AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX, a non-attorney at Linebarger Goggan Blair & Sampson , LLP gave me legal advice over the phone about debt I did not incur. My vehicle was driven by someone other than myself through toll lanes. They incurred a violation and did not pay it. Now I owe over {$100.00} for something I did not do. I asked XXXX if there was anything to be done. I was in XXXX for the time and can not think of who out of the XXXX people at my office drove my car. XXXX, a non-attorney offered my legal advice by telling me to take civil action against the person responsible. That is legal advice and patrick is not a lawyer. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Case number : XXXX On XXXX/XXXX/16, My request was to have the " account in dispute '' remarks deleted. I was told by Experian that the creditor refused to remove the comments on XXXX/XXXX/16. And since " the creditor pays them and the consumer does n't '' the comments will remain. 
On XXXX/XXXX/16 I requested to receive a copy of the information submitted to XXXX. 
Experian is unable to provide me docuementation stating the specific details of my dispute request. Their system shows the request, but they are unable to provide me a copy of the request they sent to the creditor. I also asked for a copy of their policy that states dispute remarks can only be removed by the creditor ; they will not furnish that documentation either. 
How can I determine as to whether my dispute was submitted appropriately? Fannie Mae requires that such remarks be removed from the credit report. I am supposed to close XXXX/XXXX/16. 
I added a statement to my report to reflect that I am not disputing the acct, the creditor refused to remove the comments and Experian will not remove the comments without the creditor permission. 
How CONVENIENT and UNFORTANATE it is that MY statement can not be seen by the mortgage lender, but I can see it on my report online from the Experian website! 
This is a miscarriage of justice and Experian 's DELIBERATE WILLFUL VIOLATION of my consumer right protected by the FCRA to have or not to have my OWN consumer statement on my credit report! 
See attached letter to Experian. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have XXXX separate investment accounts ( XXXX personal and XXXX IRA ) with BMO Harris Bank. 45 days ago I sent instructions to transfer all money and equities to XXXX XXXX. In the last few days, XXXX XXXX has made numerous telephone requests for any information and has only received run around remarks such as " I do n't know '' or " I have no idea who you can call '' or " I do n't have that information ''. Obfuscation, foot dragging and total fiducial irresponsibility by any measure -- -no professionalism and possibly theft such as loss of opportunity profit. BMO deserves to be penalized for lack of acceptable minimal procedures and ethics. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: A account from XXXX XXXX XXXX appeared on my credit as well as several fraudulent accounts. I disputed the trade line with Transunion and supplied them with a copy of my police report, the account was removed. However, they re- inserted the entry without informing me- when the account does not belong to me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My father provided me with with a down payment for a house on XXXX acres of land in NH. My mortgage loan was approved for {$150000.00}. After the mortgage loan was approved, the seller stated that he would only complete the transaction if an additional XXXX acres was included in the sale for an additional {$60000.00}. We made a sales agreement for the additional land and paid for it directly to the seller. At the closing the mortgage and deed included the dwelling and the entire XXXX acres. The closing process should have deeded the dwelling and XXXX acres to me as approved on the mortgage application. The additional XXXX acres should have been deeded to my father and mother because they purchased that parcel of land on a cash basis. The original mortgage was held by " Country Wide ' but is now held by Bank of America. Bank of America will accept an application for release of the XXXX acres. The request application carries a charge of {$500.00} and only provides a review of the situation. I think it is unfair to have to pay {$500.00} to Bank of America to consider my request. In fact, further review of the attached documents will clearly show the said XXXX acre tract was clearly purchased and paid for in-full at the closing. The XXXX acres of land in question, therefore, should not be included as security on the current mortgage loan. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Made a $ XXXX+ payment on my line of credit ( LOC ) via a direct ACH transfer from one financial institution to Wells Fargo ( WF ) on XXXX XXXX. The funds came out of my account at the sending financial institution on XXXX XXXX. Wells Fargo credited the payment to my account ; however, seven days later the LOC is still holding that $ XXXX+ as unavailable. 

I called Wells Fargo to have the hold removed. Was advised that because of the high dollar amount, a 14 days hold was put on the account. Yet there was a way for the hold to be removed : if I have the sending financial institution send a confirmation of the funds being sent on its letterhead, WF would remove the hold within an hour. 

