AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I had a write off at Regions Bank and they told me that I owed {$400.00} on account # XXXX and {$84.00} on account # XXXX. I over paid $ XXXX hoping they would force open the accounts but now the claim I still owe $ XXXX because the amount originally given me was in error that I owed more. They never would send me a balance payoff as I so requested at the beginning of the payment off plan 

Company response: Company chooses not to provide a public response
Consumer complaint: acct- XXXX wrote a letter and contacted CFPB stating in detail what I was complaining about!!! 
XXXX XXXX wrote a letter as I have recieved before at least XXXX times from other people saying same old non-sense! 
Tell us what you want give details explain, tell us about your situation in detail etcccccccc.! 
It is what they keep doing the CFPB needs to investigate this company Wells Fargo Home Mortgage. I have explained everytime the issue in detail. They are insulting me and trying to get over on CFPB. I am asking the CFPB to investigate and take action because they are probably doing this to many people and it 's not fair and intentionally deceiving. 
I have so many letters from there asking the same things as if we are dumb and ca n't understand. 
We ( my brother and I are furious ). 
I am also hoping everyone on this web site as well as all the other websites that I have utilized and do not do business with this company WELLS FARGO HOME MORTGAGE. 
They are liars they fool you, ruin your credit when it is not your fault. they do n't care about their customers.If you need all my documentation I have it to give asap. 
They take no accountablity!!!!!!!!!!!!!!!!!!!!!!!!!!! 
PLEASE CFPB PLEASE INVESTIGATE? 

XXXX and XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: The account showing in collections has been paid long ago and the company saidthey reported it as paid but that is not the case. I need this removed from the report and also my BK has been over 7 years so I would like that removed from the public record as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: My Wells Fargo home loan " Home Equity Loan ''. Was changed to another loan called " Smart fit Equity Line '' we filed bankruptcy 2 years ago. The home was not included in the bankruptcy chapter XXXX. Wells Fargo has locked my account so I can not make a paymentThey say because of the bankruptcy. I have tried to make a morguage payment on the XXXX and XXXX of this month of XXXX 2015. They also increased my payment which I was going to pay, I have payed this amount XXXX times before with no problem, I have been doing it with difficulties but getting it done. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have already sent in numerous complaints regarding Bank of America and my mortgage problems as you can check via case numbers XXXX XXXX XXXX XXXX XXXX I am being asked to sign a form to voluntarily terminate my FHA mortgage insurance by Bank of Amercia when this has never been brought up before and their reasoning told to me is that it will give them more wiggle room to possibly help me. I have nothing sent to me outlining how this will help me. How will something that is meant to be a source of protection to BOA in case of Foreclosure XXXX which they have set for XX/XX/XXXX? Also, if I were to sign this and they proceed to foreclose how am I protected. I feel like I am being herded in the direction of not only losing my home but ultimate financial ruin. Is this really a viable solution for me? They still are n't addressing the fees they have been charging XXXX erroneously ) since I had a short sale buyer for almost XXXX years via Bank of America Short Sale program in which BOA dropped the ball on so to speak and I eventually lost the buyer in XX/XX/XXXX. I am beseeching help in this situation. 

