AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Several years ago I received a notice from Fredrick Hanna and Associates saying I owed {$5300.00} in principal and {$1700.00} in interest for a credit card debt. Initially I called and said it was not my debt. The letter continued to come and then one came with a threat to sue and garnish my wages. I went to a local office in XXXX, Georgia XX/XX/2009 and met with an attorney. He kept trying to get me to sign papers agreeing to a payment plan. I refused and told him it was not my debt. I asked him to please show me where I signed anything related to this credit card and compare it wit my license. He did not answer my question and tried to tell me this could be solved very easily. He refused to listen and attempted to have me pay less to settle this. I told him again that this was not my debt and I was not paying it. As I stood up and left I suggested they find the correct person and stop contacting me, I then and I stood up and left thinking this matter was resolved. XX/XX/2009 the attorneys of XXXX J. Hanna and Associates went to the XXXX County magistrate court and a judgement entered against me. I have the money to pay but I do not feel it is fair to pay for something that is not mine. I truly thought this issue was settled when I went to the law firm and spoke with the attorney about this issue. I went to the courthouse to get a copy of the judgement for my records. What are my rights regarding this issue? I would rather pay a lawyer to assist me to fight them than to pay for a debt that is truly not mine. Any help will be greatly appreciated. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: When depositing a pay check through Wells Fargo mobile app, the deposit has always been available immediately. When using the service today, I get an email after the fact stating that the funds were not going to be available until tomorrow - leaving me with an overdraft on my account, and NO money for groceries today. I tried calling Wells Fargo at their helpline ( XXXX ) to ask if it could be reversed so that I could take the check to the bank and cash it there. They said that that was impossible. It should also be noted that my paycheck is also issued from a Wells Fargo account. When I talked to them - they said that in the terms and conditions ( many pages of fine print ) they state that some times they require overnight processing. I find this ridiculous since it is from Wells Fargo to Wells Fargo. I had been given that warning in the App, I would have walked to the bank and cashed it there and I would have had cash in hand. The check was for {$2500.00} - which is within the limits permitted in the App. I have confirmed with my employer that the funds went out of their account immediately - so this is simply a ploy by Wells Fargo to earn interest on my money. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX I received an e-mail from Wells Fargo stating that if I use my Wells Fargo Credit Card via XXXX by XXXX/XXXX/XXXX, that I would receive a {$20.00} statement credit. Per the e-mail : " Get {$20.00} when you use XXXX to make a purchase using your Wells Fargo Credit Card during the holidays! XXXX Just check out in a merchant app with your new iPhone ( R ) 6, iPad ( R ) Air 2 or iPad mini 3, or look for the Near Field Communication ( NFC ) symbol at checkout registers in stores and use your iPhone ( R ) 6 Touch IDTM to authorize contactless payment easily. Make an XXXX payment before XX/XX/XXXX, and you 'll earn a {$20.00} statement credit. '' As you can see from reviewing my balance and from the attached screenshot, I made a purchase of {$21.00} using my XXXX XXXX on XXXX/XXXX/XXXX, which is before the XXXX/XXXX/XXXX cutoff date. However, I have wasted hours inquiring about the credit that I never received and was told by multiple people at Wells Fargo that they submitted a request and that I should receive the credit shortly. It has been over a year. I would n't have made the aforementioned purchase if I were not going to receive the credit. This is fraud! 

