AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: This is letter that I wrote to the XXXX Regions Mortgage ... 
I THINK YOUR LITTLE SURVEY IS BOGUS, BECAUSE IT ASK ONLY QUESTIONS THAT MAY YIELD FAVORABLE RESPONSES. 
Right off the bat I did not find a response that would adequately answer to my experience with my modification or the service I got from my lender. It was HORRIBLE is the best way I can put it until the last minute when I was about to go into foreclosure they felt obligated to give me options after numerous repeated request for such avenues. Even then, I was pigeon hold into one and was told I did not qualify for anything else. If they had been forth coming earlier in my demise even with this option, my situation would not have become so desperate. Instead they string me along, sending people to my house each time charging me a fee for the visit, claiming they are seeing if anyone lives at the house, despite the fact I was calling them at least XXXX per week, all this on top of the late charges and fees they added. I depleted my savings as a result trying not to be homeless and on top of that, all because I was assigned a person I could never get on the phone ; but was told any associate could help me and when I spoke to any associate, I was told decisions had to be made by my delegated representative. For months this continued until it became a foreclosure situation. 
I will raise my children to find ways to never use banks or get mortgages ; I see your survey as an extension of that fraud of the modification process. I was told that my mortgage would be reduced. After signing the modification which I had no bargaining input towards I was rushed to sign the deal. Before I could get the new modification amount they stipulated, it went back up to the amount I could not pay and their reasoning for this was escrow shortage, which essentially put me back into the predicament I was in, in the first place. If that is n't fraudulent I do not know what is ; this modification, like your survey was just an exercise to scam the US Government into thinking that your are complying with their demands at the expense of poor, vulnerable and powerless people. 
Shame on you, but we reap what we sow do n't we. How long do you think people will put up with your financial tyranny, enjoy it while it last because what you are essential doing is cultivating a culture of distrust, disgust and anger for such institutions as well as training us how to exist and find ways around doing business with you. The Banks and XXXX have very poor customer service, your product does not help anyone but yourselves and is the equivalent of a " XXXX card game '' where the pawn never wins. Your business model seem to be " ride it until the wheels fall off '' and is void of any sustainability measures. Please let his be the last BOGUS survey you annoy me with, I have been bamboozled long enough by you, at this point it is just plain torture. 
-They followed up with free financial counseling with a warning that information gathered would be used to collect any/all debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: Good-afternoon, I am submitting a complaint on Chex-systems because on or about XX/XX/XXXX I requested a Chex-systems report online because of an identity theft issue that I have. I reviewed my report and found a fraudulent account that was established in my name for the sole purpose to apply for a credit card in my name with XXXX XXXX, because if you are not an existing customer they require for you to apply in person. The identity thieves established this account and the account went in to charge off status once they used the credit card and deposits were never made to the account. There were also a list of fraudulent inquiries with several institutions they are as follows XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. The last time that I applied for a checking account was with XXXX XXXX XXXX which they have been my bank since the merger of XXXX. I sent in a fax to Chex-systems with XXXX different police reports that were filed on separate months because of the continued theft against my personal information. I have had a lot of frustrations with this issue as it has been my responsibility in contacting each institution and notifying them of the theft. I am filing this complaint and attaching a copy of what was sent to chex-systems by fax, in hopes of clearing my name from any negative reporting and inquiries that have resulted from the fraud that has been committed against me. My file should be reporting free of any charge offs and no inquiries against my report as i have not applied for a checking account since XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Someone is using my name in Florida to work as well as open an account that he also sent sent to collection for check system 

Company response: Company chooses not to provide a public response
Consumer complaint: COLLECTOR CALLING ALL FAMILY MEMBERS AT WORK, CELL AND HOME IN VIOLATION OF TCPA. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I applied online with XXXX bank and after applying was told I needed to take in or mail a deposit if I wished to continue with opening the account. I never paid a deposit to open account but they are reporting to chexsystems I owe XXXX on a account I never finished opening. I can not contact chexsystems online website has internal errors. I need to get my name and this account removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a Dillards XXXX XXXX card. I used it on XXXX/XXXX/2015 to purchase a XXXX of items at Dillards in XXXX. I happened to sign on to the credit card website today ( XXXX/XXXX/2015 ) and it has the balance due listed as owed by XXXX/XXXX/2015. I received no statement in the mail or by email, no notice that the due date was here. Further, the secure email feature on the website was XXXX, so I was unable to contact Dillards. This is the XXXX time in a year that the card has listed a payment as due without sending me a statement or notification. I know they have my email and address because they are constantly sending me marketing advertisements. 

