AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have XXXX sub-prime loans with Wells Fargo Bank. XXXX loan that I owe I have been paying. The other loan which I believe is fraudulent is behind in payments. Wells Fargo has sent an intent for foreclose based on the loan that is behind in payments. I understand that but they also have reported the loan that is not past due in foreclosure and added additional charges to my last XXXX statements based on their procedures to foreclose. They have also reported my account that is up to date and current past due. The additional charges they have place on my loan that was current have cause the interest payments at 8.6 % daily to increase making the amounts I submit for payment less on my loan and more in fees and interest. Can they do this on a seperate loan and still charge me fees on the one that is past due. Since I have asked the numerous time to combine the loans and they refused - seems strange to me how they can put charges from XXXX account on to a seperate account if they are not connected? 

Company response: Company chooses not to provide a public response
Consumer complaint: take the excessive hard inquiries from XXXX XXXX 2015 off credit report. only XXXX authorized was XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a vehicle and the loan company was XXXX XXXX XXXX. Back in 2011 approximately the vehicle without notice and owing only XXXX payment plus the current after that month due. They went to my job without warning to repossess my pick up truck. I called the dealer XXXX name is XXXX XXXX and explained the situation they were not helpful at all. 
I asked them to cancel the gap insurance and the warranty insurance. I was told that the money was to be applied toward the loan company. 
Left it as is. Then I received notice from the loan company stating that the vehicle in question was sold in auction and that I only owed XXXX dollars. then they send me another notification that it was considered a charge off. 
Then as of month ago my wife and I have been receiving threatening calls that we owed XXXX and that we could settle for XXXX. 
My wife explained the situation and the were threatening us for the total amount due, of which is inaugurate. The calls did not stop until we told them that we were going to file a complaint through the Federal Trade Commission. They were `very nasty towards my wife. 
They got to a point where every day they were calling my wife had to go thru a hard time of being blackmailed. Even when they told her that they needed the money right away. We explained to them that mount was crazy. They kept on calling until we told them we were making a complaint then they told her that the calls were stopping. I gather information that is relevant to this case Spoke to XXXX XXXX at Mercantile Adjuster Bureau he is the vice president XXXX Their number and address are as follows XXXX XXXX XXXX NY XXXX XXXX there is deficiancy of XXXX. When we received the auction papers thje vehicle was sold approximately XXXX keeping the gap insurance and the warranty. They do not want to go into details and told my wife that they were sending us a validation of the account their reference number is XXXX. XXXX XXXX XXXX account number XXXX. When I called them they had a recording the the debt is XXXX. 
This is a joke can not comprehend this at all and need your help figuring in a prospective that I can understand they can not come years and years the fact ant tell us this. Your help in this matter shall be greatly appreciated. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My account was closed by Wells Fargo. Before informing me that they were closing my account, I deposited XXXX checks using at a Wells Fargo atm. The checks were NOT processed by Wells Fargo, and were immediately rejected because the account was in the process of being closed. This occurred on XXXX/XXXX/15. 
I would like the checks returned so I can deposit them into another account. 

Company response: Company chooses not to provide a public response
Consumer complaint: Around the middle of XXXX XXXX 2015 XXXX, I missed placed my debit card and I, unfortunately, bank with Bank of America so I could not make any transactions, because my account was a paperless account. I was charged around {$21.00} dollars for my gym membership which left my account with $ XXXX dollars. Before I was notified my account was over drawn, Bank of America charged me an overdraft fee of {$35.00} dollars on top of my $ XXXX dollars. Which left my account at $ XXXX dollars. I called as soon as I found out about my XXXX overdraft fee, they told me there was nothing they could do for me except send me a new card and that was fine, the day after i called Bank of America decided to charge me another fee of {$35.00} even though they knew there was nothing i could do until i got my new card. After a few calls i paid {$86.00} dollars that i owed and decided to let it go. On the XXXX of XXXX XXXX 2015 ) i was charged {$46.00} dollars by my gym and XXXX again another {$35.00} dollars on the same day XXXX XXXX XXXX ) with no warning or time to deposit money in my bank account. This is the prime example of legal money laundering. I am a student who works seven days a week, lately, only to pay all my debts to bank of america. This whole situation resulted in me paying {$160.00} of my hard earned money to this fraudulent bank. I am hoping to take action to prevent this from happening to someone else. 

