AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: FBCS Senior Representative XXXX XXXX (? ) contacted me XXXX XXXX at which time I told him to send me the required letter and then i would decide what to do from there. The letter arrived on XXXX XXXX indicating the debt was bought by XXXX not XXXX as XXXX had told me. I then sent them a certified, return receipt debt validation letter which was received and signed for on XXXX XXXX. 
I received calls XXXX XXXX, XXXX, and XXXX, as well as XXXX. On XXXX I talked to XXXX again and told him about the debt validation letter. He was confused and had no idea what i was talking about, he had no knowledge of what a debt validation letter meant. He finally agreed to stop calling me until the debt was validated. To date it has n't been validated even though I was told it would be in too weeks. 
I would also like to point out the Pennsylvania is a XXXX party state for recording of conversations, and i was not told until half through the conversation with XXXX that we were being recorded, and at no time was I asked for permission to record. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: On Monday XXXX XXXX I attempted to transfer XXXX from my Wells Fargo savings account To my Wells Fargo checking to cover a check I had written on Sat XXXX XXXX. Wells removed my XXXX and applied it to a Wells XXXX creditcard account with " XXXX '' balance. XXXX at credit services states that my money will not be transfered back to my checking account for approximately 30 days while research is being done, due to the large amount. Meanwhile the check written on the XXXX was covered by overdraft, to which I will be charged fee 's. XXXX ( XXXX XXXX wells customer care case # XXXX ) confirmed they will not return money until researched. 
they were able to remove the money immeditely but now want to hold for THEIR benefit. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX has been extremely difficult to deal with -- refusing to make changes and even informing the CFPB that they have made changes only to reinsert incorrect information. That is why I know feel that I need to go through CFPB for all issues XXXX. 
XXXX is reporting XXXX hard inquiries on my credit report for a single mortgage transaction. The inquiries come from XXXX XXXX on behalf of XXXX XXXX. 
Mortgage InquiryCreditor TypeMortgage ReportersCreditor NameXXXX XXXX XXXXMDBureau Experian 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage loan was with SunTrust and in XXXX 2013, they transferred my loan to XXXX as a bankruptcy mortgage loan to service. I never filed bankruptcy nor was I ever late or behind on my mortgage. this has caused my credit score to decline and I cant refinance my home. 

Company response: Company chooses not to provide a public response
Consumer complaint: We are a month late with Ditech ( fka : greentree servicing ) and we have been getting harassing phone calls from their supervisor XXXX and other staff on a daily basis. We have never been late in paying our mortgage and this is the first time. My husband was XXXX. As we reside in Hawaii, the cost to get him there with a minimum of a month of lodging and other living expenses we could not pay the mortgage. The XXXX stated that he will be XXXX for a year or longer after treatment, thus I began the loan modification as there will be no income to support all of the expenses. Ditech has been calling and harassing me, in particular their supervisor " XXXX '' on a daily basis for the past two weeks. I have explained my situation and they acknowledged receipt of the loan modification documents, but still they keep calling every day! XXXX and the other Ditech staff are very rude, uncaring and very demanding. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was approached by us bank about a student loan 

Company response: Company chooses not to provide a public response
Consumer complaint: The investigation of my discharged bankruptcy and unauthorized inquiries by the credit bureaus have been extended for more than 45 days. No validation from the credit bureaus or validation from the companies that the credit bureaus gave access ( to credit file XXXX XXXX XXXX ) has been given in writing. No validation of Debts has been given at all by XXXX XXXX. BY law You MUST delete the discharged bankruptcy and all accounts in the discharged bankruptcy and ALL the unauthorized inquiries by XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2012, I was covered by health insurance plan with XXXX and do not owe any outstanding balance for this account. Please provide me with information pertaining to this account that proves that the bill was not settled. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Experian a reporting bureau. I did not authorize XXXX-inquiries that are on my reportaccounts listed below are not mineXXXX XXXX XXXXXXXX-or XXXX collections 

