AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX/XXXX/2010 I, purchased a new construction home through HUD First-Time buyer program. Wells Fargo Home Mortgage originated by mortgage documents for HUD. 
After closing I had discovered the home was never inspected during any phase of construction. The building permit was not valid, and the certificate of occupancy should have never been issued without inspection reports. The Builder 's Certification of Plans, Specification, & Site form was also fabricated. The individual who signed as a member of XXXX Properties is NOT a managing member. A building permit was never sent to the XXXX County Assessment Department, which is also required. HUD requires the lender to report allegations of fraud to the HUD XXXX office for further processing, but Wells Fargo has never reported anything to HUD XXXX. I kept trying to reach Wells Fargo the day after closing, but never received any reply. A few months later I receive a letter from Wells Fargo stating my mortgage had been sold, and XXXX Bank would be servicing my mortgage. 
Wells Fargo never addressed the allegation 's of fraud, and sold the mortgage to clean their hands of it. Wells Fargo would send letters stating they could not help with the issues, but under law they are suppose to refer the complaint to HUD XXXX. Wells Fargo, and XXXX Bank have continuously denied the alleged fraud. I have received form letters from both institutions denying fraud had accrued during origination. At the end of the day Wells Fargo, and XXXX Bank are defrauding XXXX XXXX, HUD, and I. All correspondences to my home were fabricated , XXXX does not exist, XXXX Properties Registered Agent has filed a statement with Attorney General XXXX XXXX 's office " XXXX Properties did not build the home, or receive payment for the purchase of the home, and has no documentation regarding the sale of the home '' Wells Fargo 's underwriters failed to comply with HUD property requirements. The City of XXXX XXXX terminated the employment of Public Works Director, and City Clerk for fabricating documents to my home, how is that not PROOF? 

Company response: Company chooses not to provide a public response
Consumer complaint: I was seeking assistance with my FHA mortgage and after several months of sending in documents I was offically denied on XXXX/XXXX/16. My loan denial was mailed to me amost 7 days later with a turnaround time of 14 days to appeal me denial. Not only did I not have ample time to respond bit I was not given a specific reason on why I was denied. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Can not get Wells Fargo to issue a title so I can register this truck. I purchased the truck in XXXX 2015. The truck is parked because I can not register or insure it and therefore I can not drive it. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have XXXX debit card transactions that occurred a day prior to an ATM withdrawal ( ATM withdrawal resulted in an overdraft of the account ). However, the ATM withdrawal ( which occurred a day after the debit transactions ) posted to the account before the XXXX debit card transactions, so instead of an overdraft fee ( {$35.00} ) for the ATM withdrawal I received XXXX overdraft fees ( {$140.00} ). XXXX for the withdrawal and XXXX for each of the debit transactions. I called the bank ( Wells Fargo ) and spoke with a customer service agent and then a supervisor ( XXXX XXXX ). The supervisor repeatedly refused to provide contact info for his manager, or anyone above him, and repeatedly stated " We are all going to tell you the same thing ''. He eventually transferred me to a department so I could " file a complaint '', but when transferred I was asked to enter an extension from the directory and the line disconnected. I was given no such information from the supervisor who transferred me. 

I have researched the practice of batching the posts for the day and then posting the highest items first. I understand this is a " legal '' practice. However, the overdraft item ( ATM withdrawal ) occurred a day after the debit card transactions. So in my case, this should not apply. 

Which raises another concern. The supervisor I spoke with notified me that all three of the transactions were listed as " Credit '' and not " Debit ''. XXXX of these transactions are from a market right across the street from my employer. I visit this place almost daily and I ALWAYS select " Debit '' and enter my PIN. There is absolutely no chance that I accidentally ran it as credit. 

So the second component of my complaint is that assured " Debit '' transactions are showing up as " Credit '' transactions once processed. I have been told by multiple agents ( Wells Fargo customer service ) over the years that as long as I run the transaction as " Debit '' the funds will come out of my account immediately ( If ran as credit there is a valid delay in posting, depending on the merchant ). I have an inclination that the supervisor I spoke with may have been misleading about my transactions posting as " Credit '' in order to give a reason why the fees were valid, but I have no evidence or documentation to confirm this. 

To summarize, my bank has issued XXXX overdraft fees ( {$35.00} each ) based on the posting order of items. However, XXXX of the transactions were made when there were sufficient funds in the account. And further, the transaction that caused the overdraft occurred a day after the other transactions. I know my fees are relatively low for filing a formal complaint, but I tried contacting the bank for assistance and feel I have nowhere else to turn. Thank you. 

