AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: on or about XXXX/XXXX/15 XXXX XXXX credit withdrew XXXX of dollars from my wifes checking acct when she was trying to make an automated payment of {$25.00}. a XXXX later, she was admitted to XXXX XXXX, and we were not aware of the problem until over a week later. we contacted XXXX XXXX, ( the credit card co ), and bank of America almost on a daily basis for a XXXX of weeks, this included several XXXX way calls with both companies reps. I have also made a couple of visits to the bank and spoken with the manager ( who by the way is short with me, and dismissive of my concerns. ) XXXX XXXX reps have been very helpful in trying to resolve this problem, but the mgr at the bank has been hanging up on them and totally unhelpful. the money was sent back to my wifes acct on wed XXXX from XXXX XXXX in the amount of {$500.00} but nothing has showed up in my wifes acct, which has been in the negative {$170.00} for over a month. this acct is only for her small XXXX check ( approx. {$200.00} mth ) According to bank of Americas rep, there is no record of this transaction, and the people at XXXX XXXX have a record of it being sent on XXXX @ approx. XXXX XXXX EST. I NEED Y0UR HELP!! I have called and called and as of today ( XXXX XXXX ) there is still no action, and the acct is still negative. I do n't know what bank of America is doing with this money, but they are totally dismissive of my concerns. please 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX # XXXX address : XXXX XXXX XXXX XXXX, XXXX, NY XXXX CFPBMy name is XXXX XXXX, and I work at the XXXX of XXXX XXXX XXXX. We would like to open a complaint against Wells Fargo with the intentions to come up with a solution for our client XXXX XXXX. The file was place a sales date in XXXX and we started a process for a Loan Modification at the end of XXXX. We stall the the sales date and managed to stop the sales date and foreclosure by having the underwriter review a complete package. 
Wells Fargo was en route to provide a Loan Modification in XXXX but then they change the account specialist at the middle of the review. The first review started with XXXX XXXX as a Single Point of Contact. The bank started requesting updated documentation which they already had, and they requested the same documents claiming they did not received the docs. Then through out the review process, they assigned a new single point of contact by the name XXXX XXXX ext XXXX. At first glance, he had no idea what was going on with the file, and after a few review of the documents, he told us the file was under review, then requested some documentation regarding bank statements and a property located in XXXX. We complied with the needed information, we send all documentation on a timely matter. We even had a couple of conversations with the underwriter clarifying the exact clarifications needed, as well as the documentation needed. We send all required documentation on a timely matter. 

Yesterday on XXXX XXXX, we had a conversation with XXXX in which he explained to us that the underwriter removed the file from review because all documents have expired, and advise we need to start the process all over due to expired documents. I advise him that the reason they expired is due to they kept requesting the same documentation over and over again, and now they have the dignity to come to say that we need to start the process again when they were the XXXX " stalling '' the file even though we complied with a complete package from the beginning of the process. 
We need a solution to be accomplished on this situation ASAP 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2012, while I was at work, I, XXXX XXXX XXXX, was forced out of my home for the second time ; by which XXXX, XXXX XXXX and its affiliates committed fraud upon the court, coercion, racketeering, conversion, XXXX, wrongful eviction, trespassing, breaking and entering, fraud, constructive fraud, etc., with the motive to cover up all loose ends of this mortgage transaction by confiscating all of my belongings in order to dispose of any incriminating evidence that chronicled my dealings with XXXX that could possible yield to any potential wrong doing on their behalf. Since XXXX fraudulently achieved a favorable foreclosure decision on the merit of abandonment, it is plausible to believe that the motive for why XXXX needed to confiscate all my belongings without returning them is due in part that XXXX could not turn around and request the courts to issue an eviction notice when it was XXXX 's sworn testimony in court that my residence was deemed " abandoned '' by their preservation team XXXX! 

With that being said, all evidence clearly indicates how XXXX only sole purpose for contracting XXXX 's was for them to diminish and/or eliminate any potential defense against mortgage fraud with the perceived notion that once XXXX was successful in empting out my home I would be without a justifiable defense to refute any mortgage documentation presented by XXXX XXXX as being authentic. As a result, U.S. Bank, via my initial complaint with them, took the liberty to either replace my mortgage loan documents or alter them with fraudulent ones of their own [ XXXX ]. Nevertheless, when I filed former complaint ( s ) against the closing agent/notary-XXXX, along with complaint ( s ) against XXXX Fargo/Wachovia-who originated this loan-they confirmed via their response ( s ) that the documents presented by XXXX XXXX were not documents prepared or presented for me to view and sign for at closing [ XXXX ]. Nevertheless, it is XXXX who is proclaiming that there was no wrong doing committed on their behalf ; therefore, all documentation they presented via the CFPB was a part of my " original '' closing packet that was packaged and sold to them by Wells-Fargo/Wachovia. 

