AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I initially submitted a CFPB case that received extremely vague responses from Wells Fargo Home Mortgage. After submitting a follow up complaint to obtain answers to the specific issues, Wells Fargo sent a letter to me and to the CFPB that referenced the original complaint, and the bank declined to address any of my concerns, as it dodged the questions via a loophole in the CFPB system. 

According to Wells Fargo, the bank can provide generic and boilerplate responses, while exercising its ability to plead the Fifth Amendment, if subsequent inquires are made. 

The bank is completely aware of its abuse of the process that the CFPB maintains to avoid duplicate responses ; however, my original complaints were never answered. 

I asked Wells Fargo for a chain of title that reflects the title history and the validity of the title status for my home. The bank said no, we will not supply any information that verifies whether our actions has clouded the title to your home. 

My loan was sold from Wells Fargo to XXXX XXXX in XX/XX/XXXX. Several fraudulent mortgage assignments were drafted, signed and entered into local court records, thereafter. But, an assignment of mortgage that Wells Fargo used to obtain a judgement was not devised until XX/XX/XXXX. 

After selling my home loan in XX/XX/XXXX to XXXX XXXX within a securitized transaction, Wells Fargo resurfaced along with XXXX XXXX XXXX XXXX XXXX to fabricate an assignment of mortgage in XX/XX/XXXX ( 5 years after selling the note ) to obtain a judgment and toward the prosecution of a foreclosure, " for a loan that it had already sold. " I want justice for my family. Please hold these bank accountable for the pain and suffering that my family has endured as a result of this ongoing charade. Since this bank does not want to cooperate with me, I am asking the CFPB, the OCC and the FDIC to investigate the merits of my complaint much further, and to enforce greater oversight of these licensed banking entities that continue to dupe consumers, as well as regulators. 

