AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Repeated phone calls even after a payment arrangement has been made ; calling XXXX minutes apart during work hours ( XXXX/XXXX/15 ) ; when calls are answered they will automatically go to hold and then disconnect after XXXX minutes ; callers have been rude and made insensitive remarks ; when a payment arrangement has been made company called XXXX times in a row first thing in the morning payment was expected even though there was still over XXXX hours to make payment as agreed ; when a supervisor is asked for due to poor or rude communciation it is often stated that no supervisor is available and that they will have to call back and no call is ever received from supervisor ; calling even after payment has been submitted online and then either are n't aware payment is already made or just hanging up after call is answered ; caller often unable to answer detailed questions 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage company refuses to release the funds my insurance company has given them due to water damage in my house. I have provided them with all documentation. Every day I contact them they are saying they are missing something else despite it being in the file the previous day. Although I was given an assigned representative, I am unable to speak to her. I was told that I was unable to speak to anyone in the claims department by customer service by a man named XXXX on XXXX XXXX due to my account statusdespite the fact I had paid my mortgage that morning. They have had a check from my insurance company since XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was a victim of mortgage fraud and have been trying to resolve this since 2008 and have not been able to. I received a call from XXXX XXXX stating that he was a representative from Country Wide who helped customers that had problems refinancing their homes. My understanding with XXXX XXXX was that I would refinance my home on terms suitable and I agreed ( after several meetings ). Later, XXXX XXXX told me that I would benefit from a " special financing '' program and that this was the only way to refinance my home. The special financing was that I could remain in my home and have a lower mortgage payment. I did not understand that the special financing was to tell my home to a third party and then have it Quit Claim Deeded back to me ( I learned this after the fact ). 

XXXX XXXX told me that I would need to make payments for the mortgage to XXXX XXXX XXXX in XXXX XXXX, CA ( which I did ). Several months later notices started coming in the mail for XXXX XXXX so I decided to open one. At this time I found that a XXXX mortgage had been obtained and payments were not being made ( I had no idea about this ). I went back and opened others and found out the XXXX mortgage payments had not been made either, despite the mortgage payments I made to them on-time monthly via cashier check. I contacted XXXX XXXX immediately and he told me payments had been made and it was a clerical error. That he would get back to me and never did. 

