AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Dear XXXX XXXX ( CEO of Ally Bank ), If you happen to read this comment, I want you to know that your customer service/retention is awful. My husband and I over nighted several checks written and signed to both of us and instead of depositing them into my account, a representative of your company gave us the run around and ultimately referred to your companies policy to deny a deposit for any reason. XXXX, what is the point of having an online bank if I also have to have an account with a brick and mortar bank to have checks deposited? I now have to wait on snail mail ( during the busy holiday season ) to receive our checks back and then open a brick and mortar bank account just to receive OUR money from these checks. As soon as it is possible for our family, we will be withdrawing our money and direct deposits from your bank and closing our account as you clearly are not a customer friendly bank. Get it together as the CEO of this company XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is in addition to the complaint we already have. Complaint # XXXX. Wells Fargo has placed a specialist to handle our case. The problem is that this specialist by the name of XXXX has very little knowledge about our account with Wells Fargo. On a telephone call she claimed that we have filed only XXXX Modification, we told her that it has been XXXX Modifications. She persisted in insisting that it has only been XXXX. How could Wells Fargo place someone over our case who does not have knowledge of our account. We spoke to a XXXX XXXX and he asked if we wanted another specialist assigned to our case, we answered yes. But XXXX XXXX then denied us this opportunity to have someone with knowledge of our account take over. First he offers a solution then denies the solution we ask for. 

Company response: Company chooses not to provide a public response
Consumer complaint: Case # XXXX. This concerns our complaint. Wells Fargo sent us an envelope where they pretend to have wrapped this case up. We agree with only about XXXX paragraphs out of about XXXX pages. We understood that they were selling our loan It was only a case that Wells Fargo was changing Servicers and giving us a new address to where we send our payments. The rest of the information is in fact taking the truth and mixing it up with total false information. We do not agree with their explanation, we have a paper trail that proves the opposite of what they state. This is business as usual with Wells Fargo. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased XXXX ( XXXX ) tickets online via the XXXX ( XXXX ) for the XXXX XXXX performance at the XXXX XXXX , Sunday, XXXX XXXX ( XXXX show ). The tickets selected via the online site were XXXX ( floor ) seats ( {$140.00} each ). The secondary marketer ( XXXX XXXX XXXX XXXX ) fraudulently switched the seats to the XXXX section ( {$89.00} per ticket ) a lesser quality/priced seat. My wife and my experience was ruined. We spent half the performance discussing this matter with the XXXX XXXX XXXX XXXX trying to resolve it. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have disputed this judgement on numerous occasions telling experian the county clerk of of the court does not show an open judgement under my name, but experian insist their information is correct and keep sending me back to the county for more details and now they are refusing to investigate and not providing where their information is coming from. If the clerk of the court did n't provide the information and they are not seeing a judgement under my name and social where is experian getting their data from and why is this error still showing on my credit? This is n't my judegment, expeiran needs to remove this ASAP. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Upon learning this unknown company called my relative inquiring about me and a debt, I received a call on XXXX XXXX, 2016 I spoke with a XXXX and was told she was with XXXX XXXX, a mediation company, in regards to a debt I have with Advance America a payday loan company. I informed them that they violated the Fair Credit Reporting Act for contacting a relative whom I did not have contact information for let alone on my application to contact nor my persmission to contact the relative. She informed me she got her contact information from a background check and they had the legal right to do so. At this time informed her I was being represented by a firm in which was handling my debt and if they had did a thorough enough background check they would know to contact them and not me nor any relatives in regards to this matter. She refused to obtain their contact information and I also informed her that I would not like to be contacted per my rights. 
