AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I purchased a Condo in XXXX in XXXX the mortgage was for {$1400.00} monthly with an XXXX fee of {$380.00} I made all payments on time til XXXX when the market dropped and property values plummeted, I tried to do a loan modification with Bank of America which they declined, I asked them to take back the property or foreclose, I moved to XXXX waited XXXX no foreclosure I called to inquire about a short sale a deed in leu or a mortgage release. I was told to do any of them I would have to try another modification I tried and was denied again, I waited another year still no foreclosure, I then called and asked when would they be foreclosing on the property and was told XXXX months or so, due to other credit issues I filed for bankruptcy in XXXX included the property and was relieved of the mortgage debt, but since the property has not been foreclosed yet to this present dated the HOA fees are no longer {$380.00} they 've gone up over the years to {$510.00} and I am liable for every single fee since the bankruptcy settlement. The bank refuses to accept a short sale and continues to reset the clock on the foreclosure process, this has been ongoing since XXXX I am unable to get a mortgage, credit card, car loan, anything having to do with credit because I keep getting judgements against me for the HOA fees as of last month they are stating I owe {$17000.00} and they ad {$510.00} every month after. I have done everything the bank has asked of me for the past XXXX years sent all the paperwork that they have requested of me and still to this day there seems to be no end or resolution to this situation. I 've spoken with over XXXX people at Bank of America and anytime it seems I 'm getting somewhere with someone they change my account specialist on me and make me start all over, I have XXXX children to take care of and its difficult trying to move on with my life when someone could continue to get {$510.00} monthly for a property I do n't live in and that a bank refuses to foreclose on. 

Company response: Company chooses not to provide a public response
Consumer complaint: The company FIA card services which is a subsidiary of Bank of America filed a default judgment against me for credit card debt accrued by defunct company MBNA XXXX on XXXX/XXXX/XXXX. 

I applied for and maintained a business credit card with MBNA on XXXX before the company went out of business. The debt was accrued during the year XXXX. Bank of America acquired MBNA in XXXX and this arm became FIA card services that same year. Since my debt was initiated and established during the existence of MBNA and NOT after the acquisition period, this default judgment is a direct violation of the FCRA, as FIA is attempting to collect a debt of the defunct company MBNA XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am working with a debt company who has legaly rights to help me. This XXXX credit company after fax to them who is handleing do not call my number has been harrassing me non stop even at XXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Today I was charged {$210.00} in overdraft fees on my checking account ending in XXXX at Regions Bank. Regions Bank is an XXXX Company with facilities in XXXX where I live. I had a {$75.00} ACH withdrawal from a financial services company go through yesterday along with a bunch of pending transactions from this weekend. Because the {$75.00} funds were taking out first I have been charged overdraft fees on a bunch of smaller transactions. I spoke with someone from Regions and they informed that it is Regions policy to take out larger amounts first and then smaller amounts. Their justification for this was that " we wan na make sure your bills get paid so we take out the larger amounts first. '' I am not sure that this is a defensible position. Regions had made an arbitrary decision on what order to process their transactions in. It seems to me that Regions should be processing pending transactions for low balance accounts in the order that results in the lowest amount of overdraft fees for their customers. But even if Regions does n't want to take that position, which would be most favorable to their customers, then the transactions should at least be processed in the order that they were made. Had all of the smaller transactions gone through first and then the XXXX XXXX debit, I would only have been charged XXXX overdraft fee. The Regions representative I spoke with informed that I am not eligible to have these funds refunded because I have already had a refund of overdraft fees on this account. I am not requesting a refund of ALL overdraft fees, I am just requesting that the transactions be posted to the account in the order in which they were made. This would result in me only being charged for XXXX overdraft fee. I have done some research and it appears that this process of " reordering '' is happening throughout the banking industry. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have engaged Wells Fargo in discussion about the wrongful foreclosure process on my real estate security. The following occurred in conjunction with my loan : Account : XXXXReal Estate Residence:XXXX XXXX XXXX XXXX , CA XXXX ) Wells Fargo falsely stated that I should default on my mortgage to obtain a loan modification. Such advice got me behind on my mortgage to which point I could no longer maintain payments without a loan modification. 

2 ) Wells Fargo falsely told me that a short-sale was not possible within the last 6 months leading up to my foreclosure. I found out that this was not true and could have saved my security. 

3 ) Wells Fargo 's customer care and recovery group has bribed and lied to me on many occasions regarding review of my loan. They will not furnish proof of review, recorded conversations, nor led me speak directly with their Vice President despite numerous requests. 

