AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am submitting a complaint about Wells Fargo holding funds from a check I deposited into my business checking account. The check was from a client and written to myself, the business owner, and my employee. I deposited the check in the ATM and was told funds would be available the following day. The funds showed up the following day on my account, but when I attempted to make a business purchase my card was declined. I immediately went into the branch and was told by a banker that there was a hard hold on the account even though the check funds had cleared due to the third party name on the account. They called loss prevention who advised me to simply bring in the third party and have her sign a hold harmless agreement and that the funds would be released or if I did nothing the funds would go back to the original account after ten business days. I took my employee out of the office to go to the branch and sign the agreement. After signing the paperwork, they then told me that they needed a proof of payment letter from the issuer of the check, XXXX. They told me to go to XXXX to obtain this letter. In an attempt to get this taken care of I went to XXXX personally to ask for this letter. XXXX advised me that it was ILLEGAL for them to give me a proof of payment and funds from the issuers account. I went back to Wells Fargo to inform them of the illegal action they sent me to do. The loss prevention team then told me to bring in my client who wrote me the check to verify the check and the funds. My client, myself, and my employee came into the branch and verified the check, showed the online banking for the account indicating the check was good and had processed. He also had XXXX verify over the phone the proof of funds to the personal banker and branch manager. They told us that the release would be completed within 24 to 48 hours. It has now been 19 business days, over three weeks and no funds have been released to myself or back to my client. I have been called a liar, given the run around, yelled at, hung up on, and treated like a criminal by Wells Fargo loss prevention. They have frozen my account and all my funds, in addition to the check funds. They have ruined a business transaction for over {$21000.00}. I have spent hours trying to speak with them and explain the FCPB regulations just to be hung up on. They are unreasonably holding my funds and not releasing them to myself or back to my client. This is the most ridiculous thing I have ever had to deal with. They keep telling me to do one thing, I do it, and then they say no do another thing. After all the running around I 'm doing I still have no account access, no funds, and no explanation. I have never been treated like this by anyone, no less a bank I have been loyal to for years with my business. This situation needs to be resolved right away, this is beyond out of hand. I have continued to reach out to managers and was told Id receive a call back and still never was called. 

Company response: Company chooses not to provide a public response
Consumer complaint: Since Green Tree sold to Ditech in XXXX XXXX, it has been a nightmare to deal with Ditech Financial LL. We have an automatic payment set up through our bank and we 've also made XXXX payments on Ditech 's website. According to their own records, we do n't have a payment due until XXXX XXXX, XXXX. 
Their debt collector has been sending us letters. We do n't want their incompetence resulting in an adverse effect on our credit scores. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We have a subprime loan ( First 10 yr Interest only ARM, then 20yr Principal, Interest, Escrow & ARM ) with American Servicing Company aka ASC, a subsidiary of Wells Fargo. It was originated with XXXX and sold to ASC in XXXX. We are seeking assistance to get ASC Well Fargo to agree to accept the release of the second lien holder letter with XXXX XXXX XXXX under the HAFA Short Sale agreement. We also would like Wells Fargo ASC and XXXX XXXX XXXX to provide a closing extension to end of XX/XX/XXXX with current buyer based on current short sale approvals. 

XXXX has agreed with my husband and I to a workout agreement as stated in the letter but has stated that they ca n't waive the deficiency. Wells Fargo is stating according to HAFA that the second lien holder which is XXXX XXXX XXXX has to waive deficiency also and state it in the letter. This has caused a delay in closing and possible restart of short sale process. Now because of the verbiage not to waive deficiency in letter with XXXX XXXX XXXX, we are being forced to file with Wells Fargo ( ASC ) as a traditional short sale, lose our home affordable consumer rights and relocation assistance. I spoke with a counselor from HAFA who indicated that the first lien holder which in this case is Wells Fargo ASC is required to waive deficiency because they filed the paperwork with HAFA. The counselor indicated that subordinate lien holders were n't necessarily required to waive deficiency, it was optional. 

We are underwater in our home value and behind our mortgage payments with Wells Fargo ASC since XX/XX/XXXX. I 've been under tremendous stress in dealing with Wells Fargo ASC. And all the back and forth between both lenders. I have small children and I 'm a XXXX patient with XXXX when under stressful situations like this. Recently we became caregivers for my mother who just had XXXX. 

