AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I lost my job on XX/XX/XXXX, I contacted Wells Fargo and requested a loan modification, it was denied. I was re hired by my prior employer XX/XX/XXXX and requested to Wells Fargo to give me a home modification ; I also begin to do regular payments, I am an XXXX at the XXXX. Members of the XXXX are protected for foreclosure, however Wells Fargo does not recognized my military status and my good intentions to pay my mortgage. I have submitted all the documentations to XXXX XXXX XXXX a home preservation specialist, he however had stated that he have not received them. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX Housing Officer ) had contacted them, nevertheless Wells Fargo promise to help and then fail to their promise. The office of family support from the XXXX contacted Wells Fargo, however Wells Fargo was unwilling to help. My home suffered major foundation damage from the flood, in addition appliances were destroyed. I have been paying for all this. FEMA came to my house and witness the damages, I am currently submitting estimates for some of the damages that I have not been able to cover. Wells Fargo had affected my credit ( I am unable to take a loan ), they had affected my mental health ( I am under emotional treatment due to their harassment ). 

Company response: Company chooses not to provide a public response
Consumer complaint: I have my mortgage loan with Bank of America. This is the second time I submit a complaint against the bank, when they send a letter to me threaten of losing my house. I am making payments faithfully every month, as evidenced in the attached document, however, their harrasing practices of sending certified letters to my house for " missing one payment '' are not absent in the past two years. 

Two years ago, I filed a complaint because Bank of America kept denying me the right to file for a Home Loan Modification. Afterwards, this loan modification was approved for the amount of approximately {$1700.00}. I pay every month {$1700.00} through my bank. I filed for bankruptcy in XXXX, 2015, but continued making my mortgage payments without missing one, and as stipulated in the borrower agreement. Today, I received a threatening letter of foreclosure because they have n't received the current payment, which I have the right to pay XX/XX/XXXX. 

If further documentation is needed, I will communicate with my lawyer who has all my financial paperwork, included the agreement of Bank of America for the beforementioned loan modification. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a XXXX who needs access to a statements from a closed joint checking account held with Bank of America. EVEN WITH the " letter XXXX '' given bank of america on XXXX XXXX, 2014, they refuse access XXXX. The bank contends they do n't have the document even though it was used to close the joint checking account and open a " guardianship '' checking account. They are requesting documentation again to review and see if they can grant access XXXX for his closed joint checking account which will be thru XXXXXXXX, I am asking for immediate electronic access to the closed joint checking account in preparation for interrogatories and his pending divorce. XXXX Hence, the reason for a court appointed XXXXguardian. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've had this Bank of America credit card since XXXX. This is the ONLY card that my wife and I have that does not have the ability to setup payments online to pay the minimum payment each month automatically. Instead, it requires that you declare a payment amount to make automatically each month. Since we did n't use this card often, years ago, I set it to pay {$50.00} per month believing that it would easily cover the minimum payment and then some if we did decide to use it. For literally years that assumption held true. This XXXX, purchases were made that resulted in the minimum payment being greater than the {$50.00} that was setup previously. As soon as I realized the problem, unfortunately in XXXX of XXXX, I payed the overdue balance, and contacted Bank of America to attempt to have my credit report corrected based on several limitations on their part : First, we NEVER received supplementary contact to indicate a problem. It is true that I did sign up of paperless statements in XXXX, and I routinely do not check those statements because I rarely use the card. If there were a problem, I had expected Bank of America, like ALL of my other creditors do, to attempt to contact me to indicate such. NO phone calls or letters were received to indicate a problem with the account. 
Second, this is the ONLY account that we have that does not have an option to pay the minimum payment each month on their online bill payment system. Coupled with a lack of communication from the Bank, it would seem to me that this situation was engineered to make money for the Bank through the generation of late payment and over limit fees. 
I submitted requests to Bank of America several weeks ago to make the requested adjustments to my credit report given my exemplary history with them spanning a decade, the above described limitations, and my immediate payment to bring the account current on the day that the problem was finally brought to my attention. When I called today to follow up on the issue, I was notified that my request was denied. I asked them to reconsider my request, and to escalate my request beyond the department that had made the decision to deny my request and was told that was not possible. At that point I cancelled my account with Bank of America and notified them at the same time that I would be making a formal complaint with the appropriate consumer protection agencies. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a notice from Bank of America : " On XXXX XXXX, your checking account will change to a Bank of America Advantage with Tiered Interest Checking account ''. 