Is n't this illegal? Are n't they supposed to let you know when the due date is on a payment? Last time, the payment was listed as overdue and again, I only found out because I signed on to see if there was a statement available. 

Company response: Company chooses not to provide a public response
Consumer complaint: To whom it may concern, In XX/XX/XXXX, XXXX for many diagnostic organizationsWere weaning & I was laid off from my position as a XXXX. With a XXXX month old baby in arms, my wife contacted our mortgage Lender ; Wells Fargo to propose refinancing our home mortgage. We were denied. Upon several attempts. Even after informing them that we would potentially fall behind on payments for 3-4 months due to unemployment. Upon missing our XXXX mortgage payment, Wells Fargo 's home Equity collections agent- XXXX XXXX ( XXXX ) XXXX, ( XXXX ) XXXX called us to inquiry. The agent understood our strife and offered an opportunity to negotiate the remaining balance of our XXXX mortgage ( {$120000.00} ). With Wells Fargo 's guidance, we graciously accepted the opportunity and settled our mortgage for {$18000.00}. Our payment was accepted the following day due to their stipulation that payment must be received within 5 business days of their XX/XX/XXXX settlement offering. 
On XX/XX/XXXX we received a letter from Wells Fargo stating that " After the settlement described herein, Wells Fargowill report your account to the nationwide consumer reporting agencies ( " credit bureaus '' ) as account paid in full for less than the full balance. Wells Fargo is not a credit bureau and can not control how the credit bureaus will report that information to other users of credit reports. If you believe the way this information is reported out by XXXX or more of try credit bureaus does not accurately reflect the way it is being reported by Wells Fargo, you should contact such credit bureaus directly ''. 
With regret we sold our home & we have been renting a small home in a different state for 19 months. 
Our credit score has rebounded since the settlement. However ; We attempted to purchase a smaller home in a different state. We were denied. 
We attempted to purchase an SUV to accommodate our growing children. We were denied. 
XXXX of the potential lenders informed us that the government changed the terms during our rental period : '1 yr till forgiveness ' was modified to '2 yrs till forgiveness '. With the statements that Wells Fargo has published Our credit report states that we are undesirable & unfit. Even though we are now able to provide a deposit of over half of the total cost of a home or vehicle in a cash. We were taken advantage of by a large predatory lender : Wells Fargo. If you you are able to offer us clarity, support & / or guidance. We would greatly appreciate it. 
Thank you in advance for your superior support. 

Company response: Company chooses not to provide a public response
Consumer complaint: KEPT CALLING ALL MY NUMBERS HOME, CELL AND HOME ALONG WITH ALL FAMILY MEMBERS IN VIOLATION OF TCPA 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Both myself and my wife have put credit freezes on our accounts at Experian, XXXX and XXXX. XXXX will let us get our free annual credit reports online. Experian and XXXX wo n't. I am assuming the reason is because we have credit freezes on our account. This is unacceptable. It is a pain in the neck to request them via XXXX mail. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received an overdraft fee for an ACH transaction that was an annual fee and was not aware it was billed until I saw the information on my mobile app. I called BOA and asked for a courtesy exception and they advised I 've already had a courtesy exception in XXXX and they would n't be able to give a XXXX exception. I requested to speak to a Supervisor whose name XXXX XXXX and I placed my fianc on the phone as I was frustrated. My fianc questioned if there had ever been XXXX exceptions given and he advised that they had but due to the circumstances on my account we would n't be able to get a XXXX exception due to the fact she had XXXX overdrafts ( which were debits and per their policy if its approved at swipe their is no overdraft charge ) XXXX of those were not charged a fee and XXXX had, with the XXXX being credited in XXXX and the most recent being our requested now and how deeply her account is overdrawn. He stated that XXXX exceptions are given and upon further research I know that more than XXXX are given to different account holders. My impression was that because we were n't " High Value '' we were denied a XXXX annual exception. I just feel that it 's discriminatory that others are able to receive XXXX, and XXXX exceptions and we 're not. While the reasons behind the multiple exceptions are privy to each account holder receiving the waiver the fact that it 's given we should qualify if we 're talking about fair banking. 