Company response: Company chooses not to provide a public response
Consumer complaint: A " XXXX XXXX '' texted me about purchasing my bed from XXXX on XXXX XXXX, 2015. He sent me a cashier 's check for {$2200.00} on XXXX XXXX, 2015. The bed was {$900.00} but he sent me extra to pay the " movers '' {$1300.00}. On XXXX/XXXX/15, I discovered via on-line banking that the cashier check cleared and {$2200.00} was deposited into my account. Per his request, I paid the " movers '' through XXXX XXXX on XXXX XXXX, 2015. The same day he texted me again telling me he needed money. He asked me to send him {$670.00} out of what he had sent me for the bed. Red flags came up immediately and I told him no. He said he needed to pay medical bills and pay their private physician who he named " XXXX XXXX. '' He wanted me to send " XXXX '' the money through money gram. Now I had already sent the " movers '' {$1400.00} from the money " XXXX XXXX '' sent me. I told him I 'd rather just refund him the rest of his money and cancel the transaction. I felt like this was fraud and he was trying to get me to send money to people he knew. I sent him {$180.00} on XX/XX/XXXX and told him I 'd pay him the rest the next day when the bank was opened. He agreed that I would send him the rest of the money back through money gram. I did n't send him anymore funds. On XXXX/XXXX/15, I learned that the cashier check was " bad. '' Had the cashier 's check not cleared ( it initially showed it was processing, then showed it had cleared on XX/XX/XXXX ) on my on-line banking statement and the funds not been deposited into my account, I never would have sent " XXXX XXXX '' any funds. A BOA representative informed me that because of my good credit history, the cashier check was honored even before it was confirmed to be bad or good, which I ca n't believe. And stated that I should have taken the additional step of calling the bank or going to the bank in person to confirm the cashier 's check had cleared. At no time prior to this transaction was I informed of this by BOA. I, like many others, believed that when any type of check shows to have cleared and the funds have been deposited, the check is good. BOA knows many people are under this impression. Yet, it does not educate its clients about this particular deceptive practice and allows it to continue. I am appalled that this practice is allowed to occur. If a check is not confirmed to be " good '', why does BOA allow it show ( on on-line banking ) it has cleared instead of just letting it show it is still processing? There must be thousands of current and former BOA customers that have been victimized by this particular deceptive and misleading practice. It needs to stop. 

Company response: Company chooses not to provide a public response
Consumer complaint: Due to Experian 's lack of security and lack of preventative measures my personal data including my address and Social Security number were stolen by hackers. Now my identity is out in the open and the high credit score that I have worked so hard for these past 12 years is no longer safe or in my control. Experian has the audacity to offer me fraud " protection '' from a company which they are the parent of. What makes them think I will trust them with my social security number again? They must be brought to justice on a greater scale than just a class action law suit. They must be made an example of the way that XXXX was in the oil spill with XXXX dollars in fines. As consumers we confide in corporations by providing our personal information, it is their duty to protect that information. This has become a recurring theme where data breaches lead to slaps on the wrist. They continue happening because the punishment does not get the attention of those in power. The US financial system will suffer severely if this does not come to an end. The criminals who are stealing this information know this very well and this is their intent. Attacks on our country are n't always as evident as traditional warfare but are just as serious. 

Company response: Company chooses not to provide a public response
Consumer complaint: In this case discovery was never completed, conditioned presedence was never met, no testimony given, no witnesses to alledge factsgiven under oath, statements presented was based on heresay.However on the forth hearing opposing counsel prensented a note with brite blue signitures and the Judge asked me was that my signiture, as I was replying that it looked like my signature opposing counsel interrupted and said `even he admits it your honor`, my finish statement was your honor they can put your signiture on anything. 
Next the Judge said if either party would like to send me any additional information before I make decision you have eight days to do so. 
Below is the additional information I sent to the Judge however I do not believe he got an opputunity to read it prior rendering a decision. 


IN THE SUPERIOR COURT OF CONNECTICUTJ.D OF XXXXBANK OF AMERICA. N.A. 
PLAINTIFFv. DOCKET NO : XXXX ANDDEFENDANTSXXXX/XX/XX/XXXXMy name is XXXX XXXX XXXX XXXX After losing my job of 28 years I finally found a lower paying job and tried to get a modification but did not qualify. However, in the process I found many inconsistencies in the information that Bank of America provided. On XXXX I sent a dispute letter asking for validation of the debt. I never received a validation from Bank of America. 
On XX/XX/XXXX, two months later after they received my dispute letter a law suit was initiated, DOC # XXXX. Thereby, not conforming to " conditions precedence '', I have received separate statements from Bank of America in which they stated that they were the creditor, the debt collector and the servicer. 
I also received printout records that evidenced that the debt was purchased while the account was in default which is a violation of FDCPA XXXX XXXX XXXX. 
According to XXXX I.D Min # XXXX XXXX it states that Bank of America is the servicer and XXXX XXXX is the investor, which shows that Bank of America is in violation of the FDCPA 15 USC 1692 E. 
They have failed to show information proving verification. The assignment given as proof of their ownership is riddle with names which have been shown to be ROB0 signers. XXXX XXXX, XXXX XXXX, XXXX XXXX, they have been publicly verified as ROBO signers. As this information has been submitted to the court evidencing XXXX distinctly different signatures for each name. Therefore, this unknown debt collector refuse to make full disclosure of information requested through discovery! 
It is my belief that all such information was fraudulently produced. Such fraudulent behavior has already been ruled Res judacata by the Consumer Financial Protection Bureau. ( CFPB ) I am exercising my private right of action in accord with the Supreme Court ruling of XXXX vs Countrywide, and thus rescinding with damages because of such attempts to defraud! 
XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX continued attempting to charge my account after the policy was cancelled. Then the balance was turned over to Credit Collection service XXXX File XXXX. I contact XXXX XXXX and received confirmation of the error. I also contacted the collection co by emailFrom : XXXXXXXXXXXX : XXXXXXXXXXXX : RE : XXXX XXXX Recurring Charge DeclinedDate : Tue, XXXX XXXX 2015 XXXXYou are correct, I apologize for the error and have sent this to processing to hopefully stop the emails from coming in! 

