AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Bank of America willfully commit fraud by allowing their attorney XXXX XXXX XXXX XXXX, XXXX, with the XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX to issue an order to auction off property to satisfy a debt by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX, knew that XXXX XXXX XXXX does not own the property to be auctioned off by the XXXX County Clerk of Court, to continued the fraud. 

It is illegal to sell a third party 's property to pay off a debt by for someone else. 

Please find attached a copy of the filing # XXXX E-Filed XXXX/XXXX/XXXX by Bank of America to auction off property by XXXX XXXX XXXX. 

The Foreclosure judgement was against XXXX XXXX XXXX, as per the Notice of Auction Sale. There was NO Judgement against the " XXXX XXXX '' The " XXXX XXXX '' was never a party to the foreclosure action Please find attached a copy of the XXXX County Property Appraiser of XXXX, FL., confirming that the property is owned and deeded to the " XXXX XXXX '' The XXXX County Property Appraiser of XXXX XXXX confirms that on XXXX/XXXX/XXXX in Book/Page XXXX a QUITCLAIM deed was executed and transferring ownership to the " XXXX XXXX '' Please find the tax record by the XXXX County Tax Collector , XXXX , FL. , that the property is taxed under the name of the " XXXX XXXX,. XX/XX/XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Southwest Credit Systems on behalf of XXXX reported derogatory collection information to the XXXX major credit bureaus XXXX of 2015. I have not had a XXXX account in approximately 5 years and believe that my account was paid in full. On XXXX/XXXX/15, I sent Southwest Credit a certified letter requesting an explanation of the charges. To date I have not heard from them. In addition, I XXXX to dispute this collection. XXXX removed the information. After filing XXXX XXXX XXXX XXXX disputes with each of them, XXXX keep insisting that the information was verified. By verified, they mean that they asked Southwest Credit if it was mine and Southwest Credit said yes. They are refusing to remove the derogatory information from my report and Southwest Credit has failed to substantiate the information. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is in regards to my second mortgage account # XXXX, that I had with GreenTree. Green Tree sent me a letter stating that my loan was eligible for loan forgiveness and I was working with then to get a lien clearance on the loan. This Loan was transferred to ditech and they started harassing me with their letters. ditech should be working on forgiving my loan and issuing a title clearance on it. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: SunTrust has now processed XXXX checks from a business located in XXXX through my personal checking account in XXXX Florida. They were made aware of the situation in XXXX and did nothing to protect my account. It happened again in XXXX ( twice within a couple of days ). No one can say what happened as the source of the error. They supposedly put a block on my account for any checks greater than the # XXXX but that did not prevent the situation from happening a XXXX time last Saturday. Their comments have included well the other account number is similar to yours and we can not tell when or where this transaction took place. Someone was supposed to have called me yesterday with an update regarding the safety of my account and I received NO phone call with regards to the ongoing negligence of SunTrust. Since no one can pinpoint what the problem is or why it keeps happening clearly my money is not safe with SunTrust. I have been a customer with them for over 18 years and now this. There is no way checks from the same company should continue to be processed through my personal account. Luckily I do not live paycheck to paycheck as the amounts of the checks approximately {$880.00}, {$470.00}, {$650.00} and {$740.00} could have been a huge problem for me. This could have caused a huge burden for me financially and SunTrust has not interest in researching the issue to prevent this from ever happening again. Not to mention they charged me a stop payment fee for a check that was not mine that they processed through my account. Something very wrong is going on at SunTrust. 

Company response: Company chooses not to provide a public response
Consumer complaint: CashCall Loan This loan was taken in XXXX of 2013 for XXXX out of which XXXX was deposited to my bank account. This loan originated with XXXX XXXX which then immediately sold it to XXXX, and then it was sold to CashCall. To date, I have paid XXXX and have sent a complaint to XXXX as well. I have never missed a payment but can no longer afford their interest and I feel I have paid well over what I should have. I am asking that my account be closed and the account marked settled and paid in full.. They hide behind " Tribal Laws '' but infact are not tribal and they bandy the loan with several different companies. My agreement was with XXXX XXXX which was immediately sold to XXXX, then CashCall 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: RGS Financial of XXXX XXXX showed up on my XXXX credit bureau on XXXX XXXX, 2016 for {$120.00}. This caused my credit score to drop by XXXX points. I have never received a disclosure of debt from this business and they have done irreparable harm to my credit. I do not any clue as to what this amount of for as it was not properly disclosed of to me. I have live at the same address going on 3 years and it has been on my credit file for 2.5 years. This is in direct violation of Federal Statutes pertaining to collections. This needs to be deleted immediately from my credit file or a civil suit will follow for the fullest amount allowed by XXXX County, XXXX Court for irreparable harm to my credit file and failure to adequately disclose the debt prior to placing it on my credit file. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Wells Fargo placed a hold on my mobile deposit without notification. I deposited a check for {$600.00} via mobile deposit, and the email said it would be available on XXXX/XXXX/2016. Without ANY notice, they have now placed a hold, even though the {$600.00} check has already successfully cleared the other bank. Wells Fargo is committing fraud and causing an illegal overdraft. Not only are they holding a check that has already been paid, they placed a hold without notifying me in any way shape or form, most likely in an attempt to scam me for overdraft fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have continued to dispute this on my report for years. The company ca n't show me proof of a signature or delivery of any goods or any payments made. 

