AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have been denied access to making payments online for my Wells Fargo HomeEquity line. I have been attempting access since XXXX XXXX. Was told that myaccount shows a previous Bankruptcy filing so I will never have online access. MyChapter XXXX Payment Plan Bankruptcy filing was discharged in XXXX XXXX ( sevenmonths ago ). The Chapter XXXX was filed in XXXX. This account has been paid asit should for the last 5 years and was not a part of the Chapter XXXX payment plan. 
I have attempted numerous times to request online access. In addition, my XXXXmortgage is with Wells Fargo and I have always had online access. I cannotunderstand why there would be XXXX separate processes within the same company. 
In addition, it is a hardship for me to have to call and wait " on hold '' time and timeagain each month to make a payment " over the phone '' when I could just as easilymake a payment in a couple of seconds online. I find this is an unfair practiceespecially since I met all the requirements under my Chapter XXXX Payment Planand paid this account every month. Based on the current Wells Fargo HomeEquity policy, I am forever penalized/banned from having online access to make asimple online payment because I filed Chapter XXXX. ( Even though I met all thefinancial payments on this account which, by the way, was not handled under theChapter XXXX Plan ). In addition, in my attempts to get online access, I was givenvarious responses on how to get access and I complied with each process that Iwas given. Here are my notes:XX/XX/XXXX Spoke with online services regarding getting online access. They sent me back to regular customer service. Was told that account should be viewable in 3 days. 
XXXX/XXXX/XXXX - Spoke with XXXX was told that I was unable to see account because itis still listed as being in Bankruptcy. Need to find out when this designation will beremoved. Spoke with XXXX ( XXXX ) in the Bankruptcy Dept. She submitted arequest to review the account for a status update so the Bankruptcy flag can beremoved. Requested that the loan be removed from Bankruptcy in order for online access. Requested that I check back by Monday of next week. She also notedthat they have the Discharge information ( Discharged XXXX XXXX, XXXX ) XXXX/XXXX/XXXX - Called, Request Denied ; not released. Per representative, request has to complete the audit and reconciliation process. Suggested I keep checking back. 
XXXX/XXXX/XXXX - Spoke with Customer Service Rep. With regard to online access, told tofax written request to XXXX - Faxed over request to be granted online access. XXXX/XXXX/XXXX - XXXX. 
Fax Result : OKXXXX/XXXX/XXXX - Called and spoke with Representative, she currently can not see the faxon their system - told that it takes 4 days to process the fax. Told to call back onXXXX/XXXX/XXXX. Informed rep that I find this process unacceptable and that I would becontacting the State of Maryland 's Attorney General 's Office because of thetreatment provided to a consumer in the State of Maryland. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased XXXX XXXX gift cards of $ XXXX/each, totaling {$16000.00} for various business purposes earlier this year. Unfortunately through either a data breach or a card sequencing scam many of these card numbers were stolen and there was fraudulent activity on the cards. I am still out {$2000.00} in card value ( at XXXX point was {$4000.00} XXXX from the related fraud and the U.S. bank group, nor the group service the fraud complaints are resolving these issues in a timely fashion. I have provided them with all the requested data, and I think it is clear that this was all caused by an issue on their end and is not my responsiblity to resolve. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX, as Trustee ( successor to XXXX XXXX ) failed to abide by Consent Judgment entered in XXXX. XXXX. See attached Complaint. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX has an FHA loan and submitted a completed package at the end of XX/XX/2015 He works for XXXX and on his paychecks that were submitted, it is noted that he received BONUS income called XXXX, a retention bonus offered by XXXX. It is offered XXXX a year but is not something that any employee can BANK ON. It is listed on his year to date income and on his taxes that were submitted XXXX Two years worth ). We have asked and answered this question verbally XXXX TIMES and sent in a signed and dated letter on XXXX XXXX. Bank of America keeps stating that this information has been submitted to the underwriter the day before but everyday I call ... .they say the same thing. We have been lied to time and time again or sent to a manager who is out of the office until XXXX XXXX. It is amazing to me how Bank of America can lie and lie on the phone and say they do n't have information that has been provided to them over and over and over again on an FHA loan. I have contacted the FHA resource center and they too do not respond. What is a homeowner to do when no one keeps these loan servicers in check. When a month goes by without a loan servicer processing a loan modification, the file goes stale and then the homeowner has to provide all the same documents they have already provided on a timely basis. Then it takes another month for the bank to review them and then lo and behold, they are stale again. We had these problems with Bank of America back in XX/XX/XXXX and in XX/XX/XXXX they are just as bad. Now they have a new process where to speak to the Customer Relationship Manager, one has to make appointment. I had an appointment today for XXXX and no one called. I called BofA to find out why no one called and they said sometimes the relationship manager is not in, but I should wait until XXXX just in case? What? I have to wait around for a XXXX for an appointment for the possibility that someone might call me? How does that work? NO ONE CALLED. So you call and get false information. You provide timely information that is ignored. You schedule a return call that does n't happen. Yes, things have returned to the good old days at BofA of really bad loan servicing and this is an FHA loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have a loan with ally auto. We have missed XXXX payments due to some unfortunate events. I called them and made payment arrangements I paid XXXX last week and XXXX next week on XXXX XXXX 2015. They accepted and said the calls would stop. During that phone call the lady stated that ally can reposes the car without sending a letter or informing us because they already sent a letter XXXX. So the lady stated the calls would stop. Made the XXXX payment and next week as i stated the rest of the payment ally keeps callings us nonstop XXXX times a day or more. We tell them we made an arrangement ally says they want payment now. They keep calling and harassing and saying they want the payment now when I have an arrangement that is notated. 