Company response: Company chooses not to provide a public response
Consumer complaint: my morgage broker told me she knew the rules ... ... ... .she waited until two wks to closure to order the XXXX appraisal which she told me later would me min of XXXX wks ... ... this caused me to extend me lock rate and cose me an a dittional XXXX on ever extention ... ... .she neglectected to pay attention to the fact that the curren owner owned the property less than a year and increased the value more than double of which they purchased ... ... .she owns the company she handles ... ..she should have known it would take XXXX appraisls to close ... ... .she continued to try to extend the mortgage every day ... ... I should not be responsibile for extensions she caused either due to her lack of knowlege or due to her act of of god as she purposed to me ... ... ... .I paid XXXX % at closing due to her negligence ... ... ..is this what he government is standing by? 

XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Enhanced Recovery Company-XXXX, FLThey put a collection on my credit report, never notified me and gave the opportunity to dispute and ask for validation. This lowered my credit score XXXX points. I found this out when I applied for an auto loan. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Received a phone call from a XXXX XXXX demanding me to pay a US Bank account over drafted back XX/XX/2003. She threatened to have a sheriff come to my work and serve me papers, now they have called my head boss at admin and told her that they want to serve me papers. I have spoke with our local sheriff who advice me to get in contact with you about what is happening. The contact number they have told me to call are the following : XXXX. Their address is XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX. 

I want them to stop calling me ... this is very scary! 

Company response: Company chooses not to provide a public response
Consumer complaint: This is in reference to a balance due on a eviction from XXXX XXXX XXXX on XXXX AZ. 

XX/XX/2015 I spoke with a XXXX XXXX a Debt collector at National Credit Systems Inc. I advised her that XXXX XXXX signed my XXXX lease 12 month lease and was not on any subsequent leases. I was the only person that signed the lease that was terminated in XXXX 2015. I advised her that any contact or threats of reporting to her credit report would be unlawful and I would seek legal remedy. 

XX/XX/2015 XXXX XXXX contacted XXXX XXXX via telephone and advised her that collections has proceeded against her and pending bad mark on credit report. This is a debt that is MINE ALONE which the property management is aware. XXXX XXXX completely disregarded our phone conversation on XX/XX/2015. XXXX XXXX advised her that was not on my lease ( 2015 ) and not to contact her again regarding her son 's personal business. She terminated the call. 

XXXX XXXX and National Credit Systems Inc has violated the FDCPA restrictions on 3rd party disclosure. I feel that these tatics are unlawful and violations of Unfair, Deceptive or Abusive Acts and Practices and this has prompted me to file another complaint. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I hold a mortgage with XXXX mortgage which I have been trying to get a modification XXXX then turned my mortgage to Sps servicing and resubmitted on several occasions modification papers but to no avail been denied ofor did not qualify .I feel like I am being desciminated against by XXXX I lost value in my home over XXXX probably to predatory lending after a XXXX and XXXX mortgae was taken out .My Intrest rate is 7 % I continually am turned down I fell behind because of a divorce and business sell caused by the divorce.Under the making home affordable nothing is being done to make my house affordable these banks have been bailed out but refuse to help minorities several friends have gotten modifications with principal reductions. mortgage forgivenesses but XXXX seems to not want to help me. Every month I am threatened with harassing calls by XXXX XXXX at SpS servicing about foreclosure.. I have asked for an account of where my payments are going to go if I start repaying what they want but get no clear answer..I want to keep my house and want a fair chance to do this which I am not given. I work I have a job I am not rich so I cant pay XXXX in back payment I would like a modification like so many others and these banks where helped by the government so they should be able to help us small guys 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The company has charged us a " Customer Report Fee '' of {$50.00} which we did not request or authorize. This fee is a scam and we refused to pay it. As a result of our refusal to pay this improper fee we were levied another fee of {$75.00} which was labeled as a " Late Fee on Previous Invoice. '' A total of {$250.00} in improper Customer Report Fees and Late Fees on Previous Invoices have been charged. 

