AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Someone in XXXX is using my social secuirty number. I sent a questioner to XXXX XXXX XXXX and they then sent it to a collection agency, they told me to report it to my local police department and send them the file number, which I did. That collection company has now sold it to another company and I answed in a letter to them what had transpiard and that they should not contact me again!! which they have. I call and tried to explain that they had bought a bad account he responed he would see me in court!! What do I do about this harrassement? 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I was going through Wells Fargo to refinance my home. During the process, I was deceived and flat out lied to on at least XXXX occasions. The major lie was made when the appraisal of my home came in lower then expected. I was instructed by my loan officer that I needed to submit a letter to the appraisal company disputing their appraised value of my home. I wrote the letter and sent it to Wells Fargo like I was instructed to do. They were supposed to send the letter onto the apprasisal company. After asking numerous times what the outcome was of the dispute, I was told in writing that, they would not budge on the appraised value. After going back and forth and asking for the dispute denial in writing in turned out that Wells Fargo never sent the dispute letter to the appraisal company. After speaking to the appraiser again, he stated in writing that had he got our letter he would have changed the value. Because my home did not appraise for what I needed it to appraise at, I then had to buy down points in order to stay of of off sheet interest rate pricing. Wells Fargo was extremely deceptive and lied to me on numerous occasions. 

Company response: Company chooses not to provide a public response
Consumer complaint: We applied for a mortgage through a mortgage broker. When it came time to accept and lock in the rate, the mortgage broker informed us that as a condition on getting the interest rate and terms that we wanted, we were REQUIRED to open an account with the bank offering these terms. This bank is Wells Fargo Bank , NA. 

Normally, in our 30 years of owning a home, we have had our payments automatically deducted from our primary checking account with a bank ( a competitor of WF ) that we already have a relationship. But for Wells Fargo, this set up is not enough. They essentially are coercing us into opening an account and to become a customer in order to get a mortgage. If we do not open the account, we CAN NOT get the mortgage. We can not have the terms that they offered. We can not buy the house. 

We have no intention of opening an account. We can make payments as we have always done it : through our primary account with a competitor. 

WHY is WF forcing us to open an account with them when we do not want to? They are not convenient to us ; they are not near to us. We do not like their banking products, except for the mortgage. Why, as consumers in a free market, should we be forced to open an account. 

This requirement amounts to coercion and tortious interference with business relations. 

This requirement is EXACTLY why the big banks should be broken up. This requirement should be investigate and WF should be estopped from requiring this action as part of offering a mortgage product. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted Wells Fargo to see if they could compete with an auto loan offer I received from a credit union. I was assured that they would be able to offer a loan at or below 3 %, I made sure this was the case before proceeding with the application. The loan was approved, but at 5 %, rather than the promised 3 %. I feel I was misled into applying for the loan that was not desirable. 

Company response: Company chooses not to provide a public response
Consumer complaint: Continuation of CFPB complaint # XXXXDebt is over 15 years old. I received a call from XXXX who stated he is going to file a law suit against me for {$6000.00} that he claims I owe US BANK will file suit in XXXX XXXX Maryland. He stated I signed something extending the collection date ( I did n't sign anything ). His number is XXXX. I DO NOT OWE ANYTHING TO US BANK AND I AM BEING HARRASSED BY THIS DEBT COLLECTOR!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: While reviewing my credit report, I noticed that USBK employees had initiated an unauthorized and fraudulent inquiry into my XXXX credit report XXXX/XXXX/2015. I did not at any time authorize or consent to USBK to review my report for any purpose. This egregious act is in clear violation of my Privacy Rights and FCRA 1681 b ( c ). 
I am requesting for any verifiable evidence to support any consent I may have given to USBK employees for this gross negligent act to be provided me within 5 days for my verification. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have a mortgage on a rental home that turned out to be a XXXX adjustable. This past XXXX, 2015, it adjusted and the PITI increased by {$900.00}. We contacted the mortgage holder, ASC, and inquired about a modification. For 4 months we submitted paperwork to them. They asked for paperwork that appeared to have nothing to do with the modification requested. All docs were provided yet they asked for the same documentation over and over and over and over. Ultimately we were denied. On the phone our " representative - XXXX XXXX XXXX '' said we were denied because the property was titled to our XXXX. However the letter we received from ASC said that we were denied because we were NOT behind on our payments. We appealed with reasoning based on the Denial Letter rather than that verbally given by XXXX XXXX. Denied again, even though the property had since been Quit Claimed out of the XXXX and back into my name. XXXX XXXX continues to say the denial was due to the XXXX titling and that our only option is to re-apply for another modification. We have asked XXXX XXXX for documentation showing the denial was due, as he continually says, to the prop being in an XXXX AND for the HAMP guidelines to see if we 're wasting our time requesting a modification. He refuses to provide either, and double-talks us when we point out the inconsistency between what he tells us and the letters we 've gotten from ASC. 

