AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Green Tree Servicing added an escrow account right after they bought the mortgage from XXXX in XXXX XXXX without any right or notice. Mortgage was originated in XXXX XXXX by XXXX with P+I only. Taxes and Insurance were always paid on time by borrowers. The amount was almost XXXX that we always paid. We called several times through out XXXX months periods and sent certified letters. We never received a response. We sent more than XXXX thousand ( {$5000.00} ) extra, but the statements never reflected it. As of today there still misapply funds to our account. At one point we decided stop sending payments due to the mismanagenmet, misrepresentation, contract violation, etc. Green Tree started making nasty calls including at place of work several times. They promised a loan modification that never happened after we paid XXXX months trial by XX/XX/XXXX. Right after they filed for foreclosure. We responded to XXXX XXXX County, Florida court house in time every time. We showed up at the hearing XX/XX/XXXX when the judge ordered having a Conciliation conference call which we had and Green Tree and his lawyer confirmed having all paper work and promised to send a modification which never happened. We provided enough proof to the court house and Green Tree of the mess had created. I hope this will help in the process of so many victims of Green Tree and CFPB along with other government entities to settle a case against Green Tree. Green Tree should NOT have a license to operate. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: experianXXXX XXXX XXXXaccount show collection/charge off ( should be unknown with a XXXX balance ) account was included in chapter XXXX bankruptcy filed XX/XX/2015 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear Representative, This is NOT my debt and I NO knowledge of the DISPUTED acct. 
It 's passed seven years and they proceed to attempt to collect on it. 
In the past they were notified to stop collection on a acct. that is not mine or was opened under Identity Theft! It permanently remains disputed and must be removed off my credit file. 
Thank you, XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: There were fraudulent transactions on my debit card. The new perpetrator also had my PIN ; my card was used at an ATM and to purchase airline tickets. I reported the fraud to Wells. They deactivated my card. They conducted an investigation but denied my claim. I now have a negative balance. The fraudulent transactions total over {$1000.00}. I will have to call Wells Fargo loss prevention denied my claim, presumably because I refused to answer the same questions again and again to WF employees in different departments. I will deplete my account to near XXXX but, of course, the account will remain open until this has been resolved to my satisfaction. Banks and credit unions in this country are corrupt and will play a major part in our eventual economic collapse. I will provide further information and documentation, should you require it. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX, I needed a loan in order to pay my rent. I am XXXX retired XXXX veteran, largely living off of my XXXX pension. Cashnet USA, the Pay Day XXXX loan company I borrowed from, initiated predatory repayment practices immediately. They deliberately schedule automatic debits from my bank account before the end of the month, not even on the last day, with the obvious purpose of forcing customers into collection status. They essentially intercept my XXXX payment now, because my account is charged almost immediately after I receive my XXXX payment. They charge such a high interest rate XXXX 299 % ), in addition to various fees, that my balance only goes up, rather than down, even with regular, large monthly payments. 

My last payment was {$410.00}. They have nearly reached a 100 % profit mark through my repayments. They forced me to borrow more, when I did n't wish to, because they intercepted my XXXX payment one month when I relied on that exclusively. I had no other means of paying for rent and food, and was forced to borrow again. Their system keeps me XXXX and others ) in permanent debt, continually leeching money from bank account. I can not get them to stop, but if they do n't stop adding unfairly large interest, I can never pay off the balance in full, which is the only way to end their abuse of me. 

I would gladly pay the balance, if they would only stop increasing it every month, but I can only do it that if they do stop. It became clear to me that this is exactly the result they intend to create, especially with the fact that they debit the account so early, before most people are paid. I believe I have acted in good faith, and that they have trapped in this system of theirs. Had I realized that they designed this system to be inescapable, I would never have applied. 

