AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: communication tactic continue to attempt a debt i did owe a party XXXX by creating fraud assignment use of third party manufacturing company called XXXX same as XXXX - robo signing, fruad affidvict of lost note creating lost via conspiracy -- -- BWW LAW FIRM AKA XXXX is a MARYLAND State licensed attorney as co-conspirators.XXXX fka XXXX as successor to XXXX as trustee FOR ramp XXXX ( non-existence trust ) assignment as evidence of fraud a pattern of racketeering activity XXXX, XXXX, XXXX XXXX , XXXX XXXX scheme obstructs justice by corruptly influencing, obstructing, and impeding, and endeavoring to influence, obstruct, and impede the due administration of justice in fraudulent foreclosure lawsuits filed and litigated in the XXXX XXXX, MARYLAND United States courts , violating Tile 18, U.S.C. XXXX-conspirators XXXX fka XXXX as successor to XXXX as trustee FOR ramp XXXX ( non existence trust had no standing to file a foreclosure., CO-conspirators XXXX XXXX XXXX XXXX -XXXX , and CO-conspirators BWW LAW FIRM AKA XXXX XXXX, XXXX XXXX XXXX , XXXX , XXXX XXXX. is a MARYLAND State licensed attorney as co-conspirators XXXX ( document manufacturing company similar to XXXX, robo signing XXXX XXXX as featured in XXXX ..Frauds and other misconduct upon the public and the judiciary for their financial benefit is reprehensible, outrageous and demands serious punitive damages to stop XXXX fka XXXX as successor to XXXX as trustee FOR ramp XXXX had no standing as to my home because no assignment existed from Defendant MERS to XXXX fka XXXX as successor to XXXX as trustee FOR ramp XXXX were fraudulent created, see because at the date the assignment was created XXXX no longer existed. 
1.Defendant XXXX XXXX claims to be an officer of Defendant XXXX whose offices are located in Virginia, not XXXX MI 2.Upon information and belief, XXXX XXXX is not an officer of Defendant XXXX. 
3. Upon information and belief, the notary is a fraud and known to be a fraud by XXXX, XXXX XXXX, XXXX XXXX XXXX PATTERN OF ABUSE OF THE JUDICIARY SYSTEM ATTACHED by manufacture of mortgage documents note out of whole cloth in order to establish legal standing to foreclose on homes. 
XXXX XXXX ( see exhibits of XXXX fraud assignments of DEED OF TRUST ) notary fraud. 
Documents were fictitious, false, and fraudulent legal documents filed in the Court and County Clerk 's office under penalty of perjury. 

