AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I recently re-applied for mortgage assistance through Wellsfargo Home Mortgage. On XXXX/XXXX/15 my attorney sent my financials and application to be considered for a modification. On XXXX XXXX, my attorney called to confirm receipt of documents that were faxed and they said they needed additional documents which were faxed the same day. My attorney followed up again XXXX XXXX, 2015 for a status on docs that were sent on XXXX XXXX, 2015 and they now asked for additional docs which were never requested however, I complied and sent everything via fax again on XXXX XXXX, 2015. On XXXX XXXX, attorney called for status and again they asked for additional docs and a lot of the same docs that were already submitted which leads me to believe they are not reviewing the paperwork I am sending and are not interested in even helping me. I continue to advise them I have a sale date and to please tell me what is needed at all once so we can avoid any delays but they never give a good response other than request additional documents. Therefore, I complied and sent everything they requested again XXXX XXXX, 2015. Today XXXX XXXX, 2015 my attorney calls for status and they are advised that they are still in need of additional documents which have been sent twice before. I am filing this complaint because I have complied with all their requests and they are not reviewing the docs and are simply telling me to send things everytime I call when I have proof that I have mailed everything they have requested over the phone. At no point have they called me or provided anything in writing to ask for anything unless I call for a status. For this reason, I ask for your assistance as I am doing everything possible to keep my home. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo will delay and/or hold deposits ( " deposit pending '' ) and then bounce checks the same day that should have otherwise cleared had they applied the deposit. Then, they charge - actually they do n't charge, they take - a fee of {$35.00} per check ( which is actually usurious interest ). In my most recent example, XXXX checks totaling {$100.00} were bounced resulting in {$70.00} in fees. This is wrong. Sure, I made a mistake. And when I was emailed by the bank notifying me of my error, I immediately transferred money into my account to cover the deficit. So, they were not harmed in this. They did n't earn this fee. How is it other banks ( XXXX for example ) can have overdraft fees that are one quarter that of Wells Fargo? And why can Well Fargo get away with manipulating the timing of deposits? 

Company response: Company chooses not to provide a public response
Consumer complaint: I deposited a personal check for {$3000.00} into my Flagstar Bank account on Monday. My brother wrote me a personal check to help me with my XXXX bills and help pay XXXX. I have fallen on hard times and he offered to help. I expected a 3 day hold on the check, which would be okayXXXX. However, Flagstar bank not only placed a 3 day hold on the check, but turned around after the three days and placed anther 7 day hold on the check for loss prevention. This is a local check and both my husband and myself have direct deposits of our payroll checks being deposited into this same account. Our payroll checks are more than the {$3000.00} personal check.This 7 day hold caused me to go XXXX for 7 or more days XXXX. This is unreal and uncaring. The whole purpose for my brother giving me this money was to prevent this from happening. They are heartless and cold to do this to any human being. 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife went through the drive-thru at Bank of America on XXXX. She had XXXX checks totaling {$5100.00}. She deposited {$4600.00} and took {$500.00} in cash. She received a deposit slip which showed {$4600.00} deposited. I received a letter on XXXX stating there were only XXXX checks and that {$25.00} would be taken out of our account. How can they do this once we have a deposit slip proving what we deposited. They could claim they did not get any checks or even a teller could take it. In this case they found the check XXXX days later and put it back into our account but if they did n't what would happen. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have tried to get a loan modification through Bank of America. I am XXXX and now live on a very limited income. After months of submiting bank statements, income verification etc. I was denied and on their paperwork my income was inaccurate and falsified by their underwriter. I filed an appeal and their response was to sell my house in a short sale. Our equity is much more than the loan and I believe they just want the higher payment they now receive with the higher interest rate rather than working with us to make our payment affordable. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have never done any business with XXXX XXXX who has obtained a judgement against me. I have called XXXX XXXX several times regarding this matter and have disputed this matter. I have contacted XXXX and they have removed this from my credit report since there was no transaction done by me with XXXX XXXX. XXXX has removed this from my credit report ; however, XXXX Transunion have not. This information is inaccurate. I want this removed from my credit report since I did not do this transaction and no one can provide me with validation. 