I will be happy to forward the e-mail for review. The Online Customer Service Code was : XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage was sold by Green Tree to Ditech in 2015. We have been paying our property taxes and insurance through escrow throughout the course of the loan. While the amount of our mortgage did n't change, we received a property tax bill from XXXX in XXXX for $ XXXX for property taxes that had n't been paid for 6 months. Ditech said they were n't responsible for paying escrow. We made a personal payment on XXXX to the XXXX for the entire amount due as we did n't want our home to have liens put on it. THE SAME DAY Ditech made a tax payment also. Now they are saying that we have an escrow shortage and have changed the amount of our monthly payment. We are trying to get our overpayment back from XXXX XXXX as Ditech is now going to be paying our taxes. I read on the consumer affairs website that Ditech has had numerous problems with this Green Tree acquisition some problems similar to ours, others were n't getting their homeowners insurance paid, others did n't have automatic payments taken out they had previously set up and now have a late payment on their credit report. The public needs to be protected from businesses like this. They have the power to do a lot of damage. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I have a jount account at Bank of America with my husband where we were victims of fraud, his ATM card was compromised and numerous ATM withdrawals were made in another state and phony checks deposited. This fraud was reported to BOA. They did n't resolve the issues within the joint account and as a result thereof, froze my indiviudal account to " recoup '' the negative balance on the joint account. They put a {$880000.00} debit on my indiviudal account and will not allow me to access my {$3400.00} in my individual account and said the account is closed permanently. They bounced over {$1000.00} in checks when I had the money available. No one will give me a straight answer at Bank of America and basically stole money from me to cover fraud that was committed against me and my husband. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have advised the Cash Store a few times that I have spoken with an attorney but due to the holidays, I will not hear from him until Monday. Cash Store called me XXXX a day even though they were told by me that I work during the day which is XXXX Monday through Friday. I just started this job on XXXX/XXXX/15 and I am still on probation until XXXX, therefore I ca n't just working to answer their calls. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a fraudulent charge of {$2.00} on a Macy 's credit two months AFTER canceling the credit card. I tried calling the customer service for hours on end. Could not get a live person. I tried every number, every extension possible. 

Company response: Company chooses not to provide a public response
Consumer complaint: this account somehow was opened up in my name is fraudulent and opened as a result of my identity being stolen i have gone through alot tryying to get this straightned out i have filed police report and notarized id theft affdiavit concerning this with the ftc 

Company response: Company chooses not to provide a public response
Consumer complaint: I made a payment arrangement with my loan company. There was a tow truck driver sent to repo the vehicle after that was done. I made the arranged payment and gave him the conformation. He said ok pulled his truck away from my vehicle and allowed my husband to proceed to leave with the vehicle. He then stayed in my driveway and when I went out to check he yelled that my payment was no good. When I tried to show him the confirmation he put his hand in my face and said " I am done with you '' he then ran to his truck while yelling " I am having your husband arrested for grand theft auto ''. He proceeded to contact the XXXX County Sheriff 's Department. While he walked got in his truck I contacted the finance company to confirm the payment was received. The Sheriff 's Deputy arrived and advised me that the driver had called to report that my husband endangered him by " driving the vehicle off the forks of his truck '' and claimed that there was a domestic disturbance occurring. All of which was false. After explaining the situation to the officer with the loan company, Credit Acceptance, on the phone. I was advised that they could not force me to surrender my vehicle without a court order and the driver was removed from the area. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In it 's response to complaint XXXX, SPS says they are denying my right of rescission because my loan originated in 1998 ... my ORIGINAL loan did originate in 1998, BUT XXXX ( the original servicer after they got the loan from XXXX, the original lender ) advanced over {$50000.00} to repay themselves what they spent tp pay off XXXX XXXX, my XXXX mtg holder. 
Thus, they did not just modify my original XXXX mtg like they ( SPS ) are trying to claim ... they actually REFINANCED my XXXX mtg because adding the {$50000.00} plus in additional funds is a cashout loan. The {$50000.00} in funds added to the original balance is money lent to me ( whether I wanted to borrow it or not ) ... unless they did not charge me for the XXXX mtg payoff this is a cashout refinance, period. 
Thus, I stand by my demand to rescind the loan. 
If SPS cares to make a reasonable counter offer, I will listen, but only if they acknowledge the true facts. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The website stopped responding and now I can not get my credit reports. The site says I already got them which is not the case. 

Company response: Company chooses not to provide a public response
Consumer complaint: I Filed a Complaint with Consumer Financial Protection Bureal concerning XXXX XXXX XXXX and XXXX has Responded and Resolve my Dispute with them and have terminated further collection efforts and closed their file and have notified the bureaus to Delet their trade line from my Credit file this reply I 've received on XXXX XXXX by E-Mail and again by postal service Transunion is the only bureau that had not removed XXXX XXXX XXXX Trade Line from my Credit File in fact Previously to my Notice from XXXX XXXX they was not on my Transunion Credit File until after I 've Received the Notice to Remove XXXX XXXX XXXX from All Bureaus on This Date XXXX/XXXX/2016. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: A collection account with XXXX XXXX XXXX XXXX, account number XXXX was previously deleted from my credit report now and readded. They are reporting an open date of XX/XX/2014 which is not true and a balance of {$70.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a small limit ( {$500.00} ) credit card at Home Depot to use for minor purchases made infrequently. HD 's system is supposed to reject charges that are over limit. However, it let me charge beyond the limit ( around {$300.00} ), then proceeded to charge interest in an amount larger than the minimum payment. I caught this scheme when my balance did n't change & paid a substantial amount to bring the total below the {$500.00} limit. They also then reported my credit as over limit. That is was over limit was due to their system and/or deliberateness to enable profiting from interest payments. I believe this to be a predatory practice and is probably a large scale one. They use a company not called Home Depot to do billings & collections but surely you can find out. 

