AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: We are XXXX and do not have a loan with Wells Fargo Dealer Services but they have repeatedly called us ( for years ) and as recently as today. This is very upsetting to us and we do not want to be harassed. These calls apparently pertain to our adult son who has not lived with us for decades and we have no information to provide - which we have explained to the many callers in the past together with asking that they do not call us. The phone call today was made to our home on XXXX ( In the past I have also received calls on my cell XXXX XXXX XXXX ) from somebody stating her name was " XXXX at Wells Fargo Dealer Services '' XXXX ( caller ID number ) with a message to call back XXXX for No. XXXX. The telephone call came in at XXXX. In the past we have received calls from persons representing that they are from Wells Fargo Dealer Services from other numbers including XXXX. These agents not only ignore our request not to telephone us but in 2014 an agent from the XXXX number provided me details on the subject account history over the phone that included the amount of arrears, collection efforts and assertions that my son was a criminal. I have subsequently learned this was illegal. We are tired of these calls and are filing this complaint to documents them as well as demand that we stop being harassed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My roommate has a couple of credit cards. At no point The Credit Bureaus have been provided with my social security number. I am listed as an authorized user on the crads. However, I NEVER gave them my social security number. They are providing information based on just my name. According to the FTC. The Credit Bureaus must have the the persons social security in order to report the information. I received a leller from XXXX of the credit bureaus trying to verify my personal information. I am not going to provide them with my personal information in order for them to clean up the illegal reporting that they are doing. I demand that they take the reporting off my credit report. It is affecting my income to credit ratio and negatively affect my FICO score. According to the FTC they must have full authorization from me to report and they do not have it. I did not provide Bank Of America my social security. therefore. The amount MUST be removed from my credit report. This will be the third issue I filed. The first XXXX was XXXX, The other XXXX was XXXX & XXXX Bank. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I bought a camara and fill out an application for a credit card, they say sent to my mailbox but I did not receive the credit card, some else it to buy several things 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been having problems with Barclay Bank for more than three weeks with no resolution. Various reps tell me a different story every time I call. This issue involved a point redemption using their rewards program. In my opinion my problem may affect many other cardholders who may or may not be reporting these issues. I attempted to redeem XXXX points to my credit card statement many weeks ago. This would give me a credit of {$3200.00} against Travel related charges with XXXX XXXX. Due to some sort of technical issue on the Barclay website this did not go through. I called XXXX case # XXXX. Phone reps from Barclay have been deceptive in giving me incorrect information, making different statements to me every time I call. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Experian is reporting multiple names and address under my credit file. I have tried to dispute them on numerous occasions, provided proof of identity and yet they still refuse to delete this names that are not mine. I do not want to continue having these names on my report possible penalizing me for some one else 's mistakes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Bank of America said they sent me a form to fill out, a XXXX form. I never received this. Well, I tried to log in to my account to see if I had a balance, and it was blocked, so they told me I had to fill out this form, giving me instructions to go to the IRS website. I did, I filled it out, and I faxed it to them. So then I called customer service, and they did reinstate the account. They said I had to do this because they could n't verify my SS number. Well, I see that they did a hard hit to my credit report!!! They never said they were doing that ... if I knew that I would not have gone through this!! It 's terrible! I want them to take that off of my credit report, as I have an inquiry from them when I originally opened this account!!! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We have a home in XXXX, XXXX that we purchased almost 10 years ago. We lived there for 2-3 years before we relocated to XXXX for a new job. We then put the house up for sale but due to the housing market plummet we were unable to sell the home and had to rent it. Then due to financial hardships including unemployment we had to try to shortsale or foreclose on the home. Two years ago ( XX/XX/XXXX ) we began the short sale process with Bank of America, the holder of the mortgage. Within the first 6 months we had between XXXX-XXXX offers valid, several were at or above the value of the home and XXXX of them were cash offers. None of the offers were accepted and for the next almost 18 month time period we have wrestled with their ridiculous system. We have filed the same paperwork over 5 times. We were even so frustrated that we have offered to file for a Deed in Lieu of foreclosure or even a straight out foreclosure and we were told that they would n't accept it. 