Company response: Company chooses not to provide a public response
Consumer complaint: After recently reviewing my credit report, I found that there is a collection reported by XXXX that has a date opened on XXXX 2010 and no date of last activity is listed. The amount is for {$290.00} and the creditor is Lamont Hanley & Associates. This debt is over 4 years old and the date of last activity could very well be 4 years as well. The statue of limitations in the state of California for reporting debt is 4 years. This company is in violation of that statue. Also, since there is no date of last activity, I do not know if I owe this amount or if the debt is verifiable. Also, I do not know if this company is licensed to collect debt in my state ( California ). I am requesting that this debt be removed from my credit report immediately. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Went to pay my Citi credit card, teller said that they needed my Social Security Number and Occupation. I ask why, and pressed the issue they said it was corporate policy. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm receiving 3+ phone calls a day from this number after having already spoken to someone about payment 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a short sale in 2010 I am trying to buy a house and I can not get US bank to get all three credit bureaus to say it was a short sale my loan office telling me in XXXX XXXX it is saying a pre-foreclosures I can not get a XXXX approval that is what she is saying XXXX I have contracted US bank sent faxes had many question been on conference calls over the last month about this I just want they told me they can not do nothing about it they only keep there records for 2 years, I just need help to solved this please I have the cash sale deed 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX, 2015To : Consumer Financial Protection Bureau XXXX XXXX XXXXSome one open a Credit Card with FORTIVA, dispute resolution, XXXX XXXX XXXX XXXX, XXXX XXXX with card # XXXX XXXX XXXX XXXX. I NEVER hold a Credit Card and I NEVER purchase goods or services. 
Some person use my personal information, this is fraudulent purpose. 
This report to your Bureau, Thank you for your attention the matter. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I have paid this account in full which also included applicable interest before XXXX XXXX, 2015. I have asked XXXX data regularly about giving thecredit agencies an updated status. They keep saying they are doingit but nothing has been done and it is XXXX now. Please remove thisfrom my credit report. 
XXXX Account # : XXXXThank You. 
XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit card was used to make a purchase at Macy 's store number # XXXX. The initial attempt of $ XXXX was declined. The XXXX attempt of {$80.00} was approved. My bank alerted me of this and canceled my card. My fiance 's debit card was also compromised and she 's handling this with her bank. The only location we used our cards in the same place was in the XXXX XXXX in XXXX, GA. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, we terminated our service with XXXX/XXXX and returned our equipment as directed. We were told we would receive our final bill shortly. On XXXX XXXX, we received our final bill from XXXX for {$51.00}, after the applied credit to our account of {$130.00}. The bill due date was XXXX XXXX, 2015. I immediately paid our bill on XXXX XXXX for the amount owed. On XXXX XXXX, 2015, I received a call from XXXX demanding payment of the {$51.00} plus fees totaling {$67.00}. I explained to XXXX we were NOT delinquent and had paid the bill on the date received. XXXX said we need to take it up with XXXX. We called XXXX and attempted for for over XXXX hours, most which was on hold to talk to someone who could straighten this out as my credit is now negatively affected. Customer service agents pulled up our account and said they did n't understand why we were referred to a collection agency. We never received an answer, we referred to several departments within XXXX including " Internal Collections '', none of who could answer why they referred our account to collections. 
This illegal act by XXXX is outrageous and callous. We have been good customers, always paying our bill XXXX days ahead of the due date, now we have this attack on my good credit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I THINK YOUR BANK HERE IS DOING SOME FRADULENT TRANSACTIONS WITH MY ACCOUNT, FOR THE LAST TWO MONTH I HAVE HAD ALL OF MY XXXX SOCIALSECURITY CHECK TAKEN TO THE LAST PENNY.IM A WIDOW AND IM XXXX WITH XXXX, .THEY ARE LETTING XXXX RUN MY ACCOUNT SEVERAL TIME IN EACH MONTH SO THAT THEY WILL GET THE FEE PLUS XXXX WILL GET THEIR PYMT.IT ONLY ONCE A MONTH I PAY THEM AND I DIDNT AGREE FOR THEM TO TAKE IT OUT OF MY BANK ACCOUNT EACH MONTH.NOW THIS WILL BE 2 MONTH I HAVE HAD TO GO WITHOUT MEDICATION OR FOOD OR BILLS PAID.THEY ARE RIPPING PEOPLES OFF HERE THROUGH YOUR BANK AND IM NOT THE FIRST ONE .IM HAVING AN ATTRONEY SUE.I WANT MY ACCOUNT CLOSE WITH WELLS FARGO AND THEY SEEMS TO DONT WANT TO LET ME CLOSE OUT MY ACCOUNT.I HAVE OPEN AN ACCOUNT WITH ANOTHER BANK AND HAD IT CHANGE BY THE XXXX PEOPLES AND IT WERE NOT CHANGE THROUGH WELLS FARGO.THE GOVERMENT IS IN THIS WITH ME SO ARE FOLLOWERS OF THE SAME THINGS HAPPEN TO THEM. 