My son and daughter-in-law insisted that I contact the XXXX XXXX County District Attorney 's Office and I did just that. The DA conducted an investigation and Investigator XXXX XXXX informed me that this act was deemed fraud and issued me a case number ( case # XXXX ). He also informed me that the FBI had been notified and that XXXX XXXX and his associates had been doing this type of business throughout the XXXX XXXX XXXX XXXX as far as XXXX and further. I have contacted B of A on several occasions and they have not helped me. I filed for bankruptcy protection ( chp. XXXX ) and that did not help either. I have attached documentation proving the company that refinanced my mortgage was sanctioned for fraud by the California Dept. of Real Estate. I hired an attorney in 2008 and Bank of America refused to respond ( the original loan is a Countrywide loan ). Today, no attorney will take my case and I am now at risk of losing my home to foreclosure. I have attached supporting documentation. 
My home loan is in the name of XXXX XXXX who quit claim deeded the property back to me. After the XXXX XXXX County DA 's Office Inspector XXXX XXXX investigated this matter, he informed me that XXXX XXXX does not exist and that I am a victim of mortgage fraud. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a victim of identity theft and someone stole my identity and personal information to open up a Visa credit card account with Bank of America. The following Bank of America Visa credit card account do not belong to me : XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I AM ATTEMPTING TO AVOID A FORECLOSURE SALE. I HAVE APPLIED FOR MORTGAGE ASSISTANCE AND I BELIEVE THAT MY SERVICER, SLECT PORTFOLIO SERVICING ( SPS ), DECLINED MY REQUEST. SUBSEQUENTLY I APPLIED FOR A SHORT PAY. SPS WAS PROCESSING MY SHORT PAY REQUEST AND WHILE PROCESSING MY REQUEST, SPS SCHEDULED A FORECLOSURE SALE FOR XXXX XXXX, 2015. NO WRITTEN DECISION ON THE SHORT PAY REQUEST HAS BEEN ISSUED BY SPS. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: First, My husband and I had asked our relator to request that the builder we were using pay the closing costs. No offer was ever drafted to the builder and nothing specifically in the Purchase Agreement stated the builder denied the request, so we assumed our request was address and accepted, so we signed it. I know as buyers we should have follow-up with the request, but we assumed that the person we hired and were paying would do what we asked and advise us if the request was denied so we can alter certain things to fit our budget. 
Second, our realtor referred us to the loan officer she uses for most of her clients. We submitted the necessary information regarding the application process and we were pre-approved. Construction began on the property shortly thereafter. Well, 60 days prior to the estimated closing date approached, which was approximately 3 months after the application was completed, we receive a " Worksheet '' of the outlined costs associated with the closing and our monthly payments. The loan amount was wrong for one, so the numbers were completely off and it has us paying all the closing costs. Once we addressed this with our relator, we asked why an offer was never sent, no response was given regarding this, and she advised that she assumed we knew the builder was not going to pay any closing costs, so never professionally told us. The main issue here is we NEVER received a Good Faith Estimate during this process, 12CFR1024.7, which now I see if a federal requirement. My husband and I were not aware we were suppose to receive this document, that is not our job that is the lender 's job. My husband and I spent a month trying to configure numbers to make the agreement work not that we were required to pay ALL closing costs. Well, my husband and I were not able to commit to a loan that was too high and draining our savings account so we had to back out of the Purchase Agreement, losing our {$6000.00} in earnest money. We had no other choice. We do not want to end up in foreclosure. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: A company called XXXX XXXX XXXX has been calling me non stop at all hours of the day and night attempting to collect on a debt from a motor vehicle accident in 2014. At the time of the accident I was XXXX years of age and insured. This company has threatened to illegally garnish my wages as well as be waiting at my house with the police to arrest me on multiple occasions. They have asked for my parents and grandparents names to attempt to collect this debt. The women who spoke to me asking for this information resorted to name calling and personal insults. This is been going on for almost 2 years now and it needs to stop! I have asked them multiple times to stop harassing me and remove my number and they just continue to do it more and more. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX, I took a job at a XXXX in the XXXX, and we started renting our house in XXXX, TN. After the XXXX and XXXX mortgages reset from interest only to conventional loans in XXXX of XXXX, We started struggling to make payments on both our XXXX and XXXX mortgages with SunTrust Bank because the rent did n't cover the payments. We attempted a loan modification on XXXX separate occasions, but were denied each and every time. Each month, we sent as much as we could towards the mortgages, but continued to fall behind. Finally, we got caught up and current on the XXXX mortgage, and called today to pay over {$2000.00} in order to get current on the XXXX mortgage. Much to my shock, I was told that the XXXX mortgage was charged off on Monday ( XXXX/XXXX/XXXX )! I asked how this was possible because SunTrust has been accepting my automatic payments each month and, in fact, accepted a {$500.00} automatic payment just yesterday?! I asked how they could charge off a mortgage with no formal notification whatsoever?! The SunTrust representative told me that letters were mailed out in XXXX and XXXX of XXXX notifying me that a charge-off was possible, and I explained that I never received anything. I asked if the letters were sent certified mail. She said they had not. Then, I asked her where the letters were sent, and she gave my address for a residence that is 2 years old!! I asked her how it is possible that SunTrust has been sending statements to my correct address, but not the letters threatening to charge-off my XXXX mortgage?! She told me the home retention department did not have my current address, despite the fact that I provided SunTrust Bank with my current mailing address in XXXX of XXXX when I agreed to the terms of the mortgage resetting from an interest only to a conventional loan and despite the fact that I made XXXX separate applications for loan modification using my current address since XXXX of XXXX. So, SunTrust Bank has charged-off my XXXX mortgage without properly notifying me, and the bank refuses to accept the amount past due to bring the mortgage current because I am tried to bring the loan current 2 business days past a deadline that I did n't even know existed because non-certified letters were being sent to an address where I have not lived for 2 years! All I am asking is that SunTrust acknowledge their inadequate communication, and treat this matter like it was XXXX/XXXX/XXXX by accepting my past due amount on the XXXX mortgage to bring it current and reinstating the loan so that I can continue to make regular monthly payments ( because the rent now covers both the XXXX and XXXX mortgages ). I hope you can bring some common sense into this situation. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a victim of Identity theft and I'am trying to dispute incorrect Items on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Balance transfer : Well Fargo and XXXXI did a balance transfer ( XXXX ) from Wells Fargo to XXXX in XXXX 2015. 
XXXX claimed that they have paid the money to Wells Fargo, Story with Wells Fargo Wells Forgo says it has not received any money. I have been following up for 3 months.Calls lasting from XXXX to XXXX hrs with both banks with no resolution. 
Wells Fargo said 45 days back that they will open research case and get back to mein 30 days, I called them now and they said their Rep notes does nothave any trace of such conversation. I had asked them for a letter/emailsaying that they have not received anything, was told that no suchprocess exists.Today the representative said he has issued me a letterWhich I will get in 2 weeks. ( as I spoke about filing Consumer complaint ) XXXXThey have sent a letter with details of payment made, they also tried tocontact well Fargo and Wells Fargo did not have 'my permission ' to speak with them. Wells Fargo did not mention anything like that during my talk neither did it reach out to me to ask for any permission. 
This is seriously sub standard service ( actually no service from both banks ) and loss of my business days costing me at least XXXX times morethan the actual amount. 