I am writing this as a plea for help, for arbitration, to get this predatory company to leave my federally protected XXXX pension alone. My bank is XXXX XXXX XXXX, in Virginia. They are unable to stop Cashnet USA from debiting my account repeatedly, without my signing an affidavit of fraudulent activity, which I am not sure is appropriate, as I entered into the agreement voluntarily ( although misled by Cashnet USA XXXX. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I pay my balance in full every month prior to the due date, but when I do every few months the company puts a hold on the account and will not release the payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America claimed I have done fraud. the account was cleared with them but it 's on my consumer report. 

Company response: Company chooses not to provide a public response
Consumer complaint: on XXXX XXXX 2015 at XXXX I walked in to Bank of America in XXXX XXXX XXXX, XXXX, TN XXXX to deposit cash more than {$10.00} that in business require to fill up CTR Form that I have already did since I 've been customer for many years. Everything went well until up to that form pop out on the cashiers screen, it took her 10 minutes trying to figure out the way out then finally called manager that does n't know how to do that either, then called another senior cashier/ cashiers manager to help out, they chat for a while then she left, but this cashier still seems did n't know and still try and try, 20 minutes has passed.I told her if I can get my DL back, she can make a copy of it if she needs to but do n't hold me there for her to train. because I know they do n't need me there at all, but she refused to give my DL back or make any note, just keep trying.. few more minutes passed I asked one more time and she refused, then I tried to grab my DL but she took it faster and step back, I was Furious! Then I grab her hand try to pull her so I can get my DL but she still refuse to give it to me, That other women : XXXX XXXX, told me to leave the bank and never come back. I told her it was fine as long as I get my cash money back, she said noo.. (??? XXXX?? I almost call police fot that ) finally they return the money, but not before the cashier return only XXXX instead of XXXX my original deposit. And it took her another 10 minutes just to count it back, 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX bank did not comply with the Fair Credit Reporting Act, section 611. I submitted a judgement ( attached ) regarding the disputed amount on XXXX XXXX, 2015, and they failed to respond within the statutory 5 business day period, even when I had provided my email and requested to be notified via email to expedite the process. 

Company response: Company chooses not to provide a public response
Consumer complaint: The Debt Reported from XXXX XXXX is n't the original debt. its not the proper creditor name nor is the dates correct made by enhance recovery and they used a new date to force to collect from me. the debt is paid to date, I want a full removal of this debt because of false reporting of information to attempt to collect a debt. I want it sent to all three bureau for removal ASPAP! they are to provide all Original Documents!!!!!!!!!!! of proof of dates! 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: PURCHASED A TV FROM SEARS UNDER A 0 % PROMOTIONAL HAD PAYMENTS AUTO PAY WHEN THE PROMOTIONAL EXPIRED I WAS NOT NOTIFIED THE PROMOTIONAL WAS ENDING GIVING ME A CHANGE TO PAY THE BALANCE INSTEAD THEY CHARGED {$1700.00} TO MY ACCOUNT FOR BACK INTEREST. I FOUND OUT WITHIN 30 DAYS. I ASKED TO PAY JUST THE BALANCE THAT WAS DUE BUT THEY HAD TOLD ME NO THERE WAS ONLY AND 20 DAY CRACE PERIOD. AND I WAS PASSED THAT. I DID NOT FIND OUT BY STATEMENT FOUND OUT ON LINE LOGGING IN BERFORE PAPER STATEMENT WAS RECIEVED. 

