AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I received multiple conflicting information from your agents regarding a Clerical withdraw from my account. After an hour and a half on the phone with an agent and her Supervisor, XXXX. He explained that there was a system error on SECU 's end and that it was fixed by an agent withdrawing {$67.00} from my checking out. XXXX first said that somehow I put my mother 's SAVINGS account in the negative to transfer the money into my account, I explained to him that I have been banking with y'all for five years and that this is not possible. SECU does n't even allow savings accounts to be below {$25.00} unless all accounts are closed out. XXXX 's story then changed to my account was credited the {$67.00} but my mother 's savings account was not debited the {$67.00}. I asked how could this happen, XXXX did n't have a straight answer for that. I should mention that this began with debiting my mother 's account {$67.00}, crediting the amount back, then debiting the account again. These XXXX transactions are visible on my account but only XXXX debit and XXXX credit is visible on her account. I was why was n't a notified of this immediately when they took the money out of my account, XXXX 's exact words were " SECU has over XXXX XXXX customers. I do n't think they have time to notify every single customer ''. So now I 'm to think that my accounts do n't matter in the large picture. XXXX was really unsympathetic and had no empathy at all, the error came from SECU 's end and I was made to feel like it was my fault! The agent before XXXX even mentioned " well you only get XXXX transfer a month you know ''. I did not ask for that information and it was the way it was said. There was not XXXX apology during the entire hour and a half. I am extremely displeased with this whole situation and the customer service. I wish I had gone with a larger bank. I thought having a SECU account would give me a more personal experience but wow I was very wrong. I still really do n't understand why the {$67.00} was withdrawn from my account. When I asked XXXX if this issue could be escalated to Corporate, he said " well you can call back Monday and talk to my manager '', I said " XXXX, so you 're telling me that you ca n't escalate this to corporate? ", XXXX then said he could send an e-mail to them. Then had the audacity to ask me what do I want the e-mail to be about in a very condescending tone. I started to just hang up at that point but I told him that I wanted everything that happened put in the e-mail. I have no idea what he actually put in the e-mail or if he actually sent one. I really ca n't believe that this is the level of customer service I received from a SUPERVISOR. It 's not exactly a good feeling when your bank makes an error, manually withdraws money out of your account without any notification, then does n't take any responsibility for the error and does n't apologize at all. This experience has left me with anticipation to move back to college in the Fall and cancel all of my accounts with this bank. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX 2014 I sent a letter to XXXX XXXX XXXX, Chief Financial Officer of Bank of America requesting certified copies of " any and all documents '' relating to my loan ( see attached ). I received a response from XXXX XXXX, Consumer Advocate with Bank of America which contained several documents. None of the documents were signed or stamped by a notary or had any indication that they had been certified to be true copies of the originals. 

The documents indicated the ( original ) lender to be America 's Wholesale Lender/Countrywide Home Loans. There was no document advising that the loan had been transferred among the documents sent. 

On XXXX XXXX 2014, I again sent a certified letter to XXXX XXXX XXXX, Chief Financial Officer of Bank of America stating that the documents received had no indication that they had been certified as true copies of the originals. I also informed XXXX XXXX that there were no documents indicating compliance with Title 12, Chapter 27, Section 2605 of the USC. I again requested certified true copies of the original loan documents as well as certified true copies of the notification of transfer of the loan. 

I again received a response from XXXX XXXX, Consumer Advocate with Bank of America which contained the same documents sent previously. Again, there was no stamp, signature, or letter to indicate that the documents had been evaluated by a notary or other impartial entity and determined to be true copies of the originals. Again, conspicuously absent were copies of the transfer notification documents, certified true or otherwise. 

The nature of my complaint is as follows : Bank of America has violated Title 12, Chapter 27, Section 2605 of the USC. Specifically, Bank of America has failed to provided requested documents on more than XXXX occasion as provided for in paragraph ( e ), ( 2 ), ( C ), ( i ) of the above referenced code. Specifically, Bank of America ( and America 's Wholesale Lender/Countrywide Home Loans ) failed to provide timely notification of my loan transfer as directed in paragraph ( f ), ( 1 ), ( A ), ( B ), and ( f ), ( 3 ). 