Company response: Company chooses not to provide a public response
Consumer complaint: We are in the process of a short sale and the lender XXXX Wells Fargo XXXX has denied providing us a copy of the appraisal completed on XXXX/XXXX/2015. The lender actually informed us that due to it being an internal report and not for credit we cant receive a copy. They are clearly violating CFPB guidelines that state any means used to determine a property value are to be supplied. This seems to only happen when our value is good and the lender is trying to fraud the seller. We previously received copies on XXXX/XXXX/2015, dated XXXX/XXXX/2015. We sent in a value dispute package on XXXX/XXXX/2015 and the lender requested a new appraisal XXXX/XXXX/2015 completed on XXXX/XXXX/2015 the new value {$55000.00} down from the original appraisal of $ XXXX.Here is the file timeline:XX/XX/XXXX : short sale was XXXX : called spoke to XXXX XXXX Presidential team said they do n't give out copies as they paid for it, desktop value $ XXXX completed XXXX requested copy via XXXX : called spoke to XXXX XXXX XXXX, XXXX requested copy of BPO & fax XXXX : email XXXX XXXX, processor/negotiator requested copy of BPO & sent MLS XXXX : XXXX emailed me the address where to send request copies of Appraisal, fax/mail sent, Counter received at $ XXXX : MLS rebuttal emailed to XXXX XXXX XXXX XXXX Loan Adjustor Spec XXXX XXXX XXXX XXXX Executive Office called stating the appraisal sent via mail on XXXX : mail rcvd desktop appraisal $ XXXX dated XXXX : Value Dispute Package XXXX, XXXX, : email req XXXX : email rcvd XXXX XXXX ( Loan Servicing Specialist XXXX asking for loan # XXXX : email rcvd XXXX XXXX he ordered new XXXX XXXX XXXX XXXX XXXX : 3 faxes sent & mailed Req copies of XXXX : XXXX Executive Offices called copy will be sent out next XXXX : email req update from XXXX XXXX, called WF XXXX XXXX XXXX XXXX left VM XXXX called WF CS spoke to XXXX ID # XXXX transfer me to XXXX XXXX XXXX XXXX full appraisal done & got it back on XXXX came in $ XXXX : email XXXX XXXX update? Called WF spoke to XXXX ID # XXXX resent XXXX : email rcvd/reply XXXX XXXX asked for buyer highest/best I said buyer came up $ XXXX : fax rcvd Ltr SS withdrawal due to not rcvd docs on time by XXXX XXXX in Liquidation Servicing XXXX, emailed XXXX XXXX he said he did n't send withdraw but file is open with him. Need buyer XXXX : XXXX XXXX WF escalations called she is unable to send copy BPO due to it being internal use and not for credit I said per CFPB yes, will file complaint, 3 faxes/mail sent req 2nd copy of BPO XXXX mind you she called me on XXXX & XXXX previously and told me the copies were sent out for desktop appraisal ) 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX set up a pyramid scam on XXXX in the group called " XXXX $ XXXX $ XXXX {$20.00} auto reshare {$140.00} payout ''. When I figured out what it was, I asked for my money back and she will not send it back. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In regards to case # XXXX here is the attachment of the envelope dated mailed XXXX XXXX 2015 from zip code XXXX. This contained XXXX XXXX XXXX 's fraudulent reply to my QWR, he received on XXXX XXXX 2015. XXXX days after receiving my QWR.. A clear violation of RESPA XXXX day reply rule.and attempt to commit fraud, by back dating the document which had no real info anyway. Also received XXXX XXXX the attached false resolution from XXXX XXXX XXXX. Still not disclosing the info I requested that will show WELLS FARGO and XXXX XXXX XXXX XXXX HAVE NO LEGAL AUTHORITY TO FORECLOSE.. tHE TRUSTEE SALE IS TODAY, AND MIGHT RIGHT TO DUE PROCESS OF THE LAW WILL BE VIOLATED BY THE SATE OF NEVADA AND THE U.S. ACCORDING TO THE 5TH AND 14TH AMENDMENT TO THE CONSTITUTION. PLEASE STOP IT IF YOU CAN. THANK YOU. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX emailed me that I have a account in collections on my credit report, I called the collection company and explained the debt is not mine. I then called the company that sent the info to the collection company and have no gotten anywhere in over a month. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hello, I have recently inquired about transferring my personal property into my business which would require me to obtain a business loan. I have been attempting to do this with XXXXI began working with XXXX XXXX XXXX XXXX # XXXX ) in XXXX of 2015. It has been a nightmare dealing with her and I have found her conduct to be extremely unprofessional. Initially she took all of my information, and I was extremely transparent about my goals and quick to respond with financial information as needed. Eventually communication began to wane and weeks were going by without an update. She would haphazardly ask for different forms at the last minute, and would not bother to call or make sure these " last minute '' request were received. At one point after asking her for an update, calling both her work and cell phones AND sending an email, she emailed me back saying the loan was cancelled-she did n't realize that everything had to be completed within 21 days of initiating the request, AND she tried to say it was my fault because she asked for a form on Friday and it was n't there on Monday XXXX the same day it was cancelled apparently XXXX. 

