AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Wells Fargo Dealer Services provided financing for my brand new XXXX XXXX XXXX XXXX which I purchased at XXXX XXXX XXXX of XXXX in XXXX XXXX. Late in the year XXXX I was the victim of identity theft and with damaging information still on my credit at the time I was not able to get financing through XXXX XXXX XXXX as I was on my previous brand new XXXX XXXX. 

Having previously only worked with banks and finance companies such as XXXX XXXX I found the experience with Wells Fargo Dealer Services to be as surprising as it was unpleasant and predatory. For XXXX good starting example, the loan was originally written by WFS Financial which later became WFS Dealer Services which later became Wells Fargo Dealer Services and though the name changed the bad experience remained the same. 

Soon after purchasing my XXXX XXXX XXXX my professional and financial situation took a turn for the worse and within the XXXX XXXX payments I fell behind by XXXX month and very nearly lost the car to repossession. For the next XXXX ( nearly XXXX ) years and with much difficulty I managed to make the payments and ultimately pay off the loan in full ahead of term in XXXX XXXX. The loan was for XXXX years, the amount financed was approximately {$15000.00}, the total amount paid by me was approximately {$30000.00} and the interest rate was approximately XXXX percent annually. 

Over the course of the loan during my difficulties the named finance company increased my rates and payments and charged me for unneeded services such as auto insurance stating inaccurately that I did n't have any insurance on the car. They also stated that there were no provisions available to their customers who were having financial difficulty until the customer was able to show that their situation had improved. 

One thing I will give them credit for is being honest and upfront with me ( once I was a customer or victim ) about the predatory nature of how they did business. As a professional adult who has done hard business I do also realize that dealings are not always going to be necessarily pleasant ; however, my experience with this organization was so indescribably horrible that I am literally starting to shake as I type thinking about it and it ended nearly XXXX years ago. XXXX experience in particular in XXXX when I first fell behind was a phone conversation with a " XXXX XXXX '' who told me she would help by repossessing the car was the most unpleasant and unprofessional conversation of my life to date and I am XXXX years old. 

Early this year I paid cash for a used XXXX from an independent dealer and I may never use a large dealership such as XXXX XXXX or dealer financing ever again largely as the result of this experience. 

The summary of this complaint is that Wells Fargo Dealer Services, using a number of different names, demonstrated predatory practices in their handling of my auto financing such as excessive fees, interest and unneeded and overpriced services such as insurance all while providing a nightmarish customer or victim experience. 

Company response: Company chooses not to provide a public response
Consumer complaint: I signed up for Bank of America 's ( BoA ) free online checking XXXX years ago - {$0.00} fee checking account if I do not use the teller. Recently, without my consent, BoA automatically converted my account to a " Core '' account, which has a XXXX monthly maintenance fee associated with it. I only saw the change when I was reviewing my account statement, when the {$12.00} fee was automatically deducted from my balance. I was not aware of the change. BoA buried the change in one of their electronic notices, which they could not confirm that I received, much less read/understood. 

BoA 's policy preys on people who have low balance, and may not have the resources or understanding of their rights. If BoA no longer see that I 'm a profitable customer, it may be their right to cancel my account without my consent. But BoA does not have the right to charge me a fee without my consent and understanding. If banks are allow to do this, they can " bait and switch '' by signing customer up with attractive offer, and then change the policy without customer consent and knowledge to a high fee account. 

This case is different than low introductory APR credit cards in that, low introductory APR credit card disclose their rate hike after introductory period. In this case, BoA materially changed their policy without getting customer consent. BoA could have easily gotten the customer consent/understanding by displaying a simple message during an ATM transaction ( or other touchpoints ) and request customers to confirm understanding, or call their customers to notify. 

Company response: Company chooses not to provide a public response
Consumer complaint: Debt was to XXXX XXXX and we had paid the bill. This XXXX called and demanded that I pay them that XXXX did n't have my account now. Continued pressuring me. I asked for them to send a bill for conformation and she refused. I told her she needed to contact their client and she said that I had to prove I paid it. Very rude and disrespectful. I want all communication to cease and ALL derogatory info off my CR. I am seeking an attorney to file a law suite in TN for their unlawful collection attempt. Several of the laws have been broken for TN collection services. 