Company response: Company chooses not to provide a public response
Consumer complaint: We are in the process with Bank of America to try to save our house from Foreclosure ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owner ) ... We finally decided to get lawyer after XXXX attempts with Bank of America went no where ( never received Fax 's, after having proof that they did receive all papers on time, we were denied because they claim they did not receive papers. Well now, we are here today at almost the very same issue with Bank of America ... .We were notified by Bank of America XX/XX/XXXX that in order to apply for Modification we would have to have all papers to them Faxed by XXXX XXXX 2015, which we did ahead of time ... ... now we received letter from XXXX XXXX that they will be handling all concerns regarding this loan as of XXXX XXXX 2015 ... How could this be? and how can it be legal while working with Bank of America, they decide before our original deadline to give over to some other company. I am pleading with you to look into this matter, we want to save our house and will do anything that we need to, but we are not being handled fairly, honestly or justly and this is criminal what this Bank of America is getting away with ... as a matter of fact the original loan came from Country wide, which was toxic in the first place ... .would like someone to look into this matter and help resolve this never ending nightmare ... ... Thank You XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I graduated from XXXX XXXX University in XXXX of XXXX. I have been on the search for jobs since I was let go at my former XXXX ( I am a XXXX ) almost a year ago. Back in XXXX I had submitted a complaint with the XXXX about Wells Fargo reneging on the in-school forbearance policy and was able to get them to defer it until I had properly graduated. I told them what my official date of graduation would be ( XXXX XXXX, XXXX ) and according to my account information on XXXX my forbearance period was shown to hold until XXXX of XXXX. 
Much to my surprise I received notification by mail on XXXX/XXXX/XXXX that they are once again reneging on a documented date of forbearance claiming that I had graduated and thus the date was updated. I totally agree that in-school forbearance should only last until I 'm out of school however, I had electronic data telling me that my forbearance would be good until XXXX of XXXX. Given that I do not have a job yet ( but am closing in on a few ) I really needed at least 6 months of forbearance after I graduated to give me time to find and settle into a job, at which point it was my intention to start paying on this private loan. 
But it is my opinion, and no doubt the opinion of countless other consumers, that spontaneously changing due dates on a whim is EXTREMELY bad business practice and should be illegal ( if it is n't already? ). Wells Fargo had the date of my graduation and if they intended on cancelling my forbearance after my graduation date then that date should have been the XXXX on my Wells Fargo account showing me when exactly I should expect to need to start paying. 
Nonetheless, I had called on XXXX/XXXX/XXXX to confirm all of this and inquire about getting a deferment based on unemployment or whatever could postpone me until I find a career and was told that the maximum deferment period would only be two months and that I needed to make a " good faith payment '' in order to be CONSIDERED for said forbearance ( i.e. it was n't a guarantee ). Luckily I 'm aware that if I type in " Wells Fargo XXXX me on forbearance good faith payment '' into XXXX and other consumer-watchful searches I could come up with dozens of people that have had this " Good Faith Payment '' backfire on them. 
The bottom line is that Wells Fargo is not being considerate of their consumers that are recent graduates and are reneging and changing due dates whimsically ; its unprofessional and should be illegal. And the requirement of having to make a " good faith payment '' in order to be considered for forbearance makes no rational sense ( if I had money to make a payment, why would I need forbearance in the XXXX place? ) and is highly suspect. Please do something about this! 

Company response: Company chooses not to provide a public response
Consumer complaint: I held a debt amount with XXXX XXXX XXXX Online ( XXXX XXXX XXXX ) and was originally owed tuition reimbursement for dropped classes. I held a balance with the school and was told I did not have to fulfill the balance until my reimbursement was received. After coordinating my tuition reimbursement I called the school to pay the amount due and they notified me that they forwarded my balance to collections. This is the first issue. 

After receiving that information I called the collections agency involved ( XXXX ) and was told that I could not remove the balance from my account due to it being a student loan and that my amount due was more than my reimbursement amount. I initially paid half of the balance up front and paid the remaining balance on XXXX/XXXX/2015. I have a written paid in full email from XXXX. 

Two months later I was contacted by First-Source Collections agency via phone and was told that I have a balance from XXXX XXXX XXXX ( XXXX XXXX XXXX ). I immediately disputed the claim and asked for contact information to submit my paid in full letter from XXXX. 

After submitting the letter First Source called me back 1 month later and informed me that I still had a balance from XXXX and that it was forwarded from XXXX to XXXX and then XXXX disbursed the amount remaining to the company that now owns the amount First Source. 