We 've been in our home for 10 years and was denied by Wells Fargo ASC loan modification to put the first mortgage into a low fix rate. We did n't qualify for a HAMP because a private equity investor backs our mortgage through Wells Fargo ASC. During the loan modification as with the short sale process, I fell extreme duress because ASC home preservation department padded my file requesting incessant information regarding detail copies of our trust and life estate, having us to sign official forms stating that we live in the home, our mailing address is a postal box, constantly questioning my husband 's income and potential earnings and having us sign off. We ca n't afford to pay the balloon mortgage payments that increased our payments to {$2200.00} with ARM ( {$2400.00} because of ARM in XX/XX/XXXX ). We would like some relief. 

Company response: Company chooses not to provide a public response
Consumer complaint: I several different account on my Trans Union Report and XXXX Reports that have incorrect information. I have been working for years to get this information updated and removed and have not had any success after filing discrepancy reports with them over the years. Then today I was denied a home loan because of bad information being reported in these reports. This is not only embarrassing but very stressful because this information is effecting me being able to purchase a home for my children and myself. I have served my military faithful and retired successfully and to continue to have to battle these agency is nothing no one should have to endure. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been battling with portfolio recovery and Foster, Garbus & Garbus for over a year regarding a debt that is not mine. I continue receiving letters from Foster, Garbus XXXX Garbus regarding same debt although I 've submitted documents to Foster, Garbus & Garbus proving that I DO NOT OWE said debt. These guys went as far as having my XXXX XXXX account frozen last year and I thought the issue was resolved once I submitted my documents. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I filed for a payday loan before joining the XXXX XXXX back in 2013 for an amount not exceeding {$1000.00}. I have the bank documents where they withdrew the amount from my account. I have been contacted indirectly by a third party, XXXX XXXX XXXX, demanding a payment for the amount of {$850.00} owed. They did not verify the original amount, nor did they send me documentation of the original contract. They also threatened legal action if I did not pay the settlement that was offered. I contacted The Cash Store ( original creditor ) to find out if I could get the original document to assess the situation, and whether or not I owed any amount. They said there was a remaining balance that was sold to a third party, and they did not have the original document. I then contacted their corporate office, who said they did not have any original documentation of the contract, and just stated the payments I paid to The Cash Store. They referred me to the third party the remaining balance was sold to, which was not XXXX XXXX XXXX, but XXXX XXXX XXXX, XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Nationwide Credit I reporting to XXXX that I owe {$3000.00} to an apartment community called XXXX. I have contacted Nationwide Credit, requesting a detailed explanation for the debt they are attempting to collect, but they are refusing to supply this information. It is a violation of my rights, under the Fair Debt Collection Practices Act to continue to report this debt to the credit bureaus, if they can not verify details about the balance they are trying to collect. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage was originally With XXXX XXXX, then sold to XXXX, sold to XXXX and then sold to Bsi financial. Bsi financial does not answer their phone, return calls, and they lose documents submitted and Certain departments of BSI do n't even see me as a consumer. I keep submitting that I have insurance on my condo and when I call the insurance department of BSi they say no loan exists in my name. I could be making payments and sending my information to where? Also my interest rate keeps increasing every year. I can not afford this and when I submit paperwork they tell me it 's not valid or expired. I do n't want to lose my home. Today I waited 2.5 hours on hold and then a message came on to leave a voicemail ( I have done so and emailed but never hear a response back ). 
I was also told that my person of contact is a XXXX XXXX, I have called him, left messages, to no avail since XXXX. I can not connect with him. 
Something needs to be done. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is a complaint about Regions Bank and a warning to everyone out there about this banks on-going promotional frauds and consumer abuse. They advertise numerous promotional bonus offers to consumers to open a new bank or credit card account - offers which specifically offer dollars bonuses ( {$100.00} ) - but BEWARE - after you sign up - getting the actual bonus will be an outrageous hassle. This bank appears to have an organized scheme to delay and deny ACTUAL PAYMENT OF THE BONUSES by stalling hassling and denying consumers under the guise of " confirming '' or verifying '' whatever comes to mind to frustrate the attempt to collect the bonus. Even letters to the president and CEO wo n't work. All you will get is more hassles. This bank is crooked in this regard so I would advise anyone and everyone to avoid opening ANY accounts with them. I am making Consumer Protection complaints and publishing notices everywhere in an effort to combat Consumer Fraud and Abuse by Regions bank. 

