AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: In XXXX XXXX my wife and I applied through the Michigan Hardest Hit for assistance with our mortgage due to a reduction in income and layoffs and XXXX XXXX the Michigan Step Forward program approved us for a pay down off {$24000.00} on our principle mortgage balance. At the same time we applied with Select Portfolio Services our mortgage company to refinance the balance of our mortgage to reduce the rate and payment. We sent all our current tax returns, paystubs, bank statements, paid property taxes, proof of insurance and a written letter from my wife 's employer and was told bu Select Portfolio they would not accept the pay stubs and letter because they were hand written, we were also told that they would not accept my wife 's XXXX as verification of employment. My wife has worked for the same company for over 6 years and has kept her stubs until she receives her XXXX and we file our taxes. All we want to do is refinance our mortgage to lower the rate and payments. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: After purchasing a loan from Wells Fargo, my initial payment to the bank was made on XX/XX/XXXX. On XX/XX/XXXX I was informed that my payment for XX/XX/XXXX was past due. Online records from Wells Fargo 's own website indicate the payment was made and applied to the loan on XX/XX/XXXX. On XX/XX/XXXX there was a payment reversal made for the same amount of the original payment. The loan was reset to the original amount on XXXX/XXXX/16. On XXXX/XXXX/16 there was another reversal in the amount of {$4.00} and the outstanding balance was reduced by the original payment amount. On XXXX/XXXX/16 another reversal was made and the loan amount went back to the original balance prior to any payments being made by me. On XXXX XXXX I was informed the account was past due. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Select Portfolio Servicing is a debt collection company who has been harassing me daily. I sent them a debt validation letter and they never respond with the proper paperwork. In the mean time they continue to call my phone, left notes at my door. They are trying to foreclosure on me and I do n't know who this company. According to the FDCPA they are using deceptive practices to steal my home and also I did n't give them consent to contact me nor did they have express permission from a judge or court order saying that they can contact me. 
I know my rights are being violated. I am tired of living in fair and this is affecting my entire family. 
I am currently overwhelm by this company actions, I am suffering from XXXX, XXXX, XXXX and many more issues. 
See attached some correspondences from the company. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/XXXX I lost my debit card and drivers license. A week later I noticed activity on my account. I went to my bank and they filed a claim for me, cancelled my debit card and ordered me a new XXXX. On XXXX/XXXX/XXXX, I received XXXX letters stating that they had completed their investigation and the charges were valid. I called customer service and what an ordeal that was!! I was transferred around and back and forth to different departments for over 2 hours. Not XXXX rep knew what they were doing or where to send me. Finally I spoke to a manager and her said he would help me resolve this. Apparently, someone deposited fake checks totaling {$1800.00} from XXXX XXXX bank into my account. In the time that it took them to find out they were fake there were several withdrawls made, a purchase and even a fake check from my account that was cashed at an ATM that has a live teller on a screen that processes transactions. I did n't even know they had those. All of these transactions were done in XXXX. I live in XXXX and have not been XXXX. After explaining this numerous times the manager, XXXX said he would file the claims for me and get this investigated. I called today, ( XXXX/XXXX/XXXX ) to check the status and I called the phone number XXXX had given me to use. The rep told me he did n't have any claims on file. He sent me to a different department and that rep told me that my claims had been resolved and I would receive a letter in the mail. I asked her what they said and she stated that the charges were valid and the investigation was closed!! Not only has my account been compromised, I ca n't access my direct deposit from my employer because it 's gone, but there are people out there that are creating fraudulent checks and cashing them, using a debit card that they did not have a PIN to that also has a chip, and the are creating checks from my account and cashing them! Bank of America did not care that this was happening. This is the reason consumers end up paying high fees for bank services but not XXXX of Bank of Americas employees knew what to do or took it seriously. Looking at my account you can clearly see what happened if anyone took the time to look at it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I attended XXXX University. I after my financial aid, i took out private loans to cover the remaining balance. The current loan amount is no where near the amount had taken out originally. Coming out of high school, the ramification of private loan and interest rates was never explained to me. The lowest interest rate at the time offered was Wells Fargo, so chose Wells Fargo as my lender. I was never given an example at any time what my expected repayment amount would be. I took out XXXX loans and all were treated separately. currently i am expected to repay {$950.00} dollars a month. this is almost XXXX percent of my monthly income. Wells Fargo acknowledged this is more than i can afford. Wells Fargo refused with work with me, even though i try my best to ensure my account is current. Their reason is, i have a co-signer. I explained that my co-signer helps with other aspects of my like financially to ensure i can stay current on my student loans. All i asked for was work with my on some type of repayment package, instead of paying XXXX % of my monthly income to just wells fargo. 