Company response: Company chooses not to provide a public response
Consumer complaint: I rented an instrument in XXXX ; which I returned XXXX. The owner refused to give me a receipt for the return but wanted me to sign a adding machine tape with a dollar amount on it. I refused to sign the adding machine tape. 
From XXXX to XXXX, I never received a bill nor any type of notice. XXXX of XXXX, I filed bankruptcy which was discharged XXXX XXXX. 
I received the first call from Fidelity XXXX, on or around XXXX XXXX, whom I have never dealt with left a voicemail which I have recorded stating that they were trying to collect a debt from me. 
XXXX XXXX, XXXX, XXXX, from Fidelity XXXX called me demanding payment and the return of the instrument that I already returned in XXXX. I explained that I already turned the instrument to the store and that the owner is committing fraud, and that I did file Bankruptcy in XXXX XXXX, which was discharged XXXX of XXXX and that she and Fidelity XXXX was in violation of the law attempting to collect a debt discharged in Bankruptcy court. I informed her that I would be filing a complaint. XXXX, of Fidelity XXXX stated that the bankruptcy did not affect her collection attempt. 

Meanwhile, I have had to block the owner from contacting me on social media websites XXXX from requesting to be a professional contact. I am beginning to get worried that he might cause me personal harm. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I have a loan with Navy Federal Credit Union that was already charged-off 5 years ago. Yesterday, I have to borrow money from my brother as I am going through financial rough times, but he deposited the money to my savings account with Navy Federal Credit Union since he has an account with the same bank. The NFCU then transfer the funds to the loan that was charged-off 5 years ago and I am left with XXXX balance. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have XXXX accounts on my credit report that are n't mine 

Company response: Company chooses not to provide a public response
Consumer complaint: Enhanced Recovery Company is attempting to collect a debt on behalf of XXXX that : a ) is not a valid debt of mine because I cancelled service with them when they bought out XXXX XXXX XXXX and paid my final bill to XXXX XXXX XXXX ) is a debt that is XXXX years oldc ) re-aging the debt onto all XXXX major credit reports with an incorrect " place for collection '' date 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I suffered a home fire on XX/XX/XXXX ... .unbeknownst to me XXXX XXXX XXXX allowed my insurance to lapse in XX/XX/XXXX .... Then they transferred servicing my mortgage to GREENTREE . GREENTREE activated a forced-place policy on my home and now it 's XXXX XXXX years later and I am constantly battling with them to transfer money allotted to me from the insurance company to rebuild the home. I have since purchased a manufactured home, disassembled the burnt structure, cleaned the foundation and installed the manufactured home on the foundation. During all this it 's been a constant back and forth, delays, no return phone calls, just a ridiculous amount of stalling to get GREENTREE to reissue the money that the insurance company had sent and was to be relayed back to me within 7-10 days ... ( their words ) .The latest issue is that they have had {$5000.00} to install gutters and buy materials and have me finish the basement. I have XXXX more projects to complete before the house is issued an occupant permit. One, finish the basement as it was previous to the fire, and two, install a rear porch. As of XX/XX/XXXX, XXXX XXXX XXXX XXXX issued a check for {$5000.00}, to which I endorsed and relayed to GREENTREE. They received the chech the beginning of XXXX. I 've repeatedly called my account manager XXXX, and was repeatedly TOLD that she 'll review it in the next several days. I faxed proper documentation, which they require, W-9, Lien Release, for a portion of the job ... ( install gutters.. {$500.00} ) ... And have been waiting to hear either that she issued the check or something else is needed but have not heard anything despite numerous calls expressing frustration. I 'm appealing to you to please help me with this situation as is has become intolerable. I 'm just looking to finish the repairs on my home based on the estimate they gave me. GREENTREE is totAlly uncooperative in this matter and I 'm hoping you can help me resolve this as I became aware of the fines you imposed on them and that they 're being folded into XXXX ... .THANK YOU!!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2015 I mailed a letter requesting Enhanced Recovery forward proof that this debt belongs to me. 

On today XXXX XXXX, 2015 Enhanced Recovery still has not responded to my request. 

