AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Dear Sir/MadamOn XXXX XXXX XXXX after Wells Fargo sold the house located at XXXX XXXX, XXXX GA XXXX, I received this letter. 
First, from XXXX XXXX, XXXX to XXXX XXXX, XXXX, we reviewed your account XXXX times for possible payment assistance options. FHA guidelines require that you occupy the property as your primary residence. Your account didn '' t meet the guildelines since your account was not listed as your primary residence. 
My response was the bank executive customer recovery group lie. This property is listed as my primary residence. My driver license, my voter registration card, my utility bills, my car registration, my termite bound, my car insurance, and lawn care company, all have the same address. In addition, my tax return had the same address. Furthermore, I paid State tax in Georgia. The house was my primary residence. 

Second : I have submitted all requested documents for the modification and they are requesting new documents. 
The bank said that we are unable to initiate another review for available payment assistance options prior to foreclosure sale date of XXXX XXXX, XXXX, because we did not receive proof of occupancy. 
My response was the package had my XXXX Federal and State Tax returns. Also, included a copy of my driver license. If a utility bill was requested, I could have sent it tooThird : I requested that Wells Fargo rescinded the sale of XXXX XXXX, XXXX. 
Wells Fargo said that due to the outstanding items listed above, we require more time to resolve your inquiry, but will have a final resolution to you by XXXX XXXX, XXXX. 

Yesterday, XXXX XXXX, the bank representative, XXXX XXXX told me that the sale is final and she will send it in writing to my address XXXX XXXX which was the residence and the mailing address listed with Wells Fargo in the recorded conversation. 
I disagree vehemently with the bank action. As you can verify in their own letter they did not initiate a review of the XXXX completed Federal application submitted on XXXX XXXX, Moreover, they did not review the internal Wells Fargo own application for assistance. Their own appeal form which authorized the customer right to a review was denied. 

At this point, the bank has violated my right to a review of the Federal application HAMP. Then,. I requested to XXXX XXXX of Wells Fargo if there is any other way to save my house. There was no answer. The only reason I was fighting for my house was I removed money form retirement account to keep the house during the depression. I hope at CFPB an official will look at this complaint and stop any malfeasance of the bank to other minorities. The FHA guidelines were not followed in this sale. I have been locked out of the house for two weeks since XXXX XXXX XXXX XXXX took possession without aneviction notice. 
In Conclusion, my lawyer has submitted all paperwork required for the modification. The bank still denied me due process to the right of a modification. I believe this is pure discrimination against me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a XXXX XXXX Credit Card with Wells Fargo Bank. Rather than receiving the card I applied for, I received a different one with far less advantages and that I had not applied for. When I called to inquire as to the reason I was told that my XXXX credit was in the XXXX and thus insufficient for the card I requested. 
Today I have checked all my XXXX reports and none of them is below the XXXX. 
This same credit card switching practice happened to my husband about 2 months ago 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed the Judgment on my Experian report XXXX times, twice sending them a copy of the judgment showing where it was cancelled in XXXX 2015 and should be removed from my report as XXXX and XXXX have already. They still show it as satisfied and it should be removed being it was cancelled/voided. 

Company response: Company chooses not to provide a public response
Consumer complaint: The account is XXXX in which I was a authorized user on my mothers account ; The account was not closed and is still active. I am just removed as authorized user because I applied and received my own account with XXXX. Regardless this states that the account was terminated by credit grantor and it was not. Please update your records to reflect these changes. 