Company response: Company chooses not to provide a public response
Consumer complaint: Yesterday I got a XXXX message from a cousin in another state, whom I, not even yearly communicate with. She writes me " Hey the police are looking for you, they keep calling you. '' I immediately thought it was a joke and responded with a laugh, telling her I think she has the wrong person. She responds saying, " No, they keep asking for ( my name ). '' A few minutes later I get a text message from my brother that shows where she XXXX messaged him stating, " Can you tell your sister the police keeps calling for her at XXXX house ''. Then I knew she was n't joking. I gave her my # and asked her to call me. She tells me that a private investigator from Texas has been calling her mom ( who I have n't spoken to in many years, lives in another state, and I would only know how to contact through my cousin - on XXXX ). She says this person has been calling a lot. Being XXXX mos pregnant, and not a criminal, I became immediately concerned -scared. She continued to tell me that this person happened to call when she was with her mom, and once her mother said my name ( married name that my aunt does n't know of ), she told her mom, that 's " -my nickname-! ". I was/AM completely embarrassed, humiliated, confused as to why someone was calling her for me, and scared of being arrested - especially with my XXXX. I remembered I got a call that same day from a Texas number. I told my cousin I would validate the number, and to give me the number she has. After getting off the phone with her I checked my voicemail. It was a person who said they were an " Investigator '', asking to speak to MY HUSBAND, and that he has a CASE FILED AGAINST HIM. Again, feeing sick to my stomach, I immediately called my husband, and then sent him a text. I eventually forwarded him the voice message I received. He later tells me it is a collector for Wells Fargo Dealer Services, and that he spoke with her last week, and made payments last week. I am highly upset that she would go through such tactics to get him to contact her. Though he is my husband, this debt has nothing to do with me, and to call ( harass ) my distant relatives - who I do not keep in contact with - stating the police is looking for me is EMBARASSING and defaming of my character! Why go through such tactics to get in touch with me??? It is not that hard to find me. No one gave her permission to call these people. I am angry! And how do I clean the situation up with them ... just tell them it was a bill collector calling for my husband? That he has been out of work for months, I am the only XXXX working, - oh, and by the way I am XXXX months XXXX! That is none of their business - and EMBARASSING. 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife and I recently purchased a mortgage loan from Sierra Pacific Mortgage Company who has since sold it on XXXX XXXX, 2015 to XXXX. We received a letter on XXXX XXXX stating that they purchased our loan and all payments should go to them. Problem is is that we already sent a payment to Sierra Pacific on XXXX XXXX, who was suppose to send our payment to XXXX. XXXX is aware of this but is showing a balance on our stubs for that payment and keeps call us about it even though we faxed them our check copy. XXXX has not received our money from Sierra Pacific and harasses us for the payment. Our payments are on every XXXX of the month so we would have to make the payment to Sierra because the letter from XXXX was dated the XXXX. XXXX also assumes that we are having trouble making the payments and one rep said we were " poor ''. My wife an I make enough money to cover our mortgage and do n't need to be belittled or harassed. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: My spouse and I applied for a home loan through USAA. I am a mobilized reservist currently on active duty. USAA issued a pre-approval letter and based upon that we looked for and found a home that meets our needs. We made an offer, which was accepted and currently are under contract to purchase the home. USAA had pre-approved us for {$250000.00}. The purchase price for the home is approximately {$230000.00}, well under the pre-approved amount. USAA subsequently rejected our home loan application and denied credit. However, during the application process, they provided a completed application form with incorrect data which we were advised by the loan processor to change and re-submit which we did. Also during the application process, the loan processor referred to us by XXXX different last names and provided a response that related to another person 's account, to include data related to that person 's home loan application. We provided all documents and information requested by USAA timely and completely. At the time of initial denial we raised concerns and asked for reconsideration. They reported to us that they re-looked at the loan then responded with a third reason for denial. However, at no time did they provide information with regards to the data they were using and whether it was correct. We have serious reservations as to whether they ever used the correct data to adjudicate our loan application. We also have concerns that they may have confused our account with another in light of the emails we received for other account holders. We also have yet to receive a written notification of denial, only XXXX informal emails. USAA representatives, to include management, are now unresponsive to any of our concerns despite professional and polite emails raising these issues. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Delta Management went through the State of California and garnished my retirement with out any prior communication. They claimed I had signed a loan consolidation through them and I had not. When I ask for proof they would put me off and would not respond to my calls or e-mails. I tried to work with them and they appeared to want to work with me but when I started to comply with their request, they backed off, The process went like this : They were informed and requested for paper work to work with them on a payment plan. 
o I complied with every request made. 
o I saw on the internet where they were doing things that were not in compliance with the information that was on their website. I inquired about it. 
When I inquired, that is when they stop trying to act as if they were working out a plan with and for me. 
The XXXX said they are not working for them and they have had a lot of problems with honesty and integrity and they were not representing them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've been challenging the incorrect and incomplete items on my credit report withExperian for quite some time with minimum success. I 've sent out countless letters to them certified return receipt to only get responses like " New Information Below '' or " Suspicious Activity ''. As per section 609 ( c ) ( 2 ) ( E ) and 611 ( a ) ( 1 ) ( A ) all data furnishers are required to produce the original signed documentation when challenged to solidify the accuracy and completeness of the alleged debt. Experian has failed to do so on many occasions. 

Company response: Company chooses not to provide a public response
Consumer complaint: Was informed by Bank of America that my Checking Account Type/Variety which was 'enhanced checking ' since 2010 is now being changed to a 'Core Checking ' account with a fee structure. Previously, I had opted into my checking account with an agreement that as long as an active credit card was open with Bank of America, I would n't be charged checking account fees. This appears to be a nationwide move. I did not agree to have my services changed. 

Company response: Company chooses not to provide a public response
Consumer complaint: When I pick the line up there is a brief pause and an automated voice asking me to hold onto the line then an operator comes on and makes sure that I am the person they want to speak to. They ask if I hold an account with XXXX and infrom me that I have an overdue balance. This is the second time I have recieved a call today. The first time I did not recognize the number but knew it was a debt collector from previous expereince. 

