AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I hate WELLS FARGO with a passion. My husband and I were approved for our Loan, .... All throughout this ordeal I 'm pregnant with our daughter ... 
***during this time I was under a lot of stress, in the beginning I was XXXX, and by the end, I had developed XXXX, which is XXXX XXXX XXXX, during the last trimester of your pregnancy*** ... 
- Anyways, we were set to close on XXXX XXXX, 2015, we moved into our new mobile home on XXXX XXXX, a few days before closing ... .may XXXX came, we did n't close, the underwriter that had our loan was still requesting information.. 
, got a XXXX closing date of XXXX XXXX, then XXXX XXXX ... we did n't close on neither days. By this time im out on maternity leave and on XXXX XXXX, we welcomed our baby girl XXXX into this world. Months pass, I never heard from anyone regarding the loan/loan process .... 
somehow the UW that was working on our loan mysteriously got fired, a new UW picked up our loan ... He started requesting the same information our previous UW had asked for ... Submitted everything ( paperwork legal docs etc ) once again ... 
Over the next few months I NEVER heard a word from our mortgage lender nor loan processor. 
XXXX XXXX, I received an email that stated ... '' You guys should 've gotten an Denial letter in the mail '' ... I asked, a denial letter for what, ... .she said your landlord said you guys were behind on rent and that KILLED THE LOAN ... * our previous landlord said we had gotten behind 3-4 months rents, which is a total crock of XXXX ... We were just ready to leave that dump. * So I emailed her back and asked, why did n't they contact us, we could 've provided the receipts ... So basically we got denied because of a " SIMPLE LIE ''!!! 
He lied, and WELLS FARGO, SCREWED US!!! 
I 'm out luck, out of money, and now after being in our home for the last past 8 months, WE ARE OUT OF A HOME!!! 
I 'm at a total and utter lost for words.. How in the XXXX did all this happen. Now all of a sudden no ones knows nothing.. 
My question is if we were days away from closing, then why did n't they just pick up, were the old UW left off??? And close on the set date of XXXX XXXX, 2015 ... What happened to the old UW, why was she fired??? 
The loan processors voicemail states, that he no longer is affiliated with that department, where is he now???? 
If we were APPROVED then why get DENIED at the last minute??? 
Why did n't they ask for documentation regarding my rent??? 
They screwed us over, so at least you guys, can give us some answers!!!! 
I mean that 's the least they can do, I mean my credit score was pretty decent, now I ca n't even buy attention. 
XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm a victim of identity theft so there 's a lot of increasing on my report I already contacted the creditors and they said they already send out letters to the creditors to remove the increase that does n't belong to me and for some reason XXXX and XXXX not removing them 

Company response: Company chooses not to provide a public response
Consumer complaint: I have requested my credit report from all XXXX agencies. The first time, I tried to do it online and I experienced computer errors, the 2nd time, I called in and followed the pronts. I only got XXXX of the XXXX and when I asked Transunion again, they said they alreadyeady sent me a report. I do not have a report from Transunion and I advised them of that and they still have not sent me my free annual credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I currently am delinquent on my mortgage payments and am in the process of going through a modification review. I have provided all documents requested of me by my mortgage company and am waiting for their decision. I also have a foreclosure sale scheduled on XXXX/XXXX/16 and need some assistance getting it postponed. Please help me keep my home, thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: A bank ( BoA ) incorrectly listed me as having late fees on their credit card which appeared on my credit report while applying for a loan. I had pulled my credit report prior to applying for the loan and it was not on the report, it was applied sometime within 30 days of applying for the loan. I 've never had a BoA credit card so I knew it was not mine. I attempted to dispute directly with BoA but they were difficult to deal with. After multiple attempts and much frustration I finally found someone who would check the account referenced on the credit report. BoA confirmed the error and stated they would notify the XXXX reporting firms. Within 60 days I received a letter stating BoA considered the issue 'closed '. I am dubious and frankly concerned. My loan was questioned due to the incorrect reporting on behalf of BoA ; BoA offered little to no assistance in correcting the error ; and I can not obtain my 'free ' credit reports to measure whether the 'error ' was in fact removed as I had pulled my reports earlier this year. So how does one verify for free that errors were removed? It would seem that if a letter is received from a bank/firm allegedly stating the " issue is closed '' then a consumer should be allowed to obtain free verification of their credit report at the cost of the bank/firm that made the error. 
Why are banks/firms allowed to report 'errors ' yet there is minimal responsibility on the banks/firms to correct even when presented with evidence? The check and balance is not there. Consumers are left to fend for themselves sometimes unknowingly that a bank/firm is reporting erroneous information. As a side note, BoA offered no apologies. Only a statement of 'an error '. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I 've been stuck in this modification XXXX with my for several years now. Last time I applied for a modification was on XXXX XXXX. I have submitted every document that they have requested yet no results have come out of it. just two weeks ago, my company requested some more information which I provided promptly. My current manager went on vacation and my servicer decided to start a foreclosure process on the property even though I am in a review for modification. California homeowner 's Bill of Rights strictly prohibits dual track process. The law says it that bank can not review for the modification while starting the process and filing a notice of default. My lender has broken the law. 