Best regards, XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Wells Fargo is having a representative with a furniture company who is misrepresenting the terms of the finance agreement. We were told the terms were no interest for one year and after a year interest on the remaining balance. So after a year we were charged interest on the balance we had already paid. I am sure it is in the small print, but how can they have a third party define the terms when they benefit from the purchase. 

Company response: Company chooses not to provide a public response
Consumer complaint: Charles Schwab will made a hard credit pull on my credit report when signing up for a new bank account. Lots of banks make soft inquiries but nowhere does it say that they will make a hard inquiry. 

Company response: Company chooses not to provide a public response
Consumer complaint: denied credit and mortgage based on retaliation and record falsifications bureaus and XXXX condones and or allows to be used to stop loans and credit legitimately this arises from prior complaint made to u and XXXX prior fabricated false claims by bureau. this further arises from fabricated judgments and public records done so deliberately by the officials with aid of banks and others corruptly. this further arises from the va and XXXX refusing to make accurate records of the XXXX XXXX in XXXX military retirement owed me the va should of paid and refuses to request XXXX to do an audit to verify ( debt ratio ) the XXXX did grant a loan application after last complaint here, but manufactured reasons to not close timely and drop mortgage and now claim i not eligible for same based on bad creit from falsified credit report fixed XXXX as a result of their wrong doing. said report falsified by falsifying some of first report falsification and based on this falsification of judgement records that are no valid on face and by statute as well as others fabricated by state agents to harm me after threats and without any authority and or due process of law. ( see XXXX title ) also see XXXX records since last time complaint filed and XXXX droped of and now more should be as bogas scams by bureaus and related indirectly to prior scams by themXXXX judgement not valid as matter of law per statute no collectable after case time done. other a judge signed i owed county money they paid lawyer to fix records for county on crimes that could not be charged by state or county while they denied me access to act as counsel personally a fruad scam all subject to federal civilrights suit obstructed by corrupt officials threats to harm XXXX denied loan by fraud and refused to correct name to do so after usa had and all else. 