I still proceeded to try to re-apply and continue the process with XXXX XXXX and BB & T. I had to consistently XXXX her down for updates. There were 2 WEEKS where I have heard NOTHING. I eventually caught up with her on her cell. She proceeded to tell me that she " thinks '' the hold-up is some additional paperwork that she " personally '' has some concerns about, AND when I asked if it were possible to just check in regularly even if there is no new information ( which I 've never heard of ), she basically refused. 

Eventually I complained to BB & T about the process, and after talking with her apparently, they said my application was in underwriting and they were n't sure when I would hear back. That is totally bogus and I know this because I have 3 other loans and I know how the process works. Coincidently, I received an email from XXXX XXXX a week later saying they could n't help me with my loan. No REAL or clear reasons, AND this was more than 2 weeks after my last interaction with her. I found this experience to be totally unfair, unprofessional, and unacceptable. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX found identity theft occurred. An Investigation Letter will be mailed to me showing the charges made under my name and SS were fraudulent. 
I will receive a Fact Act request in the mail to fill out to obtain the details of the identity theft. 
Details of fraud. Account opened XXXX XXXX online using my social security number for purchases totaling {$920.00} under the edge program. Under the edge program items are billed to the recipient. The goods consisted of XXXX 5s iPhones and other merchandise. 
The merchandise was delivered to an address in my City and signed for. 
The unpaid items were turned into the credit card reporting agencies as delinquent XXXX XXXX 2015 for {$920.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an auto loan with Prime Acceptance and I defaulted on it. They have since sold the debt to XXXX XXXX XXXX. XXXX XXXX bureau is now collecting and has been since 2011. But Prime Acceptance is also still collecting and reporting the same debt. So they are double reporting. I have disputed it several times yet they claim it is valid. How can XXXX companies collect on the same debt and that be valid? It is not based on my research. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: XXXX with HomeBridge Financial Services delayed the closing for 15 days. We had asked from the very beginning if it was feasible to close this in 30 days he assured us it was, knowing the clients low credit score and harder qualification process. The week of closing he was requesting verification on renters history which should have been dealt with way earlier. He was not getting any response from the Rental office for days. After we found out the hang up was he never send them a Release from the tenant to request this information and they asked for it multiple times. It took the selling and buying agent to help with this and get him the information needed. At this point we just needed a day more to get it closed said XXXX. We had to extend the contract for another 2 weeks with a total of XXXX Extensions. Very unprofessional and he was not up front just leading us on thinking he can make it happen and then did not come through. His manager XXXX XXXX got involved and assured us they were working really hard on this file. I believe that was true but not until the last 2 weeks of the process which was after we should have closed. My buyers were very frustrated with the process and it did cost them more money since we did not close XXXX XXXX and they had to pay another months rent. Closing was finalized on Friday, XXXX XXXX at the very end of the day with the money not clearing until Monday. I do n't want any other buyers having to go through what my buyers had to experience. 