Company response: Company chooses not to provide a public response
Consumer complaint: The account was in my name, but my husband managed it during our marriage. Once the divorce dust settled, I had control of the card, with a XXXX balance and a $ XXXX limit. However, I did *not* have access to the online account. I could n't pass the security questions, since I did n't know if " father 's middle name '' meant *my* father or my ex-husband 's father. And since the account had been active for at least XXXX years, I did n't know which phone number, address, or even state they were asking for. I called the Bank several times to tell them that I did n't have access, especially since they sent all communication and statements to the online account. All anyone would say was that they did n't have access to my account and could n't help me. Throughout XXXX years of unemployment, I tried to find work, but could n't. I ended up borrowing about $ XXXX against the card. I managed to continue payments, even as I was losing my house. I discovered that my online statement was n't what I thought it should be, but I could n't get into the online account to find out what was going on. Again, I contacted the bank, but found no help there. I finally found work in XXXX. Before leaving, I went to the bank in person, although I had never banked with them face to face. The banker took over an hour calling various people, but was finally able to figure out what had happened. At some point, they had raised my interest rate -- informing me via the online account. My regular monthly payment was then less than the amount due, and so incurred penalties and interest. That then raised the payment due, which had a snowball effect. I was then nearly $ XXXX in debt to them, almost as much as the total I had borrowed years prior. The bank and I reached an agreement in which the card was canceled and I would make payments of about $ XXXX for XXXX years. Realize, as I pointed out to them, that since I was moving to XXXX, I could easily have skipped out on the debt. However, I wanted to do what was right. After XXXX years of payments, I received a statement via email with the total in the body of the email, not in the online account. I was shocked to discover that the total owed had not changed. That told me the bank had continued assessing penalties and interest. I stopped paying. Now they are trying to serve me with a summons for a lawsuit, again for just under $ XXXX. Granted, they wo n't have much luck with that with my living in XXXX, but I still hate that I owe these vultures anything. I ca n't prove anything, since any paperwork we signed will be in a file somewhere in a storage unit in Maryland. I 'm going to have to scrounge to even find the account number! I would have no problem declaring bankruptcy, but now that my mortgage has been foreclosed on, I do n't have any other debts. I also do n't own anything ( house, car, property, etc. ) 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX screwed me up after I closed my account with them with no balance because they said I owed them {$40.00} after I had already closed my account and they never notified me of this after we had mutually parted ways. They kept reporting this on my credit and when I found out about it I called and gave them the {$40.00}. To this day this is till negatively affecting my credit and I feel like they violated the credit consumer laws by not notifying myself in writing about the unpaid balance after I had successfully closed my account with them in good standing and with no balance due. 

Company response: Company chooses not to provide a public response
Consumer complaint: A recording from Focus Receivables Management keeps calling saying that they are trying to collect a debt. Sometimes I pick up, but there is no real person to tell that they have the wrong number. I do not know if they are the same people calling my cell, but someone keeps calling my cell to collect a debt. Once I talked the the cell phone people and determined that it is a scam. However, they keep calling and harassing me. I manage all of my debts carefully and have checked my credit report. The debt is not mine or they are a scam. The number that they tell me to call for Focus Receivables is XXXX. The numbers calling my cellphone include XXXX. I block them each time, knowing they are a scam. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Wells Fargo has been my mortgage carrier since XXXX. I have a conventional, fixed rate mortgage with PMI. I am now trying to cancel the PMI as I know the cost of my home increased. I applied for the PMI cancellation and paid for an appraisal from the Wells Fargo approved evaluator, XXXX XXXX. XXXX conducted the appraisal on XX/XX/XXXX and responded via email on XX/XX/XXXX with the result ( see documents attached XXXX. According to XXXX XXXX my home value has increased and the amount assessed qualifies for PMI cancellation. Wells Fargo is not approving the cancellation until after my 2 year mortgage closure on XX/XX/XXXX. According to Wells Fargo, my investor, XXXX XXXX, requires appraisal value only on terms of structural improvements. Please see page XXXX as the communication is contradictory. I 've spoken to a representative and manager at Wells Fargo already. Please help. 

Company response: Company chooses not to provide a public response
Consumer complaint: Att : XXXX XXXX am not sure if the CFPA is the agency that I should be writing to but here is my story. 
I live in a XXXX bedroom in XXXX California with a normal mortgage, back in XXXXthere area where my home was located flooded. We had about XXXX inches of waterin XXXX rooms. 
The city of XXXX elected to designate this portion of the city as a flood zone. 
This in turn required me to take out flood insurance at about {$1000.00} a year since 1982. 
I have been paying this over the last XXXX years or {$33000.00}. 
Needless to say we have never had another flood. 
I have tried relentlessly to find out how I could get out of this insurance to no avail as thecity has stated that this is a flood zone and the mortgage company has required that I have flood insurance. 
I have tried to contact the XXXX XXXX XXXX XXXX over the years and all of my letters have just fallen on deaf ears. 
I saw an article in XXXX XXXX regarding CFPA and thought I would write to you to see if there is anything you can do to recover any monies that I had paid to the XXXX. 
I am XXXX and on a fixed income. 
Thank you in advance and and if there is any thing you can do, it will be greately appreciated. 