I was prevoiusly behind on the account and recieved up to four phone calls a day from different numbers, with different area codes, throughout different times a daty. 

While I take resposibilty for being late on payments the non stop phone calls are borderlineharrasment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX we acquired a Mortgage with XXXX XXXX XXXX. Recently I discovered that in XXXX, XXXX XXXX XXXX was not a licensed lender in the State of Maryland, therefore my mortgage is void and not valid. I have verified the information XXXX XXXX XXXX, Mortgage Licensing SupervisorDivision Of Financial RegulationMaryland Department of Labor, Licensing and RegulationXXXX XXXX XXXX XXXX, XXXX XXXX, Maryland XXXX # XXXX have attached case law that you can verify the information from. Additionally the company went bankrupt in XXXX, subsequently there was an assignment done by XXXX in XXXX assigning the Mortgage to XXXX Mortgage. How is this possible when the Original Lender is defunct/bankrupt. XXXX as a Nominee does not have the authority to assign a mortgage when the lender is no longer in business. I have attached additional case law to prove as well. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: ACE CASH EXPRESS WONT STOP HARRASSING ME AND KEEPS MAKING THREATS TO PLACE ME UNDER ARREST. I TOLD THEM I LOST MY JOB AND COULD NOT PAY OFF THE LOAN, I ALSO ASKED IF I COULD MAKE PAYMENTS, AND THEY SAID NO, AND TOLD ME TO GO GET A JOB AT XXXX OR ELSE THEY WILL PRESS FELONY CHARGES AGAINST ME. MY BANK WAS WITH XXXX XXXX, WHEN I HAD MY ACCOUNT OPEN, I ASKED THEM TO DIFFER A PAYMENT OR FOR AN EXTENTION AND THEY REFUSED AND KEPT CHARGING MY ACCOUNT UNTIL I WAS FORCED TO CLOSE MY ACCOUNT BECAUSE OF NSF FEES. I HAVE NO IDEA WHAT TO DO. PLEASE HELP! 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: On XXXX/XXXX/15, I submitted a complaint letter to Suntrust Bank concerning incorrect information provided by XXXX as my credit data for consideration of a credit card offered by Suntrust. On XXXX/XXXX/15, I sent a letter to XXXX concerning the same above mentioned issue : reporting erroneous credit data on my behalf. I have attached copy of the letters mailed to both companies. To date, neither business has responded to my letters. Therefore, I am requesting your assistance with this matter. I am demanding a response to my inquiry from each business. I have attached a copy of the letters submitted to both SunTrust and XXXX. I also intend to file a complaint on those organizations with the respective XXXX and the Federal Trade Commission ( FTC ). 

Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: item 's on my credit file was deleted. ( XXXX credit card with a balance of {$580.00} ) because this information reported was false. also info on a XXXX privet student loan with a balance of XXXX and XXXX XXXX privet student loan with a balance of XXXX the information being reported on these accounts are completely false and does not comply with the fair credit reporting act 15 USC 1681 et seq 

Company response: Company chooses not to provide a public response
Consumer complaint: My checking account at SunTrust Bank was closed without notice ( no call, email, letter ) and I was locked out of my account with online access. After multiple ( & gt ; XXXX calls ) over 2 weeks to try and resolve the issue and to find out where my disbursement check of greater than $ 5k was, I was given vague answers and no definitive date of when I 'd receive my check for the balance of the account. SunTrust is well known ( online searches ) for this type of poor customer service and lack of transparency with account closures. Please send the balance of my account to the address on file. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have never been to this hospital or even city continued harassment at work and on personal cellphone 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have no knowledge of accounts opened that were asked of me to verify my information. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/15 my credit score went from XXXX to XXXX due to my credit report showing " a derogatory public record or collection filed. '' I have not been sent anything legally certified in the mail nor have I ever received a judgment from any court. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX submitted debt that I did not owe to Credit Mangement XXXX. I have repeatedly talked to XXXX, who have told me that I do not owe the money trying to be collected, but they have thusfar been unable to send me any paperwork or billing statements in writing saying that I do not owe this money. I was told via a XXXX Rep that the debt they incorrectly assigned to me was cancelled, and I should not receive any additional calls from this credit management service. This was not the case, and I was told today, XXXX/XXXX/15 by Credit Management XXXX that I need to pay the bill immediately or it will be reported on my credit. XXXX has again stated that I do not owe this money, and that the issue should be taken care of. I still have no written proof at this time, though I am awaiting an email from XXXX, sending a proof of billing. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank Of AmericaI am in need of your assistancewas there a title report completed 2009? 
was there a property inspection report in 2009, prior or after 2009? 
is the information correct on page XXXX section XXXX? 

Company response: Company chooses not to provide a public response