AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Call from Wells Fargo XXXX on XXXX/XXXX/2015 Saturday XXXX about a payment made though my attorney for XXXX/XXXX/2015 XXXX for XXXX which was the wrong amount was provided - {$50.00} off for mortgage that is still in dispute as they have failed to answer a QWR ( twice ) yet have forcefully made me take a loan modification ; and even at that the amount was still incorrect ). It was paramount in the first few minutes of the XXXX minute call that the Wells Fargo Representatives were clearly uninformed. What I find odd is that the VP and Higher level personnel at Wells Fargo have said there is a XXXX day grace period on payments without penalty. Especially they said on this case. That was said in court in XXXX and has been the same ever since. They have been made aware of my attorney and have now been placing calls to me versus him. They say they have no record of representation even after XXXX years. They have now done this XXXX times. They say there is no record of anyone telling them that. Phone calls come from all over, California, Texas, Iowa, South Dakota, North Carolina, etc. XXXX gets a XXXX phone number to call back but then it is rerouted to someone else to regurgitate the story again only to be told they do n't see anything. This IS PHYSICALLY DEBILITATING AND CAUSES MAJOR ISSUES ( XXXX ). This is my only bad account and it stems from Wells Fargo misapplying payments and then hiding money. They have now sent XXXX refunds to me yet they say I am not paying my bill. Good reason is they do not even know how much I am supposed to be paying. Clearly they are not held accountable nor are they help liable to the FDCPA, FCRA nor Dood Frank measures. When will someone take on these " can do no wrong '' giants and do the " simple '' right " accurate and legal '' thing for consumers? 

Company response: Company chooses not to provide a public response
Consumer complaint: Last year in XXXX and into XXXX of this year XXXX, Bank of America Homes Loans had been looking at my loan ( # XXXX ) for a loan modification. During the review process, my Privacy Laws were severely violated, which cause unbelievable damage to myself and my children. An employee of Bank of America at the time, XXXX XXXX, gave my ex-wife, who was not on the loan or had any authorized access to my information, damaging and incorrect information without my consent or knowledge. My loan modification was recently denied and now being foreclosed. Bank of America has a duty to keep my loan information, and any personal information private. The entire loan review modification process of my loan was tainted, and my Privacy Laws severely damaged. I have proof of this with phone records ( texts, e-mails from my ex wife ), as well as testimony from myself, my children, and others. The information was used to slander me as well as torture my children with incorrect information that my ex/wife used to scare them to sleep at night about losing their home, among other threats. The occurrences took place mainly in XXXX, XXXX and XX/XX/XXXX. My life and financial stablility have been crushed by Bank of America 's poor and pitiful attempt to protect my Privacy Laws. I have retained an attorney to represent me, and this is also another financial burden. I would like a response asap as my home is in foreclosure, and my kids and I are going to be kicked out because of Bank of America 's callous and ridiculous actions. Thank you! 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015, I disputed an auto loan with First Investors Financial ( CFPB dispute XXXX ). On XXXX XXXX, I received an alert that this account has been updated with a XXXX day late on my credit reports. Since XXXX 2015, this account was reporting paid as agreed, no lates. 

Company response: Company chooses not to provide a public response
Consumer complaint: My partner has a credit card account with Bank of America. I am a authorized user on the account, which means that I have a card with the same number, and my partner receives the statement for the charges from both her and my credit card. One day we noticed fraudulent charges on the statement, so my partner cancelled the card and requested that new cards be delivered to XXXX us. These cards arrived in the mail and we each began using our new cards. I received a separate statement for my card. My partner called the bank to ask why I was receiving a separate statement. The customer service representative acknowledged the error and apologized, saying that the charges from my card would be transferred over to my partner 's statement, that I did not have to pay the bill, and that I would be issued a new card with the same number as my partner 's card. I did not pay the bill, and I never received the card. My partner called back to Bank of America requesting an explanation, and was told by a different customer service representative that the representative was not able to discuss my card. As it turns out, the card I had been sent as the replacement for my original authorized user card on my partner 's account was actually an updated card for an old Bank of America credit card account that I had not used for years. I had not requested an updated card for this account, and there had been no activity on this card since 2013. When I called Bank of America, the customer service representative told me that I had failed to pay the bill for that card -- which my partner had been told I did not have to pay -- but agreed, based on my explanation, to remove the late fee from the charges. I paid the bill. Later, I discovered that the bank had reported the late payment to the credit agencies, and my credit score decreased dramatically. I called the bank to try to remedy this, but they wrote me a letter stating that " no bank errors have been made concerning XXXX my ] payment record. Therefore, the delinquency on your credit report is valid and will not be removed. '' The initial customer service representative assured my partner that the bank had erred, that they apologized, that they would redirect the charges at issue to my partner 's account, and that I did not have to pay the bill. In light of this, to report a delinquency on my part to the credit agencies is certainly a bank error. It is grossly unfair and highly damaging to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a pre-approved application to XXXX credit card ( XXXX XXXX ). First off, the inquiry is from a pre-approved offer, and should be listed as a soft inquiry, so as not to damage my credit report. Second, XXXX XXXX denied the application and listed my credit score as XXXX which is also incorrect and not in my credit report. How do I proceed. Thanks for your help. 