Company response: Company chooses not to provide a public response
Consumer complaint: I rented an apartment for my daughter and after she moved out I received a {$5100.00} invoice from the rental agency 's credit collection agency. The rent was {$790.00}. per month and she owed for two months. I concede to that, but they tacked on a bunch of charges for various items ( see letter attached ). They also kept her {$790.00} rental deposit. I kept trying to contact the rental agency to try and work a settlement with them for the two months owed. However, they refused and put {$5100.00} on my credit report. I have attached all the correspondence that I sent to them trying to work this out. I also contact the collection agency thay they used and they would not correspond with me. I had my attorney send them a letter. When they finally responded, a month later, they gave me a $ {$580.00} credit but would not rescind any of the outrageous charges. After that, they dropped the ball and I have n't received any other correspondence from them to this day, XXXX XXXX, 2015. I want to work this out for a fair and equitable settlement. Transunion said that they checked with Credit Bureau Associates and they remain steadfast with their claim. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Transunion has reported me as deceased to businesses who are considering giving me credit. This has been a problem for years. I did everything they required ; Social security forms, statements from social security administration, yet the problem continues. I believe someone is giving them the incorrect information, as I do n't have this problem with the other credit bureaus. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was sued by Autovest LLC on an alleged loan. 
Autovest is a debt collector. They knew that the debt was beyond the statue of limitations. 
This company has had me in court for over 2 years and has tried to garnish my wages over a time barred debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX VIN XXXX from XXXX at XXXX XXXX XXXX, in XXXX Virginia. The Buyers Order and vehicle indicated that the vehicle had XXXX miles. When I tried to check its value for trade-in at XXXX, they provided a XXXX that listed a mileage discrepancy and placed the actual mileage at over XXXX thousands miles. The dealership advertises as a XXXX XXXX member. I was provided an AutoCheck history that did not reveal the mileage problem. Based on the XXXX the vehicle has a - {$280.00} ( NEGATIVE ) value. The vehicle was financed with NFCU FOR {$12000.00}. I think that the dealership knowingly misrepresented the mileage in the transaction as they had access to the XXXX documents. They submitted the false information to NFCU for a loan. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I hope you can help me and other retired individuals get to the bottom of this. I applied for a part time job as a mystery shopper as I have just gotten social security and it is n't enough to cover my bills. I received an over night package XX/XX/XXXX while I was out of town visiting my son who had just found out that he had a XXXX. My neighbor opened the package for me and saw it was a check for {$2900.00} and it was my first assignment as a mystery shopper. I was to go to the bank and cash the check or deposit the check and take {$400.00} for myself and go into a XXXX and wire money to another mystery shopper to determine their level of service. When I got back in town on XXXX XXXX, I did as the letter and went to my local Wells Fargo and asked the teller, XXXX XXXX, a personal banker if the check was good and he said not today but I can deposit it for you and it could be in the next few days. So I told him that I agreed with that, not knowing what else to do. Then the next day I look at my deposits which consisted of XXXX checks and {$600.00} in cash and none of it was in my bank. I went down to see XXXX to ask what happened and after much computer and phone investigation he found out that all my accounts were locked and were being closed. When I asked why, he said that the check that I deposited was a counterfeit check. I asked what that was and he explained that the account that the check was written from did n't exist. I said I had never heard of such a thing, either a check is good or bad. He was the one who told me to deposit the check and now all my money is frozen and my social security check gets deposited into those accounts and it is only {$1100.00} per money but it is all I have coming in. They are in the process of closing my accounts and will mail me a check they say in the next two weeks for with the money in my accounts but I have nothing to live on and I will not be able to get social security check next week. I think it is terrible that Wells Fargo is blaming me, the XXXX who got duped even though I brought them all the proof of this scam and XXXX is even backing up my details of the incident but Wells Fargo 's fraud department does n't care. 




Can you please help? 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a student loan that went into collection with Immediate Credit Recovery twenty or more years ago. The original loan amount was {$10000.00} and the interest rate 10 %. I set up automatic payments of {$250.00} a month that were deducted twice a month for at least ten of these years. I believe it was XX/XX/XXXX when they disclosed to me they could no longer make automatic deductions, so they began calling me to authorize payment. The original servicer was extremely rude and nasty and I had to speak to a supervisor in order to get someone humane. I also reduced my payments to once monthly, or {$120.00}. In XX/XX/XXXX I asked to settle the account for {$5000.00}. I was told that amount would never be authorized and I needed to make a payment of at least {$6200.00} to reflect 50 % of the remaining balance ( {$12000.00} on a {$10000.00} loan ). 

I called the school directly ( XXXX University ) and after several back and forth conversations between ICR, XXXX and myself the school authorized {$5000.00}. By this time however I had discovered that my payments to ICR had reached nearly {$30000.00} -- three times the amount borrowed. ICR could not explain to me why on-going payments were needed or even a lump sum to pay off the loan. In addition the school agreed that a 10 % interest rate on a student loan was now considered exorbitant ; however the school only communicated with me through ICR, which told me the offer to settle would expire within three business days. 

I called the CFPB three times for advice on whether or not to settle the account but was told there was no representative who could listen to my situation and guide me, and that I could only file a complaint. I did not want the collection agency to make my life any harder so I made the payment. 

After the payment was made, the servicer called to ask me to put in writing that i authorized each and every payment made on the account, which is in fact untrue. This is evidenced by the fact that i immediately cut my monthly payments in half when i was contacted by a live representative in XX/XX/XXXX. 

At this point I decided to make a complaint. 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted a complaint number XXXX account number XXXX. I was told they would remove the {$510.00}. I submitted the XXXX form as requested and Bank of America continued to charge me {$510.00}. Bank of America told me that they would remove said charges and have failed to keep there promise. 

Company response: Company chooses not to provide a public response