In the new account monthly maintenance fees can be avoided by : " Keep an average daily balance of {$5000.00} or more in your checking or linked Regular savings account '' BUT when I inquired to Bank of America where on their website or statement the average daily balance was shown, I was told that this information was not available, but I could calculate it. 

My complaint is that Bank of America has created a criteria to avoid a fee but does not make the information available to the customer. 

Company response: Company chooses not to provide a public response
Consumer complaint: Per attached XX/XX/XXXX Transunion confirmation-File # XXXX, my credit File had an Extended Security Freeze with assigned PIN ( applies to all XXXX Bureaus ). XX/XX/XXXX I requested annual credit report and XX/XX/XXXX Transunion responded they had already provided to me. Transunion has 1 ) requested {$11.00} fee from me, which I do not owe since I never got my annual credit report, 2 ) violated my privacy releasing my ENTIRE credit report to an UNKNOWN PARTY without A ) ANY SECURITY FREEZE verification B ) not to MY ONLY VALID MAILING ADDRESS C ) nor to MY VALID EMAIL 3 ) Could be fraudulent reflecting data but unable to determine until I have my transunion report. At a minimum, I will require Lifetime Free Credit Monitoring be provided as I have police reports, etc. filed with XX/XX/XXXX letter ( all documents sent cert/return receipt. ) This is totally unacceptable and you can not speak to a human being regarding dispute & /or potential Fraud. How can this be ACCEPTABLE. 


, 3 ) violated Privacy and, which they had not. Transunion DID NOT follow their Security Freeze protocols and breached my privacy. 

Company response: Company chooses not to provide a public response
Consumer complaint: was charged exuberant deferred interest rate and offered to pay balance off as it had only been a few days since the charge happened and the company declined. ( XXXX months no interest ) seems like a very shady practice and there should be a reconciliation period. i should be able to pay off the balance and avoid this 30 % interest charge. 

Company response: Company chooses not to provide a public response
Consumer complaint: Called company for a verification of debt letter. Spoke to XXXX reps and a supervisor ( XXXX ) was told that a verification of debt letter can not be sent to NY residents. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is a COMPLAINT AGAINST WELLS FARGO AND THE UNDERHANDED NATURE THEY HAVE CARRIED ON IN REGARDS TO MY MOTHERS ESTATE, THIS IS WHAT wells fargo is in violation of regualion z as follows failure to recognize heir to the estate of XXXX XXXX XXXX, wells fargo has refused to place my on the mortgageAND ALLOW ME TO MAKE MORTGAGE PAYMENTS for over XXXX causing the mortgage fall behind XXXX XXXX good in a recorded conversation can be heard saying that regulation z doeS not apply that i need to modify the loan are get a refinance which is not what regulation z says i am at prestent time being forced to jump through hoops for a modification submitting the same information over and over.At no time did wells fargo contact me or inform me of opt that were available. For XXXX years they have steadfastly held that they didnt know nothing about regulation z constantly telling me i was behind on the mortgage and either a modification or refinance had be done or foreclosure. Yes the mortgage is behind because of their unfair racist discrimination practices, I want wells fargo to furnish any material they have showing that they reached out to the heir and offered the opportunity to go on the loan they ca n't. If CFPB HAS ANY BACKBONE THEY WILL PUT AND END TO THE LIE OF THIS RACIST BUSINESS PRACTICE. WHAT I 'VE CONSTANTLY ASKE WAS TO BE PLACED ON THE LOAN WITH OUT ALL LIES AND DENYING THAT REGULATION Z EXISTED PLEASE HAVE WELLS FARGO PROVIDE PROOF OF THEIR COOPERATION THERE IS NON THEIR INTENTION HAS BEEN TO DRIVE THIS HOME INTO FORECLOSURE AND STEAL MY PROPERTY THE EDVIDENCE FROM COURT TRANSCRIPT SAYS SPEAKING UNDER OATH WELLS FARGO ATTORNEY SAID NOTHING COULD BE DONE OBJECTED TO THE COURT TAKING JUDICIAL NOTICE OF THE CFPB AND OR REGULATION Z, i AM THE HEIR TO THE ESTATE OF XXXX XXXX AND HAVE BEEN DENIED ANY OPPORTUNITY TO MAKE PAYMENT WITHOUT BEING SUBJECT LIES.,. 

