AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have a complaint against an FHA approved lender related to the origination of an FHA insured mortgage, Property AddressXXXX XXXX XXXX XXXX Fl, XXXX Your name and contact informationXXXX XXXX, contact via email or ( XXXX ) XXXX XXXX Lender InformationXXXX XXXX - Home Mortgage ConsultantWells Fargo Home MortgageXXXX XXXX XXXX. 
XXXX. XXXX, FL XXXX ID XXXX The FHA Case NumberDo not currently have, but should be on record. 
Documents relevant to the complaintAs needed ... 

This is a few years old, and I do wish to file a complaint. I was thoroughly disgusted with how I was treated by Wells Fargo in the purchase of this home. 

Started with Wells Fargo mid XXXX 2011. Initial visit stated I would be approved for an amount to cover the house. I filled out all the paper work and jumped through all the hoops ( paying off credit cards ) as asked by them. 

Wells Fargo DRAGGED out this home purchase, what do they care? But to buy a HUD home, you have 45 days. Then every 15 day extension was about {$370.00} ( plus overnight shipping $ XXXX ) ... By the end of XXXX I 'm getting ready to send in for the XXXX and final 15 day extension ( almost {$1000.00} I had to pay ) and Wells Fargo comes back with, " you are approved for the purchase price, but we will not finance this house due to things we found in the inspections ( bank and mine ) ''. 

I found another mortgage company and asked if they could get this done as soon as possible, being my XXXX 15 day extension was ending soon. 

The XXXX mortgage company, XXXX XXXX Mortgage, which I approached in early XXXX 2011, was able to close in a few weeks time on XXXX XXXX, 2011. 

I have been living in the home since. 

A few months after the closing, the mortgage was sold. Guess who bought it? 
Wells Fargo. 

So they were able to run me through XXXX HUD / FHA extensions totaling around {$1000.00} out of my pocket, at one point the Wells Fargo Realtor yelled at me on the phone, then THEY DENIED me buying this particular home and after another company did the mortgage closing, they bought it, on the same exact house they would not sell to me. 

Is there anyway I can get any of my XXXX, 15 day extended closing costs back ( almost {$1000.00} ) due to their incompetence in running me through all XXXX extensions, denying me to finance the house through them, then buying the financed house mortgage from another company? 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, company named Contract Caller Inc. called in regards a debt owed by XXXX XXXX of {$200.00}. I contacted XXXX that I had received {$100.00} towards this debt and mailed a check from an outside source. Only owe {$100.00}. I responded that I did n't have the funds to cover the rest of balance. Upon explaining, the party stated to me that I must overlook my responsibility and how do have I been paying my bills. Totally disrespectful and unprofessional. Called a second time on XXXX XXXX, 2015 with the same questions. I asked did n't you call on the day before, response was that they were n't sure. I stated that they had. I do not dispute that I did n't owe the debt. Constant calling is annoying. Collection agency called Contract Caller Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX . XXXX, XXXX, GA XXXX. Phone # XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I was contacted by NCSPlus stating I owed money to XXXX University ( XXXX ), I disputed the debt and requested transcripts particularly grades and assignments of classes that I allegedly took, attendance records, I also requested documents with my signature agreeing to pay for any classes. Thirty days went by without a response, around the two month mark they sent a letter stating they verified the debt, yet they provided absolutely none of the requested documentation. I never took any classes from XXXX, as a matter of fact I was attending another college at the very same time, taking the same courses, they were stating I was taking at XXXX. I have documentation from the other college, USPS receipt and copies of correspondence from NCSPlus 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I complained to you in XXXX and was given case no. XXXX. I had a problem with Wells Fargo putting a hard hold on my deceased brother 's CD # XXXX in the amount of {$3000.00}. A Texas judge had signed a Small Estate Affidavit, leaving this money to XXXX XXXX ' XXXX siblings. The CD contained XXXX payments made to him XXXX. Wells Fargo sent me a letter after you contacted them telling me to ask XXXX to send Wells Fargo legal dept. a letter releasing the hold on the CD. I called XXXX and they said they can not do that since when the veteran died they had nothing further to do with the matter. The XXXX contact told me that only Wells Fargo could release the CD. However, Wells Fargo is refusing to honor the court order to release the money to XXXX heirs. Can you help? We are at a stalemate. Thank you, XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: They fail to send proper notification of how they are able to verify info on my report as accurate. I contacted these companies listed on my report as fraudulent and they still fail to remove them or even furnish paperwork stating that these are valid inquiries. There are multiple inquiries on my account for things I never applied for and they failed to investigate and furnish any proof that it 's valid. I 've called and asked multiple times to either delete the inquiry or furnish proof of valid cause they fail to do both this is a violation of my rights. 