Wells Fargo Bank also continues to ask develop the same information over and over and over again. I have provided RMA and other requested information at least five in the last three months. however, the done nothing but ignored it and send me letters requesting it again. 

Company response: Company chooses not to provide a public response
Consumer complaint: We are trying to get a satisfaction/release from a mortage institute from the time they were switching names. My court house shows that I still owe the company that the now mortage comany use to be under. It is still the same loan and the company says its one of the same of the 3 different names it was listed under. I tell them the court house needs a statisfactory from the old name showing that they are paid and We only owe to the company under the new name. They keep giving me the run around stating they ca n't do it and are getting no where. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have applied for a modification with my mortgage company and I 've being getting the run around for about 2 years now. Now they are saying I need to restart the process. The modification was requested because of the passing of my wife. 

Company response: Company chooses not to provide a public response
Consumer complaint: The debt was paid in store and in full before we were able to switch names on the account from my name to my spouse 's name. We switched names because of an added discount for which she qualified through her employer. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I recently received a new phone number, which I think has been recycled from someone else. I continuously get automated 'debt collection ' messages from them, one, sometimes two a day. I have blocked the numbers, but, of course, they keep changing it. Whatever debt they are trying to collect, I 'm the wrong person and they need to stop, but as it seems to be a fully automated system, there 's no way I can get them to. The company comes up as " Hunter Warfield '' and the last number they used was ( XXXX ) XXXX. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I opened an overdraft line of credit in 2010 for an annual fee of {$50.00}. The fee is billed each XXXX. This year I decided the ( LOC ) annual cost was n't worth the annual fee. On XXXX XXXX I paid off the balance on the LOC. On XXXX XXXX I went to the bank branch and told them I no longer wanted the LOC. I was told that I had to submit my request in writing. I later called customer service and explained that I no longer wanted the LOC. I then received a LOC statement charging me the {$50.00} annual fee and some residual interest ( {$4.00} ) from when I paid off the LOC. I called the bank 's customer service and was told that I had to pay off the LOC before they could close it. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I filed bankruptcy and it was discharged in XXXX 2015. Stellar Recovery is still showing an account as open collections on my credit report. No balance, no account number, with remarks of Chapter XXXX bankruptcy, bankruptcy discharged. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: At the end of XXXX, I opened a XXXX XXXX checking account with Suntrust -- an account with a {$25000.00} minimum. Two weeks later, after confirming that they received my signature card which validates the account, I attempted to use the mobile checking app to deposit XXXX checks of {$1000.00} each for a total of {$3000.00}. These checks were my own checks from a different bank. Essentially, I wrote XXXX checks to myself from Bank XXXX in order to transfer the money to my SunTrust account. 
Two days after this, when I tried logging into my SunTrust account to make sure that the checks had cleared, I was denied access to my account. I waited a few more days and upon realizing that I was still unable to access my account, I called SunTrust to resolve this problem. I was informed that the account was placed on hold because it may have violated a SunTrust regulation and instructed to wait for a letter in the mail. 
I finally received this letter to which the representative on the phone was referring on XXXX XXXX. The reason for the hold was as follows : " Reason XXXX XXXX : Deposit exceeds client 's average balance. '' This explanation is completely illogical. Naturally, any new account will run into this problem! My average balance was less than {$100.00} -- the initial deposit I made with the bank representative when opening the account. I had tried to deposit {$3000.00}, a normal amount of money to begin using the account and SunTrust responds by putting my account on hold. It does not even make sense for such a modest sum of money to even be flagged considering that the account MINIMUM was {$25000.00}. The amount I deposited was barely a fraction of that. 

