AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Experian XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information in my file. This information does not relate to any transaction that I have made. 
XXXX ACC # XXXX XX/XX/XXXX XX/XX/XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are fraudulent items I am requesting that they are deleted /blocked by name of source A CRA must block the fraudulent information the victim has identified within four business days after accepting her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Enclosed is a copy of the law enforcement report regarding my identity theft Please let me know if you need any other information from me to block this information on my credit report. 

Sincerely, XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: my loan was sold to this company and with in a few months I was told my escrow was $ XXXX short that I needed to pay it or have to added to my monthly payments. I could not get a explanation except it was short. a few more months later another bill saying my escrow was $ XXXX short still no explanation except its short and it will be reviewed again this year to expect this before the year is out. how can this be in the XXXX yrs I have had a mortgage this has never once happened it can not go up and 2-3 times in one year? taxes and insurance are billed once a year. I do not understand and can not afford to keep shelling out money to this incompetent company. I was reading reviews on yelp about them and it seems I am not the only XXXX is this confused boat. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX, XXXX, called to inform me that I owe funds for a car loan that occurred over 14 years ago. She had addresses, partial SSN, car make, model, and VIN #, and a lawyers name ( fake I presume ). The company that she said she represents turns out to be a utility company in XXXX Texas. The vehicle in question was used as a trade-in back in 2002. Additional research shows that several other people have been called by her as well. She sounded very professional, articulate, and well informed about the situation. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Allied Interstate has called my place of employment and harassed people I work with while disclosing that I have undpaid debt to people I work with that is not myself. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Contacted Experian after getting a credit report from XXXX XXXX showing my Social Security Number for only their credit reporting agency was completely wrong. This caused a lot of negative reporting items to show up on my credit report and is keeping me from closing my loan. I sent proof of social security and my identification as well as a form from the social security administration. They claimed it would be taken care of immediately. I have been trying to get it resolved since XX/XX/XXXX. My loan is clear to close and still it has not changed with Experian and I am not able to close my loan. this is causing me financial distress. I have called in to Experian and have had my loan officer as well and each time they claim it will be fixed. When I asked them to send me proof its been changed they tell me they will send it and never do. I need this resolved right away! 

Company response: Company chooses not to provide a public response
Consumer complaint: I took a {$500.00} loan out with Northcash in XXXX 2015. I originally set up payments that would take longer to payoff but decided that I wanted to change to the shorter term. When I called them approximately 2 weeks later to change it, I was told I could not change it therefore I have already paid {$1900.00} on a {$500.00} loan. They take {$130.00} every 2 weeks. I want them to close my acct and consider it paid in full since I tried to have my terms shortened and they refused .... 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am the trustee of a trust that is being liquidated. The mutual fund company issued a redemption check that I deposited into Bank of America. B of A has now placed a hold on those funds. There is no pattern of unusual activity here - the amount of the deposit is not unusual for this account, the account has never been overdrawn, and the funds are drawn on a large and reputable mutual fund company 's account ( XXXX XXXX ). Bank of America told me that the hold was placed because the issuing bank ( XXXX XXXX ) is unable to confirm sufficiency of funds. I called XXXX XXXX and they have verified that the check CLEARED XXXX XXXX. Somehow Bank of America is not being straight with me and in the meantime is interfering with my ability to fulfill my fiduciary duties to liquidate the trust and distribute the proceeds. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a problem getting statements mailed because Wells Fargo wants everyone to subscribe to online. When I am out of town I change delivery preferences to online to pickup the statement to make sure my balance is correct. That change is immediate because Wells Fargo will not allow viewing the statement with the preference of US Mail. When I change it back to US Mail I do not receive statements because Wells Fargo says there is a 30 day delay with that change. This is a man made delay because that 30 day delay is a recent problem because this did not start happening until sometime last year. They are happy to mail a statement with a fee of {$5.00} that they will waive if I call and complain. 

