AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX XXXX, 2015 I received a letter from XXXX XXXX XXXX stating that I owed a debt for XXXX. I mailed them a letter via certified mail on XXXX XXXX, 2015 for a request for Validation of Account. As of XXXX XXXX, 2015 I have not received a response for validation. 

Stellar Recovery called me on XXXX XXXX 2015, in an attempt to collect debt concerning XXXX XXXX. I verbally requested that they contact me through writing in the mail. To this date I have not receive any correspondence from Stellar Recovery, yesterday I received an alert from my credit monitoring and Stellar Recovery has placed a flatulent account on my credit report without sending me ANY notification prior to placing this alleged collection on my credit report. XXXX company stating that I owe for the alledged same account with different amounts owed, without sending me any validation of account that was requested has violated my rights by not sending me any written notice as requested and required under FCRA and FDCA. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I filled for a mortgage modification with my mortgage company, Wells Fargo on XXXX XXXX, XXXX. On XXXX XXXX, XXXX they told me my mortgage was not in active modification review after my file had been submitted. XXXX XXXX, at Wells Fargo was my representative but they change it every month. Since that timeI would submit files to Wells Fargo and my home preservation specialist would tell me they do n't have access to my Wells Fargo XXXX Portal. Other Wells Fargo Reps have told me they can see any file I put into my file via the Web Portal. 
My file was submitted and a decision was never submitted through the XXXX Portal. there is no decision on my file. and I am now File. On XXXX XXXX, XXXX Wells Fargo did an interview with me to request extension. they did an interview on me and instructed me to fax them documents. I turned in the documents and spoke to the extension 7 day team. But when I spoke wells Fargo two days later, Monday XXXX XXXX, XXXX they told me it was too late to stop the sale and that my house was in auction as we spoke. I called them XXXX XXXX, and they told me they sold my house in auction. Then I got a letter from them dated XXXX XXXX, XXXX and they were now going to do some research on my house and they would get back to me on if my house was sold. I am stressed out and I cant eat. 
On XXXX XXXX, XXXX Wells Fargo informed me that they sold my house at Auction. I love my home and I want to keep my home. I first bought it in XX/XX/XXXX. This is my XXXX home and its for my son. So this is quite traumatizing. They are trying to sell my home without making a decision on my request for modification. 

Company response: Company chooses not to provide a public response
Consumer complaint: For over a year, I have subscribed to Experian for a monthly review of my credit status. However, when I tried to get the information for the current and the last cycle, both of which were billed to XXXX XXXX, Experian claims that the personal security I provided is not the same as what I submitted originally. I have never changed that information -- my mother 's maiden name, my date of birth, my SS number, the name of my favorite teacher. I asked XXXX XXXX to remove the current charge and not to accept any more payments using my XXXX number, and they quickly agreed to do that. I intend to meet this week with my attorney to see what happened to my information, and how I somehow am being ignored by Experian. 
Thank you very much for any information and assistance you can provide. 
And blessings on XXXX XXXX XXXX for being the moving force behind the CFPB! 
XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian has allowed XXXX XXXX to report an account that was XXXX reported by XXXX ( XXXX ). This account was removed from file. This is not my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a customer with Wells Fargo for nearly 20 years -- we have our checking, savings, credit card and mortgage accounts with them. In XXXX I called Wells Fargo XXXX Customer Service and asked them if there would be any issue depositing a check from a XXXX bank ( in XXXX XXXX ) into my Wells Fargo checking account. I was told that there would be no issue as long as the check was taken inside a branch and the deposit was made with a teller. Based on this information, I requested the check from the company in XXXX and paid for it to be send via XXXX to me. Upon receipt of the XXXX XXXX check ( approximately {$1200.00} USD ) on XXXX XXXX, I went to my local bank branch and was able to deposit the check without any problem after the service manager gave her approval on the back of the check. The funds remained in my checking account until XXXX XXXX when after checking my account online, I found that the funds had been removed from my account and the check was returned to me along with a letter explaining that it was Wells Fargo 's policy since XXXX 2014 to not accept checks from XXXX banks for immediate deposit. The letter explained that it had to go through a collections process to recover the funds which could take between 4-10 weeks. To ensure that I had not heard the XXXX customer service representative incorrectly, I called them again and asked the same question -- I was told the same answer : there would be no issue as long as the check was taken inside a branch and the deposit was made with a teller. At no point was I told that it was Wells Fargo 's policy to not accept foreign checks for immediate deposit and at no point did they point out that the check would have to go through a multi-week collections process before the funds would be deposited into my account. Unfortunately, after repeated calls to the Branch Service Manager and the Branch Manager, they were not willing to fix the mistake that they had made. At no point did I bounce any checks or overdraw my account, but as a long-term loyal customer of Wells Fargo, I am not being treated fairly. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America is reporting with the XXXX credit bureaus that I am in Chapter XXXX bankruptcy with them/home loan and I am not. I have not filed bankruptcy on my home. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX we completed a modification with Wells Fargo Bank, we were so excited about the modification that we did n't read the entire forms that were sent out for us to sign. In XX/XX/XXXX due to my wife illness we fell behind not quite XXXX months with our mortgage, we were trying to catch up always a month behind. We decided to try to get help by doing a debt consolidation loan to bring us us to date it would also help us to secure a refinance in the next 12 months. We found a company that would do the loan for us just as we were to sign the document a Title search was done and we found out that HUD had placed a partial claim on the home making it virtually impossible to secure a loan. The claim shows up as a lien on the home. Finding this out was a shock to us, we were never informed verbally that a lien would be placed on the home by HUD. This has create a hardship for us because no one will touch our home due to this XXXX lien. We are falling farther behind on our mortgage and other bills we want to save our home, as we have the income to maintain our home once we get someone to help us to get ahead. We sincerely hope you can help. 