I contacted my company representing my debt and informed them of the situation and they needed the company 's contact information as they had not heard of this group and informed to make no further contact and to not accept contact from them. Upon calling to get their contact information I was given to a XXXX XXXX whom stated he was Investment group whom buys these cases to make money, I was being sued by his Auditor at XXXX XXXX and the true company XXXX XXXX XXXX has already filed on the case yesterday after my call and if I wanted to settle or make payments it would be through his auditor XXXX XXXX and refused to give his address or contact information. I was informed to call Advance America, whom would say it was sold to XXXX, in which XXXX would send me to XXXX XXXX which is XXXX XXXX XXXX and that my firm I was working with has nothing to do with this matter and is nothing but a waste of my time and money. That I do not need to utilize them or gain their authority to make a deal now or I will be getting sued and that he could see that I 'm on a fixed income and the judge would make me pay about XXXX- {$90.00} a month and I have to take care of it or I will be getting sued because he only bought my case and plenty of others for the money off of them. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: have an ongoing case ( XXXX ). I am a victim of a fraudulent car loan. The vehicle I purchased throu h have Gateway One Finance is a Lemon vehicle and is not sellable. The partial response received from Gateway One through CFPB was the first written response to my situation with the lender. I was told as I stated in my previous complant filing by XXXX at Gateway One that they do not send written notification of a fraud investigation and their findings to their customer. In Gateway One 's response, they sated that they have been reporting to the credit bureau that my account in a dispute status. This is absolutely not true. This instuition is now damaging my credit report by reporting late payments. The statement that the representative wrote in response to my CFPB complaint is about reporting dispute status is just another deceptive practice used by this institution and is steadily causing damage in my financial and credit situation. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: ( WELLS FARGO BANK , NATIONAL ASSOCIATION ) is the bank that holds my mortgage, they are consistently mismanaging my escrow account. Almost every year since they brought out my mortgage from another company at the end of each year I 've had the payable payments of more than {$2500.00} sometimes a little less for their claims of my escrow always constantly being short. Even as my land taxes went down three years in a row, my escrow for some reason was always short. When he forced me to pay the extra balloon payments at the end of each year, they tell me that this little payment make my escrow have an overage. So XX/XX/XXXX if I paid {$2500.00} plus my motley mortgage fee of {$1400.00}, does n't this mean that I now have a surplus of escrow. Now with that being said consider the fact that my land taxes decreased, my home owners insurance decreased from XX/XX/XXXX to XX/XX/XXXX ; why am I still left with a escrow shortage. I believe his bank is consistently committing theft by deception, and I will be immediately looking to my local law enforcement agency to file those criminal charges against Wells Fargo. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was checking my credit report and I saw a credit card from XXXX XXXX was opened in XXXX XXXX and I was n't in this country! I got to this country in XXXX XXXX XXXX and the credit report says that I have a balance of {$1200.00} and I have no idea about that credit card and I can prove the date I entered to this country 

Company response: Company chooses not to provide a public response
Consumer complaint: We XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have attempted XXXX modifications on our mortgage loan. Each time Wells Fargo performs illegal tricks in order to deny us. On the first Modification we were approved and promised some XXXX which we did n't receive, this modification was a joke. On the second modification we applied because we were in danger of default, we were denied because we were current on our mortgage. On the third modification Wells Fargo requested document after document. We received word that our modification was approved and to wait for documents in the mail for us to sign. Then Wells Fargo foreclosed on us. CA State law is that while one is in modification the Bank can not foreclose. But foreclose they did and said, " We take no responsibility ''. Wells Fargo broke the law and they knew they were breaking it. We saved our home with an emergency bankruptcy which cost us XXXX. Something we should not have been required to do but we had no choice. On the fourth modification Wells Fargo added XXXX in imaginary income so that we would not qualify for the modification. They justified the XXXX we did n't receive with extremely vague reasons. We then went to Keep your Home California, they instructed us to request documents for a modification from Wells Fargo to begin the process of helping us. When I called Wells Fargo some guy started yelling at me that we do not qualify and that he was going to send us nothing. We contacted Keep Your Home CA and they said this would be bypassed for the moment. We were told by Keep Your Home CA that after they saved our home we could do the modification along with the XXXX the Federal Government was helping us with. Wells Fargo sent us recast documents to sign, the information on the documents were false. Wells Fargo called the Federal money that came through Keep Your Home CA a bona fide modification. Keep Your Home