Company response: Company chooses not to provide a public response
Consumer complaint: On or about XXXX XXXX, 2015, I was made aware that USAA FSB pulled my credit bureau on XXXX XXXX, 2015 for a credit card application that I was/am a non-spousal authorized user. Per FCRA, this is not allowed. I advised USAA of that on XXXX XXXX, 2015 and was advised to fill out an " official USAA consumer complaint form, '' which I did and submitted to them on XXXX XXXX, 2015. On XXXX XXXX ( late per statute ), I received a response that they would not investigate my complaint as it was " frivolous or irrelevant. '' I want the fraudulent inquiry removed from my credit bureau. Thank you ... 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I signed a lease with XXXX XXXX Apartments XXXX XXXX XXXX, XXXX and following that we were harassed by neighbors and maintenance crews due to my XXXX orientation. I was forced to break the lease and leave the apartment complex due to my fear of continued residency at this location. I moved from the complex on XXXX XXXX, XXXX and that was approximatley 2 months prior to the end term of lease. In doing so, I left the complex and submitted a note explaining this detail along with keys to management office. In turn, I was presented with a lawsuit from XXXX XXXX XXXX in XXXX, Florida in the amount of {$2700.00}. Moving forward, I sent correspondence to this attorney, again, detailing my reasoning for quick move. The attorney replied and stating that this was not sufficent evidence to break lease and actually they never INVESTIGATED THE INCIDENT! Again, moving forward, the creditor filed a claim with credit bureau in the amount of {$2700.00}. It showed up on my credit report as a debt to original creditor in the amount of {$2700.00}. Later the original creditor employed FIDELITY XXXX in XXXX, California XXXX XXXX. XXXX XXXX XXXX, California XXXX / Telephone ( XXXX ) XXXX / Fax ( XXXX ) XXXX / XXXX XXXX XXXX - Legal Department EXT XXXX. 

My account was XXXX XXXX APARTMENTS / Account # XXXX XXXX XXXX, XXXX - The collection agency requested {$3500.00} to settle the debt of {$2700.00}. These funds had to be in their office same day XXXX/XXXX/XXXX to fullfill the case. On XXXX/XXXX/XXXX They demanded {$4200.00} to settle the exact same date PLUS interest of XXXX cents per day. The original creditor DID NOT RETAIN A JUDGMENT against me for the {$2700.00}, therefore interest would not be due without them obtaining a judgement. My lease did not provide for any interest accruing on the past due debt. They did not credit me with my security deposit in the amount of {$1200.00} and did not advise me if the unit was rented which would have resulted in additional credit to me. I have applied for A XXXX HOME LOAN. This fraud on behalf of the collection agency has prevented me from being able to purchase my home. Also, this debt was filed as A DISPUTE and CLEARLY shows on my credit report as being a legal disputed and recognized by the FCRA reporting act. In addition, the creditor has NEVER VERIFIED the debt in writing, although requested by me on numerous occasions. 

I need HELP FROM YOUR AGENCY ASAP AND I THANK YOU IN ADVANCE FOR YOUR TIME, REVIEW AND ASSISTANCE ON THIS MATTER. 

Should you have any questions or need additional information, please contact me at the following : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXXXXXX ( T XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My XXXX year old daughter is receiving non-stop calls on her cell phone from " Cooper Hoffman & Klein Associates '' attempting to collect a debt from someone named " XXXX XXXX ''. We block the calls but they keep calling from other phone numbers. I called on XXXX/XXXX/15 and spoke to XXXX - I explained the situation and he hung up on me. They reference Case # XXXX and have called from these numbers : ( XXXX ) XXXX ; ( XXXX ) XXXX and ( XXXX ) XXXX. The voicemails threaten legal action and someone will show up at our house. 

Company response: Company chooses not to provide a public response
Consumer complaint: I work at XXXX where we are not allowed to receive personal calls. I was contacted by a employee of progressive financial services while at work. I explained that I was not allowed to take the call at work and quickly hung up to avoid getting fired. I was called again at work the very next day by the same employee. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received an email supposedly from ACE SETTLEMENT DEPARTMENT, threatening to sue me for over {$4500.00} unless i paid a settlement of {$270.00}. Also threatened to press charges and send me to jail for 3 years and seize all of my bank accounts and assets if I do n't reply and pay. They had my correct SSN # and place of employment. I was told to reply to XXXXXXXXXXXX. 