Company response: Company chooses not to provide a public response
Consumer complaint: It has taken 9 months ( and counting ) to resolve a simple fraudulent charge dispute, which is not an acceptable business practice from my perspective. 

Upon discovering a fraudulent charge on my credit card ending in XXXX on XXXX XXXX, 2015 in the amount of {$350.00}, I submitted a dispute ( case XXXX ) and replaced my card. 

Although I was told that the disputes and security departments would follow up, I did not hear back from Barclaycard and had to call back on XXXX XXXX, 2015, I spoke with a phone agent ( XXXX or XXXX ), who informed me that my account ending in XXXX would be credited within XXXX hours. 

I have neither received a credit, nor have I used my Barclay credit cards until this dispute is fully resolved. 

I am looking for immediate resolution of this issue and disbursement of {$350.00} plus interest accrued during the 9 months of this dispute. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear Sir/Madam I am at my wits end and I 'm in desperate need of your help. 
I have tried very hard for more than 3 years to get loan modification from Select Portfolio Servicing , Inc . I have been denied all of these times because of : my income was low or I do not have enough assets to support repayment plan. I have even offered them a substantial amount of money for down payment to help a modification along. I have been to court conferences in NY and worked with HUD-approved foreclosure prevention counselor for more than 3 years. I have submitted completed XXXX applications along with supporting documents at least 8 times so far. Many times the assigned relationship manager, which kept changing, would not call for months. 

I lost all my business due to hurricane XXXX in XXXX and XXXX XXXX, NY was declared a disaster zone by the Federal Government. Property values dropped drastically. There was loss of rental income. My mother and father passed away. At the advice of my housing counselor, I rented some rooms to boarders and had my son move in with me and contribute to show the bank more income. They denied the application this time for too much income. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Citi Bank, the issuer of my XXXX credit card, put me on an automatic draft that I did not know about. I made payments not knowing which then took double payments out of my account. I was promised that the money would be put back into my checking account today XXXX/XXXX/16 and the money is not there. I have been given the run around all day about who can and can not help me with this issue and was treated quiet rudely by XXXX separate employees, including XXXX XXXX XXXX in TN. 

Company response: Company chooses not to provide a public response
Consumer complaint: I deposited cash into an ATM at Wells Fargo XXXX on Saturday XXXX XXXX. The ATM took the cash, did not credit my account and also took my ATM card. When I went inside the branch the manager, XXXX XXXX, told me that my cash deposit would be credited to my account within 2-4 hours. He suggested that if I need to buy groceries before my account is credited then to go ahead and write a check to the grocery store and the store wo n't cash it for 5 days or so. The bank rules say cash deposits are not credited until the next business day ... ... it is the next business day and I still do n't have my money available for use. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, XXXX I mailed to Wells Fargo a Error Resolution Notice under 12 C.F.R. 1024.35. I received verbal acknowledgement from Wells Fargo that errors have been made on my account. I was advised by Wells Fargo that I would receive written confirmation of the errors including that the errors have been corrected. I have not received written confirmation. On XXXX XXXX, XXXX I mailed Wells Fargo a request for a complete account history of my mortgage. As of XXXX XXXX, XXXX Wells Fargo has failed to provide the information I requested. On XXXX XXXX, XXXX I mailed Wells Fargo an additional letter. I advised Wells Fargo that I have not received an acknowledgement of the errors made on my account concerning the Error Resolution Notice. As well as advising that I have not received the information I requested on XXXX XXXX, XXXX. As of XXXX XXXX, XXXX I have not received from Wells Fargo a letter acknowledging errors made on my account ; if the errors have been corrected ; nor have I received a history of my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: My name is XXXX XXXX, i requested Loan modification, to my mortgage leader, and they denial, I also requested short sale, and they have been playing game, asking documents offer and offer again. Now I really need help. My Phone number is XXXX. Or my husband number XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Creditors are showing things that I have not authorized 