With that being said, I request for Wells-Fargo/Wachovia, via the CFPB, to explain to me in detail why a ) did Wells-Fargo/Wachovia intentionally and maliciously commit fraud by fabricating my loan documents with fraudulent signatures ; and b ) if XXXX XXXX proclaims that they did not commit fraud by forging my signatures to mortgage documents for Wells-Fargo/Wachovia to explain in detail the who, what, when, where of HOW XXXX XXXX came to be in possession of fraudulent mortgage documentation that can not be accounted for by the originating source ( s ) who had me to sign " all '' applicable mortgage documents at closing [ XXXX ] that now contradicts documentation XXXX XXXX presented as being a part of my " original '' loan packet! 

Company response: Company chooses not to provide a public response
Consumer complaint: i suddenly see my account overdraft ... i got charges for overdraft. they returned payment for XXXX charges. i had no idea what happened and i received no notice of whats going to happen or why. only aftger calling and being told that they can not help me and i can be transfered to a manager after holding for almost an hour. i was told to leave a message and a manager will call me back within XXXX to XXXX hours. I have still not gotten that phone call back. 
i then received a letter in the mail stating that a check that was deposited into my account in XX/XX/XXXX! XX/XX/XXXX!!!!! was now in XX/XX/XXXX!!! claimed by someone else ... what a joke??????? i have still not received my money back! i want them to credit my account for all the money and fees that resulted in and they send a letter to my insurance company explaining that i was not at fault for the returned items!!! i need to be compensated for this!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I did not know the category to select, but this seems to be the best fit. I do not owe anything and I constantly get calls from XXXX XXXX XXXX XXXX. They do n't want to tell me the company name and thick accept that it is difficult to understand what they are saying. The call very often. They are very persistent. If you call back they know who is calling ( your name ). 
I think I controlled the situation by calling them back multiple times back to back. XXXX reports this number as a fraudulent collection agency. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: TransUnion is making its customers listen to XXXX minutes of advertisements for paid credit-monitoring services before TransUnion will place a fraud alert on the customer 's file. The way TransUnion describes these paid services is unfair and abusive because consumers have to listen to the advertisement and decline it XXXX before TransUnion will complete the request to place a fraud alert on file. The way the advertisement is presented and the timing of the presentation make it seem like a required part of the process of placing a fraud alert on file. 

Background is as follows. On XXXX/XXXX/15 I called TransUnion to place a fraud alert on my credit file. ( I had just learned my social security number had been stolen and someone was using it. ) I went through TransUnion 's prompts on initiating the fraud alert. 

Then, before TransUnion 's automated system said the fraud alert was placed, it played an advertisement for paid credit-monitoring services provided by TransUnion. This ad was about XXXX seconds long and followed by a choice to press " XXXX '' and order the service or press " XXXX '' and decline the service. I pressed " XXXX. '' TransUnion immediately played a XXXX advertisement for the same service, this time XXXX seconds in length and using much more alarming language, again encouraging me to pay for the service. Again I was presented with the choice to press " XXXX '' to order the service or " XXXX '' decline it. I pressed " XXXX. " Only after I declined the service XXXX did TransUnion 's automated system state that my request to place a fraud alert on file was successful. 

TransUnion should not be able to require victims of identity theft to listen to TransUnion 's paid advertisements as the price for placing a fraud alert on their own files. But that is exactly what TransUnion is doing right now. 

