AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Hello, We are not sure what to do.. We think we are being scammed by Wells Fargo-we have been paying them for over 9 years and nothing has gone to the principal on our home on an {$85000.00} loan. We still owe over XXXX. We can get no answers from the and we also told they service the loan only. We were told by a rep that he could not disclose to us who owned the loan. We looked up on XXXX to find out who owned the loan and they told us Wells Fargo took it in 2007, which is what we understood when we refinanced our home to do improvements. We have had nothing but trouble with them-impossible to get answers and communicate. We have asked about getting the interest rate lowered by refinancing when the rates were so low but got the run-around. We have spent so much time on hold and being transferred, ect, ect, we are worn out and hve given up many times due to frustration and keep on paying. We have never been late except XXXX time when WF took out XXXX mortgage payments-we had to fight them and they said the only thing they could do was return both payments and then take out the one we owed. When they did this, they reported our payment as late when it was not. We have never been able to get them to correct this. We are worried they are not applying our loan payments correctly. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Hi, I receive multiple calls a day back to back. I receive calls from XXXX to right before XXXX at night. During my work day I am unable to answer my phone but they constantly call my cell back to back, an hour apart. Is n't there a law protecting the consumer from back to back calls, especially on their cell phone? 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: Central Financial Control has numerously told my mother from beginning that they wanted to be paid in full, my mother has sent monthly payments which they process but constantly tell her that they want full pay of debt or that they will ruin her credit or take her to court. My mother has increased payments explaining to them she cant afford to pay off debt in one installment to which this collection agency continues to threaten my mother with ruining her credit and or take her to court. They will not stop threatening her on phone calls or letters demanding full payment or a monthly amount my mother can not afford as she only works part time. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: INTRODUCTION On XXXX 2014 BORROWER applied and received a new real estate loan in the amount of {$300000.00}, from BANK OF AMERICA ( LENDER ). BORROWER was over charged by the LENDER in the amount of {$1100.00} for discount points for the specific interest rate chosen. The LENDER misrepresented the Good Faith Estimate ( GFE ) on the final XXXX statement. 

GOOD FAITH ESTIMATE ( GFE ) On or about XXXX XXXX, 2014, BORROWER received from the LENDER an Interest Rate Conditions. See Exhibit XXXX attached hereto. The interest rate and the discount points were locked in at an interest rate of 4.625 % and a credit XXXX % or $ XXXX. 

On or about XXXX XXXX, 2014, BORROWER received from the LENDER an Estimated Settlement Charge Summary. See Exhibit XXXX attached hereto. The Estimated Settlement Charge Summary also confirms the credit points in the amount of $ XXXX. 

SETTLEMENT STATEMENT ( XXXX ) BORROWER received a misstated XXXX settlement statement. See Exhibit XXXX attached hereto. 

LENDER IS ACCOUNTABLE FOR THEIR QUOTES LENDER is accountable for their quotes in a real estate transaction. The XXXX is a standardized document that list every expense involved in the real estate transaction and is presented to the borrower during the closing process. BORROWER was quoted in the GFE $ XXXX XXXX XXXX % of {$300000.00} ) discount points. 

LENDER wrongfully stated the amount in the settlement statement on page XXXX, comparison of GFE and XXXX. The XXXX line number # XXXX should be - {$3600.00} and not - {$2500.00}. See Exhibit XXXX attached hereto. 

0 % TOLERANCE If at the closing, any item in the 0 % tolerance category is higher on the corresponding section of the XXXX compared to the original GFE, the LENDER is responsible to cover the difference. 
Charges that can not increase are : Origination charge # XXXX Credit or charge ( points ) for the specific interest rate chosen # XXXX Adjusted origination charges # XXXX Transfer taxes # XXXX It is clear that the LENDER over charged BORROWER by {$1100.00} by misstating the GFE and the XXXX with - {$2500.00} when the GFE clearing shows the amount should be - {$3600.00}. 

CONCLUSION If at closing, any item in 0 % tolerance category is higher on the corresponding section of the XXXX compared to the original GFE, the LENDER is responsible to cover the difference. In this case the difference from - {$3600.00} and - {$2500.00} is {$1100.00}. 