I called Wells Fargo on XXXX/XXXX/2015, approx. XXXX CST. 
The name I was given of the supervisor is XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX i was contacted by phone by XXXX financial group.They said I owed them {$880.00} from a debt that was given to their office in the year XXXX to collect. The original debt was for a payday loan from the year XXXX from Advance america in XXXX XXXX california. the loan was for {$300.00}. I asked for them to mail me documentation and she said they were in the process of sueing me for this debt and there wasnt time to mail it. she suggested that they email some info to me. I got the email and it said i need to contact them by mail within 30 days. They had told me on the phone that they were serving me court papers if i didnt make payment arrangements. i told her that the original debt was only {$300.00} and she told me there were legal fees. I know theres a statute of limitations in california of 4 years on debt. i believe XXXX know this and are illegally trying to collect this debt and im real worried there gon na get a judgement against me without me knowing. please help this debt is almost XXXX years old. i reached out to advance america when i originally fell behind and they refused to work with me with payments. I had not heard anything from them since, til now. They are trying to get a judgement against me for and amount i do not owe for a debt that is 19 years past statute of limitations. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I discovered a collection account from California Business Bureau recently. I knew nothing about this bill because they never contacted me before placing it on my credit, which by law, they are required to do. I immediately disputed it with all XXXX credit bureaus and they have 30 days to contact the original creditor to verify the account. They responded back in a week that they had done so and the account was indeed mine. However, I contacted the hospital office that they were supposed to and they assured me that they had NOT heard from California Business Bureau AT ALL. Which means they are committing fraud and violating the FCRA. I did research into California Business Bureau ( XXXX, XXXX, etc. ) and this is how they conduct their business on a daily basis. They regularly threaten people to make them pay bills, illegally take money out of people 's bank accounts, give people fake account numbers so they payments do n't credit, pretend to be linked to the State of California and exactly what they did to me, reporting a collection account to the credit bureaus without notifying the person and more. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Please see the attached detailed narrative in RESPA complaint filed with the mortgage servicer 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have recently checked my credit report and I am showing XXXX late payments on my account due no fault of my own. I requested that my statements be mailed as soon as possible to a different address due to me leaving town on an emergency and not having computer to pay for it online as I usual do. I was informed that this understandable and that all payments were received on time as arranged with the reps. I do not understand why I have XXXX late payments showing on my report when I made a payment arrangement each time and was told I had nothing to worry about and everything was taken care of. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have XXXX promotional balance transfers on this account, but in the " Interest Charge Calculation '' section, where it reflects the APR ( all 0 % ) and end date of each transfer, there is no balance in the column " Balance Subject to Interest Rate, '' even though there is a balance on the card. I think this amounts to unfair credit practices, and prevents the consumer from being able to accurately track where payments are being applied/having a paper-trail reflecting this information. It also prevents a consumer from being able to know the balance that needs to be paid off before the promotion expires - without making a phone call to the bank to get the information. Therefore, the bank is setting up a situation where a consumer could unknowingly let a promotion expire without having paid off the related balance and then be charged interest on the remaining balance after expiration. It also prevents proper planning on the part of the consumer to ensure that the balance is paid before expiration of the promotion. 