assured us that the funds they contracted to give to Wells Fargo on our behalf was Not a modifications and instructed us that they Keep Your Home CA does not do modifications. We refused to sign the false documents which angered Wells Fargo. Wells Fargo is now blackmailing us in order for us to sign the false documents. Using our home as blackmail. They have told us that if we do n't sign those documents with the false information they would send the XXXX back to the Federal Government and then foreclose on us. At this moment that is what they assured us they were doing. We were assured by a legal expert that Wells Fargo 's actions are illegal, we were told this is common practice from Wells Fargo. Also we were forced to pay double for our XXXX 2014 payment and we have a left over balance of XXXX. We have done to the best of our ability to work with Wells Fargo. The last representative we spoke to assured us that the money from the Federal Government through Keep Your Home CA is Not a modification but that it is a modification. Even though its not a modification it is nevertheless a modification and asked us if we understood these facts. My wife and I are XXXX years old and in bad health. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage bank dose not report every home loan payment I made. I have made 7 payments and they only reported 3 payments. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have called Nationwide Credit , Inc. to get a physical address to send a cease and desist notice and validation notice. This company refused to give me the address, preventing me from sending a certified mailing to insure receipt of my letter. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I went to XXXX XXXX XXXX and XXXX in 2007. Not until I pulled my credit report two weeks ago did I find out that I had over {$15000.00} in private loans in collections. I never knew I had these loans nor that I took these loans out to pay for school? I keep up on my federal student loans and have them in a income contingent plan. I 'm not sure how I will pay these loans off but I also had no idea I had these loans. If I would have known in the beginning I would have never agreed to private loans. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a bank account with Bank of America here in XXXX, NC. I write checks to pay all my bills. A number of times Bank of America has allowed creditors to submit electronic withdrawals from my account without obtaining a cancelled check/check substitute from the payee ( merchant ). In other words they allowed the merchant to convert my check to an electronic transaction without my permission. I have gone to Bank of America and asked them to stop this practice because it can lead to anybody just submitting electronic withdrawals against my account. I do n't know about the withdrawal by electronic transaction until I see my bank statement which is too late for me to stop it. I researched this problem and found that the Federal Reserve issued a new rule called " Check XXXX ''. Check XXXX allows merchants to either return my original paper cancelled check to my bank or a substitute ( such as a picture of the original check ) and data as to when my check cleared. I had a discussion with the manager at my Bank of America location and he promised to contact the merchant. The problem has not been solved. I even called the companies involved. XXXX company, XXXX XXXX XXXX, told me I have to drive to their office ( 45 minutes away ) if I want a cancelled paper copy of my check. Another company, XXXX XXXX ( an account I have had for many years and was never late in payments ) told me I should buy a money order to pay them!! I cancelled my account with XXXX XXXX. XXXX XXXX XXXX, on the other hand, is a service I need. I think these companies are being overly aggressive just to speed up their cash flow thinking that the customer wo n't take the time to complain. I have a debit card from Bank of America that I use for local purchases ( gas, groceries, etc. ) My debit card with Bank of America requires a PIN whenever I use it. On the other hand Bank of America will allow out of town merchants, whom I have paid by check, to put through electronic withdrawals without question. I strenuously object to this-it is a bad banking practice. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX : XXXX Envoy Mortgage. & XXXX XXXX XXXX XXXX ID : XXXX In the process of buying my first house I was treated very poorly by both of these gentlemen. They were unethical, untruthful, harmful to my credit, and most of all did serious irreparable damage to my life. They did not at any point follow any XXXX rules or send any disclosures. They lied and said I was approved when I was apparently was not. They lied and said they worked together when they did not. They ran an incredibly excessive XXXX hard inquiries all on different days. XXXX handed me off to XXXX without my consent under the pretext that they were " co-workers '' and although XXXX had me approved XXXX had an approval that was less labor intensive. Once working with XXXX I provided him with all the required documents that were asked for and he had given my real estate agent an okay to close. 