Based on Bank of America 's inability ( or refusal ) to provide the requested documents, and coupled with the fact that Bank of America has been fined for 'irregularities ' in its handling of mortgages it is doubtful that Bank of America is in fact the legal mortgagee and that I am actually indebted to Bank of America XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I was a victim of identity theft. I filled out an affidavit with a notary I also have a police report. I mailed, faxed and email my document to Common Wealth Financial Service beginning in XXXX. I have called numerous time to get my situation resolved. I have yet to receive any details of the bill who I owe and why I owe. It has been well over 30-60 days. Each time I call in I get the run around from very unprofessional representatives. We are waiting but never given a description of what. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I disputed a collection on my credit report for XXXX and received dispute results after completing the processing of my dispute results were removed/deleted. The date Trans Union complete dispute was XXXX XXXX, 2015. On XXXX XXXX, 2015 the collection agency, XXXX XXXX, re-reported on my credit report and they have already been removed. I do not have an account with this company nor have I received written communication from XXXX XXXX. Please assist in the removal of XXXX XXXX permanently. Thanks 

Company response: Company chooses not to provide a public response
Consumer complaint: For more than XXXX years i have a line of credit on my rental on XXXX XXXX XXXX XXXX my regular payment until last month was {$180.00}. I just received a statement from BOA for the current payment of {$580.00}, that is XXXX times more from last month. I called BOA and after XXXX mn wait, the lady on the phone advised me that she can not answer my question because i gave the wrong zip code, i have tax record on the property that shows the right zip code i gave her and i have a payment receipt from last month. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am receiving phone calls from several different debt collectors and a mediation service alleging that I have a debt with a payday loan company. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been a victim of Identity theft as a result several accounts were opened in my name. I have filed a police report and sent it to collection agencies letting them know the debt is not mine but they still report me negatively to the credit bureaus and have not responded to me yet within the 30 day time period. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i am behind on my car payment but I have an automatic withdrawal set up to come out of account this month. they keep calling me every couple minutes sometimes XXXX in a minute. I know they are allowed to call but I did n't think this much. how can they do this. it 's depressing me. my phone beeping from them every minute of every day. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a victim of Identity theft as a result several accounts were opened in my name. I have filed a police report and sent it to collection agencies letting them know the debt is not mine but they still report me negatively to the credit bureaus. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: My husband and I purchased our XXXX home in XXXX through Wells Fargo Home Mortgage. Our home flooded in XXXX, XXXX and XXXX. We decided in XXXX to move out due to me being XXXX with our XXXX child and the house being unhealthy to live in due to XXXX. We were told the house was going to cost more than it was worth to fix it. We paid on it for a year after we moved out because we were unsure what we would do. We decided after that year we would try a short sale, when that did n't pan out we decided foreclosure was our only option. We went through the process and the house was put up for auction and foreclosed on on XXXX XXXX, XXXX. My husband is a veteran and we were told that it may be possible after XXXX years to try to purchase again through the VA. We called a friend in the mortgage business to see about being pre-approved and found out our names are still on the deed to the home we no longer own. It was a third party buy back by Wells Fargo XXXX the original lender ). I have called them, they had me call the foreclosure attorneys XXXX and XXXX. they informed me that HUD had n't given them instructions on what to do with the home due to the fact it is damaged. I called HUD and they told me to call the XXXX and they sent me to you all. We need our names off the deed of this home to be able to purchase a new XXXX. The house we live in now is a rental and the rent is going up in XXXX of this year and we will not be able to afford what they are raising it to. We really need to be able to purchase again so we wo n't run into a living situation when that time comes around when our landlord raises the rent. Thank you in advance to any solution that can be brought. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been Hustling to try to get this HAMP modification with BOA sence XXXX, they pull every trick in the book, they are very good at there game, I am extreamily tired, they are winning this battle to foreclose on my home because the CFPB are not making them play by the rules, they say they sent me a HAMP modification in XXXX, it had the partners name ( XXXX XXXX ) on every page, like he was applying for the modification as well, we split up in XXXX, I had him arrested for XXXX & XXXX to XXXX me as well.every time they send me anything at all it says Dear XXXX XXXX XXXX and XXXX XXXX.They have a capy or XXXX copies of the Special waranty Deed from XXXX county court house, signed by him too. The payment was already late when they sent me the payment book. 
When is this ever going to end.I must have a home not a apartment to keep visitations with my son who is XXXX, Please Help. XXXX tell me what I can do, Im tired but will never stio fighting to keep my home. 