The bank has also, in the past ( XXXX 2015 ), charged me a minimum interest charge ( related to a membership fee ) - but never reflected the amount of that membership fee as an amount subject to interest. This prevents the consumer from having an accurate picture of his financial situation, and means the interest will continue to accrue because the consumer can not see the balance subject to interest that would need to be paid off in order to avoid interest. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have been trying to get a deed in lieu of foreclosure from Wells Fargo for more than a year. They told us we had to vacate the home by XXXX XXXX, which we did. Then the excuses for why they could not complete the deed in lieu started. The title had not been cleared because Wells Fargo had not had the prior lien with XXXX XXXX XXXX released when they financed this loan. Wells Fargo told us we had to get XXXX to do release the lien and XXXX told us Wells Fargo had to do it. Since they are the servicing agent and originator on this loan and it was sold To XXXX XXXX, this seems to be a problem they would want to fix asap. ( Breach of fiduciary duty at the least, mortgage fraud at the worst, neither a good position to be in for Wells ) They inspected the property, and changed the locks. Then they twice halted the deed in lieu process because they said they could not get access to do more inspections. We reminded them that they changed the locks and had the keys so they sent us a set of keys that did not work. I have repeatedly asked Wells to provide the name of the title company so that we can have them address the title issue, but to no avail My friend who owns the home is a XXXX survivor and has doctors orders to avoid stress. Thus, I have taken over the daunting task of talking to these well meaning but inept people. We need to get rid of this house and Wells Fargo is obstructing the process. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was contacted by a company who claimed to be consolidating my student loans. This company claimed to be working on my loans which were previously handled by XXXX XXXX and transferred to XXXX. To my knowledge it was explained to me that they were handling the consolidation as a third party through XXXX. This company was the XXXX of XXXX separate companies claiming to consolidate my student loans. They scammed me out of {$510.00}. The Name of the company is National Budget Planners. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX 2013 I purchased a vehicle from Drive Time in XXXX, Al & the sales manager insisted I had to purchase a 5 year warranty at {$2800.00} to be financed at the 22 % interest rate on top of car price. I was also told that if I made payments on time & showed perfect pay history after a period of time like a year that DT Credit would re-fi this loan at a lower interest rate. After 18 months of perfect pay history I called & I was told this was a LIE!!!!. ALso I was informed it is illegal to make warranty mandatory. It should be presented as optional. Now I have finally found better finance at 7 % interest & asked DT Credit /Finance for payoff MINUS the amount of pro-rated warranty. DTCredit has a company called XXXX admin the warranty. I faxed them the paperwork for canceling the warranty & they informed me {$1800.00} would be credited to loan. BUT THE PROBLEM IS THEY ( DT CREDIT, LLC ) WILL NOT DO THIS TILL XXXX XXXX. The amount this difference makes is perfect for my new finance co but not without the {$1800.00} deducted. AS of today I have no warranty But DT Credit refuses to subtract this from payoff for 3 weeks. THIS SHOULD BE ILLEGAL but at the very least poor customer service. After speaking with every clerk in the office who took turns calling themselves a supervisor I was hung up on & on hold an hour. I was told that they can not contact upper management nor transfer me to XXXX XXXX, the president, CFO, CEO. I can not get my new loan financed till they take off the {$1800.00} warranty that is now canceled as of XXXX XXXX WHY should I wait till XXXX XXXX to get the actual payoff & HAVE to make XXXX MORE PAYMENT to DTCredit. THIS SHOULD BE ILLEGAL 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX County which is the enforcing entity for XXXX where a child support order originates is also reporting on my credit for the same child support account. This is giving me XXXX negative account reporting on my credit report for the same account. I have contacted both the credit report agencies, and child support. XXXX continues to report duplicating XXXX reporting. And oh, there both reporting incorrect information despite my attempts to correct the accounts with the accounts. Please help! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Experian sent me a reply saying that XXXX may not be able to contact me to discuss the matter, Contact the creditor directly. Firstly I have already contated XXXX twice ( hve the certified receipts to prove so but there was no response from them. Secondly according the the FCRA if a Credit bureau is requesting validation from an Original creditor all documentation from the ID theft victim ( ID Theft Report Drivers Lisc. PHONE # etc. ) must be sent to the original creditor so they may complete a fair and exact investigation XXXX would therefore have plenty of information to contact me. Also according to the FCRA if I request Experian 's investigation process they must do within 15 days of my request I did so and I have the Certified letter receipt letter to prove it. The Account in question is XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX : Acct. XXXX Acct : XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: TransUnion is the only credit reporting agency reporting inaccurate information of the bureaus in this case. After disputing numerous accounts that are inaccurately being reported on my credit report, TransUnion failed to delete the inaccurate accounts and continue to refuse to provide me with acceptable proof of the documents used to unequivocally verify and determine the student loan accounts ownership. As of now, TransUnion is in violation of federal law as the 30 days allotted have passed and the referenced account has not be sufficiently been verified. Under Section 611 ( 5 ) ( A ) of the FCRA, TransUnion is required to " ... promptly delete all information that can not be verified '' that has been disputed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I currently just moved and I have been trying to set up account Like credit and I finally looked up my credit and it says that I 'm a victim of identity theft but that is incorrect please contact me 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a Citi XXXX + Rewards card and received a bill on XXXX XXXX 2016 but had not received the credit card. I called customer service where they kept asking me for my card number and I explained I did n't know it because I never received the card. The told me I would have to be verified and to send my drivers license, social security and a utility bill to fax number XXXX and they would know what to do and it would take 72 hours. 