Also, I want to be considered for monetary compensation, class action lawsuits and for predatory abuses that I 've experienced since the inception of my loan origination with Wells Fargo Home Mortgage. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been unfairly treated, ignored and repeatedly brushed off by Cash Call in violation of basic principle of fairness and common sense. This seems to violate Fair Credit Reporting ( FCRA ) and be a perfect example of Unfair, Deceptive And Abusive Practices ( UDAAP ). 
In XX/XX/XXXX I was solicited by and refinanced my house with Cash Call. I did so. 
In XX/XX/XXXX I received a further solicitation from someone at or posing to be at Cash Call to pay my monthly mortgage payment on a by-weekly basis in order to save interest and pay off the loan early. I did so. 
In XX/XX/XXXX I paid 1/2 of my mortgage payment 2 WEEKS EARLY and then paid the balance ON TIME WHEN the full payment was due. In total, I paid the entire balance ON TIME. 
A couple of weeks later I received a late notice on my mortgage payment. It turned out that Cash Call rejected both my early and on time payment since they do not take partial payments. I called them several times to work this out, was ignored, was prohibited from getting an address to send a complaint, was told there was no complaint resolution process, was not allow to escalate my concerns to any level - not even a supervisor, etc. They ultimately refunded both of my bi-weekly payments and reported me as being 30 days late before I could even figure all this out. The mortgage was fully paid off in XX/XX/XXXX and now I can not even find people who have record of any of this. 
Today I called Cash Call again to try one more time to talk to anyone that could help me and was completely stone walled! When I called the number given on the credit report XXXX referred me to her supervisor ( another XXXX? ) who referred me to the mortgage group where XXXX referred me to the Cash Call receptionist, who referred me to a recorded message that got me back to the exact place where I started originally. This has happened to me several times at every lever I have ever reached. I was told THERE WAS NO COMPLAINT RESOLUTION PROCESS. I am a XXXX of at least normal understanding but find it impossible to work my way through the Cash Call system and find a human being at any level that can address my complain. 
I am available to help you resolve this for me and will gladly file a complaint or otherwise assist the government in getting this resolved. Please help me. 
I respectfully request that Cash Call rescind my 30 day delinquent status that shows up for XX/XX/XXXX on my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My husband and I are in the final process of refinancing our home. We started this process on the phone with an agent of Bank of America who quoted not only verbally but also in writing a program with a good rate on a 30-year fixed and a credit on closing costs that would require us only to pay {$700.00} out of pocket for the appraisal. It was a " special promotion '' and thus made their offer more competitive than others we were considering at the time not on the rate but on the closing costs. After essentially months of lost paperwork, unanswered emails, clerical errors, etc., days before we are suppose to " close '' they 've come up with some story of now, because of the " need '' to rerun a credit report, the closing costs have gone up and there will be no credit towards those costs. Out of pocket will now be {$700.00} for the appraisal, which we 've already paid, plus an additional {$5000.00}. That is totally unacceptable given we both still have the same income as we did when we started this process two months ago because we still have the same jobs, we have a XXXX of XXXX %, and are still just as qualified now as we were then. I believe this is just some bait and switch tactic which has forced us into a situation where we will now lose {$700.00} and have to potentially pay a higher rate if we go with another institution given rates have recently risen compared to what they were when we started this process. The delay in closing has been completely driven by the ineptitude and unprofessional behavior of the Bank of America employees involved which is documented by the string of emails we have with them over this time period. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a loan through XXXX student loan, and they transferred my loan to another company XXXX. I have never been late on this loan. I disputed this a year ago with Transunion and they never removed it from my credit report. It has been removed from they other XXXX credit reporting agencies. I would like this removed due to the fair credit act. Thank you for your help on this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: After finding out that I had a judgement against me from back in XX/XX/XXXX, I informed all of the credit reporting agencies that my identity was stolen and as a result, a judgement was issued against me, without my prior knowledge and that the judgement was based on a fraudulent, and forged document. All of the reporting agencies, with the exception of Experian, removed the fraudulent judgement from my reports after going over all of the submitted evidence in the case. The case did go before a judge on XX/XX/XXXX and the plaintiff, XXXX XXXX XXXX filed a motion to have the case stricken from the record. When I tried to submit the documents indicating that the case was to be stricken, I found that I 'm not able to file another dispute, backing up my original claim of fraud, nor am I allowed to upload new documents supporting my claim. I 've also asked that several names, that do n't belong to me, in which I 've uploaded proof of my name, has n't been changed and my ability to dispute it has been repeatedly denied. I have also asked that XXXX time-barred accounts be removed and they have refused to do so with them as well. Both XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are still on my account, even after asking for them to verify the date of the first missed payment, which according to Texas State Code, is the date the statute of limitations start. Not the date of the last payment as they claim. Because I am a Texas native and have never lived anywhere else, the Texas State laws trump federal laws and the laws of the states that they operate under. Both of these companies do not hold a sureity bond in Texas to collect debt and they keep updating time barred accounts in direct violation of FDCPA and the Texas fair debt collection act. I have the police report that I filed almost immediately after finding out about these account on my record. I 've also sent out letter, via certified mail, asking them to follow the law and remove these fraudulent accounts from my credit report. All of these accounts fall under the FCRA as violations and as a consumer, I have the right to have them removed, especially after I 've provided ample proof. I 've also filed another complaint about the judgement with CFPB, again backing up my claim of fraud. I will include a copy of the certified letter that I wrote to XXXX, XXXX pointing out the obvious violations of Texas law. I was denied the ability to buy out my siblings portion of our deceased mother, based on these fraudulent and unlawful accounts. I was told by an attorney friend, specialising in Consumer law, that I have a case for a slander of credit cause of action and I 'm willing to take it to that level. I will be filing individual complaints against XXXX XXXX and XXXX XXXX XXXX XXXX XXXX as well. The judgment is the first thing that needs to go. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was never formally notified about a store credit card account past due and it went 90 days before I found out what had occured. I then called the credit reporting agencies for guidance and they advised me to work it out with the creditor. I called and explained my situation several times and the last time we spoke they said they were looking into it. The next communication I received was a cancellation of my credit card due to non payment, in the middle of my dispute. I then tried to get resolution and find a way to get my account reopened but all they would keep telling me was to try to open a new account. No help at all. I was going to speak to a lawyer but thought I could work it out on my own. It was never resolved and I am still very upset. I later found out this was all caused by a {$6.00} credit card charge that I was unaware of because I was not receiving any statements!! I have boycotted the store ever since. I would like to get the credit card account reopened ( because of the long credit history I had with it ). And also, have the derogatory account status reversed. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: Sir/Ma'am, In XX/XX/XXXX 2013, we were living XXXX due to a military change of station. Due to dropping mortgage rates, we decided to refinance our house XXXX. We used a company called Residential MortgageXXXX. The company representative who helped us is named XXXX XXXX, Loan Originator License XXXX. The Title Company was XXXX and the Escrow Officer was XXXX XXXX. She is no longer with the company. The issue is that we did everything across email and conventional mail. We recently discovered that my wife 's name was removed from the Deed of Trust and that part of the XXXX page packet we signed included a Quit Claim Deed. Until one week ago, neither XXXX of us knew what a Quit Claim Deed was. This part of the packet was not explained to us. My sister-in-law, who is a mortgage broker, just explained it to us. When I called XXXX earlier this week to ask why we were asked to sign a Quit Claim Deed, she could not remember why. Because I am in the military XXXX ( 5 times in the last 9 years ), I am worried that a lender did not disclose to my wife and I that she was being taken off the Deed of Trust in a refinance. Thank you for your help. 
Respectfully, XXXX XXXX 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Mortgage company to shell point mortgage in the last two months they raised our payment which is a XXXX fixed. From XXXX to XXXX. All they do is is call and want my payment and canr tell me what this amazing outrageous new payment of XXXX is for all they tell me is escrow with no explanation. There are other issues it is a mess please help XXXX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We signed the house deed over to XXXX XXXX XXXX in XXXX 2015. The loan account is still showing open and is continuing to be reported as delinquent. We do not own this property any longer. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report or share my credit report with XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the XXXX main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry. 