When I received this letter, I still held out hope that once the checks cleared then SunTrust would be reassured that everything is normal and they would lift the hold. NOT THE CASE. I received a letter on XXXX XXXX that SunTrust decided to close the account. 
On XXXX XXXX, I received another letter that clarified that SunTrust reserves the right to close any account for any reason and without disclosing the reason. 
To make matters worse, I only received a check for {$90.00}. I checked with Bank XXXX and they confirmed that the {$3000.00} in checks had cleared. I called SunTrust and they said they will not return the {$3000.00} until XXXX. I am outraged that I am being taken advantage of in this manner. Not only are they wrongfully closing my account, they are holding my money for over three months for no reason. 

Please help me to resolve this issue. I am very diligent with my finances and trust that you will be able to help my make this situation right. Thank you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I obtained a non-secured loan from XXXX in XXXX after being forced shaped out of the XXXX XXXX. I was unemployed for 9 months and had to relocate XXXX but was paying $ XXXX/month on the debt. The loan was sent to Atlantic Credit and Financial where I continued to pay $ XXXX/month due to extended unemployment. In XXXX XXXX, while checking my credit report, I noticed that the debt was now a judgement. I had never been notified of potential legal action. I NEVER received any type of notification from Atlantic Credit ( or the law office ) informing me of the judgment. I NEVER received any type of documents from the XXXX XXXX XXXX allowing me the opportunity to respond to the claim. I DO NOT deny the debt. The debt is my debt ; however, I dispute the fact that it was placed as a judgment especially since I was paying as agreed. I am a Veteran of the XXXX XXXX XXXX and have endured many obstacles in the last few years and was just starting to recover until the judgement was placed on my credit report. Again, I am responsible for the debt ; however, I do not agree with the debt being placed as a judgement and I believe that I did not receive my consumer rights to respond prior to the debt being placed in judgement. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I made and a purchase on the XXXX XXXX, later on XXXX XXXX I canceled my order and was told nothing will be shipped and that they would only give a very small partial refund which I refused stating I would just bring it up with my bank. After that, I contacted Wells Fargo and filed a complaint and was flatly refused a chargeback despite the fact that I paid and received nothing in return. So I spend {$1200.00} and get nothing in return and thats ok? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: COLLECTOR CALLED MY CELL PHONE 16 TIMES IN VIOLATION OF TCPA, ALSO FAILED TO VALIDATE DEBT AND WENT ON MY CREDIT REPORTS IN VIOLATION OF FCRA AND FDCPA! ALSO, CALLED AND COLLECTED FOR XXXX XXXX TO WHOM THEY SHARED WITH ME IN VIOLATION OF DODD-FRANK ACT. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Applied for a US Bank Credit Card and declined despite me having a FICO SCORE XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am have problem with my mortgage company ( Green Tree Servicing later became Ditech ) giving options to save parents home, which happens to be my primary residence. To give a short background of the situation, after both my parents passed away I relocated from XXXX to XXXX and when I got behind on the payments I asked for a loan modification and was asked to probate my Mother will and get the Deed in my name. I was turned down for the first loan modification and I was told I did n't get the deed in on time so I was turned down a second time. After this, I got lawyer so they could help me get a loan modification and we were both told the way they could help me was me that if I bring the loan current I could assume the loan, so after that a few weeks I was asked to send in all the paper work again for a third loan modification ( with the deed and the dates of past 2 loan modification that I applied for ) and was still turned down, because I may now own the property, but I am not on the original loan ( even after I turned in all the paperwork after my XXXX passed that I was financially responsible for the loan ). The issue started back in XXXX XXXX, and the three attempts for modification was 2 in XXXX and one XXXX which they told me to apply for. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My son is offering to help me with my credit card bills. He 'd be able to give me about {$3800.00} and I want to apply it to my care credit with Synchrony bank. However I first wanted to know if this could help pay it down to zero. He suggest I ask for help from Synchrony. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I now owe more than my original loan even though I have paid thousands towards it. I am now 60 days past due. They are calling third parties asking them to about my whereabouts and telling third parties about my financial situation. They have also harassed me with a false phone call from a police officer stating that I am to either make a payment or return the car. They call the same third parties multiple times which most are complaining that these calls are harassing. The creditor states that they have every right to make these calls. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Arizona XXXX University has sent this debt that they claim I owe for tuition to this agency. I did not complete semester and I had told them to drop me from the online classes before the XXXX XXXX 2012 withdrawal date, which they did not do and has charged me for the whole semester. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We have been using CITI banks XXXX percent cash back card for several months. Recently, we noticed a Fraudulent charge posted to our account, so we contacted CITI about it. They recommended shutting down the card and issuing us another card - which they did. We now are being told that it will take 2-3 billing cycles for them to post a temporary credit to our account. No other credit Card Company operates like this with unauthorized charges. It seems to us that CITI is postponing a temporary credit to our account in hopes we will still pay the Fraudulent charges. This is just not right. 
We have contacted them numerous times regarding this and have gotten conflicting information. In the meantime, we have deducted the Fraudulent charges from our payment. 