Company response: Company chooses not to provide a public response
Consumer complaint: Discovery Financial is trying to collect form me XXXX XXXX. I was only an authorized signer on account. My father XXXX XXXX was the actual account holder, he is the only one that signed up for the account. Ive tried numerous times to get Discovery financial to send me a copy of the SIGNED application. They can not provide it. They can only provide a bunch of statements where I did make the payment or signed for tire changes or things of that nature. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I contacted this company multiple times asking this to do a full investigation regarding these multiple inquiries and he fact that my social and name had been changed as a result these inquiries popped up and were not authorized. They failed to properly investigate my request and also never sent proper validation as to why these are accurate and valid inquiries. I contacted these companies reporting inquiries on my credit and they ca n't find my information in there system yet experian failed to furnish proper valid proof. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been in contact with Ally Financial 's overseas customer service department, then their fraud department, then several supervisors, and never received several return phone calls as promised about the fact that they have erroneously reported that I paid XXXX payments thirty days late to the credit bureaus, when even by their latest missive that is INCORRECT. A single car payment was {$660.00} per month at that time. Many attempts to have this rectified have them ascertaining that they reported it correctly ; when from what they 're saying and what they sent to all of the credit bureaus {$1200.00}, is not reflective of what they, themselves is incorrect. I have been going on with this issue for two months and either they are n't doing the math, or they 're just refusing to correct their errors. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: National Credit Systems reports on my credit report that I owe a balance of {$4100.00}. This was a debt that they took over in XXXX from an apartment complex named XXXX XXXX. National Credit Systems and XXXX XXXX placed a judgement against me for the amount of {$1600.00} in the XXXX of Arizona. This judgement was satisfied through wage garnishment in XXXX. National credit systems refuses to file a satisfaction of judgement or to reflect the collections account as paid, because they believe they are entitled to more money than the judgement was granted for. In communications with them they acknowledge the judgement has been paid but that they want the remaining balance on the collection account paid before they will take any action. This is not right. They already took their case to a judge and received an amount that the judge authorized them to collect. They have collected that amount and are not entitled to anymore. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The bank I have a checking and saving account with Santander charged me XXXX separate charges for overdraft fee when the account was not deficient. 
They chose to process debits before the credit which was deposited 3 days prior. 

this is a common dishonest practice and I want the XXXX back! 

Company response: Company chooses not to provide a public response
Consumer complaint: I sign a contract with the company XXXX XXXX XXXX, for one year, when I sign the contract the manager with the name XXXX, told me, if you cancel the lease before the year, you lose the down payment, and all is ok. but after 6 month I talk with her to try to cancel the lease, she said no, if you cancel the lease know, you need paid the total pending in the lease, for XXXX, I deliver the keys, and she put my information under collection for the value mentioned. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I recently filled out an application to rent a house. When I received my Email from the rental place I was trying to rent from it stated that my rental history was declined.I then wondered why was it denied to to the fact that I have no rental history. I filed for a background screening report an once i received it I found that someone by the name of XXXX XXXX rented out of XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX in the amount of {$660.00} a month with an open balance of $ XXXX states that this person never gave proper notice of leaving the residence.I did not authorize this person or any other person to use any of my information. 

Company response: Company chooses not to provide a public response
Consumer complaint: transunion says my personal finance debt is - $ XXXX when in fact it is just - $ XXXX. Info provided XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am trying to put a freeze on my credit. I accessed the respective links from this site : XXXX since the fees are state dependent. There was no issue with XXXX and XXXX. I was able to complete and freeze the account online. With TransUnion, it first asked me to create an account. Then upon entering all details it said could not complete it online and asked to call a number. It was obvious it was an outsourced call, and the first thing I have to provide is my SSN. Seriously? I am trying to put a credit freeze due to a hacking of my personal information, and now I have to give my SSN to someone on the phone? 
This is the message I am given : What happened : Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. 
What to do : Please contact us at ( XXXX ) XXXX to initiate your security freeze transaction by phone. 