Company response: Company chooses not to provide a public response
Consumer complaint: I owe XXXX XXXX XXXX A total of XXXX dollars and h and have been paying XXXX monthy but they will not remove th the collection from my account. been paying for around 2 years. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent Experian a written dispute on XXXX different occasions by certified mail. The only response received was a letter saying that Experian thought it was a suspicious request. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed for bankruptcy in XX/XX/2010. I have a Macy 's credit card, which had a zero balance at the time and was not included in the bankruptcy. XXXX is reporting that it was charged off in the bankruptcy with XXXX credit limit. I disputed that. XXXX responded that Macy 's was confirming that their reporting ( bankruptcy ) was accurate & gave me the Macy 's # to follow up. When I called Macy 's they said that the XXXX information was totally inaccurate and that I would not have a Macy 's account if it had been part of a bankruptcy. That credit card should have a perfect score. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went online to Experian.com to get my annual free credit report. After my report was generated, the website had an option for me to get my credit score for {$1.00}. I ordered the credit score for {$1.00}. I just looked at my credit card bill and not only did Experian charge me the {$1.00} on XXXX XXXX, 2015, they also charged my credit card an additional {$21.00} on XXXX XXXX, 2015. I called Experian today, XXXX XXXX, 2015, to find out why they charged my credit card {$21.00} and was told by XXXX ID # XXXX that the charge was for their credit monitoring service. I told her I never signed up for that service and wanted my money refunded. She said she could cancel the service, but the charge was a legitimate charge and could not be refunded. I told her I never gave Experian permission to charge my card for that service or sign me up for that service. I asked her to transfer me to her supervisor. She supposedly got a supervisor, XXXX ID # XXXX, who sounded exactly like XXXX. I told her I never signed up for the service or gave permission for Experian to charge my credit card for a credit monitoring service, only the {$1.00} for my credit score. I told her I wanted my money refunded and she told me it was a legitimate charge and they would n't refund my money. I asked to speak to a manger and she said she was the highest one there for me to speak with. I told her she sounded exactly like the other lady and I was going to report Experian. I also told her how Experian was a scam because they had my credit score so much lower than all the other credit reporting agencies and had wrong information on my credit report, which I 've already disputed, now they are charging me for a service I did n't sign up for. A thorough investigation needs to be done on Experian. I believe they are lowering consumers credit scores really low to try to get people to pay for their credit monitoring and if they ca n't get the consumer to sign up that way, they illegally enroll the consumer without them knowing by offering them their credit score for {$1.00} and then continue to charge their credit card for a credit monitoring service. I want a full refund and a complete investigation into Experian 's unscrupulous and illegal practices. By law, consumers are entitled to get a free annual credit report, but when we go to Experian to get the report, we are scammed into paying for a service for which we did n't want or authorize to be enrolled. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a Notice of Escrow Shortage Letter from US Bank dated XXXXXXXXthe amount of {$700.00}. I called US Bank Home Mortgage talked to a XXXX I explainedwhy I was calling and asked why there was a shortage since I sent a {$970.00} to them in XX/XX/XXXX, he said it was applied on XX/XX/XXXX, but not all to the escrow account. I said fix it, so he opened a Work Order on XX/XX/XXXX and said disregard the Notice. I called US Bank on XX/XX/XXXX to make sure it was taken care of, I talked to a XXXX who put XXXX on the phone and she tells me if they reverse it I would have to re-done my taxes, so I said ok I 'll do that reverse it, after being on hold for a very long time for the second time, XXXX tells me she does n't know if the US Bank will do that, I ask to talk to the department that handles this and she says they do n't take incoming calls, that I would have to write a letter to US Bank Home Mortgage at XXXX XXXX, XXXX, MInn. XXXX to see if they will reverse this. I asked when was the work order cancelled and when was I going to be notified? she said it was cancelled today and she did n't know when I would have been notified since I had the notice letter which I was told to dis-regard! 
See attached Letter and conversation notes and check stub 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a mortgage with LoanCare, I have yet to be able to contact them. They will not accept my loan number or social security number and therefore I can not get through their phone maze and have not received tax information for the past two years. I also need a paper statement for another transaction. I would very greatly like to try and refinance with another company but literally can not even get ahold of them for the basics, let alone that. 

Company response: Company chooses not to provide a public response
Consumer complaint: a collection company by the name of ATG is collecting for a loan that was charged to my name. I explained that the loan was changed by the company in error because I never took the on line classes and was to be cancelled but they did not cancel the loan at all. Original loan was last paid in XX/XX/XXXX but this collection company wants to keep it on my report from the date it was put into collection from the original debtor not the time it was last paid. 
I explained that I read that bad charge offs come out after 7 years from last payment, but they want to put it from last date of transferred to a collection company. Spoke to original debtor and ATG and both of them confirm the same thing. 