Company response: Company chooses not to provide a public response
Consumer complaint: As per case # XXXX ... Green Tree stated that they did not assess any late fees to our Account XXXX. XXXX with them which is now paid and closed. However, in their own accounting of the statement sheet they attached to their response to that complaint, there 's {$500.00} listed there under the 'late fee ' column. Since we disputed any late payments ( we did n't pay late ... Green Tree was applying the payments late due to our bankruptcy ), we want Green Tree to refund that money via check XXXX {$500.00} XXXX since they said they did n't assess it anyway as follows : '' ... there has not been a late fee assessed to your account, nor has there been any negative reporting to the credit bureaus. '' 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I have repeatedly asked XXXX Experian and XXXX to investigate my discharged account with XXXX Bank and update its reporting to show discharged in bankruptcy.I have disputed online and by mail and they have verified and changed nothing.My bankruptcy filing and discharge is on all XXXX credit reports and i have sent and uploaded my schedules.Recently since my disputing has increased XXXX is updating my account more frequently and driving down my credit score.On XXXX XXXX i received an update on my Experian report stating discharged in bankruptcy then on XXXX XXXX they reverted back to previous reporting. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, the account ( XXXX ) on eBay purchased my iPad mini 3 XXXX Wi-Fi, for the amount of {$450.00}. The account owner, named XXXX XXXX XXXX, requested an invoice for the transaction, which I provided immediately. Then I received automatically generated emails from ( what I believed were ) PayPal, notifying me of the transaction complete, and from eBay, congratulating me on selling my item. Since, I believed that I had received the payment from the buyer, I shipped it to the buyer with overnight priority ( which I charged to the buyer as an additional {$86.00} ), as we had agreed upon. Unfortunately on XXXX XXXX, 2015, I received an automated email from eBay stating " We had to cancel bids and purchases on the following item ( s ) for the buyer, because they were made without the account owner 's permission ''. Upon further review of the communications that I had received from " PayPal '' ( email address : XXXXXXXXXXXX ) and " eBay '' ( XXXXXXXXXXXX ) in regards to this transaction, I realized that although the emails appeared to be very authentic, they were in fact fraudulent and malicious. The email correspondence that the buyer provided was XXXXXXXXXXXX ( which belongs to XXXX! XXXX XXXX. XXXX according to PayPal ), The XXXX tracking number that I provided to the buyer after shipping the iPad to her, was : XXXX And the address that she requested it be shipped to was : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX This address was different than her address that was provided on eBay. 

I immediately contacted PayPal, eBay, XXXX, and XXXX, to see how the situation could be remedied. I also went to the local police station to file a police report, and filed a claim on cfpb as well as XXXX. eBay provides " Buyer Protection '' to their consumers, but there is no " Seller Protection '' that protects sellers from unfortunate circumstances where users have maliciously stolen items from sellers via eBay 's platform. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Bank of America home loans has reported my short sale as a foreclosure. This is severely affecting my credit. I am unable to refinance my house. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a response letter from Bank of America dated XX/XX/XXXX. The letter was addressed to XXXX XXXX XXXX XXXX, my name is XXXX XXXX XXXX. The letter explains due to a current or past delinquency my application for a credit card was denied. The letter also states that Bank of America bases their credit decision on information we have available on existing accounts and the applicant 's credit bureau report. I retrieved a copy of my credit report from XXXX and attached the summary report confirming NO POTENTIAL NEGATIVE items were on my report and XXXX accounts were in good standing. Bank of America references a discharged Chapter XXXX Bankruptcy from XX/XX/XXXX. I note ; XX/XX/XXXX is 16 YEARS AGO. Well past any reporting period. Record retention requirements state negative information will remain on credit file for 7-years. 16-years is well past 7-years. State record retention requirements also reflect 5-7 years after an account is closed. Once again, 16-years is well past this requirement. I think the actions conducted by Bank of America are unfair and deceptive. They adopted independent policy practices outside of peer Bank guidelines. Additionally, they are adopting practices outside of normal periods considered in consumer credit laws and regulation standards. This is alarming and I am hopeful the CFPB will investigate this matter further. 