Company response: Company chooses not to provide a public response
Consumer complaint: U S Bank removed my student loan account from deferment status illegally and unlawfully, which created a past due balance and damaged my credit score. My student loan account should not have been removed from deferment and I should not have a past due balance. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo mortgage is reporting a negative remarks on the mortgage account that was never defaulted, never included in chapter XXXX bk. Property was sold and loan was paid off. 
Numerous attempts and requests sent to wells fargo mortgage were ingored. All XXXX CRAs are reporting this closed mortgage account with remarks : WELLS FARGO HOME XXXX # XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Opened : XXXX : Individual AccountAccount Type : Mortgage AccountLoan Type : CONVENTIONAL REAL ESTATE MTGBalance : $ XXXX Updated : XXXX Payment Made : XXXX Balance : $ XXXX Status : XXXX ; Account Included in Bankruptcy & lt ; Date Closed : XXXX : XXXX ; CHAPTER XXXX BANKRUPTCY XXXX ; ; DISP INVG COMP-CONSUM DISAGRS ; CLOSEDEstimated month and year that this item will be removed : XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I would like to request a late fee waiver on my credit card account that was assessed in XX/XX/XXXX, a balance liquidation to a zero percent interest rate. On XX/XX/XXXX I contacted Bank of America knowing that I had not have any late payments exceeding 30 days or more and requested a courtesy waiver on my late fee. 
I was required to go on XXXX Medical Leaves of Absence due to complications related to XXXX and the death of my XXXX daughter XXXX. While on leave my income was cut in half. In addition, my ex-spouse lost his job so I am not receiving any child support. 
While I have been the only wage earner I have submitted applications to alleviate our monthly financial obligations : I was granted an Economic Loan Deferment for my Student Loans, In addition, through XXXX, I was able to get free clothing for my children. I also cut coupons to save on groceries. I still have ancillary expenses related to our daughter 's medical and funeral expenses. XXXX XXXX recently approved my home loan mortgage modification but I am stumped that Bank of America is refusing to lower my credit card interest rate to 0 % so I do not go into default where I can satisfy this debt and waive my late fee. I have to debate if putting food on the table takes precedence over paying my credit card since I will never be able to pay this debt off with an interest rate or get further ahead as I have incurred a late fee due to extenuating circumstances due to my pay cycle and running mere days late. If they 're unable to reduce to put my interest rate to zero percent I will be forced to stop paying them so I can keep a roof and food on the table for my children. Obviously, I need my home for the stability my children and a foreclosure would not be beneficial to my community, particularly now that I am making efforts to pay but not under these unfair terms. I do not want my credit card to go into default and need your assistance in any way I can in keeping this account in positive pay. 

I contend that : I can not continue to pay the variable interest rate of 4.9 % without substantial hardship due to the large balance in excess of XXXX. I am making every effort to pay this debt and need your help. 
According to the Credit Card Act Interest Rate Reduction. Section 101 ( c ) of the Credit CARD Act adds Section 148 to TILA. The Section establishes new requirements for changes in interest rates on credit cards under open-end consumer credit plans. Any interest rate increases that have occurred or will occur since XX/XX/XXXX, will be subject to a mandatory " look back '' review at least once every six months, beginning 15 months after enactment. Using a " reasonable methodology, '' creditors will be required to assess the same risk factors used to justify an interest rate increase in determining whether a corresponding decrease in the interest rate is justified. 
Any assistance you can provide would be greatly appreciated. 
Sincerely, XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX I submitted XXXX quarterly estimated tax checks to the IRS. XX/XX/XXXX when I submitted my tax return I was told that they had not received the XX/XX/XXXX check. The check was submitted to my bank ( credit union ) and paid to an account at a Wells Fargo bank. The IRS did not receive the payment and the endorsement on the back of the check does not match their endorsement procedures. 