On-line research into ASC shows that there are an amazing amount of complaints against the company relating to modifications including delays, denials or giving specific instructions for people to get behind in their payments so as to qualify for a modification ... and then foreclosing rather than modifying. In our case we feel we were jerked around for 4, now 6, months making payments to ASC rather than shopping for a refinance. For 4 months our file was reviewed by an Underwriter who seemingly had no training at all - evidenced by continual requests for documentation already provided and an obvious failure to understand what was submitted ( we are XXXX ). And now we are being told to re-apply by XXXX XXXX. In an email request for specific modification guidelines, XXXX XXXX states that his supervisor told him he is unable to provide written guidelines for the modification. He also refuses to provide the letter stating we were denied because the property is in a company name. Are n't we entitled to a valid denial letter? Are n't we entitled to know what criteria we need to meet in order to qualify? It seems as if it is a moving target without any specifics, so denials and approvals are random. We are being given a run around and now XXXX XXXX is not answering emails at all. This is definitely fraudulent. 

Company response: Company chooses not to provide a public response
Consumer complaint: This business has contacted my sister, contacted my Aunt, contacted my Uncle, contacted my other sister and contacted my Mother. How they got phone numbers I do not know but each and every XXXX of them told them to stop calling and they did not. I have not received a phone call. They asked each and everyone of them for my social security number and personal information about me. They also stated that I used each and every XXXX of them as my address which is false. I do not even talk to my Aunt and Uncle. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: My XXXX credit report is showing a charged off account with Citicards CBNA. I have never had a credit card with this company and I know nothing about this account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have now XXXX companies, XXXX claiming to be a legal processing center ( goes by XXXX XXXX XXXX ) and the other claiming to be a pre-trial intervention company ( whose phone number appeared on XXXX ), both stating that they will submit my " case '' unless I pay them " restitution '' or I will face charges including theft by deception and fraud, stating that I 've gone against federal banking regulations for payday loans that I have received many years ago. They state that I must pay immediately or the case is leaving their office, for my district court house, that same day. Both offices have stated that they do not accept checks, due to bad check issues, nor do they give out and physical address, for safety concerns, and will only mail me something upon completion of payments. I have also done an online chat with a legitimate law office about this matter, that attempted to call their phone numbers and says that they are most likely a scam. i am not sure what to do or how to verify that they are both definitely a scam as the XXXX legal processing company has also contacted my family members, discussing this matter and have threatened my mother, stating that her name is on these documents. I was only able to obtain a XXXX XXXX number from the XXXX company, as neither has a website or any contact information other than a phone number. I feel that I was also victimized by the XXXX company 2 years ago in a similar scam regarding this same payday loan, which I did pay them for fear of legal charges, again from many years ago. This new pre-trial intervention, which only has the name XXXX XXXX, also yelled at me and hung up on me, after me questioning their valid existence. I have received nothing in writing or in the mail from either, they stated only the court summons or arrest warrants would serve as documentation, also this loan does not appear on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX of 2014 someone deposit a check into my account from an ATM unauthorized in Work forged I 've then made a claim reporting the activity that was being done on my account on the XXXX of 2014 I then got a statement stating I was negative in my bank account and that i owed Bank of America money. I then went to a bank of America branch in XXXX XXXX XXXX where they stated that I never made a claim and the associate called the claim center and said they never got a claim so I made a claim and the Bank of America associate ask them to the ATM cameras that resulted in showing it was not me at the ATM and they removed the negative money on my account and I could receive the following money I had left on my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a US Bank Credit card for years, It had a limit of XXXX and I used it for my business. I sold my business in XXXX of this year and the company paid the credit card off. I then got a bill and I assumed it was some balance that didnt get in the original payoff so I sent it to the new owner and did n't hear anything. I got a bill the next month and called US bank and found out it was a renewal fee for the year. i told them I did n't want it anymore and they wrote it off and shut the account down. I then got my quarterly update from XXXX XXXX whom I have checking my credit and found US Bank had put a derogatory comment on my credit report and my XXXX score went from XXXX down to XXXX. My XXXX went down from XXXX to XXXX. My XXXX went to XXXX from XXXX. Since I 've always had a good credit score and had never been late on any payments, I filed a complaint with US Bank. They wrote to me saying they investigated my case and decided it was reported correctly and no change would be given. This is not fair. 