Company response: Company chooses not to provide a public response
Consumer complaint: This firm represents XXXX XXXX XXXX in a personal XXXX lawsuit. It was later determined, after correspondence mailed XXXX were never responded to, XXXX decided to simply turn their outstanding XXXX bill to CMRE Financial Services. On XXXX XXXX, 2015, this firm contacted and spoke to a " XXXX XXXX '' who repeatedly since XXXX XXXX, 2015, has indicated that our phone conversation was being recorded and that she would fax the bill so that the bill could be resolved at the time of settlement. To date, as of XXXX XXXX, 2015, XXXX XXXX refuses to submit the outstanding bill to this office despite receiving a HIPPA Compliant Medical Authorization for the release of medical records and " billing '' and a letter of representation signed by our client XXXX XXXX. The Account Number is XXXX and after this communication with your establishment, we will be filing a Complaint with the FTC. Her direct line is XXXX ; XXXX XXXX XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have never once received a bill from XXXX XXXX XXXX XXXX XXXX. I was unaware of this bill and do n't believe that it is mine. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: These reps keep calling from XXXX. They have been reported before to you by me. This company must try to collect under different companies name but the phone number is the same because I remember it. They called on XXXX/XXXX/2015 then again on XXXX/XXXX/2015 at XXXX I advised the rep they were told XXXX XXXX does not have my number earlier this week and I was told they would remove it. She stated again it would be removed. This company has called me before XXXX and they always say the phone number is being removed. Again I have reported them to you apparently you are not doing much about it either. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: On XX/XX/2015 I received a call from Citi Card advising that I was late on a payment. Having just reviewed my end-of-the-month bills, there was n't one from Citi Card. She looked at my account and saw that I always receive the statements electronically and pay on time for any balance. I asked her what email address was it sent to and she said " XXXXXXXXXXXX? ( example, only ) I told her, that is NOT my email and gave her the correct one. I asked why through XX/XX/XXXX all the statements arrived problem-free and she said someone had re-keyed it in incorrectly. She said that she would fix it and I told her I 'd be happy to pay the bill. 
This morning, I went to pay the bill, but noticed a {$25.00} late fee. I called Customer Service and advised them of the issue from last evening. Since it was not my error as I had not received any bill from them whatsoever, that I would be happy to pay my full balance, but please remove the late fee. She said she would submit it, but I should not expect it to be approved. It was not. 
My payment record with the XXXX companies who cards are managed by Citi Card proves my good standing as a customer with prompt payments. Since this error was not one I made and it occurred through a mistake of Citi Card, I should have that {$25.00} refunded to me. Imagine the hundreds of thousands of dollars they make on these trumped-up charges. 

Company response: Company chooses not to provide a public response
Consumer complaint: this is not mine 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: My father 's house had a reverse mortgage, serviced at the time of his death by Reverse Mortgage Solutions , Inc. RMS contacted me by telephone eight ( 8 ) days after my father 's death to request a copy of his death certificate. Once the XXXX had prepared the Death Certificate, I scanned it and sent it to RMS via e-mail. In the body of that e-mail I indicated my intention to pay off the mortgage through the proceeds of the sale of the house. I sent RMS a copy of the listing agreement with a local real estate firm for the sale of my father 's house five ( 5 ) months after his death. RMS acknowledged receipt of the listing agreement via e-mail. Less than six ( 6 ) months after my father 's death, RMS filed a Notice of Default with XXXX XXXX, starting the foreclosure process. I now face the possibility of RMS taking possession of my father 's house in two months, without having the opportunity to satisfy the mortgage through the sale of the property. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My wife and I applied for a HARP loan with Bank of the West and fraudulently misled on the terms of the loan. On the application, we specifically stated that we did not want an escrow/impound account imposed on the loan. During processing, Bank of the West changed our selection by adding an escrow/impound account without informing us. 

While we were at the title company to sign the loan documents, we discovered that contrary to our requirements, the loan provided for the imposition of an escrow/impound account. We immediately refused to sign the loan documents. The notary then called the loan officer at Bank of the West who assured us that the issue of the escrow/impound account would be resolved at a later time and urged us to sign the papers. If we were not given this assurance, we would not have signed the papers and would have backed out of the loan. 

We attempted to resolve the issue with Bank of the West. The bank told us that for this type of loan, an escrow/impound account was required by bank policy. If the escrow/impound account was bank policy, why did n't the loan officer inform us of this when we filled out the paperwork? Moreover, why did the loan officer assure us that the issue would be resolved after we signed the loan papers when he was certainly aware of the bank 's policy? This clearly constitutes fraud or, at a minimum, negligent misrepresentation by Bank of the West. 

