX. In fact, responded rep at XXXX, check had already been cashed and funds credited to ny wells Fargo account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have sent payments on my loan modification with SLS loan # XXXX. I have gotten behind a month several times but I have always caught up right away. Several times they have taken a payment made in a timely fashion and credited it to principal reduction instead on to the payment. I have had some success in getting them to fix the problem but with the XXXX XXXX payment due on XX/XX/XXXX they received XX/XX/XXXX they credited to principal and said they would properly credit it but did not do that. I made the XXXX XXXX and XXXX XXXX on XXXX XXXX and once again asked them to properly apply the XXXX payment and they still did not do that. Then on XXXX/XXXX/XXXX I called to make the XX/XX/XXXX payment and found out that they had not fixed the XXXX XXXX payment and I reviewed it with them again and asked for it to be properly credited. They once again said they would correct the problem and took the XXXX XXXX payment. When I called to make the XX/XX/XXXX payment they would not take it stating that my account was in default and sent me a notice of default. I was pretty paralyzed but by XXXX tried to get it fixed by phone again and thought I had finally succeeded when I spoke with a fellow who said he would correct the problem and took the XX/XX/XXXX and XX/XX/XXXX payments. Then in XXXX I get a statement that says my interest is 5.25 % when my note clearly says the payment is 4 %. I make the payments by phone because every time I send XXXX it gets credited to principal and not to the payments and I do not understand why. I have the names and most of the dates I talked to everyone if needed. I faxes them a " qualified written dispute '' regarding the payments, which is what I was told to do, on XXXX/XXXX/XXXX which they say they did not receive, so I sent it again on XXXX/XXXX/XXXX which they also said they did not receive, so I sent it again on XXXX/XXXX/XXXX by certified mail. I finally got a letter stating they received the fax on XXXX/XXXX/XXXX. Then when I found out they had the interest rate wrong I send another " qualified written dispute '' on XXXX/XXXX/XXXX. They say they have not received that one either when I called on XX/XX/XXXX or today on XXXX/XXXX/XXXX. I need to make the XX/XX/XXXX payment and they will not take it. I have transaction receipts for the faxes, a return receipt for the mail and names and dates for most of the calls I have made to them. Please help me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX committed fraud and while my payments where XXXX $ dollars after years of payments with fixed rate they increased payments by XXXX $! plus. Then they sold my loan to Select Portforlio Servicing XXXX XXXX XXXX XXXX XXXX. There fax number is XXXX Fax. Select Portforlio Servicing is working along XXXX XXXX XXXX plus my original loan documents loan is not found or they wo n't produce it. Please call me as soon as possible XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2016, I logged onto CitiCards.com to pay XXXX bills associated with XXXX credit card accounts I hold with them, as I do each month. Due to my financial circumstances, I can only afford to pay the minimum payment on each card right now. I paid the minimum payment amount on each card like I 've been doing for years. No missed or late payments EVER. These funds usually get deducted from my checking account. I go to use my checking account debit card today XXXX XXXX XXXX XXXX to buy groceries and it 's declined. I check my checking account to see that a total of {$14000.00} has been deducted from CitiCards to pay off the remaining balances on my cards. I assumed this was due to an error with their online payment system, because I did not authorize them to do this. I called CitiCards, and all they could tell me was, " Sorry, there 's nothing we can do, the transaction is in place, call your bank. '' I 'm sorry, but as a customer for several years, with no late payments or other issues with previous transactions, I do n't think this an acceptable way for a credit card company to act to a customer who just had several thousand dollars incorrectly deducted from their checking account. They did NOTHING to try to resolve my situation as I was hysterically crying on the phone. We are about to be hit with a blizzard in my state, and now I have no money. Basically they just said it was an issue between me and the bank that I hold my checking account with. I do n't believe there is nothing they could have done to stop this transaction. As a major financial institution with billions of dollars, I doubt fixing my error would be a huge sacrifice for them. They need to accept responsibility for their operations. Disgusting. 

Company response: Company chooses not to provide a public response
Consumer complaint: We purchased a home ( manufactured ) that was attached to land. After 10 years, we wanted to refinance to get a new roof. We were informed that only the land was in our name. The home was never transferred to our name. We could not borrow against it or even sell it. Wells Fargo refused to help us fix this issue. Therefore they foreclosed because we refused to make payments on a home that was not ours. This incident has now stopped us from getting a mortgage on another home. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I filed bankruptcy last year, and my home mortgage was discharged. I agreed to a loan modification through Wells Fargo. I have been making my payments on time, for about a year. I do receive loan statements, and the payments are being credited to my loan. Wells Fargo, states, they do not report payments, due to bankruptcy. I view this as unjust, due to, they are receiving money for this mortgage. I am not in foreclosure, and due plan to stay at the residence. I have n't received my payment history from Wells Fargo yet, or else I would be attaching. Before I filed bankruptcy, my ex husband did, while we were divorced in XXXX. I was on the loan, as well. Wells Fargo claimed me as part of the bankruptcy, and did not report my payments. I had not filed bankruptcy until XXXX. I contacted Wells Fargo, and all they did is give me the run around. My lawyer was supposed to reaffirm my debt, but all I got from their office was a run around. I basically got screwed on all accounts. I just want to rebuild my credit, and notify Wells Fargo, that the money I pay into their company, reflects on my credit report. I 'm paying them the mortgage, they are receiving my money. This is not right. Important information, my name is shown as XXXX XXXX on loan. Married name. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Jefferson Capital Systems , LLC knowingly violated the FCRA by placing XXXX collection accounts withXXXX and XXXX credit bureaus. Jefferson Capital Systems, did this without proper notification 30 days prior to reporting the XXXX accounts to the credit reporting bureaus. I never received notice such action was being implemented. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i didnt make a inquiry for this bank 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My Personal Checking Accounts & Savings from Wells Fargo Bank were closed without notice XXXX XXXX. While attempting to use sufficient funds from the accounts, the cards were declined twice. Wells Fargo customer service department was contacted which then directed the case to the Loss Prevention Department. At that time, for the first time I was notified that the Wells Fargo Personal Checking Accounts and savings had been closed. It was also brought to my attention that the establishment no longer wished to do business with me as a customer. There was no written notification, verbal contact, email etc. to inform me as a client that the accounts were being closed. I proceeded to inquire about the funds that were in the accounts that had been closed without notification. Wells Fargo Bank informed me that a check would be cut XXXX XXXX and mailed. As a customer I am being inconvenienced without just cause. Is this something that can legally be done without notification? What can be done to expedite this process so that the funds are returned. Thank you for your time 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a contract with Wells Fargo Bank for an automobile loan and have been making more than the required payment sine day XXXX XXXX 2013 ). My monthly payment is made automatically through my online banking account and has never been late. However, every once in a while I get a monthly statement for more than the amount on the contract, but it is not due for some XXXX to three months later while the current overpayment is still being made automatically every month through my bank. It appears that Wells Fargo is not taking the money from my monthly overpayment and applying it to the principal, but is applying the excess amount to future payments and holding those funds until that payment is due thusly, I am paying interest on the remaining balance of the loan and not the decreasing balance if they were to apply the excess payment to the principal loan balance. This seems highly unethical to hold my money and wait for a payment to be due rather than applying it to the principal balance every month and decreasing the monthly amount that I am paying interest on. There is no place on the monthly statement to fill in any amount of additional principal included in the payment. Thank you ... 

Company response: Company chooses not to provide a public response