TransUnion needs to have a better way for Individuals to freeze their credit online. I am unclear on what data is incorrect, as it is not identified. If the other XXXX agencies could transact and freeze my credit why does TransUnion have an issue with the data? Perhaps they want to tie me in to a subscription????? 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is false reporting ID theft and misleading information of bankruptcy and inquiries. All related information to this matter has been given to Experian XXXX times over as to police reports of ID theft and false reporting of bankruptcy given. Experian continues to report financial harming information. Please you assistance is greatly needed. 
Thank you, XXXX XXXX - Contact # XXXXXXXXBelow are the dates when information has been sentXXXX XXXX, 2015 mailed & emailedXXXX XXXX, 2015 mailedXXXX XXXX, 2015 mailedXXXX XXXX, 2015 mailed & emailedXXXX XXXX, 2015 mailed & emailedXXXX XXXX, 2015 mailed 

Company response: Company chooses not to provide a public response
Consumer complaint: Since 1999, my condominium mortgage loan has been re-sold several different times, to several different companies. Right now, it is with DiTech. DiTech does not just send me my monthly billing statements, however. They also send me " sweepstakes offers, '' " refinance offers, '' etc. I have told DiTech ( & before them, GreenTree ) numerous times that I do not wish to refinance. I have told them this by mail, & by phone. I am also on the " OptOut List. " DiTech sends me their " offers '' in a white, blue & red envelope that looks just like the U.S. Postal Service " Priority Mail '' or " Express Mail '' envelopes. On the outside of the DiTech sweepstakes envelope, it states : " Time-Sensitive Information, '' " Urgent, '' " Tracking Code, '' & " Confirmation of Receipt Requested. " I feel that DiTech is trying to scam seniors, or those who may be confused, with their " DiTech Home Loan Sweepstakes '' envelopes & mailings. I am filing a complaint with your office, as I want other people to be aware. Thank you for your time. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was XXXX years old, right out of high school, I wanted to be XXXX and decided to try the XXXX field. Texas XXXX XXXX was about half a mile away, I went in to check it out. They sold me the world, told me how much money I could make if I signed up, they said I would travel the world and could make salaries from XXXX p/y. I was very confident, they failed to mention that average XXXX make XXXX $ XXXX $ p/h first few years. With XXXX in possible debt, they should have mentioned that. I 've struggled ever since, was the worst decision I ever made. Now I owe the student loan finance cooperation around XXXX in debt and its growing I 'm sure. I refuse to pay because I ca n't use the college credits I achieved in any other college, not even XXXX colleges accept them now. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/2015, I contacted TransUnion concerning several hard credit inquiries appearing on my credit report. These inquiries were made by third parties who DID NOT have my permission to pull the report. I made TransUnion aware that the companies/organizations who gained access to my credit report had no permissible purpose under the Fair Credit Reporting Act and that TransUnion had the responsibility under 15 U.S.C. 1681i ( a ) ( 5 ) to remove credit inquiries occurring without obtaining permissible purpose from the consumer. TransUnion has ( 1 ) refused to make the violators prove that they had permissible purpose and ( 2 ) refused to remove the inquiries from my credit report after failing to obtain permissible purpose from the violators. 

Company response: Company chooses not to provide a public response
Consumer complaint: I will begin with the fact that USAA is well known for manipulating their customers accounts. If you make a deposit or withdrawal they will move the dates in order for them to collect more fees. I actually have proof of this happening in my account. The most recent occurrence of my account being manipulated was on XXXX/XXXX/2015. I made an immediate withdrawal of {$1800.00} from a local branch which USAA partners with to obtain a cashier 's check in the entire amount withdrawn, similar to an ATM withdrawal but due to the amount it needs to be completed this way per USAA. However, my USAA account statement shows the withdrawal was made on XXXX/XXXX/2015 which is a significant deficit of days and cashiers checks are immediate. I kept all receipts of withdrawals to prove this. I also paid a bill which cleared after a deposit I made in the morning of the XXXX XXXX only to have it magically appear before the deposit, even though it was n't made until after the deposit was made. My next instance happened on XXXX/XXXX/2015 when I deposited via my phone a US Postal money order in the amount of {$310.00} in the morning at approximately XXXX XXXX it was later that day after my deposit which is immediate when made from the mobile device that one of my auto drafts for billing cleared. Once again my account was manipulated and my deposit was moved to after the ACH draft attempted to clear as to make it appear that no funds were available at that time so USAA in turn could charge me an overdraft fee. Then when my check which was written out to my housekeeper in the amount of {$85.00} cleared they once again manipulated my account and charged me not once but twice overdraft fees when you can clearly see on my account statement there were funds available and the check itself did clear the first time. When I spoke with a customer service rep, they told me they could not fix it because it was their computer who processes and they can only see the process. Now, if it is my money and I can see that enough is there to clear any debits or checks they can not do things behind the scenes in order to make more money. I am in the process of changing banks and I want the FTC to look into USAA and their practices as I am not the only service member who has experienced this. I want those fee 's refunded as there was money in my account and I also want their " system '' to reflect actual dates and times of transactions accurately. Again I have proof of all that I have alleged and would be more than happy to hand it over to anyone who wishes to see it. I want to ensure this stops happening to those of us that serve. Thank you 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a XXXX eligible investment property loan thru Wells Fargo. 3 years ago I tried to refinance using XXXX. After 3 months of documentation gathering, they told me I could not refi because I had more than XXXX rental properties. They said it was their " internal '' requirement, not XXXX of XXXX. I just started the process with them again because they said they now waived that requirement. I was eligible in every way except I want my ex-husband 's name off the mortgage because he would not help me refinance it. I was successful getting this done thru XXXX refi on XXXX other properties 3 years ago. Now Wells Fargo says they ca n't because all of my rent money was being deposited into a bank account that had my name and my property management name on the account. They said that is not considered " personal '' funds and I have to show I made the mortgage payment with my " personal '' funds for the last 12 months. I was pretty sure last time I just had to show that my ex-husband 's name was not on the bank account but they said no, that was not the XXXX guidelines. I am paying them 7.25 % interest on the loan. I think they just want to keep getting the higher interest. Can you help? Can you clarify " personal '' funds for the purpose or removing XXXX person 's name from the loan when refinancing? 