I have used ACE in the distant past and if I owe a debt, I am willing to pay but I need a letter of proof. This email was threatening, as well as major grammatical and spelling errors, very unprofessional. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: THERE WAS A PROMOTION FROM BARCLAY BANK FOR CREDIT CARD THAT IF CUSTOMER USE IT WITH 90 DAYS OF OPENING OF ACCOUNT, CUSTOMER WOULD GET {$50.00} AS A BONUS. ANY WAY I APPLY FOR THAT CREDIT CARD & USE IT. I OWE BANK {$69.00}, WHICH I PAID BEFORE DUE DATE XXXX RECEIVED MY CREDIT CARD STATEMENT FROM THIS BANK, WHICH SHOWS A CASH BACK REWARDS - {$50.00}. I CALLED THEIR REWARD SECTION WHICH IS OUT SIDE USA.THEIR TEL .NO IS XXXX. I MUST HAVE AT LEAST XXXX TIMES FOR MY REWARD BUT THEY DO NOT HAVE ANY INFORMATION ABOUT THIS ISSUE. ALSO ONE HAS TO HOLD FOR LONG TIME FOR EACH CALL.THIS IS LIKE FRAUD THAT THIS BANK DOES NOT GIVE CASH BACK REWARD TO CUSTOMER. THIS BANK HAS NO RESPECT FOR THEIR CUSTOMER. I WORRY SOME THAT I WOULD GET MY CASH BACK REWARD. I AM VERY UP SET WITH THIS BANK. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed this issue with the other credit reporting agencies as well as TransUnion and only TransUnion has failed to remove this erroneous and derogatory notation from my credit file. TransUnion seems to be all talk when it comes to " reinvestigating '' problems with credit files as they have assured me twice now that this would be reinvestigated and that I would be contacted by mail and neither has happened. Both XXXX and XXXX have done both of these and have resolved the issue by removing this creditor in full from my credit file. I need for TransUnion to followthrough with actions and deeds and not just empty words saying they will do what they seem to be unable or unwilling to do. 

Company response: Company chooses not to provide a public response
Consumer complaint: The original loan from Cash Call was for {$2600.00} approximately two years ago and now has gone to a debt collector for a total of {$11000.00}. When I applied for the loan originally, I went to their website to apply and consider whether to take the loan. Literally right after submitting my personal information and also before being allowed to finish the online process, I received a phone call, while at work, from a very aggressive and pushy salesperson type of representative. This person talked very fast knowing I was at work and persuaded me to accept the loan. There was never any paperwork for me to sign. Everything was explained verbally and very fast and I was directed to a website where I had to agree to terms I was n't clear on via E-signature. I never received and additional information through email or regular mail afterwards. The loan was deposited into my checking account almost immediately and I found out after the first automatic payment was taken that the payments were going to be over {$500.00} per month which I do not recall agreeing to such an outstandingly high ammount. That loan eventually led to the my checking account being closed and the beginning of a financial meltdown in my life. I originally thought of the loan as a way to consolidate debts into XXXX payment that would be less than I was paying but It turned out to be much worse. I lost my car, my banking account, my credit and almost my home. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I mailed a letter asking TransUnion to add a credit account on my credit report. The creditor did not report the account to the Credit Agencies. They told me to write a letter to them giving them the name of the creditor, account information. This way my credit history builds up. Trying to rebuild my credit and the information was missing. I paid off the account in full and would like to get credit for that. The letter was sent certified, I got a letter back stating that the information I was disputing was not on my credit report. The letter states it is not a dispute rather correction since it does not show on my credit report. The creditor told me to contact all of the XXXX credit agencies. TransUnion does not give you the opportunity to add accounts that are missing. 

Company response: Company chooses not to provide a public response
Consumer complaint: 1. on XX/XX/2015 BOA charged me {$35.00} twice on a single {$12.00} order of checks! BOA must have waited until my bank account was low enough to charge XXXX dollars! 
2. On three separate occasions, BOA charged me {$35.00} twice for ONE transaction when paying my mortgage over the phone. being a couple of hundred dollars short of a {$1200.00} mort. payment plus the {$19.00} service fee,, BOA could have charged me for only the greater amount instead of both, totaling {$70.00} dollars for one transaction! 
XXXX. In the last three months, BOA collected over four hundred dollars in service fees! 
XXXX. The D.O.T. has taken their payments three times, without my consent bouncing, costing me XXXX dollars. I owe it so I ca n't say anything. Just another reason why I 'm low on funds. 
XXXX. I believe BOA computers are programed to their best interest, always greater in their best interest and not the consumer. 
I ASK the CFPB assist me in returning funds in the amount of {$140.00} from BOA for they have taken $ {$400.00} dollars knowing I receive around $ {$1000.00} electronicly in my checking account every week!! 