Company response: Company chooses not to provide a public response
Consumer complaint: for the past three months Ditech Financial has added a late fee to my mortgage payment. The payments were done through my banks online bill pay option which I have been doing for years w no issues. My Financial Institute shows that Ditech has received the payments prior to the later fee date each month, yet the payment is n't being process until after the XXXX to which I am being assessed a late fee for. I even went as far as having the representative annotate in my account file that my financial institute was showing that they had recieved my payment on the day i was speaking w them for the month of XXXX which was XXXX XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I pulled my credit report and found a judgment on the report from XXXX XXXX XXXX XXXX for {$2400.00}. I decided to reach out to XXXX XXXX to understand what this debt was since I had never received any notification about it and discovered that XXXX XXXX has gone out of business. I then disputed the judgment with the credit bureaus since I did not know what the debt was and am not able to discuss with the now defunct XXXX XXXX. XXXX and XXXX promptly changed the status to satisfied on my credit report, but despite trying to have it removed twice from Experian they informed me that the debt was valid and would remain there. Until I can satisfy this issue, I will not be able to purchase a home. It is impossible for me to satisfy or even confirm the debt is mine if the company has gone out of business. Please help!! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The Statute Limitation on this account has passed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have attempted to fax the number I was given to from Chex-systems to send in a copy of the police report that I have filed with the XXXX County Sherrifs office and the fax continues to ring busy. I was denied opening a checking account based on fraudulent information reporting and it is very important that this matter gets resolved immediately I called the customer service number who recommended me mailing the information to their address but I need this matter resolved yesterday. I am attaching what I have attempted to fax to them on several occasions but continue to have issues. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company has contacted my family, my job, and me after they were given a cease letter over a month ago. Also, I have been working with an attorney to file bankruptcy after my divorce and they were notified if this. They have been bothering people I know to give them information as to where I work, etc. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There is a XXXX XXXX XXXX credit card on my report that is mine. This account was paid and closed in 2013. There is a balance of {$18.00} showing on my report with a past due amount of {$17.00}. I have contacted XXXX XXXX XXXX and they have said that the account is closed and there is not an outstanding balance even thou I have showed them the report. I would like to resolve this balance but have no idea how I can when XXXX XXXX XXXX insists on the phone that there is n't a balance owed. The info reported by XXXX XXXX XXXX is showing me as past due and this is having a negative effect on my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: I hired a law firm to help me with some issues on my credit report. There is currently an account that is showing on my credit report that is an auto repossession from XXXX and is still showing up as an unpaid and owed balance. This account is very old and has been hurting my credit and has been preventing me from opening any other accounts with any other company. My attorney has advised that this account is past the Statute of Limitations and should be updated to report no balance currently owed. My attorney stated that they are violating the Fair Debt Collection Practices Act because after the Statute of Limitations has passed they are no longer supposed to be reporting to the Credit Bureaus as an owed balance because it is a misrepresentation of debt. On XXXX my attorney 's office sent them a letter stating that this account is past the Statute of Limitations as of XXXX because she said that auto repossessions are 4 years. On XXXX my attorney 's office called to see what their response was to the letter to update this account, and they refused to acknowledge that the account is past the Statute of Limitations. They refused to acknowledge that they should update my account and would continue to report it to the Credit Bureaus as an unpaid balance. On XXXX my attorney 's office sent out another request stating that it should be updated and they have yet to respond. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a loan with Specialized Loan Servicing for nearly 10 years. The loan payment increased as a result of the GOING TO TERM from Interest Only. The XXXX payment was made via AUTO BILL pay for XXXX versus XXXX. The XXXX payment was received before due date and once we realized that it was less the the minimum I contact SLS and made a payment for the balance prior to end of GRACE Period. SLS is taking XXXX of the payment for maintenance and not my full payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: I properly disputed an unrecorded lien on my credit report to no avail. There is no recorded lien or released lien # XXXX from this Court for this date for this amount. I have documentation from XXXX County Recorder of Deeds that supports my dispute of this erroneous entry on my report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern Trans Union, XXXX. XXXX XXXX, XXXX, XXXX XXXX Please update my phone number to my public and fraud alert cell XXXX I recently pulled a copy of my credit report and noticed the following information is in error : Name Errors : NAME : XXXX XXXX NAME : delete not my name XXXX, XXXX, XXXX delete not my name ADDRESS Error : ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, XXXX XXXX I never lived at these addresses. 
Please remove them. 
My correct address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I been living there since XXXX/XXXX/XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX ss # XXXX dob XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a loan from a company in Kansas XXXX Kansas called Simpli Fast lending for an unsecured loan of XXXX or possibly more. The ad is false misleading because it states that bad credit is no problem and it deceives people into thinking the will get a loan regardless of their credit history.I have filed a complaint to the better business bureau and attorney general in my state but they will take a long time to look into my complaint. The ad states as follows Need Money No Problem Personal Loans Simple Easy Fast Bad Credit. No Problem Approved in minutes. 
Apply online or stop by. 
Open M-F XXXX SimpliFast Lending The loan experience you deserve XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I emailed the company and XXXX answered by email to my response but he did n't come back with a response just yet. I am asking that the amount of the loan that should have been financed to me in addition to all legal claims for false and misleading advertising in additional to all applicable lending laws as well as other damages as well. So I would ask that the company pay me all losses in my settlement as I needed the money for urgent personal matters as I am more than able to pay back the loan with my income requirements as well. I get a va pension of XXXX, social security XXXX of XXXX a month, and about XXXX or more a month working part time at my job which would be more than sufficient to pay back the loan even if my credit was an issue in which the ad states that bad credit is no problem in getting a loan with their company. It is the holidays and I need this matter settled as promptly possible as I intended the money to be also used for holiday shopping as well. Please call me back as soon as you can to settle this matter. 

