AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I keep receiving calls from some " legal '' department stating that I owe {$4000.00} on a payday loan - that I can settle for {$900.00} and when I ask for some sort of documents - either email or mail, they turn up the threats - " process server will be at your house btwn XXXX-XXXX '' - you will go to jail you will be ruined. 
They have my SSN, my address, my email, phone # BUT I do n't owe anything to anyone. 
When I tell them that I researched them online and found XXXX other complaints, I was called a nosy XXXX - I need to pay the {$.00} I hang up and then they call back. The voicemail is an automated VM message stating I have to go to a mandated check writing class, I have committed wire fraud and check fraud. 
I do n't owe them anything, but they call and harass me - so far in XX/XX/XXXX alone, XXXX times. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Had a mortgage and refinanced with Bank of America they used the wrong tax ID number and legal description which I did not know they had done. then I filed a chapter XXXX to which they hid the error remitted the corrupted mortgage documents to FHA XXXXand the loan has a retired tax ID and legal description. I tried to get them to correct as they have both the houses which is lot one and lot XXXX using the old legal description and tax ID number. they lied claimed they were correcting the error instead was trying to sell the loan to Nationstar mortgage who told me they refused to buy it because of the corrupt documents. they stiffed FHA FHA has an insured mortgage with no property -- actually no Tax ID or legal description with XXXX housesI sent all the information to OCC which they claim they remitted to you I can recopy all the documents and send them 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo consistently changes the order of my transactions to put me in the negative and then rails me with overdraft fees. The {$300.00} charge on my account is being charged before prior purchases, as to put me in the negative, and then hand me {$35.00} overdraft fees on 3 very small purchases I had made prior while in the positive. I am about to be out {$140.00} in fees alone because of this malicious practice. 

Company response: Company chooses not to provide a public response
Consumer complaint: My checking and savings at XXXX XXXX XXXX were put on hold. I went to my bank to inquire why. They gave me a phone # ( XXXX ) XXXX. I was told I have an outstanding debt with Citibank that had been sold to XXXX XXXX XXXX XXXX in NY. I was told they were sending letters to a home I have n't lived at for well over a decade. I was told they had a legal right to seize my money. I was told the debt was from XX/XX/XXXX. The original debt was from XX/XX/XXXX. In XX/XX/XXXX I was repairing my credit score and settled this debt to the best of my recollection. I no longer have records this far back. I sent a letter to Citibank yesterday in an attempt to track the settlement. It is the beginning of the month. This is when most of my bills are due. I have checks out there. One is to a court for an unrelated incident. If that check bounces because of this I will probably have a bench warrant for my arrest. It is a violation and a {$25.00} check. It is very bad on so many levels. Untangling this mess is costing me money everyday I can not access my bank accounts and their former contents. In all likelihood this has set off a chain of events that could take years to untangle. I missed a potential job interview trying to resolve this. I just graduated with a XXXX degree and am trying to embark on a new career. I am getting married and they took the savings that I 've scraped together working XXXX jobs, XXXX days a week while I was taking XXXX XXXX. As I am typing this I am missing work. I work in the service industry. I do not get paid sick days or time off. It also just looks bad as I had to tell my employers why I am missing days. I might lose shifts permanently because I 'm missing shifts. I am waiting to hear back from XXXX XXXX XXXX. I left a message and the representative also told me she 'd be calling me back today. So far no call. I 've tried to make contact at her office repeatedly today. I may have to keep trying tomorrow. I 've spent the last few days researching what i can to and trying to contact anyone to help. It 's eating up my work and school time. Time is money. 

Company response: Company chooses not to provide a public response
Consumer complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authothize anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within XXXX ( XXXX ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to viewmy credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system. 