5.. The Foreclosure Complaint conceals facts and is deliberately disoriented to sow confusion that at it states the Mortgage was to Defendant XXXX " as nominee for XXXX '', but provides no proof of an assignment to XXXX but created fraud assignment of deed from XXXX ... years after the original lender cease to exist. 
The assignment of mortgage is fraud created by XXXX from a defunct first XXXX, because there no live person at XXXX in 2012 when XXXX, created the fruad assignments the bank was cease by FDIC SEE ATTACHED SEE similar fraud created by XXXX XXXX XXXX .. ( XXXX, XXXX XXXX land record audits ) attached ) XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX, XXXX I was the XXXX involved in a XXXX. On XXXX XXXX, XXXX I was XXXX. I have been incarcerated since. The cessation of my sentence is rapidly approaching as I prepare to regain my freedom and life back. During the past 4 years my personal checking and savings account with Wells Fargo went into a dormant state. Due to no activity on my account the remaining funds, also that included my last XXXX paychecks and income tax return was depleted from my account. After contacting Wells Fargo and explaining my situation I was told there is NOTHING they can do to retrieve my funds. I am writing you today respectfully requesting assistance resolving with this matter. Thank you! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a credit card w/ Bank of America . They want to know XXXX what my source of income is, since I refused they threatened to close to \tototod to to to close my account. I think this is a bully tactic. I hope you can resolve this situation. Thank you.. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: US Bank the issuer of the XXXX XXXX Visa Signature Personal and Small Business credit cards charges an annual fee for each on of their cards. I have XXXX of these card, the personal card for my personal spending the the small business card for my small sole proprietorship. The key perk of these cards for me and many others is that when booking hotel nights using the points that the card offers the last night booked is free. For example, if you book XXXX nights at a XXXX hotel you only will use points for the XXXX night and get the XXXX night " free '' ( i.e. you will not need to use your points ). This language was clearly still in place when I paid XXXX annual fees earlier this year that I would receive the XXXX night XXXX, otherwise I would not have paid the fee and canceled the card. When I called to attempt to get the fee refunded I was offered XXXX XXXX which is worth far less than {$75.00} ( the annual fee paid or the loss of getting a XXXX night free which can be up to XXXX XXXX points ) and is unacceptable. The annual fee on the small business card is {$60.00}. I combined the {$75.00} and {$60.00} fees below. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo guaranteed us a mortgage refinance in XXXX 2015 after months of documentation submissions. The bank had full and complete information regarding our financial situation XXXX impeccable credit, loan to value of 26 %, and very reasonable debt to income ratios XXXX. The bank continued to assure us that there was absolutely no issue with the refinance for three months and that we would close imminently, despite our continued alarms re a seemingly endless delay. The mortgage bankers avoided returning phone calls or emails for weeks on end and then misrepresented the situation and delivered false statements to us for at least three weeks prior to abruptly notifying us that the refinance was denied - after emailing us a week earlier stating that the loan would be approved. We made decisions based upon the assurances from Wells Fargo that, in retrospect, were complete fabrications. The entire process spanned almost 9 months and the mortgage bankers grossly misrepresented the truth, did not return phone calls or emails, and acted unprofessionally and unethically. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted Medical Data Systems, Inc regarding XXXX medical accounts. I was asking them about settlement/payment options. I was told that I could not choose which account I paid first. They told me if i sent in a payment that they would apply it towards the oldest account first. I asked again if I could pay the smaller accounts first and again I was told no that it would be applied to the oldest larger balance and I did not have the option of choosing which account I paid. Under section 810 of the FDCPA it says that I have a right to choose which accounts I pay. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have made XXXX ( XXXX ) separate credit report dispute requests to Experian, which were mailed United States Postal Service " certified. '' Both requests were denied. I have AGAIN received another letter dates XXXX XXXX, XXXX in which Experian is demanding that I submit a copy of a " current utility bill, bank or insurance statement. '' My " original '' letter was dated XXXX XXXX, XXXX and my " second '' letter was dated XXXX XXXX, XXXX. I have told Experian that I have submitted all the required documents under the Fair Credit Reporting Act to verify my identity. 
Specifically, there is no federal statute under the Fair Credit Reporting Act that requires me to provide " proof of address. '' This may be a Experian " policy '' requirement but it is NOT a " statute '' requirement under the Fair Credit Reporting Act. The ONLY " statute '' requirement is " proof of identity '' and not " proof of address. '' I refer you to the Fair Credit Reporting Act under Section 611 [ Procedure in Case of Disputed Accuracy ], which follows Section 610 ( a ) ( 1 ) [ Proper Identification ], which states that " a consumer reporting agency shall require as a condition of making the disclosers required under Section 609 that the consumer furnish proper identification. '' Verification of " identity '' is provided under Section 609 ( e ) ( 2 ), which says that " before a business entity [ Experian ] provides any information ... as proof of positive identification ... the presentation of a government issued identification card. '' In my " original '' letter, dated XXXX XXXX, XXXX, I provided Experian a copy of a government identification, specifically, my passport and I provided my current mailing address in my " original '' credit report dispute. 
In my " second '' letter, I provided Experian a copy of a government identification, specifically, my passport, copy of my social security card, copy of their letter sent to me at the address I provided in my " original '' letter. This is more than the required documents necessary to provide a Credit Reporting Agency under the Fair Credit Reporting Act. 
As a result, Experian has failed to complete their investigation within the 30-days, as required by the Fair Credit Reporting Act under Section 611 ( a ) ( 5 ). I request that Experian be fined the minimum penalty and I request that you contact Experian and mandate compliance with my credit repair request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, FL XXXX XXXXXXXXXXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was charged {$1.00} from " XXXX XXXX '' on my Macy 's credit card. I never enrolled in life insurance with them, and have n't seen this charge before. It is considered a " credit life insurance fee ''. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I 'm a first time home buyer looking at financial institutions for potential loans. I have accounts at various places to include USAA. I was looking at potentially applying for a home loan with USAA and they ran my credit without my approval. I ended up going with another bank. I approved the other bank to run my credit but not USAA. Just because I have accounts with one company does n't give them the right to run my credit, or does it? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I sent a letter to Credit Bureau certified XX/XX/XXXX because I am a victim of Identity theft. I was requesting a security freeze. I sent all the required documents -id, police report, ss card and utility bill and asked specifically for a freeze. I received response back from XXXX and Experian both that instead they placed an Extended Fraud alert and ignored my request for a security freeze 

Company response: Company chooses not to provide a public response
Consumer complaint: During the annual escrow analysis for my mortgage, it was determined that I would be refunded {$3100.00}. I noticed this by viewing my escrow activity online at US Bank. I waited for the refund to arrive for more than 30 days. When the refund never arrived, I contacted US Bank to inform them. I spoke to the kind and respectful customer service supervisor, XXXX ( Unit Identifier : XXXX ) and she informed me that there would be a {$15.00} reissue fee, should I decide to have them reissue the refund. I questioned the validity of such a fee as I had not at any point accepted the refund and additionally, I have no way of knowing the payment was actually sent to me. Meaning, how do I know that the refund was ever actually issued? What would stop US Bank from declaring that they had sent the payment, when in fact they had not? 