Company response: Company chooses not to provide a public response
Consumer complaint: This is no my account 

Company response: Company chooses not to provide a public response
Consumer complaint: I remember paying off best buy credit card last year then all of a sudden I owed them like a XXXX dollars. I gave them the benefit of the doubt and paid it again. Now the same thing is happening where I supposedly owe them funds and its non sense. I paid them off. The credit rep tells me it bounced several months ago and the best buy rep that details purchases and credit card statements does not see where or why I owe money. 

XXXX reps are baffled as to why the payments are leaving as a check ... I never wrote them a check. 

Something criminal is happening here. 

Company response: Company chooses not to provide a public response
Consumer complaint: Overdraft Charge of {$35.00} was collected from my account in consecutive thee times on XXXX XXXX, 2015. The statement was not showing any overdraft balance on XXXX XXXX, 2015 after all of the checks and atm card payment were posted. It became negative when the XXXX and XXXX overdraft charges of {$35.00} were posted. It may be a computer error. I just would like to request for the refund of {$100.00} ( {$35.00} x XXXX ). Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent this company a letter requesting debt validation in XXXX, this company never responded to my request. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have disputed with Experian before and they have reinserted an account that is not mine. XXXX XXXX XXXX was removed in XX/XX/XXXX and was reinserted back on my report on XX/XX/XXXX this is not lawful to me as a consumer this must be deleted. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was denied the chance to continue an application with the XXXX program, by Doral Bank XXXX XXXX XXXX, which has dissapeared and was bought by XXXX other XXXX banks, because I have a HOME OFFICE in the lower floor of my house. I do not know it a XXXX lender can really deny me this service. I really would like to refinance my mortage, so I can lower my mortage payments, just as XXXX other XXXX citizens have done. Please respond to my question, as I am very unknowledgeable of these complicated finantial issues and no one else has bothered to answer my question, here in XXXX XXXX. 
Thank you very much. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is in regards to my mortgage ( Loan # XXXX ) with Wells Fargo. 

I recently had to pay {$360.00} to Wells Fargo for them to perform an appraisal of my property ( XXXX, CO ) for PMI purposes. A full appraisal was performed on XXXX/XXXX/15 and I received a copy of the final appraisal report on XXXX/XXXX/15. On XXXX/XXXX/15 Wells Fargo called me to confirm I received the appraisal report, then at that time we discussed potentially refinancing my loan given recent rate activity. The mortgage consultant I dealt with ( XXXX ) mentioned that an appraisal would be necessary for the refinance and then confirmed via email that I COULD NOT use the XXXX I just bought through them for {$360.00}. 

This appraisal is less than 30 days old, it was purchased through them, and I just paid {$360.00} for it - yet now they are telling me it is not valid and I need to turn around and re-purchase the exact same thing from them again in order to refinance my loan. This is predatory behavior and Wells Fargo is trying to take advantage of its customers. 

Company response: Company chooses not to provide a public response
Consumer complaint: I spent several months working with Bank of American trying to get a deed-in-lieu approved for a property in a different state that I can no longer afford to keep. I spent considerable time with them on the phone and sending them documentation. It took me too long and too much time sending the documents to them over and over and right when I received the notification that my deed-in-lieu was approved and I had signed legal paperwork to get the closing done, Bank of America sold my loan to another company. This other company, XXXX XXXX XXXX, has sent me many, many pieces of mail requesting payment for the past due amount, then explaining loan modifications to me, and finally notifying me they are considering my loan for a deed-in-lieu and wanting me to send in more paperwork to them. The previous months with Bank of American never happened and the entire process starts over. 

Company response: Company chooses not to provide a public response
Consumer complaint: i requested full debt validation, to include all statements from XXXX banks. XXXX, XXXX, and XXXX. I requested all the statements from these XXXX accounts so i may confirm all the fees and late fees and payments to confirm that the information is being reported on me in 100 % accurate, valid and verifyable. Sending the last statement of the account does not allow me to confirm and verify and validate all neccesary information. I reached out to XXXX, XXXX and XXXX, but privacy laws and statutes of limitations hinder from receiving or verifying any information. Also i am asking for all signature cards of the opening of these accounts to verify all information. If information is not verifyable, valid and accurate, i am asking that they remove these items from my chexsystems consumer report. 

Company response: Company chooses not to provide a public response