Company response: Company chooses not to provide a public response
Consumer complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased A used vechilce and financed it through Westlake Financial. XXXX years of having the truck the engine goes out. I asked for a forbearance on payments, so that I could fix it allowing me to work so that i could make the payments. They did one month forbearance then ordered a repo. ( In those XXXX years I had never missed or been late on a payment ) Once the vehicle was repoed, the company were shown pictures of the engine missing as I told them. They then called me wanting to settle for a XXXX amount then send me the title. I told the to send that in an email or letter and I would agree. The company wants the money first, before they send any paperwork with proof of our agreement. " that 's not company policy '' I do n't think this is proper procedure, let alone common sense! This is a scam company who gets over on people with less than perfect credit. My question is : is it proper procedure to ask for a settlement payment without sending the client a copy before the payment is made? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I usually pay extra on my mortgage. Every servicer I have ever had always just applied this to the principal. My servicer was recently changed to GreenTree. I noticed a statement on my bill that " partial payments '' are not applied, but held ( presumably without interest ). My additional principal was treated as a partial payment. More importantly, if I ran into hard times and paid less ( but still covered interest and some principal ), *NONE* of that amount would have been credited to my account. This practice should not be permitted. Payments should never be placed in limbo not earning interest while you 're paying them interest. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: To Whom It May Concern : My name is XXXX XXXX as of XX/XX/XXXX, i live at XXXX XXXX XXXX XXXX, XXXX, XXXX, I 've lived at my address for 21 years Its my primary residence, XX/XX/XXXX, I was in XXXX, trying to get equity line for {$60000.00}. I put my application in Wachovia Bank Mortgage and after a month they call me they tell me the loan is approved come get that {$60000.00}. When I go there they tell me to sign documents for that {$60000.00} they mislead me, Its fraud which I think that bank do to me, at the closing they told me there going to send me, {$60000.00} at my address, After I finished sign all those papers, I go home and discuss that with my son. My son tell me to cancel the loan, the next day after, I go to the place where I signed application for that loan to cancel that loan. They give me the phone # to call that bank, to cancel the loan so when I called them they say they will get back to me, as well as closing the loan they suppose to give me the form that should give me the ability to cancel the loan, they do'nt give it to me, I went back to Wachovia bank and it was coverted to WellsFargo Bank , also they told me that they pay XXXX XXXX XXXX , the loan # they say I had with XXXX XXXX XXXX , they made up by themself, I never had that loan # with XXXX XXXX XXXX also tell me I never have that loan # which the loan # that Wachovia Mortgage say they pay on my behalf, that loan # XXXX XXXX XXXX XXXX XXXX # with them, they say XXXX XXXX XXXX XXXX #. I believe that Wachovia Mortgage and WellsFargo want to foreclose on my house for the loan they charged me for they never give me any money for that loan also they never pay XXXX XXXX XXXX balance in behalf of me for XXXX. I spoke to XXXX XXXX XXXX about that they say they are not aware of that loan also the bank, WellsFargo recording title on the name XXXX XXXX XXXX in order to get money from me. I think thats fraud. I talk to XXXX XXXX XXXX about the payment WellsFargo claim they pay to XXXX XXXX XXXX in behalf of me. I ask WellsFargo for proof they paid, XXXX XXXX XXXX in behalf of me by sending me a photocopy of the canceled check they pay to XXXX XXXX XXXX. XXXX XXXX XXXX tell me they never received the money from WellsFargo only one way to prove by send me the canceled check. They send me all those documents except the canceled check. I ask them to send to me that they paid XXXX XXXX XXXX in behalf of me, I think thats my right for WellsFargo to send me the canceled check they claim they pay to XXXX XXXX XXXX. If they do not send me that canceled check, the resolution is that they have to pay me XXXX for damages they cost my life, also i can be contacted at my phone # XXXX, Thankyou. 

Company response: Company chooses not to provide a public response
Consumer complaint: We purchased a car from a Bank of America account holder on XXXX XXXX, 2015. A BOA notary notarized the bill of sale and we paid off the loan. To date, we nor the seller have received the lien release from BOA. We are being told that the document is in the mail. It has been over a week and we have not been able to get the car titled in our name. They have our money, but are keeping us from using the car because we can not get it titled, registered and licensed in our name. This should not be happening in this day and age of technology. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX opened an " Essential Business Checking '' account with Wells Fargo in XXXX and I was told there would be no fees - I took a picture of what the banker wrote on my welcome booklet and Wells Fargo has confirmed that, that type of account was free because I have a mortgage account with them. Less than a month later, on XXXX XXXX, Wells Fargo changed my account to " Business Choice Checking '' without telling me and began charging me a $ XXXX monthly fee. No one at Wells Fargo can explain why this change took place and they simply said they no longer offer the Essentials Bus Banking. I was told by the CS rep at Wells Fargo that I was notified either by email or mail but I was not. I have also checked the secure emails that they sent to me within my online banking. They are refusing to refund the {$14.00} fee and I now have to go close out all my accounts with them. Here is what they wrote after I emailed them my complaint : " I received your email inquiring about changes to your account. I know how frustrating it is when unexpected fees are assessed. 

Effective XXXX/XXXX/2015, your Essential Business Checking account waschanged to Business Choice Checking. The account will have a new $ XXXXXXXXmonthly service fee. I regret that I am not able toreimburse the fee at this time. " I would just like there to be a record of Wells Fargo 's shady business practices. 