Company response: Company chooses not to provide a public response
Consumer complaint: I do n't work and I 'm on XXXX they already know this and they are not allowed my law to threaten to put a lien on my accounts 

Company response: Company chooses not to provide a public response
Consumer complaint: I have told them to stop calling my work phone # and they continue to call it more than once a day. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an account with XXXX in XX/XX/XXXX, I closed the account but was late with the final payment. However did pay the full amount XX/XX/XXXX. For some reason they are showing the account late 90-120 days in XXXX and XXXX of this year XX/XX/XXXX. I have disputed it, XXXX said that they confirmed with them the account was closed XX/XX/XXXX and paid in full but they will not fix it. I have called several times over the past few months and been very patient waiting but today after 30 minutes on hold and discussing it with a woman identifying herself as XXXX and a Supervisor in Pennsylvania she would not fix it. I asked to do a XXXX way call with XXXX and she refused. It is an obvious mistake but all she said she would do is dispute it again which I have done 2 times. When I asked for her supervisor she hung up on me. 
It is only Trans-Union that is reporting this incorrectly. I have spent several hours over several months trying to rectify it. XXXX said there is nothing else they can do to correct it as they have sent the correct information. 
In my previous calls I would have to speak with multiple people from XXXX and give them my personal information over and over which made me uncomfortable. No one I spoke with would give me any kind of employee number and everyone would tell me something different. 
Please help me. I has dropped my credit score XXXX points 

Company response: Company chooses not to provide a public response
Consumer complaint: Our original home loan was closed through XXXX on XXXX XXXX, XXXX for a 30 year fixed loan at a rate of XXXX. XXXX was underwriting for Bank of America. In XXXX I was laid off twice in one year and XXXX negotiated a new terms, with Bank of America, for our home loan to make it affordable. The new terms were for a 40 year fixed loan ( XXXX does not do adjustable rate loans ) at a rate of XXXX. The modified loan closed on XXXX XXXX, XXXX. Last XXXX my wife noticed that our online mortgage account reflected that our rate was adjustable as well as our statements. We checked our closing paperwork and nowhere did it reflect an adjustable rate mortgage. We contacted XXXX who also confirmed that our loan is a 40 year fixed. Over the course of the past 10 months, XXXX has had several communications with Bank of America, where the bank has admitted that our loan is a 40 year fixed rate loan and has agreed to correct our file, but has yet to do so. 

Company response: Company chooses not to provide a public response
Consumer complaint: The company listed on the attachment posed as a debt collector for the department of education. Leading me to believe that my debt would be settled and cut in half if I agreed to make a one time payment. The company told me that the department of education would be paid in full by them. Months later I received a call from another agency representing the department of education, " saying the debt still remains and nothing was paid off. " 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We submitted a short sale offer for review on XXXX/XXXX/2015. The file has XXXX as the investor, and the offer was also submitted to them through XXXX. We were never advised until we called several weeks later that the file was declined by Wells Fargo on XXXX/XXXX/2015. They refused to open the file for short sale review despite XXXX telling us they had not right to negotiate the file. After multiple calls we were able to have file re-opened. All along we advised our concern was the pending sale date of XXXX/XXXX/2015. We are not being advised by Wells Fargo the offer was declined although XXXX never acknowledged they received the file from them or countering our offer to provide an opportunity to get the short sale approved. 

Company response: Company chooses not to provide a public response
Consumer complaint: The homeowner is requesting assistance from the mortgage company - Bank of America. The homeowner fell behind due to a loss of income when she lost her job. She struggled to keep up the payments but became delinquent. She tried to get assistance from Bank of America, but was unsuccessful. Her income has now improved and she desperately wants to keep her home. She contacted a HUD approved housing counseling agency for assistance. The agency reviewed her finances, the Request for Modification Assistance ( RMA ) application and other supporting documentation before sending the package to BOA. The homeowner was denied a modification and the reason given was " we service your loan on behalf of an investor that has not given us the contractual authority to modify your loan. '' The investor XXXX. In trying to reach XXXX, she was told they do not instruct lenders on modifications and the decision is completely up to the lender. An appeal was made to BOA and another RMA application was submitted. However, the response has been the same. 