Company response: Company chooses not to provide a public response
Consumer complaint: A few months ago I signed up with Transunion for what was represented as service for credit monitoring and credit score tracking. It was promoted as costing {$1.00}. Subsequently I learned that there was a monthly charge of {$17.00}. I became aware of the charge in the last two months but it has been billed to my card for the last 5 months, according to TransUnion. On XXXX XXXX, 2015, I called and cancelled the service. When I was waiting to speak with a supervisor about getting a refund on charges billed, Transunion ended the call. 
I believe TransUnion is engaging in an unfair, deceptive, and possibly abusive practice. I do not recall seeing any disclosures about the monthly charge. I would not have signed up if I understood there were any charges besides the {$1.00} fee - even after a trial period. I am asking for the CFPB to help get my money back and to get Transunion to stop this practice. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received a letter form Oxford Law LLC that the stated original creditor has no record of. Complained on the state AG website. Next day I received a call from the company following up on the communication with the AG. The rep wanted to set up a payment plan for this debt I do not owe. Unsolicited he told me the last XXXX digits of my SS # and my former address. I have no knowledge of this debt nor does it appear on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX has a loan with Green Tree. XXXX XXXX had got behind due to some financial difficulties. XXXX XXXX called Green Tree and spoke to the lady over his account, # XXXX, XXXX XXXX XXXX XXXX had to call me on the phone XXXX way, meaning XXXX XXXX, XXXX and myself were all on the line at the same time but at different places, to verify him using my debit card. I told her that I did verify the transaction of {$3400.00}. XXXX XXXX XXXX ran the transaction and she said the it would not go through because my bank probably had a limit set. I asked XXXX XXXX if I could just give her my account information and do it as an ACH, XXXX XXXX then put XXXX XXXX and I on hold to ask her boss if she could do that. XXXX XXXX returned and said that her boss AGREED and I gave XXXX XXXX my information and she processed it. Green Tree took the {$3400.00} out of my checking account on XXXX/XXXX/2015. XXXX XXXX told us that all legal and late fees would be added to the end of the account and it was up to date. Next payment was due XXXX/XXXX/15. 
On XXXX/XXXX/15 XXXX XXXX called XXXX XXXX to get his account set up online so that XXXX XXXX could make payments online, and was told by XXXX XXXX that XXXX had bought out Green Tree and they was not excepting the agreement that was made and that the money would be put back into the account that it was taking out of, XXXX XXXX stated that it was start Tuesday XXXX/XXXX/15?!?! XXXX XXXX also stated that she was no longer over the account and could not help XXXX XXXX. As of today XXXX/XXXX/15 my money still has not been put back into my account. Not only was an agreement made and money already accepted, when XXXX XXXX and I call about the account and money, XXXX XXXX and I are put on hold and transferred to others representatives that can not tell us where the money is. I, myself, called today XXXX/XXXX/15 to XXXX Ext. XXXX and spoke to a XXXX. XXXX XXXX verified account number, phone number and asked who he was speaking with and I told him that I was not on the account but I had XXXX XXXX hear beside me. First thing he said is the account is {$3400.00} behind how would you like to handle this. My response was that I had already paid that and it was being returned. Then after I tell XXXX XXXX what is going on he then tells me oh I see and yes now with XXXX they do require legal and late fees up front. Why was that not told in the total then? XXXX XXXX was told that {$4500.00} is due by XXXX/XXXX/15 or they are taking his home back. I want my money put back in my account ASAP and not every will I ever do business with XXXX. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I am trying to find out what became of a bank account my brother had left for me upon the time of his death. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am current and up to date on all of my medical payments. I have health insurance so I often only pay a copay. I have no recollection of ever incurring this charge to my record. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: This matter was previously filed under case number : XXXXThe merchant agreed to withdraw the disputed charges, but hasapparently reinstated these charges and has not closed theaccount as we had requested. 
Attached is their most current billing. 
We have not used this card since the complaint was made. 

Company response: Company chooses not to provide a public response
Consumer complaint: Behind on mortgage with Greentree, made a XXXX $ payment in XXXX 2015 to make account current however my account info reflects that a payment of {$41000.00} and Greentree continues to add other fees to my statements saying that we still owe ie : legal fees. Have followed their reguirements or steps ( all inguiries have to be made in writing, we speak to customer serv and supervisers, managers and we are told to send all inguires or requests for account info in writing. Our account is to this day not accurate. Payment of {$43000.00} made with cashiers check, have the reciept for proof and Greentree continues to refuse to help with this matter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: someone has been using my identity ssn since 2011 til present and there has been XXXX or more inquiries on my credit was hit hard and also XXXX school I do n't owe anything to them I would like that removed cause its showing that I owe when I dont owe XXXX any money its zero I would like the all the inquiries since 2011 off my records immediatelyXXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: When I purchased a car from a dealer they told me I had to purchase extended warranty and XXXX insurance or the deal was off. What can I do to get compensated. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was issued a Credit Card from Bank of America in 2013. I have been making payments each month. I hardly make purchases on this card, due to I only wanted it for emergency reasons. I made a purchase the other day. and it was declined. I called the Credit Card Compnay, and was told my account was closed. I never received a noticed of this closesure, and they proceeded to tell me a noticed was sent out. As I looked over notices that I did not know were available on my online account. All noticed were statements, and not one indicated they were closing my account. I am really upset with this company, I have banked with them for many years, and this is how they treat me as a long time customer. 