Sincerely, XXXX XXXX XXXX XXXXXXXXXXXX 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: WELLS FARGO LOAN # : XXXX REQUEST TO APPLY OUR " Cash Balance '' FUNDS to First Trial Payment due XXXX/XXXX/16 Wells Fargo has offered us a 3-Month trial payment plan for {$2100.00} per month starting on XXXX XXXX, 2016. We currently have $ XXXX sitting in a " cash account '' which we 'd like to apply for the XXXX XXXX, 2016 trial payment. We will easily be able to pick up the XXXX XXXX, 2016 payment and be in good financial standing for the new streamlined modification loan we were offered. 

XXXX XXXX, my account representative, told me twice on the phone that I could receive a check with these funds and he would expedite it, then he placed me on hold, came back and informed me, " I can not issue you this check and we can not apply these funds to make our payment ''. Please pull our phone conversation from Tuesday, XXXX XXXX, 2016 for the most recent misinformation spreading to a customer in need. 

I do not believe it is legal for Wells Fargo to hold our funds and I 'm requesting that your company make an exception and apply these funds immediately, so we can start the " XXXX Streamlined Mortgage which puts another {$200000.00} in the pockets of Wells Fargo '' and if not, we are requesting a full explanation along with the statute and law that allows the bank to confiscate these funds or hold them in limbo, when they could easily resolve our current situation with a simple transfer of unapplied funds. 

Wells Fargo is threatening to start foreclosure process if we do n't make the XXXX XXXX, 2016 payment. We also spoke to XXXX XXXX, XXXX, who also confirmed this misappropriation of our cash balance funds. When I asked to speak with her manager, " XXXX XXXX '', she rudely denied the request vehemently which coupled with resulting in my overwhelming distress and unnecessary upsetment causing severe emotional trauma. 

XXXX please help us resolve this amicably and simply apply the funds that our legally ours to help us start the streamline program on XXXX XXXX, 2016. We have XXXX young children with special needs and this is the only asset we still own. Please help us. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was called by a guy saying he represented a collection agency for Eversource ( a power company in my area ) saying that we owed {$45.00}. We knew that we had paid in complete our total power bill. 
He threatened to mark down my credit and said we had to do it tonight. When I asked for his number and told him I would call him back he just hung up. 
Call was from XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: on XXXX the branch manager came to my home and harrsed my wife.He ask for me, but i was n't home.He told her that he would send the cops after me for stealing their money.also he said he would come to my job and inbarrese me.He also stated that this was his third time comeing to my home. 

Company response: Company believes it acted appropriately as authorized by contract or law