This solution does not sit well with me as it puts the burden on the customer - me - to facilitate communication between the XXXX financial institutions. Why do we in the USA have a banking system with clearinghouse capabilities if the customer is being asked to handle such functions. I feel that WF should have reached out to the other financial institution if confirmation was required. [ It should be noted that the WF customer service associated confirmed that WF had received the funds. ] Also, why hold the LOC for 14 days if the hold could be removed within an hour with such communication? 

As of today, the LOC still has a hold. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: At the time I purchased the Condo my old last name was XXXX ( I am now married thus my last name is now XXXX ) I purchased a Condo and it is being financed by Citi Mortgage. For many years I was able to maintain on time payments for the Condo as well as the HOA fees. Years afterwards I found myself in a financial hardship due to family issues, I hurt my back and had to miss work and a change of job which had a lower salary. I notified CitiMortgage for a loan modification. After many years and an excessively amount of paperwork they lowered my loan less than a XXXX This was gave me no more relief because I was no longer making the money I had presently been making. So after a year I submitted for another Loan modification, but to no avail. So after much consideration I decided to put it in for a Short Sale. I contacted a XXXX representative named XXXX XXXX and her firm along with XXXX XXXX attempted several times to show and get a buyer for the Condo. At least 3 times we had contracts in and after Citi Mortgage continued to drag there feet and prolong the process each one of the buyers backed out of the contracts. After discussing our other option with our Realtor she informed us that we should contact Citi Mortgage and attempt to get the necessary paperwork to try to do a Deed in Lieu. After many failed attempts to resolve getting rid of the Condo because we can no longer afford this property we are reaching out to you with hopes you can get in contact with them and get us the necessary relief and paperwork to start the process of the Deed in XXXX. Thank you in advance for all your assistance in this extremely urgent and important matter. Also financially we are also now taking care of our XXXX grandkids so we just can not afford the Condo and are trying to save face and just get rid of the Condo respectfully. We do not want to go through a foreclosure so after discussing our legal options we feel this would be best for both parties involved. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was sent a collection notice on a bill that I paid already. Hospital has no record of sending to collections. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: File number XXXX dated XXXX/XXXX/2015 by Transunion reflects on page XXXX of XXXX ' XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Paid Collection shows above XXXX XXXX XXXX I HAVE NEVER OWNED A XXXX IN MY LIFE. NOR FINANCED XXXX TRANSUNION SHOWS A 30 DAY LATE WHICH IS WRONG 

Company response: Company chooses not to provide a public response
Consumer complaint: History : I submitted a insurance payout check from essurance to US Bank to pay off my auto loan. The bank has confirmation within their record keeping of possession of check and I have email confirmation ( XXXX/XXXX/2012 ) from XXXX XXXX that they are in passion of the check. XXXX in a call stated that there was an issue, the essurance check was more than the payout of the loan we agreed that U.S. bank would write me a check for the difference. I followed up with US Bank and was advised XXXX no longer works with US Bank, they were unable to locate the essurance check, and my account was now in collections. I have tried for over three years to resolve but bank representatives state they can not help me that I must make a payment. Bank reps have refused to return my calls or agree to meet with me. The balance has been reported to collections affecting my credit. I read an article about your agency 's ability to resolve matters and I seek your help. 

Company response: Company chooses not to provide a public response
Consumer complaint: Southwest Credit XXXX continues to harass me 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Cashnet USA keeps debiting my Savings Account and causing me undue hardship because everytime they do that it cost me {$30.00} ; They initially charged me {$220.00} and now they want another {$220.00} ; they keep playing games and having different people call me to make verbal arrangements ; they sent me an e-mail with an offer and I sent them a counter ; then they sent another person to call me to record me but, I did n't make a verbal agreement. I have the documentation to subtantiate my complaint. They keep changing the payment arrangements and due dates to keep me paying them longer and more money 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: We bought our home in XXXX, 2014. We made timely payments and XXXX of us lost our jobs so we contacted our mortgage company to set up bi-weekly mortgage payments, which was fine as long as the full payment was made by the due date each month. Needless to say, come a few months later, their mitigation department started sending back our mortgage payments stating that our due date was the XXXX, which it was the XXXX, and we never went that further than the XXXX of each month. We needed a loan modification for bi-weekly payments, when in fact, in our mortgage documents at the closing table, we signed up for it in the very beginning, we just decided to make the full monthly payments at the time. No one tried to contact us, mail us any form of loss mitigation form, new FHA streamline refinance options like other mortgage companies were doing. We never heard a word, until a law firm tried to foreclose on our home. We had to take a huge loan out on our XXXX just to keep our home! The law firm told us to contact the mortgage company, mortgage company hung up on us repeatedly. Cussed us out then hang up. It was a constant headache and circle. We do not want this to happen again. Now we ca n't refinance due to this company for months and are afraid this will happen again! 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo charged interest on the full amount which does not recognize multiple payments made within the billing cycle. 