Regards, 

Company response: Company chooses not to provide a public response
Consumer complaint: I am trying to obtain a legible copy of a check cashed against my mother 's account on or about the day she passed away. I am an executor of her estate. There is a {$5000.00} discrepancy in the balance and I have not been able to obtain a legible copy of the back of the check. I have a copy of XXXX sides from the bank but only the front is legible. The back is too blurry to read. I will attach a copy for your review. I have contacted my mother 's bank and they state that sometimes " that 's the way the check copies are, and they do not know where the original can be found ''. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a XXXX XXXX XXXX that has been reporting negative for a long time. I disputed it multiple times telling experian that I was released from apartment contract due to a fire that happened in 2009. I tried contacting XXXX XXXX XXXX XXXX themselves to get this taken off and they were n't having it. very rude and would not send me and documents about this account. I asked experian to show me documents proving that it was legit and my but they said they do n't have to prove anything to me. I need this negative off my report ASAP. as XXXX and XXXX both removed it but experian wo n't. I do not have the release form anymore and ca n't get the information to the former management that was running the apartments at that time. without any information I ca n't even try to prove it was released and they are stopping me from any information. As you know the apartment complex always changes management ever so many years. I tried going to the apartment and talking to them and they said there has been like XXXX different management companies. 

Company response: Company chooses not to provide a public response
Consumer complaint: My brother 's mortgage has been on my Experian report for some time now, efforts to reach experian via phone end up with me hanging up in frustration because I can never get to a live person to find out what i need to send in to fix the issue. This has caused several attempts at applying for debt consolidation loans to be declined because of this inaccurate reporting. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear Sir/Madame
I applied for a loan with Bank of America, XXXX didn't explain for me that I will be asked to repair the house even before my loan approval. Also, I have been mistreated by my loan mortgage specialist XXXX. 
After the XXXX appraiser report I contacted XXXX the boss XXXX. I explained to him my situation, and he proposed to contact the appraiser agent to talk about the house. Then, XXXX told I will need  to fix just the safety issues which are fix the wood floor in the living room, fix the ceramic flooring of the kitchen and the bathroom, the XXXX rail for the stairs to the roof, and replace the deck. Even though, it was hard to get in the house because of the seller's bank kept changing the lock of the front door, I fixed all this issues. Therefore, I did all requested repairs.
I got surprised from the XXXX appraiser report, because it's asking me to fix some ridiculous thing such as facing still missing, not finishing drywall.  The real problem is XXXX got this report on XX/XX/XXXX  My real estate agent XXXX kept asking her for it, but she kept telling him she knew nothing about it. She released the report just a few days before the closing, so I can do nothing . By her actions, she took away my right to make a decision about something very important to me. I mean, by hiding this report until the last days, she put me in hard position. Now I don't have enough  time to do anything about this matter.
In the end, I've fixed what I have been told to fix.  XXXX hurt the feeling of my real estate agent XXXX and mine as well by treating us like we were in a primary school on the XXXX century. Also, she made me lose my money, my work, the help of many friends gone for nothing, and my time as well.