According to my rights under the Fair Credit Reporting Act Enhanced recovery had 30 days to respond to my request, however they did not. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: They are continuing to call and harass me even after I speak to a representative and either make arrangements with them or tell them of future arrangements. The reps are obviously not documenting the accounts properly because I continue to get phone calls almost every hour on the hour. From what I understand, once I speak to someone they are not supposed to continue calling. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America told my wife and I that we had to be 90 days late on our mortgage in order to short sale our home. Therefore we, got behind on our mortgage and when the short sale was finally approved and we had an offer on the house it had been a year because Bank of America held it up so they could keep charging late fees and penalties. Now on top of having a short sale on my credit I have a years worth of late payments on my credit. Now I have poor credit and cant get another home loan right now. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a service from XXXX XXXX. They did not correctly bill the insurance company. The insurance company and I have contacted them on several occasions to get them to submit the bill correctly. Alternatively, I can submit the bill, but the bill that XXXX XXXX is sending me is for a service that I did not receive at a price that has not been submitted to the insurance agency. To date they have not billed the insurance agency at the proper address. I was telephonically contacted by American Collections XXXX regarding this debt. When they contacted me I advised them that they needed to contact me in writing and that the debt was not valid. To date they have not contacted me in writing and they have submitted this debt to the credit agency. I contacted Washington XXXX XXXX several. They state that they can not issue a letter stating that the debt was erroneously sent. When I reviewed the debt with the insurance agency it became apparent that they were billing me for services that had not been received. The insurance company has been made aware of this but as the agency is refusing to bill them for the services the matter is not insurance fraud. 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion shows a 30 day late payment on one of our accounts ( XXXX XXXX XXXX ) In XXXX 2013 we paid our monthly payment to XXXX XXXX XXXX and in XXXX XXXX informed us the payment was late, We showed the bank the check where we had paid on time and they corrected and apoligised for the mix up. XXXX XXXX XXXX dose not report to Transunion and say they can not contact them to fix the problem, Transunion said they contacted XXXX XXXX XXXX and they verified the report, however XXXX states they did not contact them at all. I am sending the XXXX statement where XXXX XXXX corrected the problem. This faulty reporting is causing a financial for us due to the score lowering. Please help us to fix this problem. 

Company response: Company chooses not to provide a public response
Consumer complaint: Sallie Mae is the loan servicers for a loan I co-signed for my daughter for college education costs. When loan papers were signed information regarding my bank accounts was not required. Now Sallie Mae is requiring that I give my routing and checking numbers JUST TO LOG ON to their site to review my account information even though I do n't pay online. This is not a reasonable requirement and needs to be changed immediately. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: XXXX XXXX # XXXXAdvance Financial XXXX XXXX XXXX TN XXXXI have been a customer of Advance Financial XXXX for close to a year. I went into the office on XXXX XXXX 2015 to Pay may pay day advance and to rewrite the pay day advance in the amount of {$550.00}. I was told by the customer service representative that the company no longer does pay day advances and that if I needed the money I would have to take out a Flex Loan Plan. I was told that this would be like any other loan that XXXX % would go to interest on the loan and the remainder of my bi-weekly payment of {$67.00} would got toward the principal of the loan and that if I paid more than the {$67.00} it would go toward the principal as well to pay the loan off sooner. I asked if there were any other fees and I was told no. So I electronically signed the contract. I did n't read the fine print because no matter what I had to take this loan out my rent was due and if I did n't pay I would be evicted. If I did n't take this loan out I would have no money to pay my rent or buy gas to get back and forth to work or buy groceries!!! I feel like I was strong armed into taking out this loan because Advance Financial XXXX are predatory lenders who make their money from poor people in dire situations, the elderly and the uneducated. I received my billing statement for XX/XX/2015 to XX/XX/2015 and after paying over the {$67.00} bi-weekly payment for the past 3 months what started out as a {$550.00} loan now has a balance of {$620.00}. I am being charged a Customary Fee of {$50.00} with .7 % interest that I was n't told about and after calling customer service to find out why I was told that this accrues daily on top of the regular interest rate and the APR of 279.5 %!!! This loan is growing not getting paid off, at this rate I will never get this loan paid off!!! This company is not accredited with the XXXX and has had XXXX complaints over the past 3 years most similar to mine. I feel deceived at the least, these companies have to be stopped. I have no problem paying what I borrowed, and according to this billing statement I have paid YTD {$340.00}, {$310.00} to the customary fee and {$29.00} to the interest and NONE to the principal. I will pay the remaining {$200.00} but I will not continue to pay for the customary fee. I will not pay anything until this matter has been resolved. 

I will be sending a copy of this statement to the XXXX Consumer Financial Protection Bureau, Department of Consumer Affairs, Federal Trade Commission, XXXX XXXX XXXX XXXX, U.S. Department of Justice, FDIC and any and all other organizations or departments I need to, to get this matter resolved. 