Company response: Company chooses not to provide a public response
Consumer complaint: I was issued a credit due to me by XXXX the refund was sent to a closed Sears cc account. Instead of returning the funds to the issuing company so that they could send me a check, Sears CC sent the funds to a collection agency that they had sold the discharged debt to, XXXX. The debt sold to XXXX was discharged in a bankruptcy in XXXX of XXXX. The issuer of funds and I were shocked. We got the run around for a while. Several calls into the hunt, we were able to find that a collection agency company called XXXX has the money. They stated in XXXX way call to myself and XXXX at XXXX that they were able to keep bankruptcy discharged money because I volunteered to give it to them and they did n't ask for it. I explained that I never sent it to them and it was not ok with me. I asked who the other companies were that I was routed through in tracking down the money and got the following run down. 
Sears sold the debt to XXXX, who is managed by XXXX XXXX and that they are all under the umbrella of XXXX XXXX. The debt was skid on XXXX/XXXX/XXXX. I did n't really know what all that meant so I am including Sears and all of other company 's names included as I am not sure which ones are considered collection agencies! Sears sold the debt to the collection agency the same month it was discharged, well after they were notified of the bankruptcy. I am including a copy proof of the discharge and the Sears account numbers and balances that they collected in XXXX of XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I learned about the bankruptcy on my record last year, and since that time I am trying to clear it as I never filed for any bankruptcy. I disputed it several times and I am not agree with results. Please help me to clear it, I never went to court, I never filed for bankruptcy for {$0.00} dollar amount, I had no idea about it. I never got any paperwork from the court. 

Company response: Company chooses not to provide a public response
Consumer complaint: 1 ) I sent this email to my bank : Greetings, I am a customer, and I tried to look up info on Union Bank 's exposure to pressure from oil and gas markets. I 'd like to get a clear picture of how much debt Union Bank carries in that sector. Can you please point me in the right direction? Thank you. 

2 ) I received this response : Dear XXXX XXXX, Thank you for your recent e-mail. Please see the link below. 
XXXX We appreciate the opportunity to assist you. If we can be of further assistance, please send a new message from your Secure Messaging Center. 
Thank you for banking with Union Bank. 
Sincerely, XXXX XXXX. 
Retail Customer Service 3 ) I responded : Thanks for the response, XXXX. But what I was looking for was the amount of of outstanding loans the bank has in the oil/gas sector, not its investments. Where do I find that info? 
Thanks, XXXX XXXX 4 ) They responded : Dear XXXX XXXX, Thank you for your recent e-mail. We do apologize, that is all the information we are able to locate at this time. 
We appreciate the opportunity to assist you. If we can be of further assistance, please send a new message from your Secure Messaging Center. 
Thank you for banking with Union Bank. 
Sincerely, XXXX XXXX. 
Retail Customer Service 5 ) I sent another email higher up the food chain : Greetings. I recently asked a question about amount of of outstanding loans Union BankXXXX bank has in the oil/gas sector and received back a link with information about the bank 's portfolio. Following up, I received this email : " Thank you for your recent e-mail. We do apologize, that is all the information we are able to locate at this time. '' Surely someone somewhere is keeping track of the information I am requesting. As a customer, I am entitled to this information. Please provide it or refer me to someone who can. 
Thank you. 
XXXX XXXX 6 ) I received this response : Dear XXXX XXXX : Thank you for your recent email. Below is a link to XXXX Union Bank financial highlights XXXX Unfortunately, the information you are requesting is not public information and we are unable to share the details due to the privacy law. 
If we can be of further assistance, please send a new message from our Secure Messaging Center, or call Online Banking at XXXX XXXX XXXX XXXX. Online Banking agents are available to assist you Monday thru Friday from XXXX to XXXX XXXX XXXX XXXX XXXX, and Saturdays from XXXX to XXXX XXXX XXXX XXXX ). 
Thank you for the opportunity to assist you. 
Sincerely, Customer Care 7 ) QUESTION FOR YOU : Am I not entitled to know how my bank uses ( lends or invests ) the money I deposit? Oil and gas is taking a huge hit right now and I want to know how my bank is exposed to losses. Is that not my right, especially after the mortgage fiasco? 