Company response: Company chooses not to provide a public response
Consumer complaint: am having an extreme problem with my credit card. Following is the sequence of events that have occurred to date : Called Bank of American spoke to XXXX XXXX around XXXX XXXX about rates for a balance transfer. He informed me that he could offer me a rate of 3.99 % for 1 year. He also stated that he did not know how long this offer would be available and that if I wanted to go ahead and make the transfer from my XXXX account in the amount of {$4800.00} to BOA I could do so and if I changed my mind the transfer would not go thru as long as I called back before the following Monday. 

On XX/XX/2015 I called and spoke to XXXX XXXX and told him that I had changed my mind and did not want to do the transfer. It occured anyway. 

I called on XX/XX/2015 and spoke to XXXX XXXX and he said it would be taken care of and that they would transfer the balance back to BOA with a 0 % rate for 1 year. This did occur but in checking my XXXX statement they made the payment but then BOA sent it back to XXXX in the amount of {$4800.00}. 

My original balance on my BOA card was {$4500.00} with the balance transfer of XXXX that brought my balance to {$9400.00} But instead of having a XXXX balance on my XXXX XXXX, which was the goal, I now have an additional balance of XXXX that I do not owe which BOA ca n't seem to explain. 

I have spent a considerable amount of time and money in an attempt to get this resolved and it is not only frustrating but very unsettling that such incompetence is in charge of my money. 
No doubt this will also have an affect on my credit report as well as my interest rate with XXXX. 
Could you please check into this and get it resolved for me? I ca n't get through to BOA and they really do not seem to care. 



Thank you, 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America charged me {$640.00} for cutting my grass. Bank of America has never cut my grass. I called Bank of America and was told that the {$640.00} that I was charged would be refunded to me, this was 3 months ago and I still have not received a check from Bank of America. Here are the dates that I was charged for cutting the grass which NEVER happened from internal Bank of America 's documents:XX/XX/XXXX XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$80.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: On or around XX/XX/XXXX, I applied for a mortgage loan to reduce my mortgage payment at BMO Harris Bank XXXX Illinois XXXX XXXX location. I talk with XXXX XXXX ( XXXX ). I sign a paper so I could start the application process and for him to Pull my credit report at which time I had told him I had file for bankruptcy in XX/XX/XXXX.He said that did not matter, because they 're doing this new program, where I get a grant to pay closing cost for {$1000.00}. This sounded good. Made an appointment, I gave him copies of my Bank statements for 2 months current copy and current copies of my mortgage statement for 12months and information about property taxes, and home owner insurance, then he asked me for a lease for the rented apartment I said ok made another appointment .he did not show up for this appointment. re-schedule. I got tried of the run-around and called him and said that ok about the loan. Then I decide to try again because no one would give me a loan. On XX/XX/XXXX. I called XXXX XXXX XXXX and asked was it to late to get the loan he said no just bring in the lease form. I said ok. I took in 2 years of tax returns, copy of home owner insurance and the lease. He said I had to sign a new application form so I did. I asked him did he have to pull my credit report again, he said '' NO. he said they keep the credit report for 90 days on file. I said ok. Then on XX/XX/XXXX I receive a credit alert on my credit report that a hard pull was being made by BMO Harris Bank . I then gave XXXX XXXX a called and asked him why he had pull my credit report again, he said he was sorry they only keep it for 30 days. I was upset so I just waited to see if I would get approve for the loan. He told me I would receive a package in the mail bring it in we will go over them. I did receive the package and a statement of credit denial letter dated XX/XX/XXXX. reason for denial Bankruptcy I called him today and told him that he knew I had file bankruptcy and should not have kept pulling my credit report and told him that I told him doing the application procedure that I had file chapter XXXX. he said he was sorry but have not seen the denial letter yet and would call me as soon as he see it. I said ok and file this complaint on XXXX XXXX. XXXX XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Other* Details Wells Fargo is my mortgage servicer. I have been in the process of divorce for almost 3 years now which is what put my mortgage into foreclosure. At the last hearing, the attorney for Wells told me and the clerk of court they would give me an additional 90 days if I requested it to work out my legal issues. I requested 90 days and they gave me 45. They requested a final divorce decree and a quitclaim deed. I was able to obtinain a divorce decree and am currently in the process of negotiating the quitclaim deed. The court system in XXXX county has been extremely slow and we have had no success negotiating individually. It is my plan to request an emergency hearing with the judge to force my ex-husbands signature which should not be a problem. The court has already found he has abandoned the marital home. They also filed an injunction to keep him from forcing the home into foreclosure. I have requested an additional 45 day extension on my foreclosure date so we can complete the remaining legal issues. I am one week from my foreclosure date and Wells told me today they will not give the extension and they will not review my file. When I asked what the appeals process was they told me there was n't one. When I asked who made the decision I was told they would not give me that information. I feel like they sent me on a very expensive and time consuming wild goose chase to keep me busy while they continued the foreclosure process. XXXX XXXX handles my account and it takes over a week to get in touch with him. I have provided every legal document they have asked for and call daily to see if they need additional information. The 45 days I am asking for would total 90 days which is what I was told they would give me in the first place. I am confident we can get the quitclaim deed but they need to give me the time needed to get it. Because my ex-husband refuses to sign any papers I need the quitclaim to do a loan modification. If the house is sold we have nowhere to go. I live in the home with my XXXX children and XXXX is XXXX. I am not asking for more than the time promised and I have done everything they have asked of me 