Company response: Company chooses not to provide a public response
Consumer complaint: Fraud charge on credit card for product never received. 
BarclayCard Services XXXX. XXXX XXXX XXXX, DE XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX abused me as XXXX and promised to delete the negative report if the account paid in full. The account was paid in full on XXXX/XXXX/2015 {$250.00} and it still shows as in collection. I want my negative report to be removed as promised since I was abused from the XXXX credit bureaus. XXXX, XXXX and XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The balance on my XXXX XXXX account ( XXXX ) goes from XXXX to {$49000.00} to XXXX to {$49000.00} several times over the past six months. It was XXXX in XX/XX/XXXX, had the balance in XX/XX/XXXX ... then XXXX on XX/XX/XXXX and again has a balance on XX/XX/XXXX. 
I have attached documents showing that this balance has been paid and the mortgage cancelled. I have also attached documents showing this progression of errors from XX/XX/XXXX until now. This fluctuation error is costing me thousands of dollars in interest rates due to the major changes in score from one month to the next. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a mortgage loan thru PrimeLending, got approved and went into the closing with the tittle company. Everything was signed and I was provided with documentation about the amount needed to close the deal that had to be wired. I wired the money to the title company and informed the involved parties about the transaction. After 48 hours I was contacted by the originator, and he told me that I missed to pay the full amount for the closing. When we reviewed the documents, he told me that apparently a glitch in their system did not put the correct amount into the closing cost sheet. When I revised the file, a credit from the lender was missing, as a well as other amounts were changed. The originator told me that I had to pay for their mistake or I lose the deal. The amount the lender claims I owe is {$210.00} I do not feel this is ethical as they can also say can later on claim that another glitch happen and another amount would change for no real reason in the future. I fear this lender would incur in such practices through out the life of the mortgage as I was later on dragged into multiple changes that skyrocket the costs and are out my budget with each review. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Wells Fargo Legal Department submitting to the reckless demand of XXXX XXXX XXXX XXXX to out XXXX levies on my husband ; 's account and wiped out his savings. Because it iwas XXXX my income and the legal dept of my bank -- XXXX bank advised me that the levy was improper and rejected it. It was proved true by our CPA later. Wells Fargo is unnecessarily delaying to lift up XXXX successive levies that causes hardships on my husband.. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: They are saying they can take me to jail for something i knew no knowledge of has farr as XXXX for my lisense plat XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/XXXX I opened and a SECURED self-funded credit card with {$400.00} at a Wells Fargo Bank. I never used the card. I did pay the annual {$25.00} fee. On XXXX/XXXX/XXXX I phoned Wells Fargo and cancelled the card. It was agreed that I had never used the card and had authorized no recurring charges to occur on the card. The balance ( minus the annual fee ) was intact. I was told that it would take 45 to 60 to release my money. I find the 45-60 day delay in refunding me unacceptable as the card was immediately voided and as it was a secured self-funded credit card had no liability to Wells Fargo Bank ever. Wells Fargo 's written terms for holding the the balance states it is " to cover transactions that may be posted to the credit card account after it is closed '' which makes no sense. 