Company response: Company chooses not to provide a public response
Consumer complaint: First National Collections purchased this loan from XXXX. I informed them that someone opened this account at a address which does not belong to me or never resided at and advised them to validate and verify. First National Collections has also harassed me repeatedly outside of FDCPA guidelines via phone and I received calls from blocked # 's from their reps advising that my account was " in their office and I am going to be sued ''. The lack of professionalism and ethics was incredible. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I asked for a full disclosure from America Servicing Company and they have not answered. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had the mortgage co make a big mistake on my mortgage so they sent a letter out to all agencies to remove any negative marks for XX/XX/XXXX and XX/XX/XXXX as is shows on both XXXX and trans union! This went out in several months ago and i requested a new one today so i am attaching both my letter and a copy to show the lates they are reporting in error! 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX County Ford Dealership faked my signature on a credit application for a {$3500.00} cash advance from Ford Credit Services. I discovered this issue once I received the payment booklet for the XXXX/Ford Credit Services in the mail. I am XXXX years old and was taken advantage of by Ford Credit Services in this transaction. 
I did dispute this loan with Ford Credit Services and was told by them that they did not have RESEARCH whether fraud was committed against me that they instead dismissed my Consumer Credit Loan Dispute without any investigation, since they received a letter from the Ford Dealership that I did agree to the loan with them even though their was no evidence presented by the dealership to Ford Motor Credit that I did apply for this loan. 
I believe Ford Motor Credit Services should be fined by the XXXX Government for not upholding my legal rights under Regulation Z of the fair credit act, since they directly told me they did n't investigate any fraud activity and simply agreed with the Ford Dealership. 

I want Ford Credit Services to investigate my fraud claim and if found that fraud was discovered have my Ford Motor Credit Services / XXXX loan closed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had XXXX ( XXXX ) Collections that were placed with Fredrick J Hanna and Associates in XXXX. XXXX XXXX {$500.00} credit limit ( now show that I owe over {$1500.00} ). How can the payoff be more than the credit limit on the card when there was a {$300.00} credit balance left on the card. I called Frederick J Hanna 's office to settle the acct. for the original credit card balance and was told by a XXXX XXXX representative that they would not except the payment2. XXXX Credit card {$1500.00} credit limit ( same thing happened as with the XXXX XXXX. There was an XXXX representative at Frederick J Hanna that said they would not except the {$800.00} that I offered. After making several attempts to pay the collections I then pull my credit report to find that XXXX was sold to another collection agency named XXXX XXXX and they are now and has been reporting me late every month since XXXX Who are these people and how is it that the account was sold while being handled by an attorney? 
This now appears XXXX on my credit report, which is affecting my overall score. 

I am really at a lose and do n't know what I should do from here. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I kept getting a error at the end, telling me the " tell me more '' page had a error. That was my last and final error before reading that I was unable to get my report and had tried the maximum number of tries. I also got XXXX captha ( sp? ) wrong but this could not have been because I double checked each time and what I had typed in was exact to what was presented. I would just like to get my report without having to mail in for it. 

My husband is unable to get his online too. 

Company response: Company chooses not to provide a public response
Consumer complaint: I bought my property with an XXXX loan. My first loan was succesfully modified making my payment much more affordable. I applied for a loan modification on my XXXX mortgage in several ocassions but it was never approved. This loan was serviced by XXXX XXXX XXXX, and In XXXX of 2015 I received a 1099-C tax form canceling such debt. I properly reported this cancellation of debt in my 2015 Tax return. A few months later I was contacted by Green Tree Servicing LLC, informing they just took over the servgicing of such loan. I was advised by a Housing Counselor to report the incidents since this can be related to a phantom debt scam. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Prospect Mortgage, XXXX, SC XXXXXXXXis placing a mortgage on XXXX, SC declaring " there is no litigation '' related to the property, when indeed litigation has initiated with : XXXX, South Carolina, XXXX XXXX ( XXXX ) XXXXXXXXThis attorney is a class action firm and their last similar but smaller litigation for the same type of " structural defects '' was {$200.00} XXXX. 
Prospect mortgage hopes to place this mortgage denying that any litigation exists, " before the litigation is registered in the land records ''. 
My complaint is this is UNETHICAL at best and perhaps worse. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Someone tried to get a loan using my personal information from " XXXX '' on XXXX XXXX, 2015. That inquiry was fielded by Esperion and it is impossible to get the XXXX digit number to dispute the inquiry. There was also an inquiry in XXXX from XXXX XXXX with someone trying to open a BUSINESS in my name. I will be able to have that inquiry withdrawn by writing a letter. However, the XXXX XXXX people have been unhelpful and these will adversely affect my chances of obtaining any kind of decent credit rating in the foreseeable future. 