Company response: Company chooses not to provide a public response
Consumer complaint: After many attempts to have my home modified and treated fairly, it is my conclusion that based on facts such as my race, gender, age and XXXX Bank of America has denied me any and all assistant to maintain my home. I have provided all documents since this process started and all BANK OF AMERICA has provided to me been stressed, harassment and unfair practices dealing with mortgage assistant. 

I would like to file a discrimination charge against BANK OF AMERICA. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a merchant account with Wells Fargo. My account was closed and I was told the funds would have to sit in the account for six months before my money would be released. I waited six months and Wells Fargo is still holding my money, everytime I call they say I have to speak to someone name XXXX but he does n't return my calls. 

Company response: Company chooses not to provide a public response
Consumer complaint: While window shopping for a car deal, during my discussions with the car salesman and even the financial manager, I was specifically told that my credit report would not be pulled so that no hard inquiry would result. However, the very next day I checked my credit score and it had decreased because of XXXX hard inquiries by the car dealership. I never authorized them to pull my credit report. I have written a letter to the car dealership and have even placed a call to speak with XXXX of the financial managers. The financial manager with whom I spoke told me that he was going to investigate. It has been over a week and nothing has been resolved. The XXXX hard inquiries still show up on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of 2011 I was in foreclosure with Wells Fargo my mortgage holder. I paid {$9600.00} to bring my mortgage current. I continued to make payments ( even paid more ) and my mortgage was not taken out of foreclosure until XXXX of 2011. Since this time they have reported my account as two months delinquent. They admitted they also misapplied {$300.00} of my payment which also makes my payment short and not counted as a full payment. Wells Fargo did credit my account the {$300.00} but will not fix the extenuating issue of my loan being reported as delinquent and late fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: I took out an unsecured loan with Citibank back in 2008 and a year later, I was working part time and did n't have enough to pay each month. I called up Citibank and negotiated with them and they referred me to a department that put me on installment plans and it was paid off as agreed. I now received noticed from XXXX that that Citibank has resend this off to collection and once again destroyed my credit rating. This is not a valid collection and I would like CFPB to look into this. 

Company response: Company chooses not to provide a public response
Consumer complaint: Simply put, Wells Fargo sent me a letter on XXXX saying that my home loan adjustable interest rate is now 3.00 %, and starting XX/XX/XXXX my adjustable interest rate would remain 3.00 % for a year. On XX/XX/XXXX I received the exact same letter stating that starting XX/XX/XXXX my home loan adjustable interest rate is now 3.375 %. 
I relied on the XX/XX/XXXX letter and did not refinance. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have had mortgages with Bank of America for many years dating back to about XXXX. About 4 years ago we refinanced our mortgage on a 30 year ARM with a balance of {$140000.00}. Since the refinancing we have paid the balance down to about {$70000.00}. 
In XX/XX/XXXX we received a letter from the bank that they needed our most recent insurance policy naming the bank as an insured party. My insurance agent faxed the policy a requested on XX/XX/XXXX. On XX/XX/XXXX we received another letter indicating they had no record of the policy. I contacted BofA at the number provided and ultimately spoke with their representative XXXX XXXX. He acknowledged there was a miscue at the bank regarding our original fax, and provided a specific case number and direct fax line for my agent to use to send the policy. That same day, XXXX XXXX confirmed to my insurance agent that BofA had received the policy. 
On XX/XX/XXXX the bank made a premium payment of {$4500.00}, an amount more than XXXX times my regular homeowner 's insurance premium, with no explanation as to the rationale. The amount of coverage on the bank issued policy was XXXX times the mortgage balance and in excess of XXXX % of the full replacement cost of the property. The online record says the Bank 's records indicate they are responsible for paying premiums although, to my recollection, we never have had an escrow account with the bank. As a result of the payment there is a {$4500.00} deficiency in the escrow account. 
We learned of the payment by reviewing our on-line activity on XX/XX/XXXX, at which time we made phone contact with the bank. I requested to speak with supervisor and was directed to XXXX XXXX ( sp? ). After reviewing the record, she informed me she would speak with the proper authorities about reversal of the payment charged to the escrow account. She also committed to frequent contact with us concerning disposition. After no contacts from XXXX XXXX, We left phone messages on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting an update. We have received no responses to our phone messages. 
We therefore seek the assistance of the CFPB. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello. Thanks for your help! 