Company response: Company chooses not to provide a public response
Consumer complaint: Contract Callers ( A Georgia-based collections agency ) has been attempting to collect a debt of {$71.00} from me for over 6 Months now. They claim the debt was from XXXX XXXX XXXX, an electric utility, for an electricity bill from my account with XXXX XXXX XXXX. I have contacted XXXX XXXX, and paid the ammount XXXX times at this point. XXXX XXXX XXXX are recording a balance of XXXX on the account. I have explained this to Contract Callers multiple times, they have insisted I pay them, and they refuse to contact XXXX XXXX XXXX, to verify the payment has been made. They insist I send them the information by FAX ( nobody has a fax machine any more, people also stopped using Carrier Pidgon a while ago, and Contract callers refuses to use eMail ). They have thretend to file a record on my credit report ( even though there has never been any " Credit '', this is a utility bill ). When I contacted Contract callers, they also refused to tell me who their Government Regulator was, so I am unclear who to contact, to file a complaint. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Over the course of 5 years, i received a call from the debt collector no less than 5 calls a week and often 2-3 times a day. Told the debt collector to not contact me over the phone and only through the mail and still received the calls and still do for over four years now. They are attempting to collect a debt that is over 15 years old due to renewing a default judgment and are now garnishing my bank wages. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: A collection was placed on my account in XX/XX/XXXX from XX/XX/XXXX. When contacted XXXX stated I had a " zero balance '' with them. 
I lived at XXXX XXXX Apartments managed by XXXX XXXX from XXXX. I am going through a federal background check right now for a potential job. A charged from XXXX XXXX appeared on my credit history from XX/XX/XXXX. I called and they stated that I had a zero balance ledger with them and that they would talk to the collections department and remove the charge. This is concerning that a charge was placed on my account without proper notice and when I had a zero balance. I notified XXXX XXXX properties on XX/XX/XXXX and received a ledger with a zero balance. I am still awaiting a reply as to when they will speak to their collections department to remove this fraudulent charge so I can continue with my federal employment background check. I fear that this charge has affected my job prospects in the past. The collections agency is called Resident Collections. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have tried to escalate this account to the Collection Agency as well as the Collection Reporting Agencies with no success. 

I have been a victim of Identity Theft and have tried to clear the harm caused with no success. I have opened a case with the Federal Trade Commission ( Case XXXX ) as well as the XXXX County Police Department ( Police Report XXXX ) as well as the XXXX Police Department. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I HAVE HAD ENOUGH!! I KEEP GETTING CALLS, NASTY CALLS FROM THIS XXXX COMPANY AND I KEEP TELLING THEM THAT THE ACCOUNT IN QUESTION IS NOT MINE. I HAVE ALREADY SENT THEM XXXX LETTERS STATING THAT THEY NEED TO STOP, BUT THEY HAVE NOT OBVIOUSLY. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have incorrect information on my credit report being reported by Experian the agency which reported it was XXXX XXXX liens that were supposed to be cleared and XXXX XXXX gave me the copies to send to all XXXX reporting agencies and I sent them to the reporting agencies on XXXX different occasions. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company reported debt that belonged to a woman named XXXX XXXX in XXXX to my credit report for collections. It resulted in me being denied credit. Since I have lived in XXXX for almost 10 years and my credit report reflects that, they had to have known when they placed the debt on my credit report that it was not mine. Therefore, they are making illegal attempts to collect a debt that is not mine. Worse than that, they are XXXX of XXXX companies that is doing this to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: National Recovery AgencyXXXX. XXXX XXXX, PA XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : NATIONAL RECOVERY or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, NY XXXX 

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