I called back on XX/XX/XXXX and spoke to XXXX who informed me no one had even reviewed my documents call back, I also had to send a different utility bill which I did immediately. I called back on XX/XX/XXXX and spoke to XXXX and still my documents were not reviewed! I gave them a little more time and called back on XX/XX/XXXX and spoke to XXXX who lied to me and said they had n't even received my documents which I had been told they had. She would n't let me speak with a supervisor and I asked for corporates number and she gave me a bogus number. I called back immediately and spoke to XXXX who got me a supervisor to speak with named XXXX, at this point I am so FRUSTRATED, he was of no help except to say he would counsel XXXX. 
On XXXX XXXX I called back and spoke to XXXX and then XXXX a supervisor who told me he was typing in an IM and I would be verified that day, half the day went by and no call. I called back and spoke to XXXX, XXXX and then XXXX, XXXX was a supervisor in Fraud and extremely rude and I WAS NOT VERIFIED. 
I got tired of calling ( although there are MANY others I spoke with ) and now they are calling me because I got my lawyer involved, everyday they are saying something new, your license was n't dark enough so send another fax, the utility company would n't speak to us without you on the line ( I got them a letter ), I took care of every issue but they waited and waited to tell me things. I told them all my personal information had to be shredded when they were done with it. 
I must have talked with XXXX plus representatives and supervisors all of which harassed me like I have never known! 
XXXX was one of the last supervisors in Fraud I spoke to that told me after I spoke to XXXX-XXXX people in the same day that said I was verified finally after two+ weeks they would send an email confirmation with a XXXX balance that they " do n't do that ''! I got into a heated argument with her, she was off the chart rude and out of line, so I wrote a letter to my lawyer and faxed Citi a copy and low and behold the next day I got an email confirmation. BUT in it they state I will be responsible for any charges???? How is this possible if I NEVER received the card as I told them? I wrote to their ethics committee and their corporate office, have n't heard back from either? 
This company is bogus and handles client issues in a very strange and unethical way. I fear for my identity being stolen at this point. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Charges not actually made by the consumer Charges in the wrong amount. 
Charges for goods or services not received by the consumer Charges for goods not delivered as agreed Failures to properly reflect payments or credits to an account Calculation errors Charges that the consumer wants clarified or requests proof of Statements mailed to the wrong address Significantly not as described product/goods 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, I apologize as none of above options refer to me. I had never created any debt, and became victim of unreliable and incompetent costumer service. Here is my story. 
In XXXX I traveled I took frequent trips back home to XXXX due to attend to my mother after her accident. It seemed unreasonable to continue my cable plan with XXXX XXXX XXXX which services I was using since XXXX. I called them and spoke with the costumer representative. I explained my situation, requested for the cable to be canceled and continue my plan with only internet service. I was told it was fine and that my account would be updated. I left the country couple days later and spent almost a month with my mother in XXXX. Shortly after I returned I was surprised with XXXX bill, almost triple more then what I was told I would be paying for internet only. It was almost double of what I used to pay for both internet and cable, before I canceled cable. I called them to clarify. I was told that my rate increased because previous cable rate was a promotional offer which expired, and the regular rate kicked in. I explained that I canceled my cable plan before going away, but the representative could not find any record of it, requested my information and said someone will call me to sort it out. I got voicemail from some woman next day, but when I returned the call, I was placed on hold for a long time. when i finally reached someone, our conversation was disconnected. As I provided my contact info at the beginning, I assumed I will be called again. I got voicemail again next day. I Attempted to call back, but gave up after being placed on hold for almost 30 min. My issue was never resolved, my lease was also up and I decided to move to XXXX. I called again to cancel my entire plan as XXXX does not provide services in XXXX, NY. I switched to XXXX. I covered my last internet bill and returned XXXX equipment couple weeks later. That was in XXXX XXXX. I have not heard anything from them since then. I did not receive any mail from them, or any collection agents. In XXXX XXXX I noticed my credit score decreased significantly. I requested copy to find out why. I learned that collection procedures were now affecting my credit. I went ahead and requested dispute with XXXX, XXXX and XXXX, I explained everything just as I am now. Within 30 days all XXXX companies removed incorrect collection account. My credit went back up. I was convinced this nonsense was over. On XXXX XXXX I received alert from XXXX, my credit dropped XXXX points due to new collection account. It is different company this time " Enhanced Recovery Co, LLC '' -- the original creditor is of course XXXX. I disputed this again with XXXX since I have account with them and pay for it monthly. I do not want to spend another {$40.00} for reports with other companies. I already went thru all this back in XXXX. 

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