AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have a private student loan with Wells Fargo with a Guarantee Amount of {$14000.00}. This loan went into repayment status in XX/XX/XXXX. My current balance is {$15000.00}. I have continued to struggle to make my monthly payment for most of this period, which is currently {$190.00}. Wells Fargo will not offer any options to lower my monthly payment without refinancing. Due to credit issues, I do not qualify for refinancing without a co-signer. I currently do n't have anyone who is willing and/or able to do so. I ca n't afford to pay my monthly balance without the help of a parent. This parent helps as much as possible and typically contributes about $ XXXX {$150.00} of the balance. I am at the mercy of this contribution, which does not always get to me before my balance is due, which results in late payment fees of {$28.00}. I have incurred XXXX late fees since XXXX, which have only added to my balance and adds to interest paid. I am sending a letter to Wells Fargo along with a repayment request worksheet, which includes my current budget/expenses. I currently earn approximately {$450.00} a month. I work less than part-time due to XXXX issues that are preventing full-time work. Please let me know if you can do anything to help. I am endlessly crushed by this burden and feel horrible that I 'm adding that burden to my parent. I can barely make ends meet. I took out this loan to help pay for tuition at a private art school. I received XXXX for a XXXX. I have no complaint toward the college, they provided an excellent education, opportunities and excellent job placement. What I do regret is not knowing that teaching was not suited for me emotionally. I struggle with XXXX. However, the cumulative stress of XXXX contributed to an XXXX. This I could not foresee and I ca n't risk my health to work toward paying a student loan. 
Heartbroken, Just Another Suffering Student Loan Regretee .... 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo Executive Office states they can not trace electronic payments made via their bank to several banks and locate funds associated with those payments which the targeted payees state are lost and have never been received. After spending over one hour on the phone with both Wells Fargo & each of the payees, nothing was resolved except the loss of my funds. 

Thank you for sending your inquiry We have received your inquiry regarding this payment : Payee Name : XXXX XXXX XXXX Payee Nickname : XXXX XXXX XXXX XXXX : {$800.00} Payment Reference Number : XXXX Send On Date : XXXX/XXXX/2016 Your Case Number : XXXX Payee # XXXX Payee Name : XXXX XXXX - CREDIT CARD Payee Nickname : XXXX XXXX - CREDIT Payment Amount : {$1900.00} Payment Reference Number : XXXX Send On Date : XXXX/XXXX/2016 Your Case Number : XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a collections on my account for a XXXX medical bill i do not owe. I have insurance and at the time they are accusing me i did to. I had gotten a letter in The mail a couple years ago from a hospital appologizing that my information and medical files are at risk because some computers were stolen from said hospital. I am very very upset that they keep bothering me. I continuously get mail from them telling me to pay this bill. I have even recieved a phone call a couple of times on my home phone. I will refuse to pay a bill i do not owe. 