Company response: Company chooses not to provide a public response
Consumer complaint: AARGON ORDERED EXPERIAN TO COMMIT CREDIT COLLECTION AND REPORTING FRAUD AND REFUSES TO REMOVE SAID ACCOUNT AFTER PROVING THAT THE ORIGINAL CREDITOR IS ACCEPTING PAYMENTS IN VIOLATION OF FDCPA, FCRA 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have XXXX tax liens on my credit report that do not belong their. I owned a business with employees from XXXX called XXXX in XXXX WI. Upon the end of XX/XX/XXXX I was bought out by the new and current owner XXXX XXXX. XXXX assumed the same name and the business is still called XXXX to this day and is located at the same address. I sent everything in to close any ownership I had with this business. These XXXX liens were put against me in XX/XX/XXXX for back payment of estimated taxes. I was never made aware of this because:1. I never should have gotten them as I was not part of that business anymore2. The notices went to the business address which I was not apart of anymoreOnce I saw these on my record I took immediate action to show proof that the liens were incorrect against me. This was cleared up because it never should have existed. If it should not have existed it should also not exist on my credit report. I am seeing this on my Transunion report under docket number XXXX and XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a store credit with XXXX with a balance due of {$560.00}. The balance went unpaid and XXXX sold the account to a collection agency. In the process, I paid XXXX the full account balance. XXXX is reporting on my credit that the balance of {$560.00} was written off even though they received the full payment. The collection agency is reporting a balance of {$560.00}. After several disputes with the credit bureaus and with XXXX, the information is still incorrect on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I use to have a XXXX XXXX that was opened in XXXX/XXXX/XXXX and paid in full by XXXX/XXXX/XXXX. Credit card was Paid off in full before I closed that account, yet TransUnion is reporting it as placed on collection XXXX/XXXX/XXXX through a company called XXXX XXXX XXXX and is being reflected on my credit report as being in collections. 
Why is the credit card that a consumer paid in full and closed being reported / forwarded to collection agency. This is Violated Fair Debt Collection Practices Act ( " FDCPA '' ), the unfair collection practices. How can a credit card that a consumer paid in full and closed being reported being forwarded to collection agency and reflected on my credit report as in collection. I reported this to TransUnion XX/XX/XXXX and yet no action has been taken 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo closed my checking account without my consent and without notice. I had a XXXX balance for about XXXX months. I went to make a deposit XXXX months and a few days after XXXX balancing the account, and the atm did not work. My account had been closed. I had direct deposits set to this account. I had student loans paid from this account. I emailed and called WF but they refused to reopen the account. They lied to me and claimed to have mailed a letter to my home warning about the imminent account closure. I did not receive any such letter. However, they happily offered to open a new account for me loaded with fees. I will never do business with those XXXX again. 

Company response: Company chooses not to provide a public response
Consumer complaint: I dont have credit card XXXX XXXX XXXX in my name and Social security 

Company response: Company chooses not to provide a public response
Consumer complaint: I have filed multiple disputes about an aged out student loan delinquency on my report. I have never received any findings from transunion. When I log back in, i see that the date the delinquency is constantly moved back so that it never falls off. I have called and reported this and Transunion tells me that there is nothing they can do about it. No matter how many times I report it, nothing is ever done. All of the other agencies have taken care of it, but they refuse to do anything about it and are rude when approached. 

Company response: Company chooses not to provide a public response
Consumer complaint: On numerous occasions US Bank Home Mortgage has informed me that once my payment has been processed ( future dated by Speedpay ), that it can not be changed, modified or deleted. If this is the case and the payment is future dated, suppose my bank account gets compromised and I do not have the funds available. I should be able to delete that payment according to XXXX. I have escalated this issue to a Supervisor who screamed at me and told me that she would not delete the payment and that it was not the law. 

Company response: Company chooses not to provide a public response
Consumer complaint: I use to have a XXXX Credit card that was opened in XX/XX/XXXX. The Credit card was Paid off in full before I closed that account, yet EXPERIAN is reporting it as placed on collection XX/XX/XXXX through a company called XXXX XXXX XXXX and is being reflected on my credit report as being in collections. 

Why is the credit card that a consumer paid in full and closed being reported being forwarded to collection agency. This is Violated Fair Debt Collection Practices Act ( " FDCPA '' ), the unfair collection practicesThis information should never have been reported to or forwarded to a collection Agency XXXX XXXX XXXX for a credit card that a consumer paid infull before closing. This should not even be listed on my credit report as being in collections. since when was a full paid credit card been forwarded to collections? 

Company response: Company chooses not to provide a public response