AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I had an open complaint with the CFPB regarding my loan with Wells Fargo. I reviewed their response via your web portal in which they stated they were unable to reach me. The response infuriates me, because Wells Fargo DID NOT act in good faith to allow sufficient time for me to respond to a call. When I spoke with an agent, XXXX XXXX, in the office of the president, she maintained that the responses were, in a word, canned responses, and that the " CFPB knows what we mean when we say we are unable to make contact. 

As a consumer, I find it appalling that a company like Wells Fargo can get away with providing false and inaccurate information to a branch of the federal government, and if it is true that the CFPB " knows what [ they ] mean '', I do not understand how it is possible that the CFPB is protecting consumers. It would seem that the CFPB is catering to the lenders and agents who are abusing consumers rather than taking these lenders to task over false and/or inaccurate information. 

When I asked Wells Fargo to provide a clarification letter, they stated they would n't because that was not how the " CFPB wants [ them ] to communicate. '' Again, it would seem like the agency tasked with protecting consumers prefers to have inaccurate information provided to it versus forcing the lender or company to be truthful in their statements. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a private XXXX loan through Citibank. They are threatening to send my account to a collections agency, even though I am enrolled in school. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied to a loan. Transunion inform the bank that my automobile was placed for collection because I did not paid on time. I went to XXXX Bank in XXXX XXXX to claim that the information was a mistake. In XXXX 2015 I paid the car loan completed and today I have the title of my car. The Bank blame TransUnion or the computer. Then I called TransUnion and they blame the bank. Meanwhile, I need the make a loan and because of this situation now I have to paid 12 % of interest instead of 4 % due to the error on my credit report. Someone has to paid this mistake. I am very disappointed with both XXXX Bank and TransUnion Credit Report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an e-account with Bank of America. I was told that I would not be charge any fees. 
however every month I am being charged a $ XXXX monthly fee. 

I have called and visited the bank to take the fees off and they have done so. 
However since XXXX 2015 they have refused to do so. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have a mortgage loan. We filed and were discharged from a bankruptcy case. Our payments were all made according to terms agreed upon by our current mortgage holder at the time. During the bankruptcy process our loan was transferred to another company SLS - Specialized Loan Servicing LLC - which is trying to charge us for pre-bankruptcy fees not included in claim filed. They are sending foreclosure notices and are not co-operating with us or the lawyer we have had to hire to protect our interests. We are filing a complaint with you as per our lawyers advise. Please help us - Thank You 

Company response: Company chooses not to provide a public response
Consumer complaint: Recently I disputed a bankruptcy with Experian that was verified as accurate. I disagree with the results. Although i have filed for bankruptcy in the past the date that Experian is reporting is incorrect my bankruptcy was filed XX/XX/XXXX and should have expired off my report XX/XX/XXXX. The bankruptcy is now only reflected on my Experian report and has long been gone from the other credit reporting agency 's ( XXXX and XXXX ). I have uploaded documentation that supports my claim. please review thanks. 

Company response: Company chooses not to provide a public response
Consumer complaint: A company called XXXX XXXX called my home number approx. XXXX weeks ago stating " XXXX XXXX asked them to collect a ( fraudulent ) delinquent collection of about {$150.00} from something I bought at a XXXX store in XX/XX/XXXX ''. I told them I pay my cell phone bill in full, there is nothing ever on there indicating anything purchased at a XXXX store in XXXX. Can not remember last time I was in a XXXX store. And they asked if my new address was XXXX XXXX. I told them I continue living in the house I bought XXXX years ago at XXXX XXXX. My address has not changed, so whomever account resides at XXXX XXXX is not me. Told them I 'll get in touch with them within XXXX week. They said they 'd wait XXXX week. XXXX days later they were again calling multiple times each day. Within a week I sent them a letter requesting confirmation of " such transaction and the XXXX months verification billing statement XXXX claims they sent me ''. Which I never received, because I never went to XXXX to buy anything. I get a letter from Experian saying " we 're contacting you on your new address. '' When I downloaded my credit report I find - even with the {$30.00} I paid them for a security freeze to protect me from fraud - Experian let XXXX apply a fraudulent new address to my name. I tried contacting Experian on all XXXX available XXXX numbers, but its a loop of never ending extensions that no person ever picks up. I tried putting in my credit card number to see if my credit score changed, and they blocked me saying I have to contact them with multiple proofs of identity by mail with a personal check. I went to their Victim Fraud page, click their hypertext link for " U.S. Postal Services Website Government Services '' which leads me to " USPS Links : File or Page Request Not Existent ''. I called the Experian number for " Immediate access to or fraud resolution professionals '' and it did not connect to anyone. 
It appears their claim to protect consumers paying for a {$30.00} Security Freeze only freezes out the consumer who paid for the service, while fraudulent companies are permitted to post any fraudulent collection data, and illegally change my address with no contact on any of this from Experian until After The Fact, leaving the consumer to clean up the fraud. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are information on credit report that are over XXXX old.By law those should be remove. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX IS REPORTING XXXX XXXX XXXXpursuant to FDCPA the reporting agency is required to provide WHO is reporting such information and their contact information that I may have them validate, absence of that information this must be removed from their reporting. 