I am in the process of using my credit and this debt is showing up that it was open again in XX/XX/XXXX vs the original date of XX/XX/XXXX - from the time it was again put into collection 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been a member at this gym for a number of years. Recently, due to the XXXX and a job that requires a great deal of travel, I have not had the ability to use my gym membership. I continued to allow myself to be billed for a number of months. A few months ago my credit card expired and the local gym manager ( I do n't have his name ) asked me if I would provide him a new XXXX. I said I would like to cancel and explained my situation to him. He said " ok '' and hung up. A XXXX later, a new gym manager called and asked me to provide a new credit card. I explained what the prior gym manager told me and he said that was not a valid cancelation and that I would need to go in to the location and physically cancel. This is not an option for me. I then contacted the gym ( local and national office ) and provided them a written cancelation, which was not honored. I finally was forced to take the step of putting a stop payment on the payment with my bank because despite my revoked authorization, they kept pulling money from my account illegally. Today I received XXXX calls from a rude debt collector. At this point I feel that XXXX XXXX is preying upon my family. They are trying to send me to collections for a service I canceled in writing. 

Furthermore, there was no extension of credit. This is an extremely deceptive and abusive practice. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I currently have XXXX {$300.00} payday loans from XXXX different storefronts in my neighborhood : XXXX, XXXX XXXX, XXXX XXXX XXXX and Advance America. I also borrowed an installment loan in the amount of {$2600.00} from XXXX XXXX in XX/XX/XXXX. I am drowning in debt and I ca n't handle it anymore. I need some relief. This is very stressful and expensive. 

I first started using payday loans about 6 or 7 years ago. My current situation of using multiple payday loans every two weeks started at the end of XX/XX/XXXX. My roommate moved out and I had to figure out how to cover all of my housing expenses on my own. At this point, I 've been churning XXXX payday loans every two weeks for over two years, and I 've paid an estimated {$10000.00} in fees, at least. To make matters worse, I 've been paying {$140.00} every two weeks on a XXXX XXXX installment loan, and I 've already paid {$2200.00} between XXXX of last year and XXXX of this year. But my total balance as of XXXX XXXX is still {$2600.00}! How is this even possible? 

On top of my outstanding payday and installment loans, I have a car note from my credit union that I pay {$320.00} a month on, plus {$180.00} in insurance. Plus, my rent is {$1100.00} every month. After taxes, I only bring home about {$1800.00} a month. So this is really hurting me and I 've reached my breaking point. I 'm really struggling to figure out a way to get out of all this expensive, cyclical debt. I do n't want to default on the loans, but at this point I 'm not seeing another alternative. I recently received XXXX utility disconnection notices from my gas, water and light companies. To make matters worse, I 'm also facing being laid off from work in the next few months. 

I need help. I do not have the ability to repay all these loans. I recently found out that it 's against the law for lenders to extend multiple loans to a borrower with an outstanding loan. So legally I should n't have even been able to get XXXX payday loans plus an installment loan at once. Can the CFPB help me in any way? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am a victim of IDENTITY THEFT. On XXXX XXXX XX/XX/2014, I was notified by XXXX that someone had attempted to open a bank account with USAA Bank with my Name/SS # /Date of Birth. My issue with USAA Bank is that they will not respond to my requests to obtain the records relating to the fraud. The Fair Credit reporting act, 609 ( e ), allows me to obtain these records without subpoenaincluding : Account applications made on paper, online or by phone Account statements or invoices Records of payments or charge slips Delivery addresses associated with the account [ s ] All records of phone numbers used to activate or access the account [ s ] Investigator 's report All other documents associated with the account [ s ] I have sent USAA bank a copy of the police report, proof of identity, and an Identity theft report registered mail. USAA Bank have ignored all requests for me to obtain this data ; and after numerous phone calls ; they are not responsive. They always say they will call me back, but never do. USAA has not provided me any information regarding this Identity theft. I need help! Thanks. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX 2015 I began working with Watermark Home Loan ( broker : XXXX XXXX ) in order to refinance the current ARM on my primary residence. The result of this process was absolutely unacceptable. Only when I inquired about the status of my loan application two weeks prior to the expiry of the 45-day loan lock period, did I learn about missing documentation. I had been under the impression that it was their job to shepherd the process through to completion. Silly me - apparently it was my job! On multiple occasions sensitive documents ( containing social security numbers ) were transmitted via e-mail without password protection ( despite being described as password-protected ). And getting any response from them took multiple e-mail inquiries on my part. Finally, there was no accountability or apology for their total failure to complete the process. Excuses were made about " too many moving parts '' because I am semi-retired and living off of investment income. Meanwhile, I wasted a lot of time and money ( on a useless appraisal ), and lost a prime opportunity to refinance my ARM with a fixed rate loan. 

Company response: Company disputes the facts presented in the complaint