3 days before closing he sent out an email saying he could not follow through on his commitment. This is after both the seller and myself had already arranged moving, movers, and arranged contracts for living arrangements ( me moving out them moving in somewhere ). The biggest problem was the constant lies. I have kept all correspondence from them which was done entirely via email. I was never sent a single disclosure from either one of them. Although I was told I was approved and then later told not approved I never received anything in writing from either of them. Not a single disclosure of any form. The only document I received was a breakdown of the rate and terms of my approval that was much higher than what I quoted verbally in every way shape and form. The rate and fees were not even close to what I was quoted originally. The XXXX hard inquiries and pass off between brokers without my consent left my credit score vastly lower then it was when I started. I think this was done to reduce my score enough so they could justify charging me higher rates & fee 's. I ended up finding a lender on my own who was able to provide me with financing but the rate & fees were higher due to my drop in fico score specifically due to the excessive hard inquiries made by XXXX & XXXX. I have XXXX witnesses ( XXXX realtors, XXXX different mortgage broker, XXXX senior loan originator ) who were all involved in the process who not only can be reached to corroborate everything I have told you but suggested I report this. This did serious damage to me financially in many different ways. After being told your clear to close then 3 days before closing getting an email to even a phone call telling me it 's not possible led to XXXX, XXXX, and a scramble to find living arrangements. I also had to make a {$1000.00} concession on my original offer to sellers just to keep the deal together so the new lender could have time to actually put together the mortgage which was more expensive specifically due to the excessive inquiries made by XXXX XXXX XXXX. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: My sister passed away in 2009 with a loan on a property that is now in my name but the loan is in her name .B of A over the last 5 years has not let me assume the 6.35 % loan there fore unable refi. Property was under water and over the last five years B of A has made it very difficult. I short sold a piece of property trying to refi and that has lowered my credit score. 

Company response: Company chooses not to provide a public response
Consumer complaint: A XXXX XXXX Charge is showing up on my Credit Card. They were not authorized to put any charges on my Credit Card. I did go on their website looking at flights and cancelled the transaction and did not purchase anything. For some reason, they took the information input and charged my account. I called them within 24 hours to ask why they charged me and they would not return the funds even thought they were not authorized to charge the account. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I closed all of my Bank of America accounts, due to a large amount of high cost fees. When it came time to close my Bank XXXX XXXX, I contacted them and informed them that I intended to close the account and requested the pay off amount. On XXXX XXXX, they cleared a payment of {$3700.00}. That amount gave me a credit of {$1.00}. I contacted the bank again, I was told that the account needed to be at {$0.00}. I requested that the credit be sent to me and I was told that my account was now at {$0.00} and therefore I requested for it to be closed. The following month I receive an email notification for a balance of {$35.00} on my account. I contact the bank and I am now told that the account was never at {$0.00} and I never paid the amount in full. After an hour going back and forth, I relented and paid the {$35.00}. I was once again told that I was at {$0.00} and the account was closed. 

Company response: Company chooses not to provide a public response
Consumer complaint: All verifiable info belongs to me ( name, address, phone # ) except for the SSN. I am a recent victim of ID Theft by someone using the SSN provided by the collection agency. The debts original date was 2002 from XXXX XXXX and has since been sold to various collections agencies. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Experian would not delete wrong personal information on my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: We realized that Wells Fargo created an infant account on our home equity line and automatically was charging us the higher interest rate on our home equity line of credit. We did not sign anything agreeing to the higher interest rate and the infant account with the higher rate was not even visible when we logged into our account summary page. The lower interest rate showed on the home page of our account and the higher rate that we had been charged was only visible by going through a series of steps from the account summary page. This was very misleading because when viewing our account statement it read the amount of the parent account 4.25 % when we had been charged a rate that was 7.75 %. At 3..5 points higher than the rate in the parent account, we calculated that this amounted to over {$14000.00} in excessive interest charged. Wells Fargo took several months to review our complaint and determined " no error occured ''. They did not complete and mail the review until XXXX XXXX, 2015 although they had sent us a letter stating that they would complete their research and provide us with results on XXXX XXXX. We have all documentation. We also have XXXX emails to Wells Fargo Home Equity Consultants asking for options for lower interest rates during the duration when we were getting charged the excessive rate. We were told all 3 times that no better rate was available to us. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have asked that all correspondence be by mail. Pioneer Credit calls multiple times a day to myself and numerous family members. 
They are now engaging in deceptive practices of making false representations by somehow displaying my family names on the caller id in place of their phone number. This is harassing and intimidating uncalled for actions on the part of Pioneer Credit. 

Company response: Company chooses not to provide a public response