AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Our PMI dropped off of our mortgage payment changing the amount owed for XXXX 2015. I was waiting for our payment coupon book to be sent to make the payment. This is how I have always paid our mortgage for the two plus years we have been with Provident Funding. When I did n't receive the coupon book I call Provident Funding on XX/XX/XXXX, to ask what was happening. The customer service rep. informed me that the new book was ordered XXXX XXXX and I should receive it in the mail by the end of the week. That was all he told me. I finally received the coupon book XX/XX/XXXX ( Sat. ). I mailed the payment in on XX/XX/XXXX ( Tues ), due to the XXXX XXXX on Monday. I knew the grace period was up on Friday XX/XX/XXXX, but I hoped the check would make it in time and since they had sent the coupon book late I felt reassured that they would n't charge me a late fee, since the delay was caused by Provident Funding not issuing my new payment book in time. Provident Funding did not receive the check by XX/XX/XXXX ( they cashed it on XX/XX/XXXX ) and have since charged me a late fee. I called several times to explain that it was n't my fault it was late, but they refuse to wave the late fee and say I should have paid online. I explained that I was never advised to do that. I always pay with the monthly coupon book. I was treated poorly by all the costumer service reps. One supervisor even suggested I was lying about calling on XXXX, even though I called from my cell phone at XXXX XXXX ( EST ) and have a record of that and provided them with that information. They say they ca n't locate that call. They told me they could n't wave the fee, then admitted they could. When I asked under what circumstances would they wave the fee, they replied " When Provident Funding is found to be at fault. '' I pointed out that they were at fault when they ordered me my payment book the day after my payment was due. They were forcing me to pay late. I got no where with them and am complaining because of the terrible way I was treated. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Some years ago my former husband and I had a " PMA '' account with Wells Fargo. When we closed that account this year, a checking account that was included free with the PMA account was converted into an account for which a service fee was charged. This was done without our knowledge or consent. XX/XX/XXXX I received a statement from Wells Fargo that had a negative {$30.00} balance. I immediately called and was told not to worry about it. The account was closed and I would be receiving a statement with a XXXX balance soon. In XX/XX/XXXX I received another statement and this time the negative balance was {$60.00}. Again I called and was told the account was closed and the balance was XXXX. Today I received a notice from a collection agency for {$60.00} -- and then I spent nearly two hours on the phone with WF being transferred from one person to another with a lengthy hold period between each. The final person I spoke to told me there was nothing she could do. The account was in collection. I would have to pay it and suffer the negative consequences on my credit rating. 
I want Wells Fargo sanctioned for this kind of abuse. And I want them to provide me with documentation stating that this matter was sent to collections in error. 

