AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My Mothers mortgage went into default due to hardship. I contacted Wells Fargo requesting the steps to assume or modify the loan and explained my intent was to keep the home. I spoke with numerous people at Wells Fargo. I was informed that we can apply for a modification and or other alternatives in order to keep the home. They assigned a Home Preservation Specialist by the name of XXXX XXXX. She started the process and then stated that because the mortgage is on my mothers name it could only be done with her. She stated so it ca n't be done. Several calls back in forth no success. I contacted Capital Law Center XX/XX/XXXX they received initial payment via invoice even up to XX/XX/XXXX, and seemed as if they were getting the process rolling as I thought, until I find out I was scammed, with no return calls or notices. Next day of XX/XX/XXXX, received an advertisement on foreclosure, concerned I searched the internet and found out that the house will be auctioned on XX/XX/XXXX. I wanted to assume mortgage under my right according to The federal Garn-St Act of XX/XX/XXXX. The Act prohibits enforcement of a due on sale clause in certain transactions such as : a transfer from parent to child. They failed by not allowing me to assist in keeping the home. 

Company response: Company chooses not to provide a public response
Consumer complaint: This month I checked my credit report through XXXX. On each report there was a new item for {$2000.00}. One is listed as XXXX ( TransUnion ) the other as XXXX ( XXXX ) ; both list the original creditor as XXXX. I do not have a XXXX account ; my last XXXX account was closed in XXXX, 2011 ; and had a XXXX balance. I have received no XXXX communications since. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a dispute with transunion credit reporting agency of a judgement on my file docket # XXXX, i disputed the inaccurate information and wants the item deleted, on XXXX/XXXX/2015, transunion sent me investigation results stated that the item is verified, on XXXX/XXXX/2015, i contacted XXXX representative, their attorney XXXX, i spoke to a rep named XXXX XXXX, who indicated the case is settled and i do not owe this judgement, i want transunion to delete the inaccurate information it is reporting on my file which is causing me financial distress, i believe unverifiable and inaccurate information should not be put on a consumer 's credit report without due investigation and research of the account. im therefore demanding the appropriate action of deletion be done immediately 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion will not give me my FREE credit report! They want to charge me for it and have me sign up for something I do not want!!! I NEED my report NOW ... not in 15 days. I want it online. What am I suppose to do to get it? 

Company response: Company chooses not to provide a public response
Consumer complaint: Home depo credit card, citi bank reported my account late to my credit report. I have my a payments set up on auto pay through my bank account, I had no knowledge that they had not received a payment until today. Today XXXX was the first call made to me by citi bank to advice account was past due. I immediately set up payment as I do not want my account in bad standing, nor would I have every allowed it to be late had I of known earlier this account was not being automatically paid. Citi bank XXXX home depo credit ) advised and confirmed that they had NOT reached out prior to today to get ahold of me to advise they did not received payment and now is 90 days late. You always received a call by any creditor to advise of this type of status before being reported to your credit so you can resolve it. I again, was NEVER advised until today after it was already report and that was confirmed by them. I also immediately paid once I got call, I believe that any type of negative reporting on my credit from Home depo/Citi bank is not accurate and was done wrongly 

Company response: Company chooses not to provide a public response
Consumer complaint: i received an email offer from USAA that stated if I setup direct deposit of XXXXand it totals XXXX or more o would receive a XXXX cash incentive XXXX. I accepted the offer prior to the deadline but it would not work correctly on the website. XXXX I called and spoke with several representatives and was told that there were issuew with the website. So I explained to the rep what I called for and I was INFORMED THAT DUE TO ME ALREADY HAVING A SAVING ACCT with them that I do not need to setup a new checking acct I can setup my direct deposit to my current savings acct and I would qualify. The rep assisted me in setting up the direct deposit. I called back a few days later and spoke with a rep and they confirmed that everything was setup correct and I am qualified for the incentive. When I did not see the deposit at the time I was informed it would be in my acct I called the bank that then I was told I do not qualify for the XXXX incentative. 
I have spoke with over XXXX representatives about this issue and no one wants to honr that I was given incorrect information and that they should honor what was told to me. I asked the representative can they pull up the recorded phone conversations and all of them stated that they have no way of retrieving the conversation. I am not the only customer with this issue of being told incorrect information. If you look at there XXXX Service Board there are other individuals that are upset about being given incorrect information and not receiving there XXXX dollar incentive as promised 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XX/XX/XXXX ( approximate ) I called Ally to request a change of date for my car payment. This was granted, they requested I pay an initial {$38.00} asap. ( letter dated XX/XX/XXXX ) Pmt posted before XX/XX/XXXX. Second letter instructed : Account Details Upon Finalizing the Extension-Including the scheduled payment originally due XX/XX/XXXX and all scheduled payments originally due on a monthly basis thereafter, all remaining scheduledpayments have been extended by '10 days. As a result, a scheduled payment of {$380.00} will be due XX/XX/XXXX and the remaining scheduled payments of {$380.00} each will be due on a monthly basis beginning XX/XX/XXXX. XXXX scheduled payments will be extended. The amount extended is equal to $ XXXXXXXXTo finalize vour extension. vou must pay the MINIMUM AMOUNT REQUIRED TO FINALIZE YOUR EXTENSION. As stated above this was completed. I have XXXX letters with these instructions, which I followed precisely. 