We feel CITI should be investigated for their poor customer service practices. 

We are considering ending our relationship with CITI. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The creditor filed on my report that I cosigned for a loan. I never cosigned for anyone. They provided Transunion a copy of the contract which show I was denied for a loan and never cosigned for anyone. All other credit agencies have removed the creditor ( XXXX ) and they have refuse to remove even when proof has been provided. I have submitted more that five disputes and they return an answer within 5 days stating its correct. I 've also filed a claim in court and added this item to my bankruptcy to have it cleared before the federal courts and informed Trans Union that it is my by chapter XXXX bankruptcy and they still continue to report the balance on my report while in bankruptcy. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a client with Bank of America since XX/XX/XXXX. While I was and am a loyal client I was granted the opportunity to work with them in XX/XX/XXXX. During the employment process they encourage all new employees to change over to an XXXX XXXX account. Given the " perks '' of the account I upgraded. 

I became employed with another financial institution in XXXX and went about my normal life. I logged into my account today in XX/XX/XXXX and noticed I was being charged a {$25.00} account maintenance fee so I immediately contacted BOA and was informed I had been charged this fee since XX/XX/XXXX because my " fee waiver expired. '' I received no notifications and being that I have not been employed there in over 2 years why I am I being charged a fee now without notification. They advised me that they could only waive this months fee but I want all fees from XX/XX/XXXX-XX/XX/XXXX to be refunded. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a credit loan through Wells Fargo Dealer Services. My account has been settled for quite some time know, and I have been trying to have Wells Fargo remove this issue from my credit report, but to no avail. During the time I had an account with Wells Fargo I was late with a payment six times, and XXXX time of becoming a sixty day late charge.I had explained to the individuals from Wells Fargo that I had to make a command deciison in making other more important payments such as paying for my mortgage, pay bills, and to buy groceries for my family. I had explain everything in detail to the individuals at Wells Fargo why my payments were late, ( a XXXX initiative act ) but they have flat out refused to remove the bad credit. I am in the process of cleaning up my credit history and can not afford to have this mark on my record any longer. What can I do to remove this unfortunate piece of bad credit from my credit report? 

Company response: Company chooses not to provide a public response
Consumer complaint: I noticed while reviewing my mortgage statement with Ditech, XXXX XXXX XXXX, a line called 'Unapplied Amount '. I overpay my mortgage every month. Apparently, this company takes any additional money I mail in for my mortgage, and allocates it to a non-interest bearing account, where it sits indefinitely. Why would I mail money to a mortgage company that does not get applied to the mortgage? Their response is, " You did n't indicate what you wanted us to do with the money. '' What I want them to do is pay my mortgage. How is it legal that they can allocate the extra money I send for my mortgage into a non interest bearing account, make the minimum payment on my mortgage, and continue to charge interest on the remaining mortgage balance? 

The sole purpose of this 'scheme ' of not paying my mortgage with the money I send them is to extend the amount of time I spend paying the mortgage, and prevent me from paying it off early. Why would an account like 'unapplied amount ' even exist? Except to criminally hold my money, for no good reason, to prevent my mortgage balance from being paid down. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have checked my credit report about a year ago and noticed that this there was an account by Allied Collection Service that is not mine. I disputed this account with the credit bureaus, also I sent certified mail to the Allied Collection Services to validate this debt. I had received a notice from experian stating the accounts was updated. However, the update not only included the same false information, but also showed the account was not listed in dispute. I disputed this account again with XXXX and again, the accounts were shown verified with the same information. 

Company response: Company believes it acted appropriately as authorized by contract or law