The appraiser inspection with evaluated the house XXXX more than the loan priceXXXX$.
 I spent for it almost XXXX plus I paid down payment of XXXX
Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX I made a payment to Bank of America from my credit union checking account 's onlne service ; the payment was a mistake and should have gone to a different institution. The BOA account I made the payment to was a closed account with a XXXX balance. I recently received my statement from the account I meant to pay ( different bank ) showing they did n't receive my payment, which is how I realized I made the error in my payment. At that time I called my bank to retrive the funds.My bank followed procedure to correct the situation but was told by BOA they could n't do it due to security reasons and would need me conferenced on the call. On the same day I also called Bank of America to see if I could correct the mistake from my end which resulted in over an hour phone call, multiple transfers ending in being told 'for security reasons I would need to submit a written request, preferably on personalized stationany ( I do still have a loan with BOA so it 's not like they do n't have my personal info to compare ). As of today XXXX XXXX, Bank of America has been contacted my myself and XXXX XXXX XXXX to try to retreive the funds of {$3000.00}. to no avail. Both attempts lead to over an hour on the phone with a mimium of XXXX departments who gave us basically the run around and finally ended by transfers that never went through. My bank will be contacting them again on XXXX XXXX to try to continue to retrieve my money but I am filing my complaint now as my past experiences with Bank of America has proved to me that they will not remedy situations unless promted by the federal government. Also, as both my bank and myself have already spent waisted hours resulting in different answers from BOA I have doubts that we will be able to resolve the problem on our own. For the record, XXXX different people had originally told me they did locate the payment received on XXXX XXXX, 2015 but that they did n't have the authority to complete the refund. Today when conferenced with XXXX XXXX XXXX Bill Pay department, the different dept of BOA could n't find the receipt of the funds. That call ended in the fifth transfer which terminated during transfer so no resolve. 
I would appreciate any help you can give with this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I withdrew money out of my account at a branch of my bank in another State. Later, I took the money out of the envelope, counted it and discovered that I am short {$100.00}. The teller counted the money out incorrectly! 

Company response: Company chooses not to provide a public response
Consumer complaint: Disputed info is deleted the reinsert ed on my report 

Company response: Company chooses not to provide a public response
Consumer complaint: Their is a credit reporting XXXX XXXX XXXX XXXX XXXX on my credit report that is past the 7 year law. This credit reporting by law should be removed. I am requesting that this credit item be removed from credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: On Saturday, XXXX XXXX, 2015 I deposited a money order in the amount of fifty-eight ( {$58.00} ) dollars at XXXX. As of Tuesday, XXXX XXXX, 2015 my check has not cleared. Even though it was a national holiday, banks do not close and continue to operate. Why are they holding my meager funds? 
My other concern is that the Bank of America automatically transfers XXXX ( {$25.00} ) from my checking account to my savings account on the XXXX of each month. I had to agree to this transaction to benefit from certain services. The truth is Bank of America wants to use depositor 's money to comply with " safe funds '' regulations established by the federal government. 
My last concern is that my deposit slip from Saturday ( XXXX XXXX, 2015 ) has an erroneous date of " XXXX XXXX, 2015. " How is it that the corporate name ( Bank of America ) is guilty of malfeasance and not the names of individuals at the helm of the bank that are responsible for wrong doing and not labeled as felons? 

Company response: Company chooses not to provide a public response
Consumer complaint: Their is a credit reporting ( XXXX XXXX XXXX ) on my credit report that is past the 7 year law. This credit reporting by law should be removed. I am requesting that this credit item be removed from credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX account included in bankruptcy and discharged but still Reporting as derogatory. I disputed via agencies the account is deleted then re reported as derogatory. ChapterXXXX filed XX/XX/XXXX discharged XX/XX/XXXX. Account was never a charge off. 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit card was closed by Bank of America due to a security breach and a new card was issued. The new card was then subject to fraud within XXXX day of using it. There is a credit balance on the original card and the Bank has been unable to refund that balance or transfer to my new card for over a month. I have made XXXX calls lasting over XXXX hours in total and each time have been told the balance would transfer in XXXX days. It has not happened.
Company response: Company chooses not to provide a public response
Consumer complaint: Experian purchased a fraudulent contract from Attorney XXXX XXXX XXXX. The XXXX XXXX XXXX firm has absolutely no proof that they have rendered any service amounting to that amount. I paid them a small amount for a 30 day eviction notice. That is the only service that they performed for me. All anyone has to do is contact the XXXX XXXX XXXX firm and ask them for any documentation supporting their claims. Experian did not do that. Experian tells me that they are not required to check the validity of claims. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX complaints about all XXXX major credit bureaus ( XXXX, XXXX and Trans Union ), that show they are not taking the proper precautions to protect individual 's identities, and have practices that cause consumers who have been victims of identify theft to pay for services that they are entitled to get for free. 1 ) All XXXX are using very outdated SSL security on the websites that one must use to enter social security information, which means an unsophisticated attacker can easier capture SSNs in transit. 
2 ) In order to get a free credit freeze when consumers who have proof of identity theft MUST send that proof by regular mail, which includes the consumer 's SSN, to a XXXX for all XXXX bureaus, with an address that includes the bureau 's name and " credit freeze '' in the address name. This makes identify theft through the postal mail extremely easy! The postal service loses large quantities of mail each year. Also, this means it will take more time to place the credit freeze due to waiting for regular mail to make it to/from the credit monitoring bureau. For those reasons, I felt the need to pay for the freeze service that I was entitled to get for free. 
AND, I could not find any place on any of their websites where I could contact them to raise these issues. 