Company response: Company chooses not to provide a public response
Consumer complaint: I checked my credit report and I found out that I have an account on collection. On XXXX/XXXX/2015 I called XXXX at XXXX. They could not give me answer for this case. I did not have any knowledge of any account for {$200.00}. I believe is a fraud. Can you please remove this from my credit and investigate this case. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: Reporting adverse accounts with XXXX, which has completely failed to provide any transparency as to what these charges are for ( see attached ) 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a lien on title showing from Ditech. I have contacted numerous people at Ditech and have yet to come up with a resolution. The mortgage was refinanced and we faxed over the HUD that paid off Ditech almost 4 weeks ago and have yet to get anything resolved. I am in the process of refinancing my house and with this lien on title we can not move forward.. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: FIA is incorrectly reporting a late payment of {$12.00} that is affecting my credit. This is an FCRA violation. The company erroneously removed my autopayment option from their system. When I contacted them to advise of this, they had no explanation for how my autopay option could have been removed, other than the company went through a system upgrade in XX/XX/XXXX which could have removed this. The representatives I spoke with stated they could submit a courtesy adjustment to remove from burueaus, but it would need to be approved first, and then it could take 30-90 days. This is an unacceptable timeline when it is no fault of my own that their system removed my autopay option. I have been a loyal FIA Platinum Plus Member for 13+ years, and never have missed a payment nor received or received such poor customer service. I attempted to escalate before submitting this complaint, but could not get anyone to help expedite my request for removal from the bureaus. I spoke with the representatives listed below over the course of one week. I would encourage the compliance team to listen to these calls. On several occassions, I was advised that I would receive a call back and never did. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I owe a bill XXXX from early cancellation of contract for {$1000.00}. A debt collection agency, Valentine & Kebartas, contacted me on XXXX XXXX, 2015 to arrange payments for this debt from phone number XXXX. The employee of theirs setup payment arrangements of {$25.00} a month which I paid on the XXXX of every month until suddenly I received a call XXXX XXXX stating that the payment arrangement did n't count because the employee was never authorized to setup such an arrangement and has been fired and that I needed to either pay the whole balance or split the remaining {$1000.00} into 6 monthly payments. I explained to them that I should n't be punished for XXXX their employees mistakes and that an arrangement had been made on a recorded line and that I refuse to agree to a new arrangement. I was transferred to the night shift supervisor around XXXX XXXX who said he would keep the payment arrangement the same and transfer it to his accounts and would just call me the XXXX of every month to collect the {$25.00}. I woke up this morning to a missed call again from this agency XXXX and then received another call XXXX stating that their is no payment arrangement and that I need to pay the balance in full or break the now {$980.00} balance into XXXX monthly payments. I again asked for a supervisor and spoke with XXXX, who stated that there is no payment arrangement and he is the one who approves all payment arrangements and that {$25.00} a month is not acceptable and that is why the payment arrangement had been cancelled. I asked him how he could cancel an arrangement that had been okay for past 3 months and he said that it did n't matter that I needed to setup a new arrangement. At this point in time I told them I would be contacting the government because they made an agreement on recorded lines and are breaking them and making false representations. He explained that collection efforts and calls would continue until I agreed to more than {$25.00} a month because that amount is not acceptable and then said okay in reply to me filing a complaint and hung up. I do not believe this should be allowed or else what is the point of having agreements if they can simply break them twice in one month and then act like I have no choice but to accept a new arrangement at 6 times the original payment amount! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I could not believe in what I seen for Wells Fargo. They really just take action to help homeowner. We are struggling to deal with them with all their expectation and nightmare for modification. My agent has submitted a lot of documents with PROOF fax went through. Wells Fargo called me and said they need same thing again and again and sale date will not remove and underwriter was not reviewed the file. When my agent told them she faxed and went through the representative from Wells Fargo is being mean to her and said " Fax again till we receive it ''. How come they can treat us as hardship homeowner and being unfair treat to us for dealing with loan modification. We are about to divorce but now because of the house we want to keep it and work out some options. However, Wells Fargo has practiced some unfair thing following : - I have XXXX and they asked XXXX account number and transaction information. It would violate invasion privacy since they just share the room and we cant ask them to provide such as bank account information. We sent them XXXX XXXX XXXX car payment with our address on it but they do n't consider that. They want full bank statement with account on it. 
- They asked us to fax over the documents but they did not response and told us they did not get it. 
- Discrimination of marital statusAs the homeowner, we believe we have the protection under certain law and regulation. I have sent them all documents they need but they never kept their tracking of documents and asked over and over. Per California law of Dual Track, they cant foreclose the house while we are requesting them to review loan modification. They did not give us a fair review and send file to underwriter except making us headache with foreclosure sale and documents require. If it is reasonable documents, we can satisfy but they diged to detail in relationship and tenant information which we believe that it is not right. We need somebody who account manager, can follow the regulation from California Bill and give us a fair review for loan modification 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a collection account from XXXX XXXX systems # XXXX. The address stated on the report is XXXX XXXX, XXXX, Texas XXXX. Phone number XXXX. This was for an XXXX charge at XXXX XXXX XXXX XXXX. I Called XXXX XXXX and they stated I do n't owe anything, my balance is {$0.00}. I also called the collection number and spoke to XXXX. She confirmed that I am not the person they are looking for, but wants me to fax her my ID and social security number. Should I Do it? 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I refinanced a loan held by Wells Fargo home mortgage company. It was paid in full by the new mortgagor and the excess escrow funds, totaling over {$6000.00}, were to be refunded to me by Wells Fargo. In nearly a decade, every monthly payment due to WF was made early. When the escrow funds did not arrive after more than two weeks, I called on XXXX XXXX and was told that the status of the refund was unknown, but a check 'is usually ' issued within 15 days after closing. After waiting several more days, I called on XXXX XXXX to inquire about the status of the funds. It seems that the bank 's records indicate that the funds were disbursed on XXXX XXXX, and 11 days later their location was still a mystery. ( How the bank did not know that the check was supposedly mailed a day before my call on XXXX XXXX is a head-scratcher. ) As of today, XXXX XXXX, 2015, more than 3-1/2 weeks has gone by and the bank seems unable to account for my money. I have requested a wire transfer of the funds to XXXX of XXXX other WF accounts ... both in the same names as the mortgage, but WF has refused, stating some concern that the mortgage is in XXXX names, so they can not do a wire transfer. XXXX ... .the names on the checking accounts and the mortgage account are the same XXXX people..my wife and I. 