The only proof of such an issuance was US Bank 's records. Which means that the only way for me to know that they had actually issued the payment was ... you guessed it, US Bank. In other words, " you know we issued it because we told you so. '' There is absolutely no other recourse. 

So, I was presented two options : Option 1. Pay the {$15.00} extortion, ahem " fee '' or Option 2. wait six months until the check expired. Now, {$3000.00} is no small amount. In fact, if I were more desperate, I would have paid the fee without a second thought. I can only imagine the countless working poor or elderly folks who would have to bite their tongues and pay the fee because the need for the money is so great. 

Put another way, if I were to send the bank a mortgage payment by mail and it never arrived, could I then charge the bank for reissuing another check to them? If I can, this is great news as this amounts to a {$15.00} dollar discount on every payment henceforth ( well at least, if I were a dishonest sort ). I suspect this is not the case and that in fact, I would be slammed with additional fines for delinquent payment. I am quite furious at the nefarious implications here. How do I know that financial institutions do not simply pretend to issue refunds, then when XXXX Consumer calls they inform him he can receive the payment if only he pays a " small '' ( an operative term depending on one 's financial status ) re-issuance " fee. '' This seems to amount to an exercise in extortion. " That 's a really nice check there, it be a shame if you 'd have to wait six months for a re issuance. '' " If you pay me {$15.00} I can make sure we send it out soon. '' XXXX XXXX would be envious of such a racket. 

What I am asking for here is : 1. A determination of whether such a fee is legal. 2. A definitive determination that the refund was in fact sent ( something other than " because we told you we did '' as I am not sure how such proof holds up in the eyes of the law ). 3. I wish to receive my refund ( money already overpaid for a year ) without paying a fine for receiving it. 

Thank you for your consideration in this matter. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I got the home mortgage past-due amount and tried to get the mortgage modification with the mortgage company. It took more than 6 months to make it, and now I got the letter to go to the foreclosure suddenly. So I made the request to them to give several months of grace time to sell my home to avoid the foreclosure, but they did not say to postpone the foreclosure date. The current home price is much higher than my borrowed amount for home mortgage. So I just need a graceful time to sell my home and payback all of the borrowed amount to the home mortgage company. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX Mortgage XXXX XXXX, was my mortgage company. They sold my mortgage to another company. The company was the servicer of the mortgage for almost 4 years. XXXX XXXX had the mortgage. The transfer of the mortgage was never recorded in XXXX XXXX records. Then, in XXXX Aurora loan services recorded an assignment of mortgage from XXXX XXXX Mortgage XXXX, XXXX to XXXX. The assignment was supposedly executed in XXXX and the XXXX companies involved did not have the mortgage. The documents were never recorded in XXXX XXXX records until another mortgage company by the name of Aurora loan services bought the mortgage. Since it is supposed to be recorded in XXXX XXXX records within a certain amount of time in relation to the closing date, I feel these companies have acted fraudulently. The assignment of mortgage was allegedly signed on XXXX/XXXX/XXXX by XXXX XXXX Mortgage XXXX, XXXX XXXX XXXX XXXX Mortgage XXXX, XXXX. The assignment was not recorded in XXXX XXXX records of XXXX until XXXX/XXXX/XXXX. Where did this document sit for all that time? This document supposedly sat in limbo and then mysteriously appeared in XXXX, when Aurora loan services bought the loan. I feel there has been fraudulent activity and do not feel that the assignment of mortgage that was recorded is valid or legal. I would also like to add that XXXX XXXX Mortgage XXXX, XXXX and XXXX XXXX XXXX, XXXX are XXXX separate entities. So XXXX XXXX XXXX, XXXX would not have had the legal authority to assign my mortgage to XXXX and why would the recorded document be returned to Aurora Loan Services and not XXXX? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX-Misled me on an inquiry about truck loans-I told the salesman NO HARD Iquiries-and to use my SCORESENSE service to see if it made sense to continue-RESULTS HARD INQUIRY FROM XXXX XXXX XX/XX/2015 XXXX-2inquiries 1 : XX/XX/2015 from XXXX XXXX by way of XXXX same type of scenario 2 : XX/XX/2015-Unkown inquiry according to XXXX they dont know who ordered it XX/XX/2015-XX/XX/2015 ANOTHER INQUIRY AGAIN-XXXX Go XXXX-salesman ( named XXXX ) assured a soft pull-RESULTS : HARD PULL EXPERION 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I filed various complaints. With Consumer Financial Protection Agency against XXXX XXXX XXXX XXXX XXXX Texas forcing me to pay charges.of {$1300.00} and {$930.00}. 
I can not pay and l am on Permanent XXXX Lifetime and Retired.and on XXXX Lifetime and Retired. 
I am also a XXXX XXXX XXXX XXXX Veteran. 
XXXX XXXX XXXX in XXXX XXXX Texas are Harrassing and Retaliation. 
Their collection Agencies is calling me after XXXX on weekdays and weekend. 
I am on XXXX for my Permanent XXXX Lifetime. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: bb and t banks and credit card issuer numerous problems ongoing basis such as failure to give credit for cash payments made until at least two days later ; failure to monitor online giving of new bank accounts resulting in identity theft to us and not assisting in any way other than to provide XXXX toll free hotlines -- -- XXXX dollars was taken from our church account the moment they issued XXXX new bank accounts to criminals online with little or no safety protections for bank and credit clientele ; numerous credit care issues reported to them on phone and e mail and in certified mail -- all to no avail ; improper interest charges when card was current ; imposing overuse and penalties thus causing the account to go overlimit and then charging fees and penalties for that ; failure to be responsive to valid card inquiries ; failure to remove improper and unauthorized charges ; failed to send me a consumer credit agreement upon the giving of credit ; excessive use fees charged illegally ; failure to abide by state and federal laws for florida federal such as florida unfair and deceptive laws to protect consumers. 