Company response: Company chooses not to provide a public response
Consumer complaint: My issue is with a car lease. The car was not repossessed. It was surrendered because of a very serious safety issue with the car. The company did not resolve the issue in a timely manner. My son had to drive the unsafe vehicle back to the original dealer, which was an hour of driving the vehicle. His life was at risk driving this unsafe vehicle. No loan car provided. XXXX resolution center was of no value in helping us resolve this issue. Weeks of talking to representatives, opened a case with XXXX. The facts were not correct on the report on their behalf. The worst service I have ever had. XXXX leased a car to me after the fact without a problem. Also just paid a lease off for my XXXX. My credit is excellent and this unfortunate issue of " safety '' is hurting my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX credit cards with home depot. I normally pay my bills in full each month. Last month, I missed paying the bill on XXXX of the cards. When I recieved my new statement and noted my error, I also noted the bill was now not due until XXXX and the late payment fee was XXXX. Since XXXX XXXX I have recieved no less than XXXX phone calls from CITI wanting money. I have verbally advised them they are harrasing me and requested they stop. They have not. This is not accpeptable behavior for a credit card company. 

Company response: Company chooses not to provide a public response
Consumer complaint: only autorized XXXX pull on XXXX XXXX 2015 and that was XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I took out a loan with Cash Call back on XXXX/XXXX/14 for {$10000.00}, loan id # XXXX. The interest rates were very high and I had a few other loans out so I was working with a debt consolidation company to combine my bills and make XXXX payment at an affordable interest rate. Cash Call refused to validate the debt and would not work with my debt consolidator. I was then advised that Cash Call was being sued by my state ( CA ) and the state was requesting to revoke the companies license due to illegal loans and to not pay the debt. Cash Call sold my loan to another party ( XXXX XXXX XXXX XXXX XXXX ) who is calling my family members requesting me to call them back and trying to collect on the loan. I have requested them to send me a letter via mail verifying the debt which they have not sent yet only an email demand letter. They are demanding payment of {$10000.00}. I am concerned this company is not legitimate and with Cash Call getting into trouble for illegal loans am not sure if this debt is valid. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: This complaint is being written due to the nature that this company conducts business and the tactics in which they have attempted to scare and create fear. I completed a title loan with this company a little over a year ago. I made payments per the agreement each month until XX/XX/XXXX when I was forced into XXXX and unable to work. During that time I attempted on numerous occasions to try and rectify a remaining balance with this company for about {$1100.00}. Due to my unemployment circumstances I was only receiving a small amount of money a week from the state. I contacted this company and have been verbally abused, treated unprofessionally, and threatened with legal action up to and including jail by this company and its affiliates. I have tried numerous times to pay this company {$100.00} a week from my unemployment compensation until the balance is paid. Which per the amount would be just shy of 3 months. However over the past 30-45 days I continue to receive harassing phone calls by the company refusing to accept resolution payments, but also by the recovery company which they have hired that continues to call me at various hours outside of the FDCPA allowed XXXX-XXXX, making threats of Jail and Lawsuit. Going so far as to represent themselves as a state/federal agent for the purpose of threatening and attempting to instill fear and confusion. I am absolutely appalled that a company would not only flat out deny money being paid to them, but do so in an attempt to make erroneous statements and cause undue stress and frustration. If they are unwilling to accept resolution options than I am at a loss for how else to rectify this situation and stop these repeated threats and harassment. No company should be able to attempt to bully a consumer, especially when the consumer is trying to resolve the issue, just in terms that may be more specific to my needs at this time. I am not attempting to avoid the matter but can not continue to deal with the stress and aggravation of dealing with a company who refuses such resolution. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We got home phone service from XXXX XXXX XXXX XX/XX/XXXX. We immediately received automated telephone system calls every weekday and they want to speak to XXXX XXXX. These automated calls do not allow you to simply press a button and speak to someone. You have to write down their number and call them. We registered our home phone number on the do not call list on XX/XX/XXXX because of these calls. I filed a complaint with the FCC on XX/XX/XXXX. 

I notified the caller on these dates and times to stop calling and that we do not know XXXX XXXX, we are on the DNC list and we just received the new phone number. I begged them to stop calling. 

XX/XX/XXXX at XXXXXX/XX/XXXX at XX/XX/XXXXJust per review of the incoming call records from XX/XX/XXXX - XX/XX/XXXX and in that 18 days they called us 19 times, including 8 times ( every single weekday ) after the second notification on XX/XX/XXXX. 

They use several different telephone numbers, which they continually change so you can not block them, XXXX : //XXXX They also use different company names, e.g., XXXX XXXX XXXX , XXXX.XXXX PCHarris & Harris XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX. 
Harris and Harris of Illinois, Ltd. 