Company response: Company chooses not to provide a public response
Consumer complaint: The tactics used by wells Fargo bank by placing holds on checks that freezes me from using my debit card and has mine account in over draft status. I have been with them for XXXX years and these are not standard banking policies. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: Our loan was with XXXX Mortgage - did n't verify income - loan agent told me to use any $ $ - after a couple of months - I could see loan it a " BAD LOAN '' tried to refinance but home was n't worth as much as the what we owed on loan. Sold to XXXX - Then to XXXX -In the middle of working with XXXX - loan was sold again - SPS is now the collection service company - I was told XXXX XXXX now owns the loan! 
I have been working with SPS since 2011 to get a loan modification - principal reduction - Well, I have gotten so many different stories as to what can be done or not done! 

We are trying again! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I AM NOT ENTIRELY SURE WHO THESE PEOPLE ARE AND WHY THEY KEEP CALLING ME ALL THE TIME. I HAVE NEVER BEEN BEHIND ON ANY OF MY ACCOUNTS. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Wells Fargo Home Loans Bui\lder Division is using illegal tactics to build their business within XXXX XXXX XXXX . They are doing this by partnering with an ESCROW service provider. ESCROW OF THE XXXX sales REP XXXX XXXX is very well connected within the builder industry. Wells FARGO Retail office and Builder office is opeining escrows with XXXX XXXX. As a retrun for this buisness, XXXX is telling builders to use WELLS FARGO as their preffered lender for the take out financing. XXXX is creating a false environment. making the process harder to sell for builders and harder to buy for buyers so that he can influence the builders vendors choice- XXXX has designed specific FALSE processes that make it harder for buyers to get loans from lther lenders. this way his choice of lender, Wells FARGO/ XXXX XXXX have the upper hand and they limit the buyers ability to shop for the best mortgage deal. XXXX XXXX creates an atmosphere that FORCES PEOPLE to use WELLS FARGO/ XXXX XXXX XXXX does this becase XXXX sends XXXX retial refinance transactions. 

Company response: Company chooses not to provide a public response
Consumer complaint: Back in XX/XX/XXXX my Mom XXXX XXXX and I ( XXXX XXXX ) decided to refinance our mortgage to obtain funds to give my eldest daughter a sweet XXXX. We reached out to mortgage broker XXXX XXXX who sent a representative to our home and refinanced with XXXX XXXX XXXX. Together, my mom and I signed all documents in the presence of the Broker, and in XX/XX/XXXX the loan began being serviced by Wells Fargo 's subsidiary America 's Servicing Company. The new loan was not fixed as we were informed by the broker it would be and we could no longer afford the payments. From that moment on we began requesting a modification from America 's Servicing Company. They began to tell me that I 'm not on the loan, but on the mortgage and my mother is the noteholder and stopped communicating with me. I have lived in the unit since owned in XXXX of XXXX. At the time of purchase my mom resided in a city owned apartment, but moved in with me as we were informed my unit had to be her primary address. My mom continues to pay the rent as to ensure shelter for our family if foreclosure is the end result. In XX/XX/XXXX we reached out to a third party to assist us and XXXX XXXX America 's Serivicing Company offered us a trial modification plan and I set up electronic payments for XXXX, XXXX and XXXX of XXXX. After all XXXX payments were received ASC requested a copy of the deed and it was provided. Then ASC began the process all over again. Since then, we have been submitting hardship letters and other requested documentation only to continue to receive the run-around. On XXXX XXXX, XXXX my mom and I were requested to appear in court for a mandatory foreclosure conference. The referee overseeing the conference enforced the Bank 's attorneys to work it out with us, I was informed that we would have to submit a new modification application and are scheduled to return to court on XXXX XXXX, XXXX where a decision will be made. We submitted everything as requested, modification application and supporting documents only to receive feedback that ASC is not reviewing our case at this time as nothing has changed. Trying to keep a home for my children and grandchildren has been a long and drawn process. We have spent close to {$15000.00} in attorney fees over a five year period with attorneys telling us they are experts in modifications and the end result remains constant run-around. My mom and I will continue to to find the means to advocate in hopes to keeping our home. I have filed a complaint with the New York State Department of Financial Services who directed me to the Consumer Financial Protection Bureau. I hope you can help. 

Company response: Company chooses not to provide a public response