AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My XXXX is not working with me to find a solution for my situation. Just giving me run around. I am trapped and do not know what to do. I applied for modification several times and they have never given me a valid reason. This time, I got this letter saying that I have reached maximum number of modifications. I do n't know what it means and they are not willing provide any proof of their statement or clarify it. They are making up fake reasons while adding all kind of fees on my account making it impossible for me to keep my home. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made a small purchase through my XXXX account, which was a gift I was sending to a friend. I checked " send as gift '' and entered her name, address and phone number in the shipping details. I paid for the transaction using my credit union bank account. 
The very same day, my friend received a phone call from Wells Fargo Bank asking for me to make a payment on my student loan! How can it be legal for Wells Fargo to have access to the information I enter into my XXXX account, especially when the transaction does n't even involve wells fargo bank? I had also made a payment within a few days before this incident 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX from Wells Fargo has rejected my numerous attempts, responses, applications, and documents to grant a loan modification on XXXX my properties. I have satsifed all requests. Also, she and Wells have foreclosed on my properties even though I have requested attempts for payment plans as well which I have attempted to make and been rejected. Furthermore, I have complained that this is an attempt to comit mortgage fraud from Wells which they have dismissed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have called several times to Regions to correct the reporting of my loan to the credit bureau. I have request Regions send me a print out of all payments paid from the beginning of loan. Regions Mortgage has n't sent anything or correct the file. 

Company response: Company chooses not to provide a public response
Consumer complaint: Student loan information entered twice ( same loan amount and acct number listed 2 times ) on list of owed liabilities on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: www.Bank of America. 
XXXX ( 3 hours ago ) Replyto bcc : meBank of America XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXEmail XXXX XXXXXXXXXXXX XXXX NOTIFICATION OF CREDIT FROM BANK OF AMERICA. 

Attn : Beneficiary, We have this day of Monday, XXXX XXXX, 2015 received a payment creditinstruction from the Federal Government of U.S.A to credit youraccount with your full Inheritance fund of US $ XXXX from XXXX account with our bank, Bank of America XXXX However, youshall require providing the followings data 's below : { 1 }. Your Full Name and Address ... ... ... ... .... 
{ 2 }. Your Confidential Tel, Cell and Fax ... ... ... ... .... 
{ 3 ). Your Bank name and address ... ... ... ... ... 
{ 4 ). Your A/c Name and A/c Numbers. : ... ... ... ... ... .... 
( 5 ). Your XXXX Code / Routing Numbers ... ... ... .... 

Please do provide the above information accurately, because thisoffice can not afford to be held liable for any wrong transfer of fundsor liability of funds credited into a ghost account. 

Secondly, the only money you pay for the transfer to take place isjust {$280.00} usd and you are giving 24hours to send the payment andplease be advise that you are to send the payment to XXXX XXXX in XXXX XXXX and you are to use this information to sendthe {$280.00} usd and please be informed that you are not going to pay anyother payment to any body and do not be deceived by any body to sendany other payment. 

Here is the information you will use to send the payment through XXXX XXXX. 

Receiver 's name / XXXX XXXX / XXXX, XXXX XXXXAmount / {$280.00} usdSend us the MTCN once you send the payment. 

Thanks for banking with Bank of America while we long forward toserving you with the best of our service. 

Thanks and XXXX bless you. 
Regards, Yours in Service, XXXX XXXX XXXX B O A XXXX Branch. 