After doing some research we believe that Bank of America is " Dual Tracking '' our property, which is working on a foreclosure while also working on loan modification. This is not legal and they have lost class action suits for this very action. We have now begun to receive notification of Foreclosure process even though we are still semi-weekly filling out and faxing paperwork for the loan modification process so we can short sale. 

At this time we have once again XXXX-XXXX valid offers for short sale on the property. They have been adding bogus fees to our monthly statements including fees for yard work, lock change, cleaning, maintenance, mail fees, etc. some of which we believe they have made up because we have received no documentation. We paid for the proposed yard work and maintenance performed on the property out of our own pockets.. We also just received a statement with an Attorney/Trustee fee which leads us to believe they have already begun the foreclosure proceeding. At this point we just want to be done. We 'd love to have the home sold but we really do n't think they are ever going to process or accept an offer. We 've been doing this since XX/XX/XXXX and it 's exhausting. BoA is clearly working against itself. While they tell us during regular phone calls that the loan modification / short sale process is moving forward, we receive letters indicating they are foreclosing. 

I spoke to BoA on XX/XX/XXXX at XXXX ( MT ) XXXX XXXX ( our Account Manager ) informed me at that time that the property did NOT have a foreclosure date set and that we were now being moved into either a Short Sale or Deed in Lieu of foreclosure. I opted for Deed in Lieu, citing BoA 's history of unwillingness to allow a sale to go through. I also told her that we had offers on the table. 

She informed me that we would follow up on XX/XX/XXXX. 

In the meantime, we received notice that they house had been rekeyed and it was moving into foreclosure. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In 2014, I applied for a XXXX credit card to purchase engagement rings. I was under the impression that I was receiving credit through XXXX. I was declined for XXXX and they sent it to Monterey Financial. I was making payments to Monterey Fin until I fell on hard times, lost my job, and my child died last year. The agent was rude and disrespectful. She called me after I made online disputes for my credit report. She told me on last Saturday, " Pawn the rings and get the money. '' The prices went from {$1300.00} to {$1600.00} to pay off the account but my report says I owe {$1100.00}. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX, i signed an agreement to be a coowner on a auto loan with someone. The original lender was XXXX Bank. They are now Ally Bank. I 've paid this car note on time XXXX the term period which ended in XXXX. The primary borrower on this loan made an agreement to keep the leased vehicle and convert it into a loan with only the primary borrower on it. This agreement was made when the company was XXXX. This request was not honored and the vechile was returned to Ally Bank. Without my knowledge or consent, the primary borrower made an agreement with Ally bank concerning the surplus charges that were owed. I did not agree with this nor was i advised or asked to sign anything concerning this. I made the required payments in which i was obligated to pay. Never a late payment or bad history. This is on my credit report and it should not be, I never agreed to anything concerning the unpaid amount or surcharges. My name should be removed from this debt since the primary borrower has agreed to pay this debt. The agreement did not involve me. 

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 received an email from my boss authorizing me to send a wire in the amount of {$21000.00} to a consultant. I sent the wire and when I confirmed this with my boss, he told me he had never sent that email. My IT department informed me that the email was a " spoof '' that came from a XXXX address in Louisiana. I immediately informed Bank of America and put through a request to recall the wire. BOA informed me that they had recalled it and gave me a recall # to confirm. Today, BOA says they have still not recovered the amount yet. The wire was sent to an account at XXXX Bank XXXX in XXXX XXXX, MN. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX is single handedly working to ruin my credit. In short I had a XXXX XXXX cc back in about XX/XX/XXXX they allowed someone to charge close to {$3000.00}. For XXXX tix to XXXX of course I reported it took them months to correct after my many calls, long waits on the phone & wrong info from their reps. I was told the account was closed after they had a collection agency call me for XXXX I had excellent credit and always pay my bills on time. XXXX I wanted the acct to stay closed because of XXXX bad customer service. Lo & behold I get a bill from a supposed closed account in about XXXX 2015 for chgs made in XXXX XXXX for XXXX & XXXX totalling about XXXX. Here I go again dealing with their negligent, why you bothering me customer service. After much long waits online dealing with their lazy supposed supervisors & sending XXXX to a phony BLpres. Email address they gave me with no response of course I filled out yet another fraud report sent to them XX/XX/XXXX and have not heard anything yet. I discover today that my credit score has gone down XXXX points with XXXX & XXXX with Transunion. Putting my almost XXXX score to the low XXXX 's. I have, worked all of my adult life to build my credit and these criminals are destroying it. I believe this has to be an inside job. How can someone charge on an account that I was told was closed? I 'm done with this company and I want them out of my life and my good credit to be restored & my score corrected. What can I do? What recourse do I have against this company? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have {$590.00} extra in my escrow account after my taxes have been paid. I have asked for that to be refunded and they refused to refund it. They told me they would do another analysis but so far have not done this. 