Company response: Company chooses not to provide a public response
Consumer complaint: Alleging unlawful fraudulent Conduct,Bank accounts,Stocks Bonds,Escrow accounts,Arch payments,ect
Company response: Company chooses not to provide a public response
Consumer complaint: Experian continues to report these XXXX XXXX XXXX accounts incorrectly, despite numerous disputes. Experian claims to not have my documentation, which is a lie, because I have sent this documentation to them multiple times via certified usps mail, with a receipt showing delivery. Experian is claiming they will not reinvestigate without documentation, but refuses to acknowledge that I have repeatedly sent them the correct documents to support my dispute. Experian has locked me out of my online report, as well as the ability to upload documents online- claiming they can not give me a reason why but everything must be mailed. They will only receive written communication from me at this point, and are refusing to correctly process my dispute with what I have been sending them. 

These XXXX XXXX XXXX accounts began reporting on my file as XXXX XXXX. These XXXX accounts were transferred within XXXX XXXX to another department and re-reported as XXXX XXXX. They were transferred with a positive status. These XXXX loans were then forgiven and discharged. They should be reporting as " paid in full, and closed '' with a positive status. I have been in contact with XXXX XXXX several times regarding this, and they claim they are not the ones reporting the incorrect information to Experian. 
Considering XXXX is reporting these XXXX loans correctly, I tend to believe what XXXX XXXX is claiming is true. Especially considering Experian has admitted to me that they sometimes receive reported information from a XXXX party vendor, and it may not always be accurate. XXXX XXXX was more than happy to provide documentation to me to share with Experian, and has told me they continue to report the account correctly to all bureaus. 

Dispute with documentation was sent to Experian yet again on XXXX/XXXX/2015, which they deny ever receiving. I have attached all pertinent documents. 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted a dispute 2 months ago and have not received a resolution. I included my current drivers license as proof of residency. 

Company response: Company chooses not to provide a public response
Consumer complaint: Transfer was pending at recipient bank for over 5 days at BMO Harris at XXXX XXXX XXXX in XXXX IL. Branch manager was on vacation and transfer department ignored my ACH deposit for {$30000.00}. This made me scared the transfer was lost, and angry that I was ignored. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015, I contacted Experian concerning several hard credit inquiries appearing on my credit report. These inquiries were made by third parties who DID NOT have my permission to pull the report. I made Experian aware that the companies/organizations who gained access to my credit report had no permissible purpose under the Fair Credit Reporting Act and that Experian had the responsibility under 15 U.S.C. 1681i ( a ) ( 5 ) to remove credit inquiries occurring without obtaining permissible purpose from the consumer. Experian has ( 1 ) refused to make the violators prove that they had permissible purpose, ( 2 ) refused to remove the inquiries from my credit report after failing to obtain permissible purpose from the violators, and ( 3 ) claimed that my request for corrections and accuracies to my credit report were suspicious ( see attached ). 

Company response: Company chooses not to provide a public response