Company response: Company chooses not to provide a public response
Consumer complaint: Student loan information entered XXXX ( same loan amount and acct number listed XXXX times ) on list of owed liabilities on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: submitted a letter disputing wrong information, transition would not delete. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America is purposely saying i 'm not sending in the required documentation for a home loan modification. I have sent XXXX by XXXX and i made copies of what they requested. I am not going to keep wasting money and gas mailing them the same things over and over again. They are doing this on purpose so they can continue to add the late payments. Bank of america did this to me last time where i took 2 years to get them to lower my payment. They are giving me the run around they keep mailing me saying they do n't have the required documentation. This is causing me real undue distress. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have told this bungling clerks for [ XXXX ] years now, they continue with there self-created blunders. HOW many times do I need to repeat myself?! # SAME sloppy errors in my husbands report. This phony non-existent postal address there sloppy incompetence insists on!!! HOW did they verify something that [ never ] existed?! # Outrageous XXXX. e.g. these sloppy inaccurate blunders, are XXXX XXXX XXXX. Real XXXX here. Obvious, this is [ not ] a real postal address, NEVER MINE. emphasis added. There self created blunders [ intertwined ] with XXXX XXXX XXXX, and my husbands CLOSED XXXX, XXXX XXXX, ca XXXX also NOT MINE. There gross incompetence/willfull negligence is punitive!!! PLUS, my old XXXX cell-phone is inaccurate and cancelled, DELETE XXXX. PLUS, I do not have any shared information allowed with my husband. DELETE co-applicant XXXX. MOST incompetent blunder, I want deleted is [ XXXX ] notice statement, concerning my social security number?! XXXX I had this same_only number_ since 2011, when I established my XXXX. OBVIOUSLY upgraded by the social security office XXXX months ago. IMAGINE THAT?! # There arbitrary self created blunders are enraging. WHAT is the formal complaint process?! # These incompetent humans/employees are incapable of safeguarding personal and accurate information. I believe there sloppy credit score ratings, are based on [ how ] many complaints you file on them!!!! Reason, california is complacent with experians blunders, and being the largest. I never had any problems with XXXX or XXXX using simple common sense with my social security number, sloppy, inaccurate blunders. WHAT is the formal complaint/lawsuit process?! # 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage is an adjustable interest only loan. I have applied for a loan modification with my servicer, Bank of America and been denied earlier this year. I do not believe they are using the correct calculations when reviewing me for assistance. I believe they have a value that is way too high as well as they are not taking into consideration my payment is an adjustable, interest only loan that will increase in the near future. I now have a notice of default and possibly a notice of sale coming in the next week. I have hired an attorney to assist me in submitting my updated paperwork ( submitted XXXX/XXXX/2015 ). I have a new job as of XXXX 2015. I would like to ask Bank of America not to review me for assistance before moving forward with foreclosure by filing a notice of sale. I understand that the servicer may state my application was submitted too late, however I would like to request an exception be made and still review me for assistance. 

Company response: Company chooses not to provide a public response
Consumer complaint: Trans Union refused to delete an erroneous item from my credit report even though the public court documents show that the case was disposed. XXXX & XXXX deleted the error promptly. 
They have antiquated ways of receiving supporting documents ( mail and fax only as supposed to online upload ) and their customer service is horrendous. 
Make sure you do not have anything planned on the day you call them : ). It 's going to take forever. 

Company response: Company chooses not to provide a public response
Consumer complaint: I currently have an complaint pending against the company. As stated in my intial complaint. This account settled by my health insurance and i have been writing to each of the credit bureaus about this account since XX/XX/XXXX. I had Insurance! I was covered by my parents policy XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and have held XXXX insurance of which I was covered under up until I was XXXX yrs of age ( XX/XX/XXXX ). I acquired my own insurance in XX/XX/XXXX when i turned XXXX yrs of age. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: 1. USAA will not honor the loan rate offered to me telephonically. Mortgage rates and associated points were telephonically communicated to me and I made detailed notes of the call. I locked in the rate/point based on the telephonic quote. Written lock-in agreement listed different point level from the telephone quote and I made an immediate inquiry to USAA. USAA has delayed investigating my inquiry for XXXX days. USAA now asserts that the telephone call where prices/points were quoted to me was not recorded and, therefore, it will not honor what was quoted to me by phone. 

2. USAA has declined to honor the closing date listed in the purchase contract. I have made repeated requests to have the closing date corrected, with no success. 

3. USAA has taken advantage of the fact that I am single and a XXXX-time home buyer. When initiating the application process, USAA was made aware that a ) I am young and single ; b ) I have no realtor ; c ) I am a XXXX-time home buyer. When I received my application packet, I did not receive contact info for my loan processor ( I did n't even know I would have a loan processor assigned to me ). When I did receive contact info, I received only a first name and a telephone number ( no last name or email ). Phone calls were not answered, voicemails were not returned for at least XXXX hours. Loan processor did not alert me when documents were sent to me, and since I have not gone through this process I was not aware that documents would be sent by overnight courier to me that required immediate attention. As a result, the process has been unnecessarily delayed several times. 