Company response: Company chooses not to provide a public response
Consumer complaint: I attempted to refinance my home with the Bank of America. ( I have been a Bank of America customer for forty years. ) I spoke with XXXX XXXX, a mortgage loan specialist with the Bank of America in XXXX XXXX, California. I submitted all of the recommended documents. I am XXXX and getting the requested documents was extremely difficult. 
I was told one week after the documents had been submitted that my file had be " shredded. '' I attempted to speak with XXXX XXXX 's supervisor, XXXX XXXX, and made five telephone calls over a two week period and he would not respond. I was then told to resubmit all the documents. I was told by an operations manager, XXXX, that she shredded the files, but she could not explain why. 
I believe that the Bank of America is making it impossible for XXXX to refinance their homes. The bank is pretending to start an applications. I was told by XXXX XXXX that a home loan application was never started although I had over five e-mail contacts with XXXX XXXX. I made every effort to start an application. I realize now that the entire process was a sham. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Bank of America received funds from insurance payouts and never notified us. They held the funds for 4 years and hired contractors who did work on our property. No one ever verified the work was done and it was negligent causing more damage to the property. The contractor who did the work went as far as to cover the hole in the side of the house with out making necessary repairs to preserve the property. We are unable to go after the contractors because we did not have a contract with them. Had we been notified of the funds being received we could have made the repairs ourselves and been back in our home 4 1/2 years ago. Bank of America knowingly withheld funds intended for repairs and they call it a miscommunication. We have tried working with the states attorney and they have been unable to get a resolution. Bank of America continues to dodge questions and avoid responsibility. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2016, I contacted with regards to an account which is appearing on my credit bureau. On my first contact I spoke with XXXX XXXX, and advised her I had made prior communication with your office regarding this debt as its validity is disputed. 

I advised XXXX that the debt was the result of an injury that occurred in a Casino, and that they were liable for the bill. At which point, XXXX XXXX advised me that I needed to provide the name of the Casino insurance company so your company could call and get the bill paid. 

It is my standing, that under the Fair Debt and Collection Practice 's Act, to be compliant, the company is to mark the account as disputed and validate the debt. However, in the above scenario, the conversation was not compliant with the FDCPA as the least sophisticated debtor would not realize that you are required to automatically follow a dispute protocol, and instead would have to go through the process of contacting the casino to provide this information to your company. 

Additionally, I later made contact with BC Services and spoke with a XXXX XXXX. I gave XXXX XXXX my name, and then XXXX XXXX gave me my date of birth and did not advise me that this was an attempt to collect a debt and any information obtained would be used for that purpose. I stand firmly, that your XXXX XXXX violated the law by providing my date of birth, instead of asking for it. Which violated PMI requirements. 

Additionally, both collectors made demand for payment knowing it was a disputed debt. In addition, the company had yet to send a validation letter to me, which is a violation of a recent decision by the Federal Consumer Protection Bureau that demand for payment within the first thirty days is a violation of the FDCPA, as the least sophisticated debtor would not realize they still had 30 days to dispute the debt. 