Company response: Company chooses not to provide a public response
Consumer complaint: Sears posted a message in our online account that we should activate our new cards. We called to let them know we had not received them. The representative indicated she would mail out new ones, and we received them within a few days. We just discovered they hit our credit report with a hard inquiry on the day that we called and it shows as an " application for new credit '' on our credit report. We have to explain this false statement ( our account with them has been open since 1986 ) in order to co-sign a mortgage note for our son. Sears/CBNA needs to train their staff to be compliant with FRCA. 

Company response: Company chooses not to provide a public response
Consumer complaint: Enhanced Recovery Co LLC violated the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. 


Enhanced Recovery Co LLC had placed this negative items on my credit reports without notifying me. I would like Enhanced Recovery Co LLC to provide a copy of the document for which they had notified me by mail that was addressed to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Pa XXXX before this negative mark was placed on my credit reports. Should this time sensitive document not be available, the trade line should be immediately deleted off the CRA. Enhanced Recovery Co LLC violated the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. 

Lastly, it is disturbing that Enhanced Recovery Co LLC, placed this negative mark on my credit reports without notifying me by mail of my rights while I was disputing with XXXX in referrence to the same XXXX bill for {$1200.00}. 

XXXX collection company can not be collecting for the same debt, which it is in this case. 

I have enclosed copy of the document I received from XXXX dated XXXX/XXXX/2015, and Enhanced Recovery Co, LLC on my partial XXXX report dated XXXX/XXXX/2015 with Enhanced Recovery Co, LLC Date open XX/XX/2015. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I took a loan from cash call in XXXX 2014. When I was contacted I voiced my concern that the lowest amount they funded was {$2500.00}. I only wanted a loan for {$400.00}. I let the gentleman know that I was uninterested. He informed me that I could take the loan and there would be no penalty for prepaying the loan and that he had customers do this all the time. I agreed to the loan but was never clearly aware of the outlandish rate of 139 % interest. The way the person on the phone explained it was once I prepaid the loan {$2000.00}, all my payments would go to the principal. I was financially in need so I agreed and sent the email back agreeing. 