XX/XX/XXXX paid {$38.00} per letter dated XX/XX/XXXX must pay min payment to finalize your extension. New due date XX/XX/XXXX with amount due {$340.00} ( paid {$38.00} on XXXX ) and {$340.00} on XXXX paid 9 days late ( from XXXX ) = {$380.00} FOR XX/XX/XXXX PAYMENT = CURRENT and UP TO DATE. 

Per Ally Website payment historyXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtAll payment are accounted for according to Thier website. 
I called several times to dispute error. They refused to correct. I disputed with Experian they refused to correct after XXXX disputes. 

please help to correct this error it is effecting my credit and ability to refinance. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a US bank account a couple years ago that was hit by fraudulent activity. I called customer service as was told my account would be closed and not to worry about it, a few months later I started receiving bills from them stating I owed over {$1000.00} in overdraft fees and that my account had not been closed. I called the customer service again and was told that the other guy did n't do his job and that if I did n't pay them right away they were going to report my account as being abused and fraud on me. I refused to pay as I had already been advised that I would n't have to worry about it. I have since had a XXXX XXXX 2nd chance bank account for over 2 years now and feel that I am forcing myself to suffer by not having a real account all because US bank feels it 's ok to rob people. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received many calls from the company but always an automated response with no information about the debt. I have tried to contact someone from the company to inquire about the debt but they are unable to tell me anything about it. Appears to be a scam based on what I read online. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Threatened to send police to get me. Refused to mail me documents stating what debts I owed. Wo n't stop calling me or my family. 
( XXXX ) XXXX 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Me and my wife have owned a house at XXXX XXXX XXXX XXXX XXXX, New Jersey for many years and about four years ago dropped down to 15 year mortgage. We were very happy until I got a letter from Freedom Mortgage and they pushing to cash out for a promotion. After speaking to my wife we said lets look into. Well that is when Freedom uncovered their mistake of not taking enough out for escrow. This is their job and not mine, why they are called XXXX XXXX. I then called Freedom back on XXXX XXXX to see what XXXX XXXX mortgage payment would be, they said it would change in XX/XX/XXXX and not to worry about it XX/XX/XXXX Well my usual payment is about {$1600.00} and when I woke up XXXX XXXX my new payment was XXXX. I went nuts and me and my wife and family barely survived. This is just wrong, after I had called, and told it would n't be going up this month. I under stand it has to go up, but give us some notice. 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2009, I had a property financed with Bank of America that went into foreclosure. Despite the fact that the property was surrendered back to the bank, they are still reporting to the credit bureaus that I owe them XXXX in relation to this mortgage. I have tried to dispute this balance with the credit bureaus, but Bank of America continues to tell them that I owe them $ XXXX, despite the surrender of the property. 

Company response: Company chooses not to provide a public response
Consumer complaint: I keep getting an address on my report and i have never ever lived there, so please remove it. XXXX XXXX XXXX XXXX, IL XXXX I have never even been there in my life. 