It is becoming clear to me that WF may be holding my money in a float account in order to earn interest on the funds, while paying me zero interest to the funds owners. If every escrow account is similarly held for at least 15 days, and perhaps longer, the total figure is substantial. A bank who invests substantial money in creating software that bounces the maximum number of checks in an overdrawn account ( to maximize the fees they can charge ) gets little benefit of the doubt from me. 

Company response: Company chooses not to provide a public response
Consumer complaint: westlake auto finace did loans with them as an agent they then canceled my contract 4 years ago they then funelled my coustmers to other stores now there comming back 4 years latter saying i have XXXX in buy backs my contract said i was on first payment recourse all of these XXXX coustmers made XXXX to XXXX payments they harrassed them called there niebors family freinds anybody nothing the truth im XXXX years old retired XXXX ive tried to reson with them but there atty said it more fun to go threw court there using corprate money to exort money also they have to give these XXXX people setllments to they are already trying to double dip i also have proff tht they had my gm signing fake contracts 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 'm sending this email with regards to poor customer service experience I had on Friday XXXX XXXX. 

I was calling into Wells Fargo Customer Service to inquire about a over draft transfer fee I received on XXXX/XXXX/15. 
My concern is on XXXX/XXXX/15 at XXXX CST a Wells Fargo to Wells Fargo deposit was made to my account which would have added to the {$100.00} available balance that was already in the account and would have been more then sufficient funds to cover the monthly automatic debit for {$53.00} charge in which I incurred the over draft charge. Wells Fargo should have posted this deposit immediately given that it was a Wells Fargo to Wells Fargo transfer. 
Later on that afternoon I went to the store around XXXX XXXX CST which is the XXXX charge they also posted before posting the deposit. 

My point here is that Wells Fargo once again maliciously posted debits before the deposit in order to get the over draft charge. This is happens too frequently to my account when I have bills set up on auto pay they will wait until the funds are low and post them all at once which causes me to over draft my account with a pay day pending. I have had to stopped any automatic debits to this account except those I could not halt. 

In this instance my deposited funds were pending for an entire day and do not show posting until XXXX/XXXX/15 ( the following business day ) how is this possible when it is coming from another Wells Fargo account? 

When I contacted customer service to ask my questions I was told by the first CSR that they did n't have the ability to see the time of the posting therefore I would have to talk to the online banking department. I was transferred to a woman around XXXX XXXX I explained my situation to the analyst ( My error in not writing down her name ) and she could not explain to me the times the funds posted ; she did however, hang up on me after I became frustrated with her circling around and not answering my question as to why the deposit made on XX/XX/XXXX was still showing pending. Her words were " thank you for calling have a nice day '' and she disconnected the call. At no time did I indicate my conversation was finished. To further my frustration when I called back in attempt to get the name of the CSR that hung up on me and spoke to another CSR XXXX who states he can not view who I was speaking with at which point I asked for a supervisor the supervisor XXXX XXXX then got on the phone did not ask the reason for my call did not greet me in a professional manner but instead was very unprofessional and advised me that she was heading into a meeting and would have to call me back. I have yet to receive a call back from XXXX. 
I have been a customer of Wells Fargo bank for almost 17 years and am in complete dismay over this ordeal. I will be closing both of my accounts with Well Fargo. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have reason to believe my bank is structuring my transactions in a way that generates maximum overdraft fees. In the past three months, on at least XXXX occasions, I have been hit with as many as XXXX overdraft fees on transactions that could have been covered if the bank ordered them smallest-to-largest, or even if they took place in chronological order. The bank now wants me to switch to a savings account that would refuse to honor the purchases XXXX but which would mean I 'd receive fees from the company I was attempting to pay ). 

Company response: Company chooses not to provide a public response
Consumer complaint: I obtained a purchase money first loan XX/XX/XXXX, I am the only person on the loan and my partner is on title only. XX/XX/XXXX after applying for a modification I noticed that my documents showed the loan was held XXXX. After applying for the modification I checked at the courthouse and XXXX had transferred servicing of my loan to Wells Fargo. Nether Wells Fargo or XXXX notified us of this action. XXXX held my loan for XXXX years despite not being a loan service. Federal law requires we be notified and to this date that has not taken place. 