Company response: Company chooses not to provide a public response
Consumer complaint: The debt collector agreed to have items removed in XX/XX/2015 and they have not been removed. I am attaching the letters requesting removal from the collection agency 

Company response: Company chooses not to provide a public response
Consumer complaint: After nearly a decade of business with Bank of America, I recently inquired for a Credit Line Increase. Over the years I have held active, but never delinquent, Personal Checking, Savings, and Credit accounts with B of A. My credit rating is top tier, thus I did not expect to find myself in the scenario Bank of America placed me in and feeling discriminated against. Upon requesting my Credit Limit Increase on my traditional XXXX Credit Card, I was immediately declined. While this news was shocking, my real goal was to capitalize on an opportunity for cash back which is XXXX of the only incentives offered by my particular card held with B of A. Due to this, I was not disappointed with the decision to decline my increase request. However, upon contacting B of A by phone I was denied the opportunity to receive my decline reason. Instead, after speaking with XXXX representatives by phone and XXXX chat support associate, I was told by each that they could not provide that information and I would not be permitted to speak with a Credit Analyst/Specialist to review my Credit Line Increase request. After several hours straight of going back and forward on the phone, I was eventually in verbal communication with the Credit Analyst/Specialist department who disclosed the nature of the decline. It was for insufficient of lack of a savings account with Bank of America. This is where I feel discriminated against, and as though I was unfairly evaluated by means that no everyone is evaluated XXXX. Upon receiving my denial letter, the reason was consistent with what I was advised on the phone and I also was not provided with my credit score, although I had requested such. Being in a top tier credit category of absolute low risk, my closure of my B of A savings account just a year prior is clear indication that I was unfairly considered for the credit line increase. 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion has police reports on file & I have an fraud alert on file I 'm a victim of ID theft I have had my credit pulled that was NOT authorized by me from XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX all of these were NOT authorized by me these Inquires are all Fraudulent & Fraud I demand to have these removed ASAP or give me the address or phone numbers to these places to get these removed because they were all NOT authorized by XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America had me on a trial payment for my home equity loan # XXXX which was {$250.00} I made all my trial pymnts starting XXXX 2015 today I rec 'd my form stating it is now going to be {$390.00} when I spoke to XXXX XXXX he stated boa did n't take into consideration of unpaid interest when they set it up in the beginning. Now I get papers to redo my mrtg which I never asked to do and they have it that I own rental property which I do not. 

Company response: Company chooses not to provide a public response
Consumer complaint: I called XXXX Bank to remove as an authorizied user thats effecting my credit for XXXX dollars of over utilization .Please have them take off this account thats dragging down my credit score only this XXXX account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened an Exxon Mobil credit card in XXXX 2014 account number XXXX. The account is in good standing and is correctly being reported to XXXX and XXXX. However, it is not reporting to XXXX. I contacted XXXX and they said the account is not being reported to them and I would need to contact the creditor. I contacted Citibank ( issuer of the ExxonMobil card and they confirmed they are reporting my account to all XXXX credit bureaus. I keep getting the runaround. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been ( robo ) called everyday by " Convergent Outsourcing '' who ( once I identify myself ) stated they were representing XXXX and trying to collect on a past due bill. I explained that when I closed my account, I was told everything was in order. They insisted I owed ( roughly ) {$190.00}. I asked that they email me an invoice or provide some sort of verification. They refused. They have called me several times everyday since, and today called my ex-wife and left a message stating they were trying to collect a debt. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company