Company response: Company chooses not to provide a public response
Consumer complaint: I asked for a validation of the alleged debt this was back in XXXX and they have yet to comply. They have defaulted on my Administrative process, I sent a cease and desist letter, they then sent all correspondence to a third party which is an attorney. But they have not validated the alleged debt, and this attorney and I do not have a contract, he is not licensed in my state of XXXX, he is in XXXX. I have all letters that they sent me as well as the attorney. I have a copyright for the name in XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX SERVICING IS REPORTING AN ACCOUNT ON EXPERIAN CREDIT REPORT indicating that a mortagage was paid for and never late. This data was disputed with EXPERIAN without validation as per FDCPA. 

Company response: Company chooses not to provide a public response
Consumer complaint: CREDIT REPORTING AGENCY REPORTING INFORMATION DISPUTED/NOT VALIDATED pursuant to FDCPA this data must be removed absent the validation. 

Company response: Company chooses not to provide a public response
Consumer complaint: HiOn XXXX XXXX, 2015 I requested wire transfer of {$4000.00} to my friend in XXXX XXXX 's XXXX and XXXX XXXX, XXXX Mgr at Wells Fargo Bank XXXX Wisconsin XXXX XXXX XXXX XXXX did wire it on XX/XX/2015 Monday XX/XX/2015. She is telling me to get full details of receiver and atty. XXXX after sending wired sum that I gave in cash. 
I am unable to get their info and requested that it is Wells fargo Bank 's responsibility as they did contact XXXX XXXX 's office thru their e-mail system and it was quickly replied by his office. 
I have repeated ly requested XXXX XXXX, Serv Mgr to recall wired sum and credit my cheking account with them. She is giving me run around. 
Please help get wired sum back in my bank account with them immediately. 

My name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX XXXX, wi-XXXX. 
Checking A/c # XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Public record XXXX Dist Court Docket # XXXX, plaintiff XXXX XXXX went to small claims court asking for {$550.00} dollars for contract work not completed. Judge rule on the side of defendant and agreed with amount paid prior to the court appearance and I agreed to pay court cost of {$93.00}. TransUnion shows I owed and did not pay until the court appearance {$240.00} and that is not accurate. I keep explaining this to them and they continue to post the same explanation? 

Company response: Company chooses not to provide a public response
Consumer complaint: hi, my mortgage was with countrywide until XXXX than bank of america claim they have the mortgage at the same time my husband and i helping my father with medical and haspital bills he was XXXX .we ask and wrote bank of america hard ship/forbearance loan but bank of america did not get us but modifacition loan trial XXXX modification trial application satart XXXX but delay after delay paper after paper we didint get loan trial start until XXXX we start to pay XXXX, XXXX, XXXX, XXXX, XXXX but check we pay in may they send send us back i dont know wahat happend before we do bank of america foreclosure on .after all we new aplication new paper work restarted.on XXXX XXXX we write letter to deman XXXX is our lender after we cosult a lowyer andread some information bank america mortgage froud /modification froud bank america send me a letter XXXX XXXX saying bank of america was a servicer and my lender /investor is countrywide ... my XXXX years home for my still on foreclosure, i cant affort to pay XXXX {$20.00} for a lowyer.we bought XXXX years ago for {$82.00}. we cant get credit to fix ac/bathrooms/kitchen/roof/floor need list XXXX {$75.00} now bank of america get me to sign loan modification for over {$120.00} we are suffer, XXXX and frustrated XXXX years, my husband had a XXXX XXXX XXXX from stres we need help. 