Thank you for any guidance you can offer. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a line of credit from Bank of America in XXXX they originally solicited me for the loan due to increased equity. Without inspecting, they appraised my home at {$310000.00}. Would have been {$180000.00} only months before. I took the line of credit, intending to finish my remodel, pay off existing debt, and have a financial cushion. Planned to sell the home in XXXX when my son graduated. Real estate bubble burst, I was stuck. Continued to pay interest only, never missed a payment. In XXXX XXXX, contacted by bank, reminded that line of credit becomes conventional loan in XXXX. I said I needed to have help, did not want loan to be more than actual value of house. Directed to a mortgage relief department at bank. Absolutely terrible customer service, numerous times told that they had not received documents that I had sent. Knew that was not correct, because then they would give me info that I had supplied. Finally got a good case manager in XXXX XXXX, learned that the program I was referred to did not address principal reduction, even though that is what I requested. Also learned about the Bank of America Department of Justice settlement, something bank was doing while I was going through wrong process. I have since learned that this pattern of dragging feet and claiming missed payments has been documented at Bank of America. I do not know why I was not included in DOJ settlement. I did receive a notice from Bank of America in XXXX of XXXX congratulating me that the value of my house had increased. The value they gave me was inflated and I am guessing they used that to not include me in the settlement. Even with their inflated appraisal, combined mortgages were greater than appraised value. Key issues : told bank of America in XXXX of XXXX that I needed principal reduction. Was not informed of DOJ settlement, and instead sent into a process that would not help. In that process, experienced Bank of America 's documented malfeasance toward addressing my need. Not until XXXX of XXXX did I get a hint about DOJ settlement, still had to do all research myself. I believe that I should have been included in the settlement. This loan began as line of credit, becomes conventional loan in XXXX XXXX. Payment increases by {$1000.00}. My current income is {$3000.00} per month. Additional info : my daughter and her family now live in the house as I am working out of state. She helps with costs, but no rental agreement. My intention is to return to house in retirement. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX I purchased a vehicle with XXXX XXXX XXXX and made my payments on time and paid out the account in XXXX. XXXX XXXX XXXX reported everything to Experian and it helped my credit score a great deal. Recently I checked my credit report again and noticed my score had dropped and that, that account was no longer on my report. Experian is claiming that while XXXX XXXX XXXX did everything they were supposed to, because the company that reported to them is no longer in business they have deleted all of the information submitted by them. Experian now has a fraudulent credit score for me because they have manipulated it by deleted an account on my report that was in good standing and they refuse to do anything about it. 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2005 my husband and I opened a safety deposit box account with a Bank of America in XXXX XXXX, VA. We were in the process of XXXX our XXXX baby and caring for my mother in-law who, at the time, was XXXX. A few months after we adopted our daughter I entered into the same Bank of America branch, with my XXXX baby girl, and spoke face to face with a manager on duty and requested closing the safety deposit box account. She agreed and said she 'd take care of it. I trusted what she relayed and did nothing else. We later closed all BoA bank accounts. 
Many years have passed since that time and I learned this account was never closed, the bank billed us on their end for the safety security deposit account but never did we receive anything in the mail except notification from a collation agency in an amount excess if {$870.00}. Since adopting our daughter I 've been sick, working on and off, then I lost all income from the recession as I was a XXXX. 
Today I am healthy, XXXX and I can not qualify for the smallest XXXX loan due to old, out dated ( XXXX ) debt. 

Is there any way someone from your division can assist me in removing this derogatory statement from all XXXX credit bureaus? Your assistance in this matter is beyond appreciated and further needed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied to wells Fargo located in XXXX CA and they declined my loan for missing docs When they did n't even sent me a letter stating that I was missing docs. 
They did n't send me a welcome letter within the 3 days that the law permits they told me to provide them documents only to ask for more and to reject the ones that I submitted. they had me re-apply a second time ' so that I would meet some TRID guideline that they violated. This is the worst bank ever. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Also use my brother to threaten me if i do n't make a payment even as I told him that I am currently unemployed. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I was offered a job with an affiliate company and my credit was run. On the report there were XXXX cases in the XXXX court where I live with a name that is similar to mine, case numbers XXXX and XXXX for " XXXX XXXX '' that appear to be credit charge offs. Both are not associated with my Social Security. Hireright reported this event as being my cases, with out any disclaimer that they only searched the first and last name and did n't verify that is was not for me. I am in the cusp of not getting an offer now and have lost credibility and standing in my role as Head Of Compliance. I also have not been given a copy of the report that has adverse information on me, which makes it difficult to correct. I called the company who is suing the person with a similar name and was n't given information, and refuses to write a letter to me because the SS is different. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a XXXX customer for almost 2 years now and they are not reporting my payments as required. My report on Experian is displaying ND which means no data. 
I am requesting that they update my Experian report to show OK on my report. 

Company response: Company chooses not to provide a public response