Company response: Company chooses not to provide a public response
Consumer complaint: Mortgage payment made through XXXX XXXX XXXX bill pay on XX/XX/XXXX. To date, Wells has not posted this payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted Phillips and Cohen requesting debt validation on XXXX/XXXX/2015. This was my second request to get verification of this debt and they have ignored my request time and time again. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: SEVEN/TEN YEAR RULE UNDER FCRA GUIDELINES - REMOVAL OF TRADE LINESXXXX new decisions - XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ___ XXXX ___, XXXX XXXX XXXX ; XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ; and XXXX ( XXXX ) XXXX XXXX XXXX ( ordered depublished XXXX XXXX, XXXX ) - have changed, clarified, or confused ( depending on your point of view ) the legal landscape in California as to the legal obligations of so-called " furnishers '' who furnish credit-related information concerning consumers to credit reporting agencies. These cases address the obligations of furnishers under federal and state law to supply accurate information, as well as a furnisher 's obligation to " reinvestigate '' a consumer 's dispute. These cases also indicate that, for the time being at least, a heretofore unrecognized private right of action exists under Civil Code 1785.25 ( g ) and 1785.31 for failure to accurately report credit information in violation of 1785.25 ( a ). An understanding of the relevant history is important before one can properly evaluate the current state of the law and the XXXX and XXXX decisions. 
The Original FCRA Legislation Applies To Credit Reporting Agencies OnlyThe Fair Credit Reporting Act ( FCRA ), found at 15 U.S.C. 1681, et seq., was originally enacted in XXXX. The express purpose of the FCRA was to require that consumer reporting agencies adopt and implement " reasonable procedures '' for ensuring that credit information about a consumer was collected, maintained, and dispensed " in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information ... '' FCRA, 15 U.S.C. 1681 ( b ) ; XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, XXXX. The Congressional findings noted that " [ t ] here is a need to insure that consumer reporting agencies exercise their grave responsibilities with of fairness, impartiality, and respect for the consumer 's right to privacy. '' FCRA, 15 U.S.C. 1681 ( a ) ( 4 ). However, the credit bureaus do not follow through with any methodology a system that automatically removes an antiquated credit trade line, which leave creditors in control to remove a negative trade line at a later date by simply re-aging the trade line payment history. 
Notice that a positive trade line can be maintained for a ten year timeline from the credit procurement after the account has been closed out. The ten year timeline carries from the date the credit trade line was first reported to a credit reporting agency, or from the date of procurement of the debt. 
I demand the above referenced credit trade line removal based upon the passing of the seven/ten year timeline. And I maintain that there is no further relevancy to the debt being posted under FCRA guidelines. The above-referenced state cases show that the accuracy of credit reporting carries into state court cases as well, whereas a creditor can be brought up on serious civil charges outside of federally protected jurisdictions under FCRA. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made a payoff on my account as I sold the house that I was living. I closed on XX/XX/2015, and funds to pay off the balance was received by Wellsfargo on XXXX XXXX, 2015. By law they say that they need to hold onto the escrow funds for an additional XXXX days ( all this time they hold the money and I earn no interest ). Today is XX/XX/2015 and I have not yet received the escrow balance in a check that they supposedly cut on XXXX XXXX, 2015. I have contacted them three times asking where is the check with the balance -- Wellsfargo only says that they have cut it on XXXX XXXX and it should have been mailed ( they have the right address ), but no funds yet. I believe that this is how they make money ; they keep people 's money for longer periods, as long as they can hold onto as it is " free of charge money '' and in the meantime if we are late on payments they charge us fees plus daily interests. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been receiving calls from STP processing for awhile now and they rarely leave messages. I have been injured and not able to properly communicate over the phone until recently. They call me a few times if not more each day. They have called my old employment and family even though they have my phone number that is still in full function. They have threatened a pending legal action and putting me in jail. They have not told me what the debt is or who they are associated with and I have never received anything in the mail from anyone about this matter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Account remaining on my credit report after the company has requested numerous times to remove it. 

Company response: Company chooses not to provide a public response
Consumer complaint: On a recent visit to my local Wells Fargo branch -- where I only wished to have my PIN updated on my debit card -- I was " offered '' the opportunity to apply for their Wells Fargo XXXX XXXX card. Though I was n't particularly interested, the branch agent stressed how the XXXX card would offer a great chance for a " lot lower interest rate than your other cards '' which I had said averaged 13.6 %. Fine, I thought, and applied right there through the agent who was entering my application on his system. 

A few days after the application was made ( with a credit score of XXXX and a verifiable income of {$80000.00} ) my online banking Wells Fargo account added the following card to my account list:1. Wells Fargo Platinum ( not the XXXX card the agent said I was applying for ) 2. A credit limit of {$50000.00}. An interest rate of 22.5 %, following the 0 % interest 15-month grace period. 

In short, I was bait-and-switched by the branch agent on the product I was applying for ( no mention was EVER made that I was applying for or might be downgraded to a different product ) ; the likely amount on the credit limit ; and the interest rate ( that is nearly double any of my other cards ). 

After first contacting the agent ( a XXXX XXXX XXXX to voice my complaints, I was pushed up the ladder to an XXXX XXXX, the " Regional Banking District Manager, Vice PresidentXXXX Colorado - XXXX ''. XXXX assured me that he would look into the matter, and that he would be pushing the case further up the line. A few days later, I noticed that the account 's credit limit had been increased to {$14000.00}, but the account remained a Platinum card account with the 22 % + interest rate. Once again, this was offered to a long time Wells customer ( 20+ years ) with a XXXX credit score and verifiable income. 