In the event a LENDER misses XXXX of the tolerances in the GFE, the LENDER is responsible to pay the difference. If the tolerances were missed, the settlement can proceed, and the LENDER has 30 days to compensate the BORROWER for the missed tolerance. The LENDER has had over 30 days to compensate the BORROWER in the amount of {$1100.00} and continues to refuse to pay the difference. 

For at least these foregoing reasons, LENDER should pay BORROWER {$1100.00}. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Transunion has listed negative information on my credit report that is not true. I do not owe XXXX XXXX XXXX, XXXX XXXX, XXXX, or XXXX XXXX any money. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have contacted CMRE to get a statment of my account at least 6 times. I have continued to make more than the agreed payment monthly but they have still not sent me a statement of my account showing payments or that they have been paid in full. I have no way of knowing what my current balance is if they do n't give me a statement with the interst calculation or the payments recieved. I have not recieved a statement since XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX XXXX I froze a joint home equity line so no additional withdrawals could be processed. XXXX XXXX XXXX a {$60000.00} advance was processed, I notified bank within 24 hours of the advance that error had occured. I provided the signed document of the freeze, made several calls, sent emails. I was told they were " diligently '' working to resolve problem and would notify me. I requested emails, did not receive, I asked for corporate office to contact me, not done. It is clear BB & T made a {$60000.00} mistake and has not provided appropriate customer service. I want the {$60000.00} removed from the home equity line. BB & T needs to not hold me responsible for their mistake, investigation into how they failed to freeze the account ( again I have provided them with THEIR form that I signed at THEIR bank ) is not my issue, I am not concerned with BB & T 'S personnel or computer errors or why it occured. BB & T made an error, that has not been corrected nor provided me with appropriate customer service since informing them of the error. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: PROGRESSIVE FINANCIAL DEBT COLLECTORS ARE TRYING TO COLLECT {$60.00} FOR RETURNED CABLE EQUIPMENT THAT WAS RETURNED. XXXX AND XXXX HAVE SINCE REMOVED THIS COLLECTION AFTER I DISPUTED THE VALIDITY OF THIS DEBT. XXXX HOWEVER HAS NOT.PROGRESSIVE FINANCIAL HAVE NOT BEEN ABLE TO PRODUCE SAID VALIDATION. I NEED THIS ACCOUNT REMOVED ASAP. THANK YOU 

Company response: Company chooses not to provide a public response
Consumer complaint: Learn from me .... 
How does a car affect purchasing a home? ... Continue reading. 
Having my 3 year old car repossessed due to transmission failure XX/XX/XXXX and being XXXX with my third child in a little over a year from having my second was a surprise, shock and stressful time in my life. Little did I know the car situation was the start to a horrible dream in the making. Forward 7 years later and now being 2 years into making payments on that judgement stemming from the " lemon '' I bought I 'm paying {$100.00} a month a agreement myself and the attorney reached. Not having been late or missing a payment I now need this attorney to sign a subornation agreement so I can purchase a home. My lawyer has reached out to the attorney representing the car for over a month. After back and forth they agreed I would pay down the dept by me sending in {$1500.00} while still continuing to pay my monthly payments in exchange for the signed agreement. I have supporting documents. This lawyer has not been heard from since the check was sent certified funds to them. They wo n't respond to calls and messages. Now I 'm in the current week which they are aware, of my settlement and I have nothing. No signed agreement. My attorney has made them aware we need this letter a few days prior to closing to clear underwriting and yet we have 4 days until settlement and I 'm in limbo not knowing if I will be able to move my XXXX XXXX children from my sisters couches, who is XXXX to the home we fell to love. If I do n't get this letter I lose my deposit and the house. Worse is I still need the letter to purchase. I have done everything required within reason on my end. Now my families future is in the hands of an attorney who could care less if we make settlement. How is this right and constitutional? 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I get paid bi-weekly with a check drawn on Wells Fargo Bank, I do not have a Wells Fargo account. How can they charge me {$7.00} to cash my paycheck, something seems wrong to me. Of course it 's free if I change banks and open an account with them instead of XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Tried to get my credit score by registering on credit karma and it keeps saying my personal information does n't match the bureau of records. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: The report associate me with people in XXXX, XXXX & XXXX PLEASE help me with this, the credit agency gave me your inf. to contact you 