Refund of the {$590.00}. 
Re-evaluation of what the escrow payment should be based on this year 's tax bill, because the same thing will likely happen next year, although in a lesser amount. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXXXXXXXXXX XXXX account number is XXXX Loan Servicer - Select Portfolio Servicing Inc . 
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone - XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Late fee and interest assessed when payment was mailed and dated as on time. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This is in regards to case XXXX. I 'm fighting First Hawaiian Bank, they are looking for unjust compensation for a mistake one of their younger representatives made by releasing to me money from an uncleared check. A check that totaled {$2600.00}. The FHB policy states that I should have only been given {$200.00} of the {$2600.00} until the check had cleared. It never did, but that did n't stop their unprofessional and obviously unaware staff from releasing to me ALL the money THE DAY OF. It also seems that the ambassador FHB had chosen to dispute my last response on the CFPB website had n't done their research either. I had an overdraft fee almost every month I had been a member of their bank. But why would they withhold and deny me that information? I am disputing this, I have received letters from collection companies sent to my address harassing me to pay. I will not be held responsible for a mistake THEY made. I was handed money that should n't have yet existed until it had been verified. I refuse to be bullied and taken for by a bank that could have easily AVOIDED this problem. First Hawaiian Bank could have just as easily prevented this. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XX/XX/2014 I received several letters stating that a debt I had with Citi bank went to collections. I have no accounts with Citibank so I called the number on the letter which was a debt collector. They culd find no record of it and could offer no info. I sent a certified letter explaining the situation and asked them to stop contacting me. It never showed up on my credit and I never heard from them again so I thought it was resolved. I recently applied for a HELOC and this debt showed up. I called Citi bank which had no record of the account and referred me to their identity theft dept. Unfortunately I work the hours that they are open. I then called XXXX XXXX and they told me to call the debt collector and request proof. I have called them over a dozen times. I just get an answering service that asks me to leave a message, which I did. I have tried to research this company online and can find no info on them except complaints. They have no website. I am unable to clear this up and am certain that this is not my debt. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: MY mortgage company started out with XXXX, then XXXX, Green tree, DITECH, Now DITECH FINANCIAL LLC. in XXXX transferred to GreenTree a debt collector as XXXX failed, then transferred to ditech. I started to questions the validation of debt and green tree or Ditech has yet to validate the debt. My understanding my deceased husbands estate XXXX out the balance of the mortgage when he passed away and information was provided to green tree and ditech. Public Policy and Alabama Law as a widow and heirs we have rights. The are continuing to report on my credit report now stating I had a mortgage with them XXXX/XXXX/XXXX this is a complete lie. I never had a mortgage with GreenTree or Ditech or signed a contract with them XXXX/XXXX/XXXX. to make it clear I signed a note with XXXX and I have documents of this. XXXX has released the lien and satisfaction of mortgage. Ditech has changed to Ditech LLc a debt collector and continues to report on my credit report and will not XXXX out the balance. I do ask them to credit my account. I have asked many time to see both sides of the books and a complete audit and they refuse. I hate to have to sue I will receive a large sum for all the fraud this company has done. Nor did I ever authorize this company to have my personal information. I have my common law copyright and trade mark on file in the county I live and sent a copy to Green tree. They have ignored me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We had a legal and binding contract for the purchase of XXXX XXXX XXXX XXXX tx XXXX. We offered well above asking price on the short sale purchase. The contract was accepted by the homeowner and Ditech, the third party lender. After selling stock for the down payment and paying out of pocket for home inspections, XXXX weeks prior to closing, Ditech closed the file. We could not understand what happened as they made a phone call to our realtor to say the file has been closed and they 're pulling it off the market. We were willing to close early if a closing date of XX/XX/XXXX was an issue and we were also willing to pay more then our excepted offer by another XXXX. After excepting an offer and being in a legally binding contract for the sale of this home they were unwilling to negotiate at all on good terms. we feel this was done