Company response: Company chooses not to provide a public response
Consumer complaint: UNAUTHORIZED INQUIRY INTO MY FILE. 
NOT PROVIDING FACTUAL RECORD. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had XXXX checks that did not clear my account for {$76.00} twice from XXXX XXXX. The checks were unpaid because I did not have the funds. My account charged {$35.00} for both checks. No problem, however, Bank of American let XXXX submit those same checks 10 times with different checking numbers from my original check, thus not authorized to keep sending through my accounts. As a result, my account was hit with an obscene amount of late fees {$420.00} by Bank of America and Allowed XXXX run e-checks changing checking numbers. The late fees are excessive. 

Company response: Company chooses not to provide a public response
Consumer complaint: Integrity Solution Services and XXXX XXXX XXXX are BOTH reporting a medical collection account for {$610.00}. This double reported has severely impacted my credit. They both need to be removed from all XXXX credit reporting companies. I have sent letters to the above companies without results. PLEASE HELP 

Company response: Company chooses not to provide a public response
Consumer complaint: I have requested several times to have PMI removed off of this loan. My LTV is below the requirement and they refuse to remove. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XX/XX/XXXX Wells Fargo charged my account without notice $ XXXXFor 13 Years XXXX sent qualified written request asking Wells Fargo to identifythe components. I got replies as follows " WE have received your inquiry and as soon as our research is complete you will be advised ''. The last received was on XX/XX/XXXX. ( all together about XXXX to XXXX inquiries were sent and each reply was the same - a lie ). 
Please keep in mind, XXXX must approve and agree with all loan modifications.other wise, Wells Fargo would go crazy with the Loan Modifications Wells Fargo has not provided any proof that XXXX agreed and approved or even knew about the amount .posted XX/XX/XXXX. therefore this is not a legitimate .charge. There is no way that on XX/XX/XXXX XXXX knew what to bill 20 months later and would not have approved any charge at that timeThank youRobert D XXXXXXXXXXXX characters remainingYou will get some funny answers. including about XXXX lbs paper saying nothing related to this problem. Just ask Wells Fargo to furnish proof that XXXX approved the chargeto XXXX account XX/XX/XXXX. and furnish proof there off-Thank you vvery much and good luck. 


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Company response: Company chooses not to provide a public response
Consumer complaint: I had a credit card payment due on Sunday. The following Monday was a Federal Holiday and the Branch where I make my payments was closed. I made the payment on Tuesday. I was charged a late payment charge and interest on my next statement. I called the Bank 's Credit Card Processing Services and they said they would credit the late payment charge as a courtesy but would not credit the interest charge. The supervisor told me I should have made the payment on the Saturday prior to the due date. Are the late charges and interest proper on the banks behalf? 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently filed for Bankruptcy and my mortgage loan company, State Employees, Credit Union changed the locks to my residence and refuse to turn over the keys to my property. My bankruptcy attorney and I have contacted them several times ; however the have deliberately ignored my calls. Additionally, they took monies from my account ending in XXXX, for preservation and foreclosure fees, which is a direct violation of federal bankruptcy code. Pursuant to bankruptcy code all collection activities are granted a stay of protection. I am requested that the put the money back in to my account and turn over keys to the property. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I submitted a complaint about my financial institution on XXXX XXXX, 2015 ( Case number XXXX ) regarding overdraft fees put on my account for an item that I had sufficient funds to cover. Because of the overdraft charge for that item, my account was in the negative and I was not going to put more money into the account until that fee was returned. Since then I have been charged numerous overdraft fees that should not be on my account. If the first fee was actually returned, I could have had my account in the positive. Suntrust, which is my financial institution charges overdraft fees before the full 24 hour mark is expired which I find to very unreasonable and unfair especially for a consumer to deposit money into an account to clear a negative balance. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have never been contacted by this company for payment dueThis amount owed has affected my background check which will not allow me obtain employment 

Company response: Company chooses not to provide a public response
Consumer complaint: I got a {$5000.00} loan from Sallie Mae and before I could pay it off I had to file a chapter XXXX bankruptcy. I got a letter from sallie Mae saying my loan was charged off. Two or three months later they called me to pay the loan off. Before they let me start back paying they say I have to pay {$1000.00} up front then they can put me on a {$100.00} a month payment plan. I only paid {$35.00} originally but they say when you file bankruptcy you loose that payment plan. I am still in school and do n't have {$1000.00} to give them upfront. What can I do? 

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