Company response: Company chooses not to provide a public response
Consumer complaint: A debt dating from 2006 has been relisted on my credit file by XXXX XXXX. This debt has passed its status of limitations and had already been removed from my credit file. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a call from a company, XXXX XXXX, stating that I owed a payday loan that I never took. I did look into one years ago, but the fees were outrageous and I did n't finalize anything. They stated that it was my responsibilty to prove I did n't take it and that the fact that they had my information was enough for them to prove I did. All I have is a phone number for them, XXXX and after searching online, I found that they are doing this to alot of consumers. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have not been able to get my free credit report online from TransUnion for 4 years. TU always claims that they can not verify my identity, yet they do n't even ask any identity verification questions before denying access. This year, I ordered a report over the phone after failing to get one online. I will see if it actually comes or if they deny that as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: In early 2013, I called Bank of America to inform them that I will not be making a payment that month and that I would like to close the secured credit card account. The funds would 've covered the entire outstanding balance due and the remainder of such should 've been refunded to me as I was informed by the representative. To add insult to injury, additional interests and fees were assessed to the account until it was " charged off ''. I came to know that the account was never closed as requested when I recently ran my credit report. I have made numerous attempts so that the situation could rectified to no avail. 

Company response: Company chooses not to provide a public response
Consumer complaint: My father passed away and his money market and checking account were set up as POD, payable upon death, to me and my brother and sister. Before we even got back from his funeral, they froze his account and said they would not honor any checks written against the account, even if they were written before his death. We went to the Bank of America to close out these accounts. They said it would take XXXX business days to get our money. We had just come from another commercial bank and it took us XXXX minutes to close the account and get our money. So, we got into a long discussion on why it took so long to get the account closed. I had talked on the phone with Bank of America XXXX days before we went in. They said if we presented a Death Certificate and signed papers the branch bank would cut us checks. Never happened and after talking to several different people with several different answers, the time period for getting the checks esculated to XXXX weeks! We left the bank without any resolve to our situation. So each FDIC bank can make up their own rules on when someone can get their money. Either Bank of America is breaking the law, or the Banking sector has no real hard and fast rules for protecting customer rights to their money. What good is a Payable on Death account if the Bank of American can make you jump through infinite hoops to try and get your money? 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX our house XXXX, in XXXX the insurance company settled with us an sent a check for the settlement with both my name and the mortgage company. I endorsed the check and send it to the New American Funding and they deposited the funds into an escrow account. My outstanding mortgage was XXXX and the settlement was for more than that amount so they sent me the difference to use as I pleased. I then asked for a dispersment for the demolition of the house, had an inspection and received XXXX. The balance in escrow was now about XXXX. The loans then sold to New American Funding ( confusing I know it seems like the same company ) and they then said I needed to resend all the insurance documents etc. I indicated they should and do have all of those and they needed to find them. After four weeks and multiple phone calls they finally had the documents, even though they had them the whole time. I was sent information that said you would receive payments in XXXX as the house was completed. Three weeks ago I spoke to XXXX as they had received the inspection report indicating the house was at least XXXX percent complete and requested the XXXX draw. I was informed that the XXXX draw was less then the normal thirds they would have send and that the XXXX draw would be larger to get us to the 66 % mark. I receive the draw and it was not the XXXX I was expecting, it was XXXX. I have a house that needs to be built and paid for. The person I called said they were considering the first payment they sent out the amount of the settlement in excess of the loan amount as a draw. However it is not. They have no control over funds about the mortgage amount. Also it does n't seem right that they continue to charge me interest on my loan and make interest on the funds they are holding against my loan. It has been very disorganized, they can not send or receive email and if you ask for a supervisor they can not transfer you. One has to call back in 2 days. They call outside of normal business hours for my time zone, and every person you talk to tell you different information. I need to amount to be corrected and sent as I have a builder I need to pay. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian sent me a letter refusing to conduct an investigation of errors on my credit report because they said the letter was suspicious. I am attaching a copy of the letter I sent them to this e-mail, and there is n't anything suspicious about it. I even included copies of my 2014 XXXX and drivers license to verify my identity. They gave me an e-mail address to go to so that I could verify my investigation request XXXX. After entering in my information, they told me I had to mail in my request. Well, obviously, I 've already done that. They also gave me a phone number to call : XXXX. I called it, but I ca n't get out of the automated system and speak with a real person unless I buy something from them. The investigations are supposed to be for free. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a bank account with Santander Bank. I received a domestic wire into my bank account in connection with a purchase of residential real estate. When I tried to wire the funds out of the bank to finish the transaction, I was told that I would have to wait 3 business days in order to access the money. The purpose of a wire is so that the funds are clear once they clear the Federal Reserve. I feel that making me wait 3 business days to have access to money wired into my bank account is illegal and unethical. The funds should be available once they are received by the Bank ; once received by the bank they should be put into my account and be immediately accessible. The bank is doing this to make money off of other people 's money. 