Company response: Company chooses not to provide a public response
Consumer complaint: My bank charges overdraft fees when an account overdrafts due to a bank fee. This is unfair. If my account has {$5.00} then the monthly service charge hits my account in the amount of {$12.00}, the bank then charges an overdraft fee when that overdraft was a result of a bank fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: turned into collection agency from XXXX/ for a debit I was handling with my insurance company. debit turned over to Credit Adjustment XXXX Inc. XXXX XXXX XXXX XXXX XXXX AZ XXXX acct XXXX XXXX XXXX, clt..acct # XXXX 
Arrangements were made and a monthly payments has been in a timely manner for months. Please remove this issue so I can regain my credit score. XXXX is the lady I spoke with at credit agency stating to contact you as a credit report was done yesterday with poor rating. Please call me as XXXX if any further questions or email me at XXXXXXXXXXXX matter needs to be resolved asap. 
thank youXXXX XXXX XXXX XXXX XXXX, AZ XXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: THEY HAVE MULTIPLE NAMES AND ACCOUN.T I HAVE ACT ALREADY PAY OFF AND MULTIPLE ADREESSES. I HAVE LIVE AT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AND AT XXXX XXXX XXXX XXXX XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015, I went to a Bank of America ATM, located at XXXX XXXX XXXX, XXXX MA. When I went to the ATM, I deposited {$550.00} in cash and {$320.00} in checks. It processed the cash and " ate '' the checks - it took them into the machine and failed to acknowledge the action. It gave me no option to return the checks to me. 

I immediately called Bank of America and alerted them that the ATM had not confirmed my check deposit and was not following typical behavior. I was told that it was 'not a problem ' and that in 3 business days the checks would appear on my account. After 3 business days, I did not see the checks so I called Bank of America. 

They told me then, that they would investigate the issue and get back to me within '6 weeks. ' They temporarily gave me the missing {$320.00}. After 6 weeks, I was told that I was out of luck - that I had to have the checks reissued, and that there was nothing they could do. They then removed the {$320.00} from my account. I raised the issue again, as I feel this is unacceptable, and they took another 3 days to look further into the matter before restating that there was n't anything they could do. They could locate my transaction ( the deposited {$550.00} in cash during the same transaction ) but 'could not locate the checks. ' 

Company response: Company chooses not to provide a public response
Consumer complaint: My loan was through an agency that close and right now is going through a bankruptcy. The school I when to broke state law and I am in the process of have any loans with the DOE placed in a forbearance. I need to have my private loans with genesis removed from my credit report because I no longer have an account in default with genesis lending services. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have received a duplicate charge on my XXXX XXXX Credit Card. Barclay card has submitted me documents pertaining to the charge. I filled out all valid info and wrote detailed info as to why it was duplicated. I also showed what card they processed the refund on my contract. Barclay is telling me that they received my fax after the allowable time and will not process my dispute. They charged it back to my card and accrued higher interest adding to extra income on their side. I do not believe this is within the guidelines that a credit card company is suppose to act. I received the XXXX letter and submitted the documents via fax two days later. They advised it was after the 5 day period and ca n't process the dispute. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX of the XXXX credit reporting agencies would not give me my free credit report online. They said there was a error or mismatch with my information and that I would have to submit my request through mail for them to determine the issue and get my credit report from them. Both XXXX and XXXX did this when I tried to get my reports for free, but when I tried to pay for them on their websites, low and behold they were able to match and confirm my identity to give me my reports. This appears to be deliberate way to charge customers to get their reports by not providing them to them for free and making it labor intensive to get them ( through email and possible long wait time ). 

Company response: Company chooses not to provide a public response
Consumer complaint: In reviewing my credit report last year, it came to my attention that there is a derogatory and incorrect piece of information on my credit report. I contacted the company, XXXX, XXXX.directly and I provided the XXXX credit bureaus with the same information in XXXX 2014. I requested that XXXX, XXXX provide accurate information to the credit bureaus regarding this account. Specifically, XXXX , XXXX inaccurately reported a civil claim against me for an account that was paid in full when I learned that it was due and PRIOR to a court decision being rendered. To date, I have not received a response from XXXX , XXXX or any of the XXXX credit bureaus. This information remains on my XXXX and TransUnion reports but has been removed from my XXXX report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I TOOK OUT A SMALL LOAN AND PAID THEM OVER XXXX THEY WENT OUT OF BUSINESS ( XXXX ) I TRIED ON NUMEROUS TIMES TO CONTACT AND NOW THAT WE ARE TRYING TO BUY A HOME A SMALL LOAN IS NOW XXXX. XXXX WAS SHUT DOWN BY FEDS I READ SO NOW SOME GUY HAS BOUGHT THE ACCOUNT AND I AM TRYING TO SETTLE BUT THEY WILL NOT EVEN CALL ME BACK. I HAVE PROOF I PAID IT. IT TOOK ME AND XXXX XXXX TWO WEEKS TO EVEN FIND THEM THEY HAD SOLD IT SO MANY TIMES. THE INTEREST IS 97 %. THIS SHOULD BE ILLEGAL. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: On XXXX XXXX, 2014 we contacted XXXX XXXX, Wells Fargo Home Preservation Specialist, XXXX for assistance with our mortgage due to expenses arising from my wife 's continuing XXXX treatments combined with significant damage to our car when a truck lost tread on the interstate. XXXX XXXX immediately began the assistance process and sent instructions for submitting the required documentation, including XXXX pay stubs, my Social Security award letter, XXXX bank statements, and she additionally advised me to download the Homeowner Financial Assistance form. I was to fill-out Page XXXX, the Hardship Affidavit, and the Dodd-Frank Certification. During this setup process, we also spoke with a manager, XXXX XXXX, at extension XXXX, who was eager to help us through the process. I was told that while the Hardship Assistance application was in-process, however, I should not make any mortgage payments since it would unnecessarily complicate the review process, but that our credit would not be affected since we were in the assistance process. Therefore, the XXXX 2014 and XXXX 2014 payments were not made in accordance with these instructions. 
On XXXX XXXX, 2014, I was advised that the Hardship Assistance process was complete and that I was to start payments again effective XXXX XXXX, 2014 in the amount of {$1600.00} for six months, comprising the regular payment plus an additional amount to go towards the two payments that had been missed at the instruction of Wells Fargo 's Home Preservation Department. In addition, XXXX XXXX set up automatic payments for these amounts and confirmation numbers were assigned as noted below:XX/XX/XXXX/14 confirmation # XXXX for $ XXXX confirmation # XXXX for $ XXXX confirmation # XXXX for $ XXXX confirmation # XXXX for $ XXXX confirmation # XXXX for $ XXXX confirmation # XXXX for $ XXXXThese payments were all made on time as can be seen in the official Wells Fargo record attached to this complaint. However, it appears that these six payments were all reported to the credit reporting agencies as 30-days late, while the two payments not made in accordance with the instructions received from the Wells Fargo Home Preservation Department were reported to these same agencies as being 60-days late despite assurances to the contrary when I enrolled in the assistance process. 