Company response: Company chooses not to provide a public response
Consumer complaint: Debt Collector is trying to collect an account that is not mine 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Account : XXXX Contacted Wells Fargo to ask them to please stop calling the referrals and family members provided when we applied for loan, we were on the understanding that it was to verify our data. They are now calling relatives and family for my wife and myself harassing them and providing personal information on our loan. We understand that we are a month behind. When I called XXXX this morning, the rep would not provide name nor guidance to make our account current. The rep was trying to belittle me by stating that I should be embarrassed that I 'm behind with no empathy or sympathy for our family current situation. The rep would talk over me and not allow me to explain my case. 
I 'm very disappointed as this is my second request to the CFPB. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Transunion continues to ignore all of my requests for investigation of wrong information on my report, Transunion has not notified me of any changes or investigation. 
I have received no emails nor letters from Transunion, addtioanlly I pay for the monthly service and see no alerts or notfications 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX has reported to the credit bureaus I was late 120-180 days mortgage payments for each month in XXXX XXXX. Contacted them and they asked for bank records that dispute their reporting. I provided it XXXX/XXXX/XXXX and they responded that they were not going to change their reported although the bank records indicated I was on time and actually a month ahead by mid XXXX. They suggested we take it up with the credit agencies. This has not only impacted my credit score buy my ability to secure another home. Currently trying to contact TransUnion, XXXX, and XXXX to mitigate the negative situation. Numerous attempts with XXXX failed to achieve any resolution. Will never do business with them again. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I did sent a letter to Experian in indication of negative information on my Credit report, in which never responded back. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We closed on XXXX/XXXX/15 with George Mason Mortgage, prior to closing we were all aware flood insurance wood be required for the property at that time. I asked for everything related to the payments to make sure all insurances were covered. The lender shopped and provided the flood insurance company, they included the premium in the closing disclosure as well as the monthly cost. XX/XX/XXXX I started looking through the insurances that protect my home, I noticed I did not have proof of coverage for the flood insurance. I called the insurance company that would provide the coverage per the closing disclosure, I was informed I had no coverage because payments were not made. I contacted my lender and asked why the payments were not made, they stated the settlement company was holding the funds. The settlement company stated they never received such funds. The lender finally accepted they failed to send payments and also stated they did not include this amount in the escrow. XXXX I received a new closing disclosure with a higher amount for the flood insurance. As of today, I still do n't have the insurance coverage that was supposedly already paid. Per emails from the lender, I am being asked to sign the new closing disclosure with the date from the original closing. The premium payment for the insurance and the certificate have been lost to the lender since they have n't paid for the policy nor refunded them back to me. I am also being instructed to commit fraud by using a false date on a document because they are having trouble selling the loan. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In 2010 my loan was transferred to Green tree services from XXXX I had an approved loan modification from XXXX. Once green tree got the loan They refused to honor the modification and made me loose my home. 
The property is XXXX XXXX XXXX XXXX XXXX MD XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: An company totally unknown to me named Certegy Check Services, Inc.has stated that they refused to allow my check to be cashed. This is from a legal class action court settlement ( Outage Alert Text Message Settlement c/o XXXX XXXX XXXX ), and guaranteed by law. Check # XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: OneTrust Home Loans is actually the fictitious business name of Calcon Mutual Mortgage, LLC, a XXXX LLC headed by CEO XXXX XXXX ( XXXX ) and his brother XXXX. On XXXX/XXXX/2016 I recieved a solicitation telemarketing call from one of the employees, XXXX XXXX from his personal cell phone at XXXX. I asked XXXX how he obtained my personal cell phone number. He stated that he got it off of one of the tax returns of his mortgage loan client. I was shocked. I said " seriously you got ta be kidding ''!!! He actually pilferred confidential information off of a clients tax return. XXXX!!! 

If you use these wierdos your privacy is gone forever. To steal information off of a clients tax return and use it for telemarketing is beyond bizarre, it is likely criminal. 

Now for the wind up ... my cell phone is on the do not call list. I am registered. These OneTrust guys can not be trusted with your information and they do not follow the laws. It is in fact a crime to violated 47 USC section 227. The crime is listed under 47 USC 501. It is also a crime to violate XXXX Business and Professions code 17200. 

I filed a complaint with the Department of Business Oversight. I doubt the government will do anything to stops these mental nutcases. But you can do one better, do n't use them tell your friends to not use them either. Protect your privacy and get rid of scum telemarketers, use a different mortgage lender to get your loan. 

If you want to tell XXXX what you think of his racketeering enterprise, then email him at XXXXXXXXXXXX. But be prepared to be chewed-out like he did to me. 

The headquarters is at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I borrowed {$8000.00} from my former Bank Wells-Fargo to complete XXXX school in XXXX XXXX. I started making payments on the loan six months after graduation ( which was XXXX XXXX ) and even though I have been paying approximately {$93.00} per month since then, the bank applies most of my payments to interests leaving me still owing more than {$8000.00} as at today XXXX, XXXX. At this rate I feel the bank wants to keep me perpetually indebted to them. With a 9.4 % ( manipulated fixed term rate on the loan ), I feel I have been taken advantage of and I want to take the matter to court. I am not trying to get out of paying the loan, I just need to be treated fairly. Please direct me to a legal service in XXXX, Ga that can help me. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I applied for preapproval with Freedom Mortgage wherein they submitted an email to my landlord indicating that we had great FICO scores and see no reason why we would n't be approved for a mortgage loan. After providing our driver 's licenses and other identifying information which revealed our ethnicity, we were asked to supply a numerous amount of documentation that was not relevant to the loan application. We were subsequently denied a mortgage loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/2015 I traveled to California. I noticed early Sunday morning ( XX/XX/XXXX ) that many fraudulent charges were made to my account. I tried to immediately notify Bank of America. They were closed so I had to wait a few hours until their fraud department opened. Once I reached them, the agent indicated that I had to wait for all of the pending and incoming transactions to actually clear before they could help me. So once they cleared, I had to call back again and get their assistance. 
It took a few days, but Bof A returned my money. I thought it was resolved. 