Company response: Company chooses not to provide a public response
Consumer complaint: The current Mortgage Servicer has an illegal foreclosure against our family home. We were APPROVED and in a loan modification trial period with the previous Servicer ( Resurgent ) when the mortgage was service transferred to a new Servicer ( Shellpoint ) who failed to honor the APPROVED Trial Plan and refused to accept payments from us so the account fell so delinquent that it reached a point where the balance due was to much to pay for us at the time. We reached out and made several attempts to request mortgage relief assistance with Shellpoint to no avail. They just want to take our home. They have failed to assign a SPOC or meet the Conditions and Requirements of contacting borrowers before filing Notice of Default under California Foreclosure Law and HBOR. We submitted several packages and documents on many occasions and they always lost the documents and failed to reply. They simply have us the run around and failed to help save our home. Now they have a trustee sale date of XXXX/XXXX/2016. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I am XXXX yr old widow with XXXX XXXX. In XXXX XXXX when my husband died, I no longer had anyone to be a Rep Payee on my SSA account. I became my own person in charge again. I opened account for my SSA monthly direct deposit at Wells Fargo -- just for ATM to pay groceries, credit card with XXXX because I pay off balance at end of month, mobile phone, electric, and internet & misc. I have to file annual expense for SSA of how I spend the benefits. Wells Fargo manager told me I had to have savings and credit card and direct deposit to have free checking. She lied. I only need {$500.00} + direct deposit per month. After they deducted {$30.00} from savings, I closed it. I have never used Visa card. XXXX XXXX, my identity was compromised. This is 2nd time. I alerted FTC and credit bureaus. XX/XX/XXXX I got my XXXX digit code to over ride the lock on my personal assets. It is good for 6 months, not the normal 90 days because of my XXXX and extent of theft. Wells Fargo has stopped sending me paper statements XX/XX/XXXX. I had to add it as an option ever month online tyhey told me but I never got them at PO Box . I get promotions there and services they offer, but no statements. I get ATM cards, but no statements. I had alerts on my phone but they stopped because they said my password expired. I went to branch ( I do n't drive ) and they said since I did n't have ATM, they could n't help me. It was an online issue. I used my ATM on XX/XX/XXXX, for less than {$20.00} ( I have over {$2000.00} in account ), the cashier approved and took my card. I kept receipt. I called Wells Fargo and they said it was reported it stolen. Who the heck reported it stolen? They stopped a payment to my internet provider and I paid it from credit union account. They sent me notice I had payment due on credit card. I have never used I. I called them at local branch and the teller laughed. I told her I did n't think it was funny since I was ID theft victim and they were n't helping by not sending statements. She said she was laughing at a joke. I said well it 's not professional when you are on phone especially when I am locked out of my account, have my ATM taken from me, and you send me emails that I have no access to my account or alerts. Then 5 minutes later send email saying my statement is ready for online viewing? I called SSA and changed firect deposit to my credit union. They have been very helpful with alerts, changes to online accounts & emails due to hacking from ID theft. I have made XXXX trip in person to redo everything on my account with them. Wells Fargo says they cant do online problems or update account info. Their credit card is NOT listed on my credit report either which I never addressed with them but I ' am intimidated by a FDIC bank that HAS my money stops payments at random, never contacts me and changes passwords & deletes personal info and options LIKE PAPER STATMENTS. Please help.
Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am filling this complaint because Transunion has ignored my request to provide me with their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX ( XXXX ) ( XXXX ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We paid off a mortgage on XXXX XXXX, 2015 and have been following up with a discharge since. We have not received a discharge nor has the discharge been recorded at the Registry of Deeds. Many calls have been made and every time we call, we are told the lien release is being worked on or that we will get a call from a supervisor-no return calls are received. After a loan is paid in full, the bank is obligated to issue a discharge and state law in Massachusetts requires them to do so within 45 days. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I have contacted IQ DATA several times to get this resolved. They are damaging my credit by not reporting an account in bankruptcy. It is showing as a active derogatory account still after almost 2 years. I have contacted enough times and people at IQ DATA this should have been taken care of and was told several times it was, however I just ran a credit report again to check and it is still showing exactly the same, they have not corrected this damaging issue. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: The XXXX cadillac was wrecked XXXX/XXXX/XXXX. Ally was notified on XXXX/XXXX/XXXX that the car was total loss by XXXX insurance. At that time the insurance company requested the necessary documentation for the title. I completed my POA and returned to XXXX before XXXX/XXXX/XXXX. On XXXX, I received a call from Ally 's collections department. I advised the rep of situation and stated the check should be sent to pay off the debt. I called XXXX on XXXX, they stated all the documents had not been received and that Ally is known to send half of the information however the rep stated would request again. I received another call from collections and advised them again that this was to be taken care ... long story short - I have been on the phone with Ally and XXXX for several hours each week to get resolution. Finally on XXXX a check was over night to Ally. I get collection call on XXXX from Ally, I ask why are you calling a check was sent and signed by XXXX XXXX on XXXX at XXXX. Of course no body knows! Then I am finally told it takes 2 to 3 business to post payment. Ally 's customer service is horrible and this should not reflect by credit history negatively. I should not have to spend hours on the phone regarding paper needed to pay off a loan. This type of procedure should be common procedure that loan companies and insurances deal with all the time, but ever one just wants to point the finger at the other. 