Company response: Company chooses not to provide a public response
Consumer complaint: The XXXX XXXX company is incorrectly reporting me up to XXXX ( 30/60/90 day delinquencies ) days past due while I am in a debt management program accepted by the company in XXXX, 2015. I was never even 30 days late, and have paid as agreed both prior to and after the debt management plan was put in place. The company refunded late charges, but will not fix credit reporting errors. XXXX XXXX sent the account to a third party to administer the debt management program and they refuse to correct the errors. They referred me to XXXX XXXX ' credit reporting division who stated I needed to talk with Customer Service. I contacted Customer Service who stated they can not speak with me and that I need to call the third party servicing the account. When I call them they refer me back to XXXX XXXX XXXX Customer Service. Nobody will take ownership of this request and keep sending me back and forth to the same XXXX areas and will not help me get their errors fixed. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX 2006, I entered into a contract to buy a condo development which was under construction at The Residences XXXX. I gave a down payment of {$140000.00} which was 50 % of the purchase price. I made XXXX payments XX/XX/XXXX, 2006. All checks were made payable to Stewart Title Escrow. They were cashier 's checks XXXX. About 5 years ago I went to Stewart Title to try and get my down payment back but they would not give it to me. I am hoping that you can help me get me money back from Stewart Title. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report or share my credit report with XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry. 

Company response: Company chooses not to provide a public response
Consumer complaint: TransUnion customer service is useless - could not get a human on the call. 
Based on XXXX XXXX - the following Creditor was paid in full close to 1 year ago. 
TransUnion is still reflecting this on my credit report. My new employer will be doing a background check and I need this fixed ASAP! 
Dispute Account : XXXX {$34000.00} {$35000.00} ( XXXX % utilization ) TransUnion 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX XXXX ; or share my credit report with XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. XXXX is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry. 

Company response: Company chooses not to provide a public response
Consumer complaint: I spoke with Senator XXXX XXXX office and they said that I should file a complain with your department. 

I am writing to you to request your help. My wife and I are attempting to get a loan modification on our mortgage. We completed a trial modification and made all payments on time. When they sent us a final offer, it included the principle balance which was {$360000.00} plus an {$80000.00} balloon payment that covers interest that accrued when I was unemployed. The house is currently worth {$300.00}. I told them that we would accept an offer to pay {$360000.00} with no balloon payment. I believe this is fair as it is XXXX % above market value. They rejected this offer and put us back in foreclosure. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX XXXX ; or share my credit report with XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry. 

Company response: Company chooses not to provide a public response
Consumer complaint: after refiancing my home to purchase the land. i got XXXX to help. they drung me along for months as i was ready to file bankrupcie, they come up with the plan that if i had more money inthe bank, the company would finance me. i did't have any! so they gave me a XXXX check to deposit in my account. then walked out front door of bank and i had to write them a XXXX check back.?? anyway i got the loan. later learned they where run out of town lost there licence. and later the attorney was arrested that handled it all. mean while not to my knowing my loan was sold, and sold, and sold and sold, and witha payment now that when up to over XXXXdollars. i have XXXX a month coming in. tryed every thing i know, hamp, harp, and on and on. now as a XXXX year old that has been on this property for over 20 years there fourcloseing. i am a XXXX vet, my wife has XXXX, and we still have a adopted XXXX year old XXXX son living with us. and now have appox 30 days to get out. as i talked to the people from SELECT-PORT FOLIO. today trying to find a way not to be put out, the young girl i talked to said they would just get the sheriff to put us out. ( WONDREFUL PEOPLE ) there also know as XXXX. please look them up as they only changed there name. look i know there 's nothing you can do, but had to get this off my chest. will print and file with the rest of useless paper work. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In the past couple of years I 've tried to obtain a credit card through my bank, USAA in XXXX XXXX, and have had auto insurance there since serving XXXX in the military during the early XXXX. I 've had XXXX secured loans in recent years with USAA and paid them both off on time, never late. The bank has denied me a credit card XXXX in the past two or three years, the last time only recently. Also it denied another secured loan, even though at the same time my bank in XXXX not only offered an unsecured loan of {$10000.00}, but also granted a credit card now with a {$6000.00} limit. This is all within the past two or three years. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I call ; ed the company and wrote to the company at least XXXX times stating I closed the account. This should be removed from ALL XXXX credit bureaus. The account was closed by ME not the copnay. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent a dispute letter to the bureaus ( Experian, XXXX, and XXXX XXXX ) this past XXXX 2015 requesting that they remove a XXXX debt of {$4000.00} that does not belong to me. They never removed the debt, but stated that it would remain in my credit reports. I investigated this debt and Representative XXXX ID # : XXXX/Branch # : XXXX at XXXX confirmed on XXXX XXXX, 2015 that they have no record of this debt in their system with my name, social security, nor address. Please, investigate and find out why the bureaus are not investigating debts properly and doing the job that they are responsible for ; which is resolving disputes as accurately as they can. Your attention to this matter would be greatly appreciated. 

Company response: Company chooses not to provide a public response