I tried to pay back the loan but was told I could only pay on my due date of payment. I call on the XXXX and they say I need to pay on the XXXX. I call back on the first and was told I could not use a credit card but I could use it online. I tried to pay online and would be charge a wiring fee and could only pay {$800.00} per wire so it would have taken me XXXX wires at {$20.00} a piece. I feel that the information I was told when I initially obtained the loan was false. I was never told about how difficult they make the prepay process and all the rules. Cash Call has made it impossible for me to pay back my loan so they can continue to charge me 139 % interest. I feel they were negligent and are committing fraud. I also feel that these high interest loans should not be allowed in the US. If I complete my loan, will have paid {$10000.00} for a {$2500.00} loan. I want this company investigated. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: As I previously submitted. BBT gave a loan that was classified as commercial loan which was from the start, out of our paying ability. The initial loan was given in excess of the value of the property. BBT has stopped sending statements, and has stopped responding to my request to review their predatory lending policies and to make correction in the loan. Further, the refy loan was provided without asking any questions of the borrower. While they did go on line to review the household income, which was approximately {$1000.00} per month, XXXX, No other documents, no application were required and it was mentioned that the loan would never be paid off in my dads lifetime. Which was true, however, when BBT and were informed in the acquired knowledge above they failed to respond and to date have stopped acknowledging my correspondence. On a monthly basis the loan and interest far exceeded the amount of monies bought into the household on a regular basis. There is no clear explanation of loan and what is covered under the loan. Further, the lender has denied me any reasonable explanation in the loan/process/ restitution and present status of the loan. In addition, I am asking the loan be totally forgiven and restitution be made to POA since it was predatory in nature. 
It appears that BBT preyed on senior citizens and failed to follow the regulatory rules as set forth as a lending institution/mortgage. They are clearly predatory lenders. 
The desired resolution is to have BBT forgive the loan in its entirity and restitution for years of unfair preducial, and predatory practices. The income was approximately {$1000.00} net and the loan including monthly interest is {$370.00} times XXXX each month payment is the same or close to the interest amount monthly. How can that be. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent Bank of America qualified written request in compliance with and under the Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( e ) and Regulation X at 24 C.F.R. XXXX, and The Gramm Leach Bliley Act, A TILA Request in compliance with the Truth in Lending Act and a Dispute of Debt and Debt Validation Letter in compliance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, and FIOA on XXXX XXXX, XXXX. My qualified written request was notarized by XXXX XXXX XXXX, XXXX Republic for the Commonwealth of Massachusetts and was sent certified mail number XXXX XXXX XXXX XXXX XXXX. I received a response from XXXX XXXX, Litigation Specialist II on XXXX XXXX, XXXX stating that only XXXX pages were to be included ; however on XXXX pages were received and I have until XXXX XXXX, XXXX ( only XXXX day ) to respond or they will close the case. This letter had no contact information other than a fax number and the XXXX pages that they received was not included. I tried reaching out to Bank of America to contact XXXX XXXX and no one there seems know who she is. I have faxed the qualified written request to XXXX today and also attached the fax transmittal sheet as proof. Bank of America is acting in bad faith and is refusing to comply with my request. 
I am writing Bank of America to inquire about the accounting and servicing of this mortgage and my need for understanding and clarification of various sale, transfer, funding source, legal and beneficial ownership, charges, credits, debits, transactions, reversals, actions, payments, analyses and records related to the servicing of this account from its origination to the present date. 
To date, the documents and information I have, that Bank of America have sent, and the conversations with their service representatives, have been unproductive and have left unanswered questions. As a consumer, I am extremely concerned about predatory practices, specifically regarding this mortgage company or anyone who has any interest this matter. 

I am concerned about the possibility of potential fraudulent and deceptive practices by unscrupulous mortgage brokers ; sales and transfers of mortgage servicing rights ; deceptive and fraudulent servicing practices to enhance balance sheets ; deceptive, abusive and fraudulent accounting tricks and practices that may have negatively affected my credit rating, mortgage account and/or the debt or payments that I am currently, or may be legally obligated to. 
THEREFORE, I am legally and lawfully able to demand, and do demand, first hand evidence and information from Bank of America, pertaining to the original, uncertified or certified, security, regarding my account, # XXXX. Failure to provide this security will be confirmation that you had not created or owned one. Bank of America is not above the law and by law they have to comply. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a {$55000.00} loan against my current home which has no mortgage. I went to my local BB & T branch to do so but they called a dept. in another state. While at the branch the loan officer on the phone took information and was made aware that I was a long time customer. He told me what information he would need. I gathered all the info, took it back to the branch the next morning where they scanned and emailed him the documents. I asked that he rush the loan through. A week later he called and asked for all the same info again. He had let it sit for 7 days without doing anything. The loan finally made it to the appraisal process. BB & T made the appraiser aware of it on a Tuesday, he came on Friday and submitted the appraisal to them on Sunday night. Another week and a half went by. The loan officer asked for XXXX more pieces of info she said was supposed to be attached to the home. The appraiser had asked for the same info and was given it from a file I kept on the home, he took a picture of it and said I had everthing he needed. By this time, 22 days had passed. On XXXX XXXX, 2016, I sent an email asking BB & T to cancel this loan application as I had obtained a loan at a local credit union. Five more days later, she responded, 'Okay, thanks for letting me know '. When I received the appraisal in the mail, XXXX of the pictures was not even of my house and XXXX of the comments was not describing my house. 
On XXXX XXXX I received a Reason for DENIAL form letter with a check mark by Value or Type of Collateral Not Sufficient. I contacted the original loan officer who told me that wether they deny or I withdraw a loan, they mark it as a denial. For example, since I did not submit the document they requested because I withdrew the application, they mark it as a denial because documents were not submitted. After further questioning he said Federal Guidelines dictated this. The FDIC has confirmed that this is not correct. BB & T should have listed this loan as a withdrawal by the consumer and that is what I want them to do. 

Company response: Company chooses not to provide a public response
Consumer complaint: had requested Transunion to investigate a credit inquiry for XXXX dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response