It is my belief that I have a valid claim against your company for non-compliance with the Fair Debt Collections Practices Act, the Fair Credit Reporting Act, and by giving out my date of birth, possibly HIPPA. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently called Bank Of America for a dispute I had, because I had {$300.00} taken out of my account through an atm. That was after I realized they stole my whole wallet from my jobs XXXX party. First, they do the claim over the phone, and ask you a series of the dumbest questions I ever heard! After, like 20 min on hold and 45 min trying to explain what happened, I get no temporary credit or anything. I told them that 's was all my money and for holidays. So I had to wait 10 whole days for them to send me a message saying the claim will not be paid, because the transactions were dispensed and just. I know they were dispensed, but not to me. I am do upset with this bank and how they play you from every angle. Plz help. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am writing a formal complaint against XXXX XXXX XXXX and LenderLive. I closed on my home through a VA Loan on XXXX XXXX, XXXX, through XXXX XXXX XXXX ( XXXX ). XXXX started using LenderLive for servicing payments on my loan without notifying me in advance. I continued making payments on my mortgage. On XXXX XXXX, XXXX, I received a call randomly asking me where I want my payments for my mortgage. The caller claims her name is " XXXX '' and represents XXXX XXXX XXXX. I voice that the call sounds like a phishing attempt as I have never received a call like this. XXXX threatens to return my payments without applying them to the loan. I voice my disagreement with her actions & voice my concerns that returning payments I have made on the loan without applying those payments to the mortgage sets a dangerous precedent. I asked to speak with XXXX 's supervisor, and she refused that request as well. I called LenderLive later to confirm that my payments were being applied to the mortgage. A Lender Live employee confirmed this information later that day. On XXXX XXXX, XXXX, I received a letter dated XXXX XXXX, XXXX, from XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating that my loan is being transferred from XXXX XXXX XXXX. XXXX 's letter makes no mention of Lender Live, leading me to believe it is a phishing attempt. Also, XXXX XXXX, XXXX, I made a call to Lender Live to discuss why a Lender Live employee threatened to return payments and refused to get a supervisor on the phone during our call. The supervisor I spoke with confirmed " XXXX '' made the call on XXXX XXXX, XXXX, and confirmed he would review the XXXX XXXX phonecall. I asked what relationship LenderLive has to XXXX. The supervisor confirmed that LenderLive has a relationship to CENLAR and confirmed that my loan was being transferred. I reminded the Supervisor that mortgage servicers are required to provide written notice at least 15 days before the effective date of the transfer. The supervisor retorted that the letters were sent out prior to the weekend and thus meet the 15 day requirement. The supervisor at LenderLive did not have an answer for why I had received a notice of transfer from XXXX dated XXXX XXXX, XXXX, and yet LenderLive failed to meet that 15 day deadline. In summary, my complaint names XXXX XXXX XXXX, XXXX, and CENLAR. My concern with XXXX is that my VA XXXX is being set up to fail by a mortgage servicer with numerous complaints and XXXX ( XXXX ) star reviews on numerous websites. Finally, the pattern exhibited in my complaint consists of XXXX XXXX XXXX and LenderLive ignoring the laws set by RESPA and the FDCPA and failing to meet the requirements of providing written notice within the set timeframe. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I work on straight commission. At the beginning of 2015 I had several months in a row with no income, because sales were down with the economy. My loan was formerly with XXXX and they sold the loan to Wells Fargo. I asked Wells Fargo for assistance being that I was a couple of months behind on my payment and they said they could only help me if I stopped making my mortgage payment. I took their bad advice and missed another payment and after applying multiple times and being told that they never got my application, or they lost my documents, they finally told me the only thing they could give me was a repayment plan. They proceeded to raise my payment from {$1200.00} a month to over {$1600.00} a month. I asked them how this was suppose to help me and if I was having a hard time paying {$1200.00} how they could justify asking me to pay more. I asked them how this is suppose to ease my hardship. They told me I had no other choice unless I wanted to short sell the house or do a deed in lieu. I explained that I wanted to keep my house, not give it away. Reluctantly, I had to borrow money from my retirement just to make the first payment and then predictably, I could not afford any of the payments after that. I was so worried about Wells Fargo trying to foreclose that I hired a law firm to try to reason with them. I am in a real hardship. I could not have anticipated that my job would slow down so much. My mortgage is 34.51 % of my income, so I meet the federal criteria. From what I 've been told the Obama administration has said any interest rate above 6 % is considered a predatory loan. I am at a ridiculous 9 %. It was at 9.5 % when they gave me a modification 2 years ago, so the bank did not really help me last time. I am not asking for charity. I am just asking for a decent interest rate that is not double the national average and to be able to keep my home. Please investigate my file with Wells Fargo and you will see I have provided every document and meet all the Federal criteria. From what I understand Wells Fargo was fined a lot of money by the Dept of Justice already, but it must not have been enough to act as a deterrent because they are still targeting minorities like me who they believe are not educated enough to fight for their homes. Please, whoever is reading this, help me save my home. I am a good person who has just fallen on hard times. I believe this is why these programs were created, but Wells Fargo has done nothing but thwart my efforts every step of the way. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX : WELLS FARGO 

Company response: Company chooses not to provide a public response