When faced with a financial hardship, I took the responsible path and immediately contacted my lender to make appropriate arrangements. Furthermore, I fulfilled all requests for documents and additional information in a timely manner and made all agreed-upon payments on time. 

Therefore, in light of these facts, I respectfully requested that Wells Fargo immediately remove these incorrect derogatory reports from my credit record and show the payments as being paid " As Agreed '' which, indeed, they were. Today I was informed that Wells Fargo had " completed its investigation '' and determined that the credit reporting was correct and that they would so note on the credit bureau reports, but add a statement that I did not agree with their findings. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo violated the no oral modification clause in my mortgage and is not adhering to the terms of the mortgage requiring the escrow be paid in no more than 12 monthly payments. Further, the female borrower was able to amend the signed contract on a NEW escrow account and not a review of the escrow account. The male borrower required adherence to the original terms of the signed NOTE. 

Company response: Company chooses not to provide a public response
Consumer complaint: Payday loa lenders trap people with high interest rates and will not work out anyways to help the consumer. They would rather have the consumer over draft and be unable to pay loans. I would like to revoke authorization to my account because I have had fraud to my bank account. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Suntrust Bank has consistently reordered my transactions to charge me multiple NSF Fees. These small transactions were not showing as pending but as posted as early as 2 days before the charges were added. I had XXXX check outstanding and this was somehow placed before the other transactions so NSF fees could be charged. 

Company response: Company chooses not to provide a public response
Consumer complaint: Last ReportedXXXX XXXX, 2015Collection AgencyXXXXOriginal CreditorXXXX XXXX XXXX XXXX CHECKINGStatusOpenOpened DateXXXX XXXX, 2015Closed Date -- ResponsibilityIndividualBalance $ XXXX Balance $ XXXX for collection 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I continue to receive debt notifications from Machol and Johannes, despite my numerous attempts to verify the debt. In response to their initial collection letter, I replied with a request to verify was sent on XXXX XXXX, XXXX and XXXX XXXX, XXXX ( I have documentation to support my claim ). I did NOT receive a response with the verification that this was my debt and have not heard from them until recently. On XXXX XXXX, XXXX, Machol and Johannes sent a collection notice to an old family address in XXXX. It was to a residence I 've never lived at, as I have not lived in XXXX since XXXX. It was through various sources I found out about the collection notice, which was sent to a XXXX party. The only logical reason for them to contact an old family address is that the statue of limitations in XXXX is XXXX years in my resident state of XXXX. Another concern is if they take this alleged debt to court, there is no way I will receive the notice, as I do n't live in XXXX and have no family living at the address they are using -- and I will not have the opportunity to present my evidence disputing the claim. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Please file below with Transunion. 
Please note that below inquiries are duplicates as they refer to the same matter and the reporting is therefore incorrect. XXXX of each the following inquiry must be removed pronto from my credit reports:1. XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
2. XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
3. XXXX XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
Thanks for taking urgent action and to give priority to this matter as I need to clean my credit report from incorrect information which unduly penalize my status. 
XXXX 

Company response: Company chooses not to provide a public response