Company response: Company chooses not to provide a public response
Consumer complaint: Last month I sent a certified letter to Experian to dispute an Account # XXXX currently being serviced by XXXX XXXX XXXX XXXX company. I filed a complaint with the Consumer Financial Protection Bureau against this company back in XXXX of 2015 complaint # XXXX. CFPB sent my complaint to XXXX XXXX XXXX on XXXX XXXX, 2015, and was suppose to get a response from this company within 15 days. Today is XXXX XXXX, 2015 and still no response. I filed a complaint with Experian Credit reporting agency and received their findings concluded that this account was validated by the collection company, but yet in still they have not responded to me or the CFPB. I am sure that Experian did not validate this account but from what I have read are friends with the owner of this collection company and are protecting this company interest. I want Experian to provide me and the CFPB with the validation information received from this company. And I want this account removed immediately from my credit records and confirmation of this sent to me immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: Status of my Account reported to the XXXX credit bureaus XXXX not what was promised in my settlement agreement with XXXX Bank - Status currently shown as " Charge Off '', Settlement Letter Stipulates " Settled in Full '' XXXX XXXX Bank through its designated agent XXXX XXXX sent me a settlement offer stating if the amount requested was paid, my account would be " settled in full '' I paid the amount and met my side of the agreement. To this date, XXXX Bank is saying they do not have to report the status of my account as " Settled in Full '' I feel I have been defruaded by a bait and switch tactic taking advantage of someone just coming out of 4 years of unemployement due to the recession and trying to clean up the damage to my credit caused by unemployment ; offers to report the status positively as " Settled in Full '' to get the money and after recieving the money reneges on their agreement letterSee attached letters 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I were the victims of a scam. Someone called my husbands cell phone claiming to be a representative from USAA Bank which, at the time, was our primary banking institution. The individual posing as USAA requested that my husband verify certain pieces of his personal information in order that she could check to make sure he was eligible for {$10000.00} to be deposited into his account. To make a long story short, this individual was impersonating a USAA representative. They then proceeded to deposit fraudulent checks into several of our accounts to include my children 's dependent accounts and withdrew over {$6000.00} dollars from my husband 's account from an ATM machine all in one day which I feel is very strange. Shortly after all these transactions were made, we received an automated telephone call form USAA stating that they suspected fraudulent activity on our account and instructed us to call them. We called them and that 's when we were informed of the transactions. This was on XXXX XXXX 2015. Since that date, USAA has been very uncooperative with us. They have refused to give us information about how we can try to recoup the monies that were stolen from us. They have not even given us anything in writing explaining to us what our options are. Every time we call them in reference to this situation they say that we need to speak with someone in the fraud department and we have to hold for hours or are disconnected. It appears to me that they are deliberately treating us in this manner because we never had a problem with USAA until this incident. My most recent contact with them was today XXXX/XXXX/2015. I called to see if I could get some type of written documentation outlining the fact that our accounts were frozen due to this fraudulent activity which lead to my mortgage payment check being returned and incurring a fee and a 1 year penalty of not making any election payments. After I was transferred about XXXX times and was on hold for 1 hour, the representative told me, " USAA will not provide any information of the sort due to the fact that USAA has deemed that you are responsible for this series of events. '' I find it really hard to believe that as international bank that preys on the Military Community, ( we are a Military ), they could not give us any guidance or help with this potentially career threatening matter. My husband is and XXXX and I also work for the XXXX. We have both now been sent to a collections agency about the balances even after we have called to speak with their internal collection department to try and set up a payment plan for the over drawn accounts. This has been such a horrible situation and to have the door shut on us by a financial institution that I have been with for almost 10 years is very disheartening. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for a checking account and was told that XXXX XXXX is reporting a charged off checking account in my name. I have been a victim of identity theft and there were fraudulent loans opened in my name XXXX XXXX was one of the institutions involved. I have filed a police report because of the continued issues that i have been having with identity theft. I am writing in this complaint becauseI have tried to get in contact with Chexsystems and have not been successful in getting helped or located in their system. 

Company response: Company chooses not to provide a public response