4 ) Wells Fargo has caused extreme grievance, undue XXXX, and sickness as a result of the foreclosure process. It has come to my attention that some of the people I worked with or attempted to contact at Wells Fargo are no longer with the firm making it difficult to gain traction. 

5 ) Wells Fargo has fabricated documents that were never sent to me during the foreclosure process. This in itself is a violation of investor and federal guidelines. 

6 ) Wells Fargo refuses to settle with me in terms of compensation for such a failed investment and wrongful foreclosure practice. I requested a settlement of {$250000.00}. Given my investment into the property, including loan payments during the course of loan amounted to {$360000.00}. 

I have worked for the last XXXX years on this case with the Wells Fargo Customer care and recovery group ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ). I have requested direct correspondence with XXXX XXXX and XXXX XXXX. Both are Vice Presidents. However, Wells Fargo has failed to comply with my requests. 

Thank you. 

XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX we did a Loan Modification on our XXXX and XXXX Mortgage. XXXX XXXX XXXX was our XXXX Mortgage Company. They agreed to a modified monthly payment of {$100.00}. Sometime in XX/XX/XXXX the XXXX Mortgage was sold to a company XXXX XXXX and we continued our {$100.00} a month payment as agreed. In XX/XX/XXXX or XX/XX/XXXX XXXX change there name to Shellpoint Financial. In XXXX XXXX we were reviewing my Credit Report and found we have late payments reported by Shellpoint. ( It should be noted that during all this time we continue to make our agreed payment of {$100.00} a month ). We contacted Shellpoint and after several calls without getting anywhere and wanting to remove the late payments from my credit report we sent them an extra payment of {$300.00} in XXXX XXXX and extra payment of {$200.00} in XXXX XXXX. This extra payment were made because Shellpoint refused to help us in anyway or explain to us why we had late payments on my credit report. On XXXX XXXX, XXXX I checked my credit report again and found out that there are still several late payments. I contacted XXXX and spoke to XXXX XXXX and she refused to work with me or explain why this happen. I have tried hard to clean up my credit report and I do not feel that is right that they are showing a late payments when we have made our agreed monthly payment since the beginning of the modification. The Following breakdown of payment for the last 12 months of my bank records as follows:XX/XX/XXXX - $ XXXX - $ XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XX/XX/XXXXXX/XX/XXXX - {$100.00} Payment for XX/XX/XXXXXX/XX/XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XX/XX/XXXXBecause of there errors it 'll affect my ability to buy a new home or obtain any credit. Any help you can gave me regarding this matter is greatly appreciated. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have had a car loan through Ally Financial Inc. for three years. I have had many issue 's with this company starting soon after. There have been a total of at least XXXX checks that have been " lost '' by this company. Forcing me to reissue the check. The call center for this company is located off-shore. The individuals working in the call center do not speak clear, concise English. They are unable or unwilling to help. Though they have no trouble in using many different bully tactics to intimidate and threaten. I have received up to 10 calls in a day. These calls are robo-dialed, when I answer the phone, I have had to hold on for up to 3-5 minutes to waiting on XXXX of these individuals to come onto the phone. The calls can come every 15 minutes, or every two hours. This company states they may record calls for quality assurance and/or training purposes. However, if told that they are being recorded, they state that they can NOT be recorded. I attempted to be nice in the beginning. I have now become just as rude and mean to these individuals in the same manner as they are to me over the phone. Ally encourages and condones the questionable business tactics used by these call centers. The one time that I did speak to an individual who was located in Texas. I was called " racist '' for having the utter audacity to complain about the inability of the off-shore call center to speak clearly and their inability to answer the most simple of questions. Now, for the first time, my loan has went past the 30 days, due to the fact, yet another payment has been lost, not received or not posted in a timely manner. Which adds another late fee, in addition to being reported to the credit bureau ( s ). I have resorted to sending payment with a delivery confirmation, which is an additional expense of XXXX-XXXX dollars, when I am able to. It is my firm believe that this company is conveniently loosing my payment in retaliation for my not quietly accepting the treatment by the associates, agents, employee and/or representatives of this company. The bully tactics, harassment, intimidation and threats, which are both express and implied, are going to have to stop. If this company expects respect then they need to show a little respect. The added stress that is directly related to Ally and their less than professional business tactics have started to affect my health. I would like for an investigation to be conducted concerning this business. This business needs to supply the requested documentation. I do not believe that a company can loose XXXX or more payments in three years. The bullying and revenge/retaliation tactics need to stop. I am considering bringing a legal suit against this company and will include the mental and emotional distress caused by this company. 