Company response: Company chooses not to provide a public response
Consumer complaint: My home is being sold by Wells Fargo after I have attempted to modify my home loan with them twice. I submitted all of my documentation, twice, and after review, Wells Fargo understated my income and denied the modification. They then told me to apply again, which I did, and they denied it again. They have been rude, changed contact persons multiple times throughout the process, understated my documented income to insure I did n't qualify, and now set my property up for public sale without informing me. I found out about the pending sale via a number of solicitations from law firms. I contacted Wells Fargo and they assured me they would overnight information to me. The sale is set for XXXX/XXXX/2015 and they still have not sent me and information or formal notice of the pending sale, in violation of Federal law. 

Company response: Company chooses not to provide a public response
Consumer complaint: we have been contacted by hunter warfield collection agency approximately 5 times. each time we requested paperwork sent through the mail for official verification. each time I provided my address and each time I was told that I would receive it within 7-10 days. I have never received anything. the last time they called me they were extremely rude and disrespectful. they argued with me and said they sent it when they never did. we told them we had no problem paying them as long as we received something official in the mail. they argued, their supervisor argued and then they hung up in my face. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I had lived in California for about three years and had opened a Checking account with XXXX XXXX XXXX. I had NO outstanding balance owed to this credit union and they have unlawfully affected my credit score by claiming that I owe a balance to their banking establishment. I refuse to have this petty claim affect the credit records I have been tracking. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was approved for the Macy 's store credit card in XXXX, 2015. Two weeks later I applied for the Macy 's American Express credit card and was approved. On XXXX XXXX, 2015 I received a letter from Macy 's providing the pin number for the American Express card. I immediately called Macys and informed them that I still have n't received the credit card. I was advised that the card would be closed down and a new one would be sent. I called them back on XXXX/XXXX/15 and informed them that I still have n't received the credit card. Was told once again that a new replacement card would be sent out. On XXXX/XXXX/2015. Still no Macy 's American Express credit card. When I called them on XXXX/XXXX/2015 I was told due to all the issues of not receiving the card that they would overnight it to me free of charge. On XXXX/XXXX/2015 I received the so called overnighted card. Not only was it not overnighted as I was promised, it was a replacement store credit card. I never requested a replacement store credit card. I never advised Macy 's that my store card was ever lost or stolen. So why was I even sent a store card to begin with. As of XXXX/XXXX/2015 I still have n't received the Macy ' American Express credit card that I was approved for over 2 months ago. They cant claim address problem. I did receive the letter containing the pin number. Even after I moved I purchased a {$1100.00} mattress set within the last 2 weeks which was delivered to my new home address they now have on file. Their customer service department is just completely terrible. 

Company response: Company chooses not to provide a public response
Consumer complaint: Our VA mortgage is financed thru Freedom Mortgage, they called and said they wanted to reduce our mtg. by XXXX % - just because ... he said they would send electronic documents to sign. I told him I wanted full disclosure he said no problem. When I review the e-docs I did not like what they said, did not sign and sent an email we were not interested. I have sent XXXX emails telling them we are not interested. This morning I got email that said " congratulations on you loan application, now sign these additional docs ''. We never signed anything, electronic or otherwise. I have emailed them again and still they are saying we need to submit additional docs to " lock in our rate ''. We do not want this, they are our current VA Mortgage servicer, I am now afraid of them and do not trust them. What can I do? 

Company response: Company chooses not to provide a public response
Consumer complaint: I entered Experian website to get credit report. The screen where I was to enter my credit card number to receive this information showed a {$1.00} charge. AFTER I entered this information, the NEXT SCREEN indicated I would be charged {$39.00}. 
EXPERIAN is dishonest and should be fined for this deception. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been trying to get a loan modification on an FHA loan for over 2years. I was unemployed and now working XXXX jobs and my father has committed to assisting me with paying my monthly bills. Bank of America has refused to assist in making my monthly payments affordable, continuously request the same documents, change contact representatives, refuse to provide documents related to the loan, account and other information, and failed to review the most recent application and requested that I resubmit. I believe I am a victim and the bank is guilty of improper handling of my account and it is more of a financial incentive for them to foreclose at this time versus modifying the account and allowing me to remain in the home and make an affordable payment. I have done everything I know to do asked what income will allow me to stay in the home to get additional income and they have refused. I was told by a representative to " make sure I have a plan B ''. 
I would appreciate any help as it relates to this matter. 

Company response: Company chooses not to provide a public response