Company response: Company chooses not to provide a public response
Consumer complaint: noticed that my credit scores continue to drop. See attached documents from XXXX. Nothing received from credit agencies on why scores continue to drop. 
Continues to have a devastating impact on credit worthiness. 
Attached documents submitted to support case numbers XXXX ; XXXX ; XXXX. 
These scores could prove negative, when decisions are to be made on a recent request to refinancing VA loan. Continues to have a devastation impact. 

Company response: Company chooses not to provide a public response
Consumer complaint: Coastline and Associates called me on my work phone to tell me they are going to serve because I am being sue for a credit card I owe back in 2007. The guy was mean, rude and threatening to garnish 25 % of my pay. Their number is XXXX. I was upset that they were threatening to come to my work let alone call my work phone. I told the gentleman I have to look into it. He got upset saying I need to pay the amount now or they will start working on garnishing my wage. This is not legal by any means. So I hung up on him. He then proceed to call me 5 times from an unknown number. Please help me stop them from harassing me at work. This is not right. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I have received a notice stating that I was placed in collections for an account at a XXXX. I have never been to a XXXX ever. I contacted the company and there is no account information at all which would make sense as I have never even been there. Please resolve this as quickly as you can. 

Company response: Company chooses not to provide a public response
Consumer complaint: this acct is fraudulent and is a result from identity theft and the company is reporting this to the credit bureaus as well as has an open acct that needs to be closed with their company. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I tried to open the checking account with 1st Bank aka https : //www.efirstbank.com which was offering me {$200.00} for the new accounts after meeting certain conditions. I provided all the information and also the funding information ( from another account ) to fund this. Then i submit the application over internet. But next day i received the call that as per XXXX report - i am denied opening a new account. I was asked to check with them ( XXXX ). Why they are not letting me open the checking account at the fist place? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: its not my account 

Company response: Company chooses not to provide a public response
Consumer complaint: Multiple calls multiple times a day. I do not have debt 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am doing a short sale so I can sale my home. I was previously informed by a representative that I need the buyer to at least offer XXXX. Another buyer offer XXXX which was the listed price after reducing it from XXXX. A new XXXX came in at XXXX. We submitted a dispute on a previous XXXX to justify our offer. We were emailed an appraisal stating XXXX with XXXX in repairs. Different reps are giving different information and I am the person that will suffer if the house goes into foreclosure. 
Also, investors require 88 % to 90 % of market value but the rep keeps stating we need to raise the offer. We have pointed out why the property is hard to sell and the clients are about to walk. He will not give what the bank is trying to net but says were a couple thousands off. We removed several items from the HUD-1 due to the reps request which increase their gain by XXXX. I think that is a couple of XXXX but maybe couple XXXX now means something different. I have emails and from the previous rep to support my claim. This is a serious problem on how banks treat customers and how they lose their homes due to them. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX called my Employer - and left a message on the Department Heads voice mail saying they are calling for me XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: chex systems reports that i have deliquent bank accounts. I filled bankruptcy XXXX chapter XXXX included all bank accounts. now im on my feet and cant open an account 

Company response: Company chooses not to provide a public response
Consumer complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act XXXX XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system. 

Company response: Company chooses not to provide a public response
Consumer complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system. 

Company response: Company chooses not to provide a public response
Consumer complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system. 

Company response: Company chooses not to provide a public response
Consumer complaint: They filed a response to my complaint in Case number : XXXX stating " We have also updated our records to reflect that you do not wish to receive automated calls to the cell phone number you identified. '' However, I recently filed yet another complaint that they were calling my cell phone 8 times a day. They claim it is their right. I explained if a person answers you CAN NOT keep calling them. The most recent Case number : XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Had a tax lien put on credit report from a past tax bill die from a death in the family. Paid bill in full when found out bill was due. This reflects mine and my husbands credit score. 
Tax lien was from : XXXX COUNTY CLERKXXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX {$550.00}. Paid in full 

Company response: Company chooses not to provide a public response
Consumer complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within XXXX ( XXXX ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system. 

Company response: Company chooses not to provide a public response
Consumer complaint: Have a Tax lien on my credit report resulted from a back tax bill from wife 's deceased mother. Bill has been paid in full when we found out about itXX/XX/2011. 
tax lien from : XXXX COUNTY CLERKXXXX XXXX XXXX, NY XXXXamount of {$550.00}. Paid in full ( XXXX ) XXXX 

Company response: Company chooses not to provide a public response