Company response: Company chooses not to provide a public response
Consumer complaint: My son is delinquent on auto loan. Loan and title have no connection to me. My son stays at my home off and on. Debt collector has called my home phone and my cell phone multiple times. He has been vulgar and has even threatened that he knows people where I work and will make comments to try to have me terminated. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was behind on my mortgage payments I got a call from the company and the lady treated me like garbage asked what I was doing even owning a home I should n't even have bought a home said I did n't deserve a home asked why did I buy a home if I could n't afford it made me feel so bad why would I ever want to talk to them again. Since then I have been foreclosed on kicked out of my house even after I told them I lost my job and was unemployed all they server said was make a payment and a half unroll caught up it was berry frustrating I do n't know if there is anything I can do to get my house back but I just do n't want them to be able to do this to other people. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a call XX/XX/XXXX, I believe, on behalf of a court summons for my mother. The woman on the other side of the line would n't tell me what the summons regarded, and only stated it was personal business for my mother. I ended up writing down the phone number, and letting her know that she was n't expected a court date, that she had heard nothing of it. She seemed obviously surprised. With that, I took this seriously, and told my mother to call as soon as possible. 

Here 's that number : XXXXShe did end up calling a few days later between XX/XX/XXXX and XX/XX/XXXX while I was at work. Now, keep in mind, my mom 's not a courageous person, and is easily intimidated. I suspect that the thought of a surprise court summons caught her off guard, and activated her flight response in dealing with this asap. Here 's where I believe where she 'd dug herself a hole. She owes money to Aspire Visa, a company I researched, and they apparently have their own issues with debt collection. Apparently, this debt 's been around since XX/XX/2001, according to my mom. His name was XXXX XXXX. They verified the last XXXX digits of her ss, and started at a high number for payment, around XXXX XXXX for her to pay off. They got lower in negotiation, we do n't have much in the form of income, so another debt/bill to pay only adds to the struggle. They took it down to around XXXX, and agreed on bi-weekly payments. She agreed, and gave them her debit card number. I was floored when I found out she did this. They sent her a contract to sign, which she did. Aspire Visa is the original creditor, though there 's no trace of it anymore, and XXXX XXXX XXXX ( a company that does n't even collect debt, I 'll get to that later ), was the debt collector. 

I contacted an attorney for a free initial consolation, l brought him up to speed on the details above, and the main thing that stuck out to him was the 'court case ', the woman also said she 'd put it on 'courtesy hold ' for my mother. This tipped him off, he recommended we stop making payments, so we did, we canceled the debit card my mother was using to make the payments, and here we are. They can not threaten a court case according to the FDCPA. 

Just today, XX/XX/XXXX, around XXXX, the same man my mother spoke to called. I did n't pick up, but I did listen to his message. He left a case number for the debt, stated my mother could still resolve this willingly and to call him back, but it was a 'timed matter '. He did n't give a deadline. The number was also different, XXXX. I researched this number, too, and found it to be linked to XXXX XXXX XXXX, apparently another debt collection company XXXX XXXX works with. I researched both companies, and found that they are not debt collection companies, not the official ones I could find registered in theXXXX. This is all up-to-date, and I do expect more calls from this person regarding my mother. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: From XXXX I have mortgages loans with Bank Of America. My original problem was an Auto Draft account used only for the mortgages payments. Seeing misapplied payments and wasting hours on the phone I decided in keeping it simple. So I closed the auto draft accounts and paid each mortgage in person by cashiers check only. Bank American would then apply payments to the closed auto draft accounts paying fees and such which they had already corrected but still shows back up. It took me XXXX times to force close those auto draft accounts. XXXX a manager with XXXX XXXX had directed me to make payments only by cashier checks payments in person for record which I did. All cashier checks are from XXXX XXXX. Then Bank America said I was missing several months of payments. As of XX/XX/XXXX XXXX personally helped by calling Bank Americas talking to several managers to resolve this. We would get a manager that would ask for several months copies of cashier checks starting in XX/XX/XXXX so we fax them copies.. She would always ask for a direct contact number which they said they did not have one and call customer services. XXXX also asked for a conformation letter for problem resolve which they would never send. A few weeks later the problem would started again with a different manager and same ending story nothing solved. Now all XXXX properties are all in a foreclosure. XXXX reviewed the statement they sent out which shows that I did not miss a payment and that Bank America had misapplied payments. Bank America now shows that my XXXX accounts are from {$1300.00} TO {$2000.00} behind and when asked which months they need a copies of the cashier checks to resolve this matter never gets resolved and is always a run around. Several times I personally went into a branch to resolve this and they told me I need to call customer service. Now working with a XXXX XXXX in the debt collector department goes on week after week. I also called her manager XXXX XXXX for three weeks now and he will not return my call 

Company response: Company chooses not to provide a public response
Consumer complaint: Tried to get the loan modified with Wells Fargo many times. Each time we would be give trail payments, we paid on time. Once we compeleted the trail payments we would be told that there was paperwork missing or there was a problem with the loan. Each time we cleared up the issues. we were told that Wells Fargo would reinstate the loan, then we get a phone call from a totally different Rep. stating that the mortgage could not be modified because the value of the property had increased in value. 

Company response: Company chooses not to provide a public response