under handedly after paying out-of-pocket for something and they should have never excepted an offer in the first place if certain numbers in limits were in place for them to go by the fact that they excepted the offer to begin with they should 've uphold their word and legal binding contract to continue and finalize the sale of this home. Please file a complaint against Ditech for bad business and having backed out of a binding contract. Contact us if there can be resolution. XXXX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My wife and I have been pursuing a short sale on a house we own. The interest-only period adjusted on our property, and we can no longer afford the mortgage. The value of the house has depreciated to the point that it is not worth near what we owe on the house. We started the process in XXXX XXXX. We have a buyer who is willing to pay the full amount our real estate representatives calculated was a fair market price. After having all the paperwork together and all financing prepared by buyer, the mortgage changed hands from XXXX to SLS. After resubmitting everything and being very diligent with the paperwork, the closing date was moved three more times by SLS because they were not ready. This caused my buyer to re-secure financing because her original agreement expired. More inspections and appraisals followed until everything was ready by the buyer and, we assumed, SLS. On Monday, XXXX XXXX, XXXX, SLS informed me that my short sale had been rejected by the PMI provider. My real estate attourneys informed me that I needed to file an appeal. I contacted the PMI provider, XXXX XXXX, and they informed me that they did not reject the short sale, they actually accepted it with an {$8200.00} promissary. I contacted SLS about this and they did not have any record of this on file. After contacting XXXX again, and talking to another representative, they confirmed that they talked to an SLS rep named XXXX XXXX and told her that they accepted the offer with the {$8200.00} promissary. Rather than recording this offer, SLS closed out my short sale file Monday morning. This is not acting in my best interest. I would have been very receptive to this offer rather than having to start the whole short sale process over again. My buyer has been waiting around for over 8 months now, and I am in danger of them just walking away. This would result in me probably losing the house to foreclosure. At this point, we are desperate for help. SLS is not doing what the government says the lenders should to provide foreclosure alternatives to us homeowners. They had a good offer that they refused to notify me about. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Citi Double Cash credit card gives you 2 % cash reward ( 1 % when you make any purchases and another 1 % when you pay the balance. ) I bought a phone from XXXX XXXX using XXXX credit card. When I returned the phone, an XXXX staff asked me to give him a card so he can put the refund money on it. Because of my confusion of having too many cards, I gave him my Citi Double Cash card. 
When the {$1000.00} refund transaction was clear, Citi thought that it was a refund from my using their credit card, so they deducted {$4.00} from my cash reward balance instead of giving me {$9.00} more ( I spent {$540.00} on purchases and paid {$350.00} I owed them. ) Thus, my total loss was around {$13.00}. 
I called Citi and explained, a guy ( I ca n't recall his name ) said he did a dispute, and I could expect to receive {$15.00} back in XXXX5 business days. 
Today XXXX/XXXX/16, I called back asking why I have not seen the {$15.00}. Another guy said he was not able to find any disputes on my account, which means the first guy lied to me. After talking to his supervisor, this guy said they refused to give me the money. 
I think this is absolutely wrong. The amount of {$1000.00} was not from Citibank. I did not use Citibank 's credit money to make the purchase. It was supposed to be considered as 'payment ', not 'refund '. Thus, they had no rights to deduct anything from my cash back reward. Please help me work out a solution with them. 
Thank you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Call received from a collection agency as in represented as a lawyer claiming false statements to collect a wrong amount. 

Received letter from collection agency with incorrect amount. 

Copy of insurance included with the correct amount. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/2016 I received an email from my boss authorizing a wire payment for {$21000.00} to be sent to a consultant named XXXX XXXX to an account at US Bank NA in XXXX XXXX, MN. I sent the wire and then confirmed this with my boss. He then told me that he never sent this email. The email turned out to be a " spoof '' from someone who hacked into our email system. I promptly informed XXXX XXXX XXXX ( our bank ) to recall the wire and they confirmed later that day that the wire had been recalled. Today ( XXXX/XXXX/2016 ) I called XXXX to confirm and they told me that they are not sure that they could recover the wired funds. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response