I next received a call from Wells " Premium Card Services '' and was abruptly told by an agent named XXXX, " your card will remain a Platinum with 22 % interest rate, and no, there is no one else to discuss this with because how we have arrived at that decision is confidential ''. 

So that was it : bait-and-switched by Wells Fargo with no further explanation, and taking the hit on my credit report for making the application in the first place. 

Company response: Company chooses not to provide a public response
Consumer complaint: My story started when Bank Of America bought our loan! We bought the house in XXXX XXXX my wife & me at the time XXXX & I thought that we also has insurance on each other in case XXXX passed away, which I will get to later. I got hurt while moving into the house pretty bad. XXXX I worked with these injury 's for a few years in XXXX of XXXX I could no longer working XXXX to make it thru the day. My wife decided that she did n't want to stay so she left & filed for divorce while i was going thru all this. 
I had to XXXX & lost my job to weeks after XXXX. I knew I could n't go back to work so I filed XXXX which I received. since XXXX of XXXX I had been asking help from Bank Of America which they said they would told me to send in a collection of paper work to get the loan modification going which I did over & over again they kept losing my paper work or saying they did n't receive it. this went on till I went up town to the XXXX for help then it still took them for ever to get a loan mod. & XXXX dollars added to my loan from them playing these games. It get better so after all that I met a lady that moved in with me that help me get the loan mod. everything was going fine till XX/XX/XXXX XXXX. So XXXX family comes first we had to help support him & is family while he was recovering. I was n't happy with the loan mod. but they had me over a barrel! I get my XXXX check on the third week ok every month. They made me pay XXXX house payments at closing which put me behind 1 month & late every month. That 's how my second go around with the XXXX. 
started stuck behind the XXXX ball, so when her XXXX we fell behind further. 
I called them an asked if I could get help & they said sure maybe we can get them to let you make extra funds on top of the monthly payment. All I had to do was to summit a pack of papers again that when the games started all over again & the fee 's! I sent this papers over & over & over! I was told by XXXX person that they was all there that it under review & the next would tell me that I was missing things that the last person was reading to me & my handler slipped up & told me it was her job to lose my paper work & play these games! Now they are fast tracking foreclosure on my home! I have some of the paper cover sheets from the faxes that I kept sending. This is the only thing I have left of my hard work before I got hurt. I thing someone should hold them accountable for how wrong they are treating who knows how many people stuck in my situation! By the way my girlfriend has more to lose now that she is my wife since XX/XX/XXXX My ex-wife that was on the original loan has passed away XXXX on XXXX XXXX, XXXX god rest her soul. All I can ask is please help I have been done wrong by these bankers, but I am not without fault. We are just trying to survive & want to keep are house! please! Thank You for listening. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am being charged over {$250.00} in fees etc? for only making a {$25.00} or {$50.00} dollar payment. I have made it clear that I can not pay a full amount of close to {$300.00} and I need to make partial payment. The company is adding almost {$300.00} per month. 
The initial loan was under {$500.00} the bill is now almost {$1500.00} four months later. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We have tried to do a loan modification XXXX, dealing with its subsidiary Select Portfolio Servicing ( SPS ) and have been unable to get a clear answer to move forward. The communication with them is very difficult and always change the person in charge of the case, which cause delays on the process. Their initial approach is always harsh and negative, done by a call center that usually do not have information about the loan modification process. We sent all the required documentation and, after months of negotiation, they denied the loan modification and did not want to evaluate all the facts on the case to get a positive result. We feel the company SPS did not do everything on their hands to help us, having all the necessary documents showing that the proposed monthly payment could be paid by us. They based their decision in figures that are above market value and did not provide a concrete answer for the modification denial. We are sending a new loan modification package with extra documentation to see if they can do their job and approve the loan modification. 
We appreciate all the help you can provide on this matter as this is our primary home and we are desperate to save it. 
Best regards, XXXX XXXX & XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My sister, my daughter, my son and others have numerous voicemails from XXXX, XXXX XXXX XXXX stating fraud complaints against me and threatening legal action if my family or other referenced individuals can not get me or my attorney to call them back. There were calls from XXXX XXXX XXXX XXXX ext XXXX ; XXXX ( supervisor ) XXXX ext XXXX, XXXX XXXX XXXX. 
The major complaint is API divulging sensitive information to parties other than myself and scaring and harassing family members and possibly fellow workers who have access to work phone voicemail. 

Company response: Company can't verify or dispute the facts in the complaint