Company response: Company chooses not to provide a public response
Consumer complaint: Despite my previous mail correspondence, Mohela has failed to investigate and rectify errors contained on my credit report. Thereby you have violated the Federal Credit Reporting Act, due to which I have lodged complaints with the Federal Trade Commission and the California Attorney General 's office. I am allowing you 30 days to rectify the erroneous information ; your failure to do so will result in my filing suit against your institution. 

INCORRECT TRADELINES : 1. XXXX/Mohela -- Ac # XXXX ... This item is inaccurate because the creditor nor XXXX XXXX XXXX furnished proof that this debt was late. I am requesting that this information be deleted to correct the information and an updated credit report be sent to me. I am enclosing a recent credit report, which indicates that this account continues to reflect on my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2016, TransUnion Credit Reporting Agency lowered my credit score by XXXX points because I paid off XXXX ( XXXX ) creditors as promised and according to the payment schedule established. The payments I made were final payments. TransUnion found fault with this and penalized me by lowering my credit score. Their action will cost me higher fees for credit. I did not receive any satisfaction over the phone. I filed a complaint with the XXXX ( case number above ) and TransUnion responded to the XXXX and sent me a copy of their response. TransUnion did not address my complaint, instead, they informed the XXXX of the hundreds of scoring models they use to reach a conclusion. I then submitted a complaint to Congressman XXXX XXXX ' office and they were not able to help. Consumers are expected to pay their bills on time. This is the American way. I should not have to suffer penalty when I pay my bills as promised. TransUnion must restore the damage they did to my credit score when they lowered it after I paid off XXXX of my bills. When TransUnion opinions that by paying off bills that consumers reduce available credit, they have to consider that car notes and furniture credit have a termination date. Paying them off should earn consumers praise rather than penalty. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am a victim of identity theft. Back in XXXX, my identity was stolen and used to open fraudulent accounts at various department stores ( including Macy 's ). I filed a police report and immediately notified all of the creditors. I have contacted Macy 's customer service on several occasions to have the account closed and notified them this was a fraudulent account that I did not open. They assured me they would resolve the issue and I did not owe the debt. I continue to receive statements and now collection letters for the debt. I sent them a certified letter stating the debt is not mine and to discontinue sending me statements or collection letters. Macy 's has ignored every request and continues to pursue this debt. I am going to also file a complaint with the FTC. It is illegal for them to continue to pursue a debt they know to be fraudulent. All of the other creditors have all closed the other accounts and cleared me of any responsibility. Macy 's is the only XXXX that continues to pursue this debt with someone they are aware is not responsible or under any legal obligation to repay. 

Company response: Company chooses not to provide a public response
Consumer complaint: I. Hunt and Henriques sent me a letter dated XXXX/XXXX/XXXX stating 1 ) they had been retained by XXXX, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XXXX/XXXX/XXXX. In that letter, I asked Hunt and Henriques to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by Hunt and Henriques on XXXX/XXXX/XXXX. 

III. I also pulled down my credit report and saw that this debt had been charged off. 

IV. I was served with a lawsuit on XXXX/XXXX/XXXX by Hunt and Henriques regarding this matter. 


ISSUE : This firm stated they were retained by XXXX. That claim is patently false, since the debt was charged off. If Insert Original Lender was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by Hunt and Henriques in the letter are fraudulent and misleading, and intended to intimidate. Further, Hunt and Henriques has extended this fraud into court. 

Company response: Company disputes the facts presented in the complaint