4. USAA will not work with me to resolve my issues/concerns. I made repeated requests to resolve my concerns/issues about closing date and points/loan rate with USAA and USAA has declined to work with me. The representative I spoke to indicated that the closing date is inflexible and that USAA would not honor the rate quoted to me by phone since they did not record the call. Further, the USAA representative chastised me by asking why I had not taken it upon myself to ask the questions about rate changes/required forms/process. I replied that every USAA representative I spoke to understood that I was a first-time home buyer, so how would I know to ask those kinds of questions since everything was new to me? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I came to a settlement arrangement with FAMS on XXXX/XXXX/15 and paid this debt in full on that date. I have the settlement letter stating the debt would be settled with payment and the receipt where I paid. Since then they have continued to bill me and have failed to release a judgment lien against my husbands property. They still show my account with a balance of {$9400.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX {$100.00} is on my credit tracker from XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015, I submitted my payment to Macy online and by the time it was submitted a late fee was imposed. However, I quickly contacted Macy 's later that morning and spoke with a representative. The female representative assured me that the late fee would not be added and I owed only {$34.00} and some change. I paid the entirety of the bill in which I should have a XXXX balance in which was confirmed by the representative via phone. At the end of the month I received a letter from the company claiming I owed way more in which I did not. I was appalled and confused because I have one person assuring me of a XXXX balance and a letter stating another. This was the XXXX! I contacted Macy 's customer service to be treated horrible and the rep talked over me and argued with me as if this was my fault. I was amazed of the lack of care of this rep who failed to show some concern, but all he cared about was the money owed erroneously. The XXXX speaking gentleman hung in my face and I called back and a nice rep answered and tried to assist me and trying to connect me to a supervisor, but was sadly disconnected. By this time I had given up. I was upset because not only was I provided with assurance my bill was paid in full and any additional fee would be cleared, if any. I am sad to learn that their practice lacks care or empathy toward a promise made by one of their own employees. I paid the {$120.00} in which {$94.00} should be refunded ( approximately ). In addition, I know another individual that is experiencing the same issue. I would like a refund and an apology. I have sent Macy 's electronically a message, but yet to receive an apology or a follow up on what happen and how I was treated is my main concern. A promise is a promise and I would like a refund ASAP and any late fees removed from my credit report, immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received unsigned communication from an alleged mortgagee debt collector ( Shellpoint Mortgage Servicing ) claiming that they represent XXXX XXXX and that I owe {$84000.00} to their client. I have replied to them with in the XXXX day period they set a verification of debt documentation and have sent it to them via Certified Registered mail # XXXX, Giving them XXXX days to respond. Since I know that their attempts are fraudulent, as I do not owe this money to anyone I want to get the CFPB involved. I have attached the documentation that has gone out to Shellpoint Mortgage Servicing, 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: UNABLE TO CONTACT EXPERIAN THERE NO PHONE NUMBERAFTER VIEWING MY REPORT I HAVE SOME QUESTIONS I WANT ANSWEREDIF THEY CAN PUT IT IN MY REPORT THEY NEED TO BACK IT UP, IF THEY CAI N'T THEY ARE HURTING MY CREDIT 

Company response: Company chooses not to provide a public response
Consumer complaint: I secured a mortgage in XX/XX/XXXX through a XXXX XXXX affiliate, XXXX XXXX XXXX XXXX, and I was paying them through their own servicing company. XXXX XXXX, in entirety, went bankrupt in XX/XX/XXXX. I stopped making mortgage payments in XXXX/XXXX/XXXX, when I could n't find out who held my title deed and mortgage lien.In XX/XX/XXXX, XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX XXXX, initiated a foreclosure suit. However, it was Americas Servicing Company that claimed to be an injured party on all XXXX credit bureaus starting in XX/XX/XXXX. I have never signed any contract or owe any money to Americas Servicing Company. In XXXX XXXX, XXXX removed Americas Servicing Company from my credit report. XXXX and XXXX refused to remove Americas Servicing Company from my credit reports with them in XXXX XXXX. As my credit scores and job opportunities has been negatively affected by Americas Servicing Company under fraudulent circumstances. I want them removed from all my Credit Reports immediately. Americas Servicing Company is a servicing and not a mortgage company. They are not an injured party to my foreclosure case that has languished 55 months without a court date being set by any plaintiff, not even Americas Servicing Company. Please help me resolve this matter as soon as possible 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015 my finance visited a Wells Fargo Branch located at XXXX XXXX, XXXX, TX XXXX to resolve an ongoing issue we have had with our business checking account. XXXX XXXX the account representative finally fixed the issue she created and began asking my finance if he wanted a Wells Fargo Business Savings account. She had him sign a form and pulled his credit with he was unaware of because he did n't read the fine print. I receive credit monitoring and the following day I received an alert indicating that my credit was pulled by Wells Fargo. I called the branch on Monday and spoke with the manager into order to advise him of the situation, he was very hostile and began ranting that his employees would never run a person 's credit without their permission. I gave him the employees name and he told me he would like into the matter. I received a call from XXXX XXXX several moments later profusely apologizing about the situation. I asked her why she pulled my credit without my permission and she indicated she was not aware of Wells Fargo running " hard pull inquires '' on business savings accounts. She said I would receive a letter stating that it was a mistake and it would be removed from my credit report. Since that date I have received the run around from their credit bureau department as well as XXXX. I want this inquiry removed from my XXXX report. Prior to the incident at hand I never had a conversation with this woman nor did I sign anything giving her permission to pull my credit 