This morning their call right after XXXX woke up our child. Please make them stop harassing my family. Thank you! 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: XXXX XXXX charged me a bill I did not owe. They also put XXXX separate charges but XXXX separate collection agencies on my credit report. After a few disputes XXXX was deleted. However the other remained. Both XXXX and the collection agency Enhanced Recovery keep passing the buck saying I owe this charge. Most recently I just received a noticed addressed to a former resident of my address with the same XXXX charge info. I had no knowledge of the prior resident I just happened to open the wet letter to see what it was in my mailbox. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have had the same mortgage payment since purchasing my home in XX/XX/XXXX. In XX/XX/XXXX I received a mortgage payment statement increasing my payment by about {$300.00}. When I attempted to call the lender it took three days to get in touch with anyone. Finally I was notified by the lender that I was sent an escrow analysis ( which I did not receive by mail ) and they have found there was an error made and for the past two years they have been not charging me enough PMI and now I owe the difference for the past two years, therefore significantly increasing my monthly payment. I can understand small increases due to insurance or taxes, but because of an " error somewhere '' I am now unable to afford my mortgage. 

Company response: Company chooses not to provide a public response
Consumer complaint: The cash store in XXXX IL over drafted my bank account {$300.00}. Their so called collection agency XXXX XXXX XXXX called me and wanted me to set up a payment plan. I looked up my credit report and they are not on there. I think they are a false company and would like them to stop harassing me. I want my {$300.00} back and be able to set up an actual payment plan with a legit collection agency. 

Company response: Company chooses not to provide a public response
Consumer complaint: The lender quoted me the estimated settlement or " closing costs '' and their " credit '' that they would apply to those costs, and sent me a Good Faith Estimate. They quoted an interest rate of 3.875 and credits of {$2100.00}. They did tell me that until my Home Equity Line of Credit lender signed their Subordination Agreement, that they could not lock in the interest rate that they quoted me. They said nothing, however, about doing away with or changing the credits against the closing costs. I checked the document that I signed and see no language about the credits against the closing costs being subject to change. Here is the language : and agreed to on XXXX that the rates and PF credit could change also indicated in the subordination agreement you acknowledged before getting started. " Once the Subordination Agreement is received and approved by Provident Funding, I can lock an interest rate, subject to current market rates and pricing ''. Nothing is stated about the closing cost credits being subject to change. First off, I see no reason for the lender being unwilling to lock in the rate while waiting for the Subordination Agreement, and making the rates conditional upon the receipt of that Agreement, but they were unwilling to do that. I was unaware, however, that the credits against the settlement charges were subject to change as well -- that seems unfair to the consumer. Here 's why -- if the credits go away or are substantially changed when the lender is finally willing to lock in the rates, the borrower is stuck with the out of pocket expense of the Appraisal -- which in my case was {$470.00}. That 's a lot of money to the average consumer! So now, if I 'm not happy with the new " bait and switch '' rates and credits that the company is now quoting, I have no choice but to be stuck with the out of pocket expense of {$470.00} -- which I have been informed by several mortgage lenders is not transferrable to another lender! I have to pay that money all over again. They have me backed up against the wall and seem to be able to quote anything they want at this point! How is this legal and fair? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received an alert that my Citibank credit card account had been compromised and to call them ASAP. When I called, I was told that a vendor I had used had been hacked and that my number was on the list of stolen numbers, and that my card should be shut down immediately. But they would n't tell me which vendor, and then they refused to send me the replacement card before closing the account -- which is incredibly inconvenient because I have many automated payments scheduled. I do n't see why they ca n't send out the replacement card with the new number before closing the old card, that would be more convenient for customers ( especially when we 're not responsible for this fraud in the first place ). 

Company response: Company chooses not to provide a public response
Consumer complaint: Our sales closing date was today, XXXX XXXX, 2015. 

XXXX XXXX - Our loan application package was submitted in full with the understanding from our chosen lender that " as soon as all the papers are verified as received, we will pass them to the underwriter '' - every. single. document. requested was provided to the lender and the lender confirmed receipt in full. 

**XXXX! ** XXXX - The package was given to the underwriter. 

XXXX XXXX - a few additional documents were requested. These were provided by return email within XXXX business hours. 

Monday, XXXX XXXX - was a holiday. 

Friday, XXXX XXXX at XXXX - the lender requested ANOTHER document. 

Monday, XXXX XXXX at XXXX XXXX - the requested document was sent by return email with a gentle reminder that we were scheduled to close on Tuesday, XXXX XXXX. 