Company response: Company chooses not to provide a public response
Consumer complaint: On both my transunion and XXXX report XXXX has my account listed as charged off or repossesed. My car was stolen and I have the police report to prove it 

Company response: Company chooses not to provide a public response
Consumer complaint: First National Collection Bureau Inc is the debt collection agency for XXXX XXXX. I am a victim of identity theft and someone stole my personal information and identity and opened up an unauthorized and fraudulent credit card account with XXXX XXXX. The account do not belong to me. First National Collection Bureau debt collectors has repeatedly called me about a debt for {$390.00}. I do not owe the debt to First National Collection Bureau. I have received countless phone calls from First National Collection Bureau in regards to the debt owed and have been harassed, verbally abused, sweared at and threaten with arrest, harm, death and wage garnishment, if I do not pay the {$390.00}. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I HAVE ITEMS THAT DONT BELONG TO ME THEY AREE A PRODUCT FROM I DENTITY THEFT I CALLED THE CREDIT BUREAUS THE AGENT BARELY SPOKE ENGLISH I GOT NO RESOLVE AND NO UNDERSTANDING OF WHAT TO DO. THEY TOLD ME I HAD TO CONTACT ALL THE CREDITORS MYSELF FOR THEM REPORTING THE WRONG INFORMATION. 

Company response: Company chooses not to provide a public response
Consumer complaint: i entered disputes with all XXXX bureaus. i do not know what steps to take next they told me to contact creditors for them reporting incorrect information. i sent them my police report and ftc statement. 

Company response: Company chooses not to provide a public response
Consumer complaint: I do not owe XXXX XXXX XXXX or XXXX XXXX XXXX. I have abided by all contractual obligations and have paid rent in full covering the entire stay in the apartment complex. I gave notice and left the apartment paying all rent in full. I left the apartment due to XXXX XXXX instances which there was theft to my property and that my life was in danger due to possible fire. As the result of their unlawful claim in my credit history, I have been denied to rent elsewhere 

Company response: Company chooses not to provide a public response
Consumer complaint: I responded to an email from Wells Fargo to refinance my home mortgage. The email stated how easy it would be since I was already a Wells Fargo customer. Wells Fargo purchased my mortgage last XXXX. I spoke with a mortgage specialist. He obtained my credit report. After going over my credit report he said there looked to be no problems, that we needed to proceed, and we should close in approximately XXXX days. He said we needed to order an appraisal of the house and said there would be a {$500.00} fee for that and I needed to pay it immediately. I paid the {$500.00} ; the appraisal was performed by a Wells Fargo employee. Then I heard nothing. The mortgage specialist then said the underwriter was looking at a short sale I was involved with in 2011 when I sold my home in XXXX, Michigan. He said the underwriter wanted proof the house was sold. I submitted the requested documents. Again a period of silence, I inquired about the status of the loan and was told Wells Fargo was rejecting the loan application since XXXX years had not passed since the short sale. The XXXX year anniversary will be XXXX XXXX. However, Wells Fargo purchased my mortgage last year when I was only XXXX years removed from the short sale. I fail to understand how I was a good credit risk a year ago, but I am unqualified now. I have never been late or missed a payment ; my income-to-debt ratio is the lowest it has ever been ; the loan-to-value is 52.32 %. Wells Fargo faced very little risk if they made this loan. 
My grievance is that the mortgage specialist had my credit report. The credit report shows the negative short sale of 2011. He stated that everything looked good and we needed to proceed. If there was a question of my creditworthiness there was no need to rush ahead with ordering the appraisal. My creditworthiness should have been ascertained prior to ordering the appraisal. It was nothing short of a money grab by Wells Fargo. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX reported to TRANS UNION that My account was LATE and in their COLLECTION Dept. 

I was in the midst of a dispute with XXXX over a {$300.00} early termination fee since I was told by a XXXX Customer Service Representative that the cancellation fee would not be imposed since I notified them I wanted to cancel HOWEVER wanted to keep my same home telephone number which may take 7 -10 days to be released. 
The trial period was ONLY 14 days, I called on day 13 to cancel but was told I would not be able to keep my number unless I waited until XXXX released it. 
Thus it would be impossible to terminate service and keep my number ( which I 've had for 23 years ). 
A few days later when i received notice that my number was released I terminated service. 
I received a statement stating I had service for more than 14 days and therefore I would be charged the {$300.00}. 
I spent countless hours trying to speak with representatives and get XXXX to investigate the rep. who assured me the cancellation fee would not be charged. I sent XXXX letters to XXXX disputing the charge. 
Without a XXXX party or fair investigation, XXXX assigned my account to their Collection Dept. 
I disputed the wrongful tactics of XXXX. Preventing me from canceling within 14 days and keeping my 23 year old telephone number. 
XXXX claimed the rep. did not enter the comments into record and therefore the agreement to charge my was valid. 
XXXX should not be able to report my account as in collection while I am disputing the charges. The also should be required to have a third party investigate since XXXX simply denied their representative had told me or had the authority to tell me the early termination fee would be waived while awaiting the release of my home telephone number. 
I have paid IN FULL my account including the {$300.00} and XXXX still refuses to enter a new report to Trans Union without the indication that it was in collection. 
My credit score has suffered, dropping over XXXX points. 
IT is the ONLY adverse information on my credit report. 
Trans Union refuses to remove the collection designation even though it is paid. 
I told them it was reported while I was actively waiting for XXXX to investigate. 
Trans Union " investigated '' and a letter arrived showing that XXXX still shows it was in collection and thus it will not be removed until 2019! 
I want Trans Union to remove the Collection designation. 