I would appreciate CFPB to investigate this practice at Wells Fargo bank. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a vehicle on XXXX from XXXX and I was approved twice through American Credit Acceptance. Now I am receiving a call from XXXX stating that I need to return the vehicle because they could not verify my income. I have been working XXXX for 13+ years and its not hard to find out. I received another call that stated that ACA was not going to finance the vehicle now. My question is why was I approved not once but XXXX in one day and now all of a sudden after I have had the car for 13 days they are declining my approval? I called the company that is in my contract for approving my car laon and they do n't even have me in there system with a name or anything pertaining to the car I received. XXXX is n't telling me anything but bring the car back and they ca n't even give me answers as to why this is happening. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a issue where Bb & t has withheld funds since XXXX 2015. My account was abrubtly closed without given me a reason with $ XXXX in the account. Ive attempted to resolve this numerous times in the branch that I opened the account and no one can tell me anything. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XX/XX/XXXX To Whom It May Concern : In XX/XX/XXXX, I obtain an XXXX mortgage loan with XXXX, secured by XXXX. My loan was then sold to XXXX XXXX XXXX. I lost my job in XX/XX/XXXX due to the economic recession and was forced to do cash for keys in XX/XX/XXXX, returning my home back to XXXX. XXXX XXXX XXXX has sold my loan to a collection agency, Real Time Resolutions to collect on the home equity portion of my loan, which was also secured by XXXX. They continue to call me weekly asking for payment. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: During the year of 2014 from XXXX thru XXXX. I was making monthly payments to Green Tree Servicing LLC for my home mortgage. In XXXX 2014 I received notice that Green Tree was foreclosing on my home for not making payments. I was able to stop the foreclosure by signing a loan modification. Green Tree did not give me credit for the payments I made from XXXX thru XXXX even after I provided bank statements show them that the monthly payments were made. Since this problem started Green Tree changed names and now go under the name of Ditech Financial LLC. I was told by Green Tree and Ditech that those payments should be retuned, but to this date I have n't received anything. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/16 I leveraged US Bank 's website to re-order checks for my account. It sent me to an associated 3rd party vendor, which was authorized to print, mail, and charge for check orders. This 3rd party is called XXXX XXXX XXXX , XXXX. 
I went through their process to design and order my checks, in doing so I was provided information that illustrated that my order had a Discount. This discount matched the subtotal for my order through the process. At order confirmation, it was still illustrating to me that my Order Total was {$0.00}. As such, I thought I was ordering my checks and authorizing them to not charge me a fee, as that is what was presented. Then on XXXX/XXXX/16 I saw a " Check Printing Charge '' for {$54.00} taken from my account. On XXXX/XXXX/16, I filed a inquiry to XXXX to clarify what had happened and to ask for a refund. On XXXX/XXXX/16 I received this response : I 'm sorry if the fee was n't displayed before you submitted the order. I will certainly research if this is an issue on our end or deluxe. You may return the checks to your nearest branch at usbank.com/locations. In the future, you may call us anytime at XXXX to ensure there is n't a fee. 
I replied with attachments that illustrated " Discount '' and authorized total of {$0.00}. Then I received this response : Thank you for your reply. This why I suggested for you to visit the nearest branch, so you can return the checks and they 'll have the fee refunded to you. 
I do not understand why, if I was presented {$0.00} for my order, and that is what I authorized why I was billed {$54.00}. In addition, I do not understand why US Banks customer service wants me to return the checks to be refunded. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a home loan modification and made my payments on time. My modification was officially approved and I just received a phone call from Bank of America yesterday letting me know that my modification was approved. The late payments are erroneous. This is also an FHA loan. 

Now I am not able to get a new mortgage loan because of late payments on my record. 

Company response: Company chooses not to provide a public response
Consumer complaint: My previous dispute of a XXXX XXXX XXXX account stated that my first default was in XXXX. The credit bureaus did their best obtaining information from the creditor, but not the creditor shows the first late XXXX XXXX. As we are now in the 7-year rule timeline I will accept the reading on my credit reports. AS the law stipulates with the Fair Credit Reporting Act, the legal timeline as to the presence of the account has passed. The account must be deleted immediately, and my file information must be purged permanently. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: There are accounts in my credit file that do not belong to me and Trans Union is ignoring my requests to investigate and remove them from my credit file. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I called Santander Bank to close my account. The representative refused to close my account even though there is currently a XXXX balance. The withdrawal to empty the account was considered " pending ''. The told me she could not put a note on the account to close it when the transaction cleared, nor could she confirm that at the moment I would call in in the next few days that it would be closed. Horrible customer service. They provide no option to close the account via secure message either. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: CASE ID : Previous CFPB filed XXXX XXXX, 2013 case number is : # XXXX against the credit reporting agencies included correcting the BOA Credit Card Judgement issue. Current credit card report received yesterday from XXXX & XXXX show that BOA Credit Card did not take action to correct or settle this complaint. Negative is still showing by the credit card reporting agencies due to negligence of BOA Credit Card Dept. 

Company response: Company chooses not to provide a public response