This is in regards to a full file disclosure from a speciality CRA, Contemporary Information Corp ( CIC ). 

This CRA has run numerous reports on me in the past- including- a dispute with this company back in XXXX XXXX were reporting an expunged record- in which they eventually corrected ( confirmed in a paid report run XX/XX/XXXX ). In XXXX XXXX, they ran another tenant screening report which reported a 'code XXXX Must call customer service for a manual search. ' My full file disclosure request included the below language : " I am writing to request a free annual full file disclosure ( FCRA 612 ( a ) ), including all information recorded and retained, regardless of how the information is stored, including sources for the information in the file, information about persons who have procured a consumer report, and a record of all inquiries, as mandated by the FCRA and enforced by the CFPB. Please include definitions for any coded information as also required by the FCRA. '' " While this letter of full file disclosure request and enclosed identification fully satisfies all requirements of the FCRA Regulation V, please inform me in writing if there are any issues with this request. Any noncompliance of the FCRA or FACTA will be documented and appropriate actions will be executed. '' The response of the full file disclosure was simply a clean consumer report ( attached ). 
There is : -no record of the report ran on XX/XX/XXXX ( attached ) -no record of the report ran on XX/XX/XXXX ( attached ) -no mention of the coded information on report from XX/XX/XXXX -no definitions of coded information -no record of the prior dispute -no source of information from previous dispute -no information about the persons who have procured a consumer report on me All supporting documents are attached and labeled. 

I am looking to receive a proper full file disclosure - EVERYTHING that this company has in my file - not just a clean consumer report ( CIC sent me a clean report in XXXX XXXX and somehow sent out the 'code XXXX ' report in XX/XX/XXXX ). 

In summary- CIC originally issued an inaccurate report, claimed it was fixed after a formal dispute, later issued a report with some sort of coded flag on it, and then issued me a clean report when I asked for a full file disclosure. 

These guys keep messing up my report and now are n't following proper protocol for a full file disclosure. Can I please get some assistance? Thanks! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Letter rcvd XXXX/XXXX/XXXX asserting I owe them {$170.00} for a speeding ticket in Iowa dated XXXX/XXXX/XXXX ; which is past the statute of limitations, is 25 % MORE than the alleged judgement, upon calling the debt collector they assert they are not debt collectors and also recorded my call despite repeated req to NOT record ... Insisted on verification of my birth date and social, despite having my caller ID and account already provided, and wanted to argue they werre not acting as debt collectors, despite the XXXX XXXX ATTORNEY stating they ARE ... The letter does not state they are a debt collector attempting to collect a debt, and instruct to only call THEM not Iowa court. The threat of additional action like " contempt of court proceedings '' and that " Bankruptcy does not discharge any court fines or fees due in CRIMINAL cases '' THIS IS NOT A CRIMINAL CASE ITS A SIMPLE SPEEDING TICKET WHICH I WAS NEVER GIVEN DUE PROCESS IN COURT nor ever notified by any entity. IOWA statute clearly states 20 years to collect, and that has expired. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received the first call on XXXX XXXX and the second call on XXXX XXXX. The phone number was XXXX. I have absolutely perfect credit and have never had uncollected debt. I did not talk to anyone. I listened to the message stating that the organization is called Capital Management Services and that they are a collection agency and have a debt that I need to take care of. I have no intention of calling them back. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: apply for XXXX loan {$90000.00} all paper submit their was and that appraisal by their peoples and it was appraise at the {$90000.00} so I through the loan was going thru but later it was denied because they did another appraisal it was a XXXX finance by XXXX the loan did not change so why another appraisal. 
file XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I originally submitted complaint : XXXX - the company ( Wells Fargo ) has never responded correctly and now many other issues are present. The latest letter they sent me is attached, as well as the statement that I requested. Here are the big issues remaining and now present : 1 ) I have never been 30 days late, so why is there a late fee on XXXX? 
2 ) What is the additional {$10.00} fee on XXXX? 
***I am requesting those fees be removed given the length of this issue and the fact that I have never been 30+ days late paying. 
Additionally, 3 ) My financing was for, I believe, 5.6 % - but from the statement, I can see that Wells Fargo has been charging me over {$100.00} in interest on many months, and then some months much less. This is not ok - and must be discussed ASAP. Explain why the monthly payments and the interest fluctuate when I have set financing. 
4 ) You refunded me {$43.00} for 5 months of backdated interest on the {$960.00} - what calculation do you use to reach this number? I would like proof of this. 
5 ) Finally, please explain why our payment is now higher, even though the principle is now drastically reduced by the credits we had processed from XXXX ( that you held for 5 months ). In the letter from Wells Fargo ( attached ) they said they " could not lower our payments '' - but that 's not what I was asking. If the principle goes down by close to {$1000.00}, then the math would make sense that the payments would also decrease - not increase. Explain ASAP. 