Company response: Company chooses not to provide a public response
Consumer complaint: Husband defaulted on student loans, Allied Interstate began garnishing 15% of his wages. They stated this will happen for XXXX months & on top of that we pay additional XXXX towards loans. It has been XXXX months with garnishment, we have sent all paperwork requested in (even though they sent us wrong form, stated they lost items we sent in, etc.) now that garnishment is supposed to end, they state that they want us to pay XXXX per month instead of XXXX on top of the 15% of wages. We cannot afford this. We can afford the payment, but not along with the hundreds of dollars each month they are collecting - none of which is going towards the student loan balance. They want us to basically start over with garnishment for another XXXX months, but paying  higher additional amount per month on top of garnishment. Now they sent us a new letter as if we were starting over. We are supposed to sign it and return it or else they said we won't be able to rehabilitate the student loans.
Company response: Company chooses not to provide a public response
Consumer complaint: I was charged XXXX {$35.00} overdraft charges which I feel are not due to my error but rather the banks. My bank has a Bill Pay Service which I use for various debits XXXX of which was my monthly rent which I indicated to be paid XXXX/XXXX/2015 since my deposit would not go in until that date. The bank Bill Pay Check dated XXXX/XXXX/2015 was posted on XXXX/XXXX/2015 creating an overdraft since the account balance at that time was {$380.00}. The XXXX overdraft fee was charged due to an {$20.00} debit also on XXXX/XXXX/2015 at which time there was {$380.00} in the account, however, due to the bank 's accounting method it posted " after '' the {$950.00} debit. There were XXXX other debits posted on XXXX/XXXX/2015 but these posted prior to the {$950.00} debit. This policy seems to me to be selective and inconsistent. Enclosed is a copy of my bank statement and letter to XXXX of XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Any credit information on my credit report concerning the Kentucky address shown on the attachment is not my information. 

I have never lived in Kentucky or attended school in Kentucky. 

Simply not me. 

Company response: Company chooses not to provide a public response
Consumer complaint: CMC Funding has not been able to make accurate nor timely personal property taxes, even though there has been adequate funds in my escrow account for this purpose. My taxes are to be paid in XXXX and XXXX. The XXXX payment was in arrears until XXXX of 2015. CMC Funding assured me that this would not occur again, and that they would work with me. I received a delinquent tax notification from my county that the XX/XX/XXXX payment was not made. 
In XX/XX/XXXX I sought legal counsel. With his help the XX/XX/XXXX issue was resolved. CMC Funding has been in touch with my attorney, letting him know that they were working with me directly regarding the XX/XX/XXXX payment. In fact, I have had no direct contact from CMC Funding, until I notified them on XXXX XXXX 2015 that the tax was in arrears. I went ahead and paid my county taxes with penalty and interest to the amount of {$800.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: Regional Acceptance Corporation dba BB & T Financial Services are constantly reporting inaccurate information regarding the auto that I have included in my BK-XXXX federal protection in XXXX 2013. I have contacted them several times and they keep reporting inaccurate, damaging and defamatory information against me to other auto lenders and car dealership that prevent me from obtaining credit under my own name. I have spoke to Senior Vice President XXXX XXXX at Regional Acceptance Corporation and he still has not corrected this negative and damaging information on my credit report. Regional Acceptance Corporation and its affiliated were contacted and served with prompt and proper notice of my BK-XXXX on XXXX XXXX, 2013 and lately have been reporting the car note to be late in both XXXX and XXXX of 2013 when in fact that is not true at all! There was never a late payment on this car note/auto loan. This BK-XXXX was fully discharged on XXXX XXXX, 2013. So they have no right to report damaging information as to the lates on the auto loan when in fact it was included in the BK-XXXX on XXXX XXXX, 2013. I want this OFF my credit report at once! 

Company response: Company chooses not to provide a public response