Company response: Company chooses not to provide a public response
Consumer complaint: I have reviewed my credit file and have been turn down for credit due to Jefferson Capital listing me as still having active revolving line of credit with them. This item does show as XXXX balance however it does show as an active line of credit which is incorrect. I was told by XXXX Representative at the company on XX/XX/XXXX that a request to delete my information was placed to all XXXX credit reports. I still see this item listed and have been turned down for credit due to this situation. I spoke with XXXX from consumer relations department at Jefferson Capital who researched and stated that this item should have been deleted XX/XX/XXXX and stated that it was deleted however it still showed listed on my credit report. I would like full resolution on this matter I am a single mother working very hard to clean up my credit. I have paid XXXX of dollars to do so by filing chapter XXXX and have been discharged and I am very confused as to why this is still showing on my credit file and has prevented me from obtaining certain credit needed for my family. I have learned that this credit stared from XXXX credit card and was given to Jefferson Capital to act as their collection agency. When XXXX gave my information over to Jefferson Capital I was in an active chapter XXXX case. So this was incorrect reporting from the start. Because I lacked maturity and did not have the education and tools I have now I was not able to confront this situation. I would like your assistance with resolving this matter please. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. Genesis lending has now sold my loan to XXXX. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: i am filing another complaint so I can resolve the issue on all XXXX major credit report companies. I would like to get this resolved on my Transunion credit report. 

On my credit report, in the public record section it says I still owe XXXX dollars to a said cable company. I resolved this issue over a year ago. I left for XXXX and my wife went and paid the said company. Yet I still owe, and it is causing damage to my credit score. I would like to get this resolved and off my credit report. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: Here the nutshell version ... ... .My ( now ) ex-husband and I filed for divorce in XXXX, and I moved out of our house in XXXX that year. As part of the divorce proceedings, we also ended up having to file for bankruptcy which was finalized/discharged in XX/XX/XXXX. Shortly after that, believing that the bank would soon be taking over the house, my ex-husband also moved out of the house. Bank of America, the mortgage holder on the house, was notified of the divorce proceedings and the discharge by our bankruptcy attorney. B of A continued to send statements to us, requesting payment on the mortgage & home equity line. I made multiple calls, advising the bank of the bankruptcy discharge, and I faxed the Discharge Notice to B of A at least XXXX times over the next six or eight months because nobody seemed to have any notation of it in our file. This has literally gone on for years until I finally filed a complaint with the Consumer Financial Protection Bureau in XXXX XXXX. Once I filed the complaint, B of A " expedited '' the processing of the discharge and it seemed like everything was going to move along swiftly. When there was a lull in the processing, I filed a XXXX complaint with the Consuer Financial Protection Bureau ( in XXXX XXXX ), and B of A seemed to get back on track. However, B of A STILL has not completed this matter. I really do n't know what else to do ... .... I 've tried contacting a couple attorneys to get some help, but nobody is interested in taking this on. I 've also contacted the XXXX who says they ca n't do anything .... B of A continues to drag their feet, and I am feeling like this is bordering on negligence on the part of the bank. Nobody seems to know where I should file any type of formal complaint against the Bank - who does Bank of America answer to? There must be some governing body that they report to .... What are my options at this point? How do I get the bank to actually expedite and finalize this matter? 

Company response: Company chooses not to provide a public response
Consumer complaint: although I have a pending dispute filed via the CFPB, I am still receiving repeated phone calls asking for this debt to be paid. I filed a ID Theft Affidavit ( # XXXX ) in XXXX 2014 ; I wrote repeatedly to the XXXX credit bureaus and the collection company in XXXX, this account is still reporting in my credit file. This account was opened after my information was stolen due to a XXXX breach of security. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/15 I deposited a {$5000.00} check into my checking account with US Bank on XXXX XXXX, XXXX California. I noticed that US Bank charged me with XXXX overdraft charges on XXXX/XXXX/15. My account balance was close to {$8000.00} on XXXX/XXXX/15. I have had several issues with this bank within the past 6 months and I am constantly fight with them to have them reverse these charges. I talked to the branch manager and he said it was not a bank error. he refunded XXXX overdraft charge and XXXX remains. I spoke with an assistant distric manager and she said that she had to support his decision. I disagree and want resolution to this issue. If I have money in the bank, why am I paying for overdraft fees??? The address is XXXX XXXX XXXX XXXX, XXXX ca. XXXX the contact # is : XXXX 

Company response: Company chooses not to provide a public response