Monday, XXXX XXXX at XXXX XXXX - we were phoned and told the closing documents would not be ready by XXXX XXXX at XXXX XXXX and that the lender would call in the morning and " let us know when the documents could be ready ''. 

After no call in the morning, our realtor phoned and rec 'd voicemail and I emailed the lender 's manager for an update. The lender called and said " no closing today ... or tomorrow - the fully underwritten package would be sent to the MI company on Wed, XXXX XXXX. ( WHAAAATTTT???? ) and perhaps close by Friday, XXXX XXXX ...? '' PERHAPS???!! ... .by ... ..Friday???! 

What is our recourse? Who compensates us for the loss of income for the days we have taken off of work to close and move? for the current lease that has been cancelled? for the movers that have been scheduled? for the family that is now unable to move in here because we can not move out? for the pre-move-in renovations and repairs that can not now be done because the builders and contractors are fully scheduled for the rest of the summer and fall? Who watches our dog during the move because the kennel is now full with summer vacationer 's pets? 

I mean, EVEN IF THE LENDER HAD DENIED OUR LOAN 5 WEEKS AGO!, we would be better off than we are now. Had they said WE WILL NOT TOUCH YOUR DOCUMENTS UNTIL THE END AND THEN, WE PROBABLY WILL NOT MAKE YOUR CONTRACTED CLOSING DATE, we could have arranged a lease/purchase with the sellers and moved on time. 

IF THE FAULT WAS OURS, we would eat the delay and apologize profusely, but we had no fault. Our package was complete and the requested additional documents were minor, and WE GAVE THE APPLICATION PROCESS EIGHT WEEKS. 

There was no reason for us to believe the lender would not meet our extremely generous future close date. 

What can be done to close tomorrow, Wed XXXX XXXX? Does the CFPB have any pull to coerce an immediate solution? An immediate close?? 

Or can you only listen to us complain about a broken system? 

Lenders need some serious XXXX XXXX. 

... and some financial penalties TO. THE. BORROWERS. when they have been such pompous and ignorant butts about the whole ordeal. XXXX knows if my mortgage payment is late - " ... maybe Friday ... '' - I 'll pay a financial *and* a credit bureau penalty. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is an account listed as in collections from XXXX XXXX. I do not know where this account came from as I have never been to XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Attempting a mortgage refinance, property title report came up with a open line of credit from XXXX. Lending bank will not complete a re-conveyance of the loan without a complete copy of the loan which they say I must provide. Nothing on record at county recorders office regarding this loan, lending bank informed me my only option is to get a Title Attorney. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX hired XXXX XXXX XXXX of Mitchel Rubinstein and Associates to collect a debt. We had an agreement post judgement. I paid the debt and now he is asking for money for his cost. I have asked for a itemized list, notice of his cost, which he can not provide. Second, we had a agreement and he has not given notice of satisfaction for the debt being paid. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We took out a loan modification with Bank of American that was completed on XXXX/XXXX/2015. The loan documents should have been sent to the XXXX XXXX Recorders office in XXXX XXXX, NV on XXXX XXXX. They were not and have not been sent as of today 's date of XXXX XXXX, 2015. We have called Bank of American on numerous occasions each time speaking no less than XXXX hours while being passed from person to person and department to department. Each time we have been assured that the document was sent except for XXXX time being told it takes the recorders office XXXX days to record a document ... that is there standard pat answer. I both called and visited the Recorders office in person. They told me on XXXX occasions that it takes only XXXX days to record a document once it is received. The recorders office gave me a print out showing all documents that have been received and recorded on our property. The loan modification is not on the list! We spent XXXX hours speaking to Bank of American on Thursday and another hour today and nothing has been resolved. We are considering selling the home but no realtor will list the house until the recording of the loan mod is done. We do not feel that we should be required to make payments on a home that is not recorded in our name or that we should stop making payments which would have a negative impact on the credit we are trying to rebuild. In addition, BOA forced insurance on the property. The insurance they have only protects their interest in the loan balance and not our equity. We purchased a policy with the United States XXXX XXXX XXXX on XXXX XXXX, 2015 that protects the interest of XXXX parties. A copy was sent to BOA by the insurance company on XXXX XXXX, 2015, however, BOA has for XXXX months insisted that they did not receive it. So we are left paying for XXXX policies, XXXX from the escrow account and XXXX from our pockets. On Thursday they finally took the insurance information from me but have given me no proof that they actually put the information into the system. There is no reason for BOA to delay in sending the documents. 

Company response: Company chooses not to provide a public response