Company response: Company chooses not to provide a public response
Consumer complaint: We purchased our home in XXXX. In XXXX my husband, who is the mortgage holder, became permanently XXXX. We began having difficulty making our mortgage payments and since then we have exhausted all of our funds i.e. IRA 's, Stocks etc. in order to make our mortgage payments but unfortunately the last mortgage payment we were able to make after exhausting all of our funds was in XXXX XXXX. Since then Wells Fargo has begun foreclosure proceedings. We have had our first foreclosure conference so far and the XXXX conference is scheduled for XXXX XXXX, XXXX. During the XXXX conference, the referee told us that we had to apply for a loan modification but in order to be approved we had to increase our income. I explained to her that I am seeking employment but that right now our only source of income is my husband 's social security XXXX income I also informed her that we can access my husband 's pension early if we choose to and that in XXXX XXXX, I can retire at age XXXX. The referee said that we should include in the modification request, proof of how much additional income we will be getting with my husband 's pension and with my social security, which we did. A Wells Fargo representative called today stating that our modification request was denied because a ) our investor does not participate in HAMP. When we first got our mortgage, it was a XXXX XXXX mortgage ( who does participate in HAMP ) but I was told that it has since been sold and the investor now is XXXX ( XXXX, who does not participate in HAMP, ) and B ) our income is too low. I asked how it was determined and I explained again about the pension and retirement income but he said that those amounts could not be taken into consideration because we are not yet receiving that income. I would also like to add that we do not have major credit card debit, we do not have an auto loan ( our car is 8 years old, ) and the only reason we are in this position is because my husband became ill. He is an end XXXX. He is XXXX. He is currently in a XXXX and will be coming home hopefully within the next month after having been in XXXX on and off for almost a year. We do not want to lose our home that we worked so hard for and we are respectfully asking if there are any other options for us. We have not yet received a formal denial letter for a loan modification. A Wells Fargo representative called me today by telephone to alert me of the denial. 

Company response: Company chooses not to provide a public response
Consumer complaint: Thy stated that I wrote a bad check and that I was going to have fraud charges against me 

Company response: Company chooses not to provide a public response
Consumer complaint: I refinanced my original mortgage once XXXX to get a lower interest rate, in that process XXXX loan separated a portion of the primary mortgage into a second mortgage, so instead of a 1st mortgage of {$110000.00}, I had a 1st mortgage of {$96000.00} and a second for {$18000.00}, the increase in amounts went towards paying the " closing '' fees of the refinance. 

When the housing crisis occurred, I was informed by my mortgage lender to cease making payments in order to qualify for home modification loan, since our house lost so much of its value. Unfortunately, that did n't happen ( was refused modification ) and I was left out to dry by HAMP, and ended up losing my home which was eventually foreclosed on in XXXX 2013 for {$88000.00} less than the entire mortgage of {$110000.00}. Since XXXX XXXX did n't inform me that I would lose the non-recourse status once they separated the XXXX loans, I learned during the foreclosure that I owed {$18000.00} on the second mortgage for a house I no longer own, and that just sold for {$24000.00}. 

I had to move out, find a new place to live, which was across the country, and had to struggle to regain lost wealth, etc ... Well my secondary mortgage from XXXX for {$18000.00} ended up being purchased by XXXX XXXX XXXX during the bailouts, and eventually ended up with the debt collection company Green Tree/XXXX 

I have offered to pay 10 % to settle, seeing everyone took a haircut due to the Housing Crash that I had zero to do with, and was instructed by my primary mortgage lender to stop making payments to qualify for HAMP, which landed me in eventual foreclosure. XXXX refuses to accept anything less than 50 % over the phone, I am just trying to settle for a reasonable amount of 20 % of the total due, which is {$18000.00}, in a XXXX lump sum payment. XXXX refuses and are unreasonable to not incorporate the facts of the situation when arriving at a solution on this debt. This refusal is costing me money in a lower credit score, and at second chance at being a homeowner once more - I am just trying to move on with my life. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: THE BUREAU TRANSUNION. WILL NOT PROVIDE A REPORT THE DOCUMENTS HAVE BEEN SENT 2-3TIMES THEY REFUSE TO SEND A REPORT.THAT VERIFY IDENITY 

Company response: Company chooses not to provide a public response