Thank You, XXXX XXXX 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: My wife and I have had a Merrill Lynch XXXX " wrap '' account for about 25 years. My wife also has her own Checking/Savings account at Bank of America, Merrill 's parent. She deposited a check against her B of A account into the Merrill Lynch account at a B of A ATM. One week later, the funds were still not in the ML account. This has never happened before in the many other instances she has done the same exact type of deposit transaction. I asked her to check her B of A account activity and, sure enough, her balance was lower by the amount of the check ( {$1500.00} XXXX. I called ML 's customer service rep and was told that checks can " take up to 8 days to clear '' and appear in the account balance EVEN IF THE CHECK IS FROM B OF A, THEIR PARENT! I asked, " if the funds are already out of my wife 's B of A account but not yet in mine, where are the funds right now? I was provided no answer to this seemingly simple question. Are they ( BofA/ML ) deriving some benefit from holding my funds temporarily? 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of 2015, I receive a telephone call from Citibank to remind me that my student loan is a few days past due so I went online and made a payment. I recall the representative indicated that I should setup the automatic payment so I went to the website and downloaded the auto debit form and sent it in and thinking I 'm set and would not have to bother to login and pay it every month. In XXXX 2015, I received a letter from Citibank indicating that I 'm now XXXX days past due on my student loan and Citibank have reported the late to the XXXX credit bureaus. I scrambled to go online and immediately paid the balance due and request for a copy of my credit report. It in fact shows that my credit scores dropped almost XXXX points which I had from excellent down to good credit. I called Citibank to inquire why there was no emails, letter, or even a telephone call to indicate that I 'm past due on my student loan. XXXX rep told me oh " oh record indicate that we did not notify you '' and then transfer me to another rep when I asked to file a complaint. The XXXX rep said " yes, you were notify of the late '' and I asked him how was I notified. At first he could n't say and then said " we mailed you a letter. '' I have never received an email, a phone call, nor a letter in the mail which I 've often do as soon as my payment is even one day past the due date. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a adjustable home mortgage with Wells Fargo. I decided to refinance to lock in a more affordable, fixed rate. I went to my local Wells Fargo branch to get the process started. 

After running my credit, I was denied pre-qualification because of erroneous reporting of numerous late mortgage payments and a balance with about a {$300000.00} difference on my actually balance. 

I contacted Wells Fargo about the situation numerous times and got a variety of experiences:1. The representative looked at my current payment history for the last few years and noted that I was never late and confirmed my current actual balance but offered no help to fix my credit. I was told the reporting is automated and there is nothing anyone can do. 

2. The representative could not find my mortgage account after I provided my account number, social security number, property address and phone number. 

I need to refinance before the rates go up and Wells Fargo has done nothing to help me with the erroneous reporting in my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Spoke with third party. Representative lied and said they were unable to process a dispute on the amount claimed to be due. Amount due was wrongfully thrown on my credit report prior to my being notified of the amount " said-to-be due. '' The issue turned out to become hostile with the third party agent and she insulted me and told me they will just have to collect the money by " other means. '' This caused me much anxiety, even with my existing XXXX. I felt as though I was undermined and treated with disrespect regarding the amount due. I was ultimately unable to communicate effectively with the third party billing collector. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In year XXXX/XXXX/XXXX Citi reports to XXXX a high balance of {$0.00} and a credit limit of {$4800.00}. 
but in XXXX/XXXX/XXXX Citi reports to XXXX a High Balance of {$4200.00} and a credit limit of {$4800.00}. Why? 
In XXXX/XXXX/XXXX Citi reports to XXXX a high {$0.00} and a Credit Limit of {$9900.00}. 
In XXXX/XXXX/XXXX Citi and XXXX do not report a High balance, but report a credit limit of {$9900.00}. Why did Citi not report a High Balance? Is n't my High balance the same as my credit limit? Why is Citi changing my original credit limit? 
In XXXX Citi reports to XXXX a high balance of {$8500.00} and a credit limit of {$11000.00}. 
In XXXX, the same as XXXX and in XXXX Citi reports to all three credit bureaus, XXXX the High balance of {$8500.00} and credit limit of {$11000.00}. 
I need your help to ask Citi bank why they changed the original high credit from {$0.00} to {$8500.00}? Ask Citi why they changed the Original credit limit from {$0.00} and {$4800.00} to {$9900.00} and {$11000.00}? 
Because In year XXXX another bank mirrored a {$7500.00} balance onto another card with a {$0.00} balance. This bank admitted it to me in my phone call to them in XXXX. I had filed a complaint with OCC at that time. I believe Citi is a continued of this, since I made balance transfers to Citi Citi bank had a responsibility to not continue a false balance that was mirrored. I believe that XXXX is helping me with this and XXXX that the truth in the explaination by Citi will be given, as the trail of this error could have stopped a long time ago. 

Company response: Company chooses not to provide a public response
Consumer complaint: When speaking to Monterey Financial Services, they would not send documentation of what this debt is for. I sent a letter to Monterey Financial Services on XXXX XX/XX/XXXX and it was returned with no forwarding address. When I spoke to Monterey again, they would not give me an address to correspond with them. They stated I have to pay this money in order to get any information. They did not care that the company I originally contracted with, XXXX XXXX XXXX, went out of business XX/XX/XXXX ; therefore, there was no service provided for the debt they were trying to collect. 

Company response: Company can't verify or dispute the facts in the complaint