On XX/XX/XXXX, Bof A began taking my money out again. I called and after speaking with XXXX agents I was told that my claim was denied. I was told that BofA had written proof from each merchant that I made the purchases. The " proof '' indicated was my full address. 

Many of the charges are obvious - large sums of cash, the purchase of XXXX cell phones from different companies ( neither my current provider ), and multiple calls to a correctional facility. There was also an initial charge to XXXX a company that can pull all of my vital information ( address, birthday, email address, phone number ) which happen to be the items Bank of America claims they verified with the individual merchants ; this is the basis of their denial of my claim. 

I started contacting each merchant. Based on the limited information from my bank statement, the same limited information that Bank of America has, they can not find any evidence of the transactions ; which refutes Bank of America 's claim that they were able to prove that I made these purchases. If I ca n't get to who used my card and my own information, then how can Bank of America deny my claim based on that supposed information? 

I have now spoken with XXXX agents regarding this incident and have yet to be returned my {$1800.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an auto loan with Wells Fargo- originated when I lived in NY and purchased a vehicle there. I lived in VA when I paid off the loan, and received a letter from Wells Fargo at my Virginia address stating they would send me the title at my VA address. That did not happen. This week I purchased a new car and need to transfer the title to the old car, the one I bought with Wells Fargo loan. VA DMV says Wells Fargo maintains an e-lien hold on it and Wells Fargo needs to remove it. Wells Fargo says this is an issue for NY. I have no way to get my title cleared at VA DMV ; both NY and VA insist this is a Wells Fargo issue. I have been in to several branches and spent hours on the phone with these people over several days. 

I am bounced from one " team member '' to another with nobody able to help me. They are taking advantage of me and waiting for me to give up instead of fixing the problem. 