I am doing this in writing, through this oversight board, because I feel that Wells Fargo has taken extreme advantage of me during the duration of my loan with them - and the unresponsiveness and lack of customer concern is quite disturbing. Having this happen while my family faced homelessness and hunger, but finding a way to always make this payment before the 30 days - I deserve some kind of respect and response - and quickly. 

Company response: Company chooses not to provide a public response
Consumer complaint: Repeatedly called TransUnion to cancel my credit monitoring service with them ( {$17.00} monthly ). The first representative went on for 10 minutes about other products and became argumentative when I declined even the 'free continuation ' ( which XXXX **still** requires further cancellation later or it becomes a {$9.00} monthly charge ). I asked her to just process the cancellation, at which point she started rattling off facts about different products again. 

I eventually hung up and dialed again. The second representative hung up on me as soon as I mentioned cancellation. 

I eventually canceled online. This requires the following navigation : after logging in, click on 'frequently asked questions ' near the bottom of the page ; then go to the 'payment ' category, then 'How can I cancel my membership? ' This recommends calling, but also has a small link ( again, near the bottom ). After that, click to confirm three more times (! ). 

This process is ridiculous. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a Medicaid recipient who visited the hospital and provided proper insurance information, the hospital never submitted the bill to Medicaid and send me the bill instead. I contacted the hospital again and provided XXXX more time my insurance information however according to the Medicaid office they never submitted any bills on my behalf. Today I received a bill from a collection agency who is refusing to provide me with information regarding my bill and proof that the hospital submitted the bill to Medicaid. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Mortgage company lost my first payment, harasses me with debt collector calls from automated attendant. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had opened a cell phone account and all my information was stolen due to my purse getting stolen. I had found out that the cell phone bill had been accessed by someone pretending to be me. They had changed the address on the account and began making insurance claims on the account and also made a PIN so I was unable to access the account. I had filed a police report and went to a store to prove I was the real owner of the account. I had did everything I could as well as provided the name of the purse who stole my things and the creditor still went after me. I had disputed this information on my credit reports last year and everything was removed and then XX/XX/2015 the creditor had added it back onto my credit again. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We had Greentree for our second mortgage and they would call constantly about payments even after explaining our situatio due to an adjustable rate first mortgage. This continued to the point it was in default and we late included them in out Chapter XXXX plan in XXXX. I have read there was a settlement with green tre on XXXX XXXX XXXX and hopefully we can qualify for something from this settlement. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My credit score is below XXXX and there does not appear to be justification for the low score. the credit reporting reasons for the low score : " too many delinquencies, too many credit reporting requests, proportion of balances too high ''. these reasons do not appear valid : there are almost no delinquencies within 24 mo, there are very few credit reporting requests in past 12 mo and the balances for debt to income are 40 %. 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit score is below XXXX and there does not appear to be justification for the low score. the credit reporting reasons for the low score : " too many delinquencies, too many credit reporting requests, proportion of balances too high ''. these reasons do not appear valid : there are almost no delinquencies within XXXX mo, there are very few credit reporting requests in past 12 mo and the balances for debt to income are 40 %. 

Company response: Company chooses not to provide a public response