Company response: Company chooses not to provide a public response
Consumer complaint: These people continue to call my sister, parents, grandmother and worst of all, my place of employment. They have called every branch of the company I work for in my town and neighboring towns. They are very rude and aggressive to my coworkers, using profanity and telling them if they do not release information about me then they, too, will be served with papers for " noncompliance ''. They will not tell me who they are or even what company they represent always calling themselves XXXX XXXX or XXXX. They have left voicemail messages telling me they will be sending an officer from XXXX XXXX to my home and if I am not there it will be rerouted to my work. They give XXXX street addresses, so they know where I live and work but refuse to send me anything in writing. I have called them back XXXX and requested information in writing but have not received anything. The XXXX time they told me to stop calling their office and the other time they said " well at least now we know where you work '' and hung up. They XXXX tell whoever answers the phone that they need to talk to my boss, using my full name, and say I must be located due to a serious legal situation, I am being sued, and that anyone who helps or tries to help me avoid being served will also be arrested and prosecuted to the fullest extent of the law. I am very concerned I may lose my job if this continues. The people working for this company just keep calling sometimes up to XXXX times in XXXX day and are telling anyone who will listen that I am a criminal but yet, when I talk to them they wo n't give me any information and use fake names. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have a parment arangment for my student loans that were owed to the educational facility that I attened. I have authorized and setup a automatic set payment monthly on what I could afford with in my budget, the company key XXXX recovery is the company the arangment was set with. They Continue to call and harass me about this arrangements, stating that at first it was okay but they need more now. They inappropriately tell me to seek childsupport because I 'm a single parent or to borrow the money for me to make higher payments each month. Threatening wage garnishments if I ca n't make a large percentage payment. In the matter of XXXX day between XXXXXXXXthey called me XXXX times leaving XXXX voicemails. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Wells Fargo committed fraud by stealing money from the elderly. I am XXXX years old, I have a account with Wells Fargo, Acct # XXXX. On Sunday, XXXX XXXX, 2015, the day before XXXX, I purchased food at XXXX XXXX and wrote a check # XXXX in the amount of XXXX}. I also wrote a check on Tuesday, XXXX XXXX, 2015, the day after XXXX, on XXXX XXXX, 2015 I receive a survivors benefit check in the amount of {$XXXX} which post Eastern Standard TIme at XXXX XXXX, XXXX Pacific time. Wells Fargo. On the back of Check # XXXX in the amount of {$75.00} The XXXX stamped it XXXX XXXX, 2015 as being processed, the money was in my account, Wells Fargo fraudulently charged me a service charge of {$35.00}. They also charged me {$35.00} service charge for Check # XXXX in the amount of XXXX. These XXXX checks were covered because my direct deposit from Social Security was in the account. I went to Wells Fargo and spoke to the Manager of the Store, XXXX XXXX, ID XXXX, she took the bank statement along with the XXXX checks and proceeded into her office not asking me to come into her office while she looked at the copies. XXXX minutes later she comes out into the lobby where I waited and broke the privacy act discussing my account with a lobby full of customers. She treated me with no respect and I feel discriminated against me because she saw I was elderly, she failed to ask for my identification. She failed to see on the back of the check the date was stamped XXXX XXXX, 2015 for check number XXXX by The XXXX. It is my opinion Wells Fargo should investigate this store manager, the proof is on the back of the check and she had no right to discriminate me and embarrass me in front of a lobby full of people. I am asking that Wells Fargo refund my money and a apology letter on behalf of their Store Manager, XXXX XXXX she should not work at a bank who judges people by the way they look. 

Company response: Company chooses not to provide a public response