Company response: Company chooses not to provide a public response
Consumer complaint: father used my social security number to take out XXXX credit cards under my name 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX or XX/XX/XXXX, I contact XXXX XXXX to make a payment for XX/XX/XXXX and XX/XX/XXXX. This is BEFORE the 30 day mark. The gentleman read off his disclaimer and thanked me for my payment. On the XXXX, I contacted XXXX XXXX again wanting to know if they were going to take my payment out of my account. She replied, " If you made a payment we 'll get it. '' I told her that I had made a payment and I was calling to let them know that a payment was made and it 's not reflecting on my bank account. She repeated her initial statement and I ended the call. On XX/XX/XXXX, I called to make a payment and the balance was higher than the month before. He told me that the check was returned for insufficient funds. That was a complete and utter lie. After reviewing my bank statement, there was n't a NSF credit due to trying to process a payment from XXXX XXXX. Finally, after speaking to a gentleman, he stated that " I was correct. It was n't for insufficient funds. '' Of course, I knew that. He told me that he was going to dispute the 30 and 60 days late on my report. It was removed and then mysteriously re-added. After going around and around with them they simply refused to admit that the error was on them not me. Especially, since they did n't attempt to deduct the funds from my account. They already have my banking information stored without my permission, so I did n't have to provide them with anything.Therefore, I should n't be penalized for it. I could n't see if I did n't have the funds availablity, but they simply did n't attempt to retrieve the monies. They have tanked my scores XXXX points due to no fault of my own and I am down right livid and the issue needs to be resolved. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Sometime in 2015 I went to see a XXXX at XXXX XXXX XXXX , XXXX about a XXXX XXXX. XXXX XXXX wanted me to XXXX for 24 hours. I informed XXXX XXXX I had no insurance and could not afford the XXXX. XXXX XXXX gave me a form to take to XXXX XXXX for patient assistance. At XXXX XXXX I spoke to a XXXX XXXX who I specifically told if there would be any cost I could not have the procedure. She told me the hospital would cover the cost. Later when I received a bill from the hospital and a bill from the XXXX I called XXXX XXXX to ask why I was receiving bills at which time she told me that the financing had not caught up with the billing and I should just ignore the bills. Now I am receiving letters from a debt collector from the XXXX. I am being told that there was a XXXX who had to read the XXXX and that was who the bill was owed to. I asked XXXX XXXX why she had not informed me there would be a bill when I had specifically told her if there was ANY cost I could not have the procedure. She told me there was nothing she could do about it. I have no income and just a small amount of money to live on that I inherited and could not justify spending any money on this procedure, which I did initially inform XXXX XXXX of. No one ever mentioned to me at any stage there would be a bill from a XXXX or that one would be involved. I would have opted out of the procedure if I had been informed. I feel I was never given the choice. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sought relief from a wrongly filed tax assessment which resulted in a Ohio tax lien against myself from the Ohio Attorney General on XXXX/XXXX/15. On XXXX/XXXX/15 the Ohio Attorney General after conducting an investigation into my claim that the lien filed against me was not valid, agreed and cancelled to reflect a zero balance. I was sent documentation to file a release of the lien at the XXXX XXXX XXXX XXXX XXXX XXXX, which was filed and recorded on XXXX/XXXX/15. My request for relief included documentation from the Ohio Attorney General 's Office to provide to each of the credit reporting agencies, asking for removal of the public record from my consumer reports. On XXXX/XXXX/15 the Ohio Attorney General sent on my behalf the letter previously mentioned to Transunion requesting they update my account record as voiding and expunging any reference to this lien. After review of my consumer report on XXXX/XXXX/15 Transunion updated the report to reflect the lien as released but still reporting. On XXXX/XXXX/15 I started a new dispute online with Transunion. Again I provided documentation by mail, asking for this lien to be voided and expunging from my personal report. On XXXX/XXXX/15 I received notice of the results of their investigation. The results were found to be the public record to be reporting correctly. 
I am aware of the statutes regarding the reporting of paid/released liens. I am not disputing the fact the lien is recorded as paid/released with the court. My concerns are with the fact that at the request of the Ohio Attorney General to void and expunge any record from my personal Transunion consumer reports are not being addressed. It is my hope that by filing this complaint with the CFBP, that it is brought to the attention of a Transunion Representative with the authority to remove this wrongfully filed lien from my Transunion consumer credit file. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX, 2015 I reserved XXXX seats on XXXX flight to New York through XXXX. for {$1100.00}. XXXX XXXX declined the charge without notification to me to approve the charge. 10 hrs later my card was declined so I called to find out master card had put a hold on my card suspecting fraud at XXXX. At XXXX I called them to find out they had put a hold on my card and said they would then approve the charge. Assuming all was well I went about my business. But the next day I decided to be sure the flights were paid for to find out I had to use that day cost of flights and it was {$240.00} more. XXXX lied on their records that they had tried to call me. I called them 10 hrs. later and I am on a fraud call list. I want master card to honor their costing me {$240.00} more. Per their notes they lied about calling my cell or texting as they have read me the notes. I want justice now 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX of 2014, I was behind on my payments. I was awarded proceeds from my divorce. Before divorce, former spouse was the only source of income. I contacted Citi, in regards to me account. During the phone conversation, I requested for the late charges, as well as as late remarks on credit reports to be reflected as " never late ''. The customer service rep agreed to this. I then commenced to pay the back charges, and the account was " reinstated ''. From that date forward, this account has since been paid and closed. I decided to close this account, due to personal reasons. I have received several mailings, from this company, as well as my request for an an investigation, as per the Fair Credit Reporting Act. I received a letter stating they will no longer communicate with me. This, to me, is their way of stating " We got your money. Have a good day. '' I am highly offended by their comments to my latest request. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response