Company response: Company chooses not to provide a public response
Consumer complaint: I called Wells Fargo this morning since I was told last night I was sent to their Lost and Found Department. 
I was told my account is on hold. I was never given an explanation as to why my account was flagged in the XXXX place. 
I called and spoke with XXXX in the Executive Office Banker # XXXX of the Lost and Found Department. 
When I asked her what the problem was, and why my hold is on hold. She processed to read to me several times that Wells Fargo can terminate my account at any given time for no reason. She kept repeating the same phrase. She was unable to provide any direct examples, or point out any issues what so ever. 
XXXX, I get paid and get deposits. This has been the case for months. I have never been advised by Wells Farog that there is any issue. I attached copies of my current bank statement as of this morning. You can see my transactions, and there is no issue whatsoever. 
Why I am being discriminated against? 
Why can I NOT bank in peace like everyone else? 
Why is my account being flagged for no reason? 
XXXX has given me a hard time because she felt like it. So, who is advising her to do so? It must be nice for her to do as she pleases with my bank account. 
It seems to me this is being done so that I have financial hardship for no good reason. 

I have attached XXXX photos. 
1 of current bank statement with current purchases all of which are normal. There is nothing outstanding or strange on my end. 

2. A photo for which shows that I am directly blocked from accessing Wells Fargo Website. Why? Why am I being blocked from banking with Wells Fargo. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have gone through a bankruptcy chapter XXXX. I have XXXX houses that had debt discharged. Neither house went through foreclosure. Experian is reporting the bankruptcy as a foreclosure on the house loans which is NOT correct. I have asked them to change the coding to reflect a chapter XXXX, however they refuse to change it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a victim of fraud as of XX/XX/XXXX. Needed to contact Transunion to 'freeze ' my credit and went to their website where they asked for my social security number. The page had https canceled out so the site was n't secure. Went back today and the url had https until I refreshed a few times and then it went back to http. Looks like they have a server that is insecure which is jokable since this is a site to report fraud. Once you are on the insecure server you can not get back onto a secure one. 

example : XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: CFPBMy issues started XX/XX/XXXX with Bank of America ( BOA ). Reached out to BOA for help with my mortgage : rate reduction, refinance, etc ... At that time the representative recommended the loan modification at no cost to me. Began the modification process XX/XX/XXXX, had questions about the figures they calculated and then I was denied the process. Reached out again to inquiry about the denial and was recommended to reapply due to government changes. Process began again XX/XX/XXXX. Again, I had questions about the figures. No one during the modification process ( during negotiation ) was able to explain how they calculated the new totals. Yes, I receive documents with the figures but not sure how the numbers formulated. So I signed the modification papers clearly under duress to avoid starting the process all over again. Finally get new statement and begin to inquire about a {$3400.00} non-interest bearing loan amount. I called BOA several times to inquire about the non-interesting bearing loan. One BOA representative told me not to worry about that loan because there is no interest accruing on it. He told I had to wait 30 days before I can hear from someone regarding the loan amount. On the 30th day I call BOA again to see if someone could explain to me what makes up the {$3400.00}, the representative at that time told it was too late for me because I already signed the papers. Again, I requested for a manager or supervisor to contact me regarding the {$3400.00}. I was told again that it will be 30 days before someone will be able to get back to me. Within the 30 day waiting period, I received a letter stating the {$3.00} will be forgiving. New government laws allow companies to forgive debt, issue a XXXX at year end and the client has to pay taxes on the forgiven amount. My original request was for an explanation to the non-interest bearing loan. Now I have until XX/XX/XXXX to accept or decline the forgiveness offer. I do not understand why I would have to pay taxes on something I do not owe. BOA has already damaged my credit by stating my mortgage payments were late during the modification process. Totally untrue. I made ever payment they recommended me to pay ON TIME. Clearly I have been going through a completely unfair process with Bank of America. If BOA believes I owe and wants to forgive please apply to the current mortgage loan balance. CFPB, please help me understanding why a client has to pay for BOA errors. Their current representatives have no clue how to handle situations regarding problems or issues that has occurred on BOA 's behalf. All they want to know is - " Are you making a payment today? '' I love to get out of BOA loan and find another mortgage company but I do not want to carry the incorrect balance to another company and pay something I may not owe. Again, PLEASE HELP ... ... .... 

Company response: Company chooses not to provide a public response
Consumer complaint: The Public Record that reflects on my credit history has been resolved with the XXXX.But It still shows me having a tax lien.I Had a payment Plan Set Up with The XXXX and Im just about nearing the payoff date.I do have records of these payments made and the current balance. 

Company response: Company chooses not to provide a public response