I was originally told by XXXX that my only balance that was originally held with XXXX was my only balance on record with the company when I originally made my dispute. My issue is that a random $ 1600.00+ balance was wrongfully generated with XXXX XXXX and that without justification they reported to my credit the loan amount while it was still in dispute. This amount is completely false and I believe that XXXX XXXX XXXX via First Source is fraudulently trying to charge me already paid for sums of money originally held by XXXX and paid for by myself. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Threatened to take legal action and calling my employer 's Human Resources office to include garnishing my wages if either do n't call them back or pay a debt I do n't owe. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We purchased a travel trailer from a private party. They paid off their loan with Bank of the West in XXXX XXXX, OR on XXXX XXXX. Bank of the West wrote a letter to their borrower on XXXX XXXX stating they should have their title in about 10 days. It has been 27 days since that loan was paid and we ( the buyer of the travel trailer ) still do not have the title. Totally unacceptable that we can not use something we have purchased. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of XXXX I started getting phone calls from a collection agency. 
They said I had a delinquent load account with someone in the amount of $ XXXXXXXX.They did n't know with who but it happened sometime in XXXX. I told them I did know what they were talking about. They said if I paid them half right then with a credit that I would n't have to pay the whole amount. I hung up. I thought it was a scam. 
I kept getting phone calls from different phone numbers until XXXX or XXXX of XXXX. I XXXX the phone numbers and saw complaints from other people. 
I just received a letter from first National Collection Bureau , Inc . 
They advised me that my delinquent account with XXXX/ now XXXX XXXX XXXX XXXX XXXX has been assigned to them and that if I paid half it would be taken care of. I have never heard of either of these business. I had a credit check run in XXXX of XXXX and neither of companies showed up. Nothing came up with a delinquency. 
This is why I got in touch with you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: EXPERIANXXXX XXXX XXXXACCOUNT SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015 

Company response: Company chooses not to provide a public response
Consumer complaint: Santander Bank Incorrectly stated late by thirty days on XXXX X when they clearly received on time payments. In XXXX of 2014 they marked the payment late for 30 days when they received it on time for credit reporting on XXXX XXXX 14. Yet the statement shows received on XXXX XXXX 14 and processed XXXX XXXX 14. Something similar happened in the next month. The payment was due on XXXX XXXX 14. However that date was on a Sunday. Santander processed on the Monday XXXX XXXX 14. That payment was probably received on the Friday or Saturday before the due date but processed on that Monday 

Company response: Company chooses not to provide a public response
Consumer complaint: Told clear to close would be signed off next morning, closing Friday XX/XX/XXXX, closing set, then loan denied abruptly. No further communication. We received a pre-approval in XX/XX/XXXX by company system, turned in all documentation to them. As with every mortgage process knew additional documentation would be required. It was a tough journey, ( we were asked for additional items by underwriter such as son 's marriage certificate, copy of wedding invitation, my college transcripts and additional XXXX for reserve funds to be wired to title company, and were treated as though we were criminals and lying about original documentation turned in. They finally said they received all they needed and took many days/weeks to go over everything with a fine tooth comb as expected for circumstances involved. After much stress and financial burden as we were not able to touch our checking account due to funds always being verified for closing, finally told on XX/XX/XXXX by upper management not to worry, loan would get closed by end of week. Scheduled day off from work. On XX/XX/XXXX called and told the loan was being manually approved and signed off on and we would be closing the next day. Confirmed again morning of XX/XX/XXXX would try and get closed that afternoon but would probably be Monday XX/XX/XXXX. At XXXX received call from realtor that they had fired our loan officer, he was told not have further contact with us and manager would take over loan. We were never told any of this by Ruoff Home Mortgage. Obviously, XXXX was at fault or why would they fire the loan officer who was the only person of integrity over there and tell him not to have further contact. After calls to several upper management and President of company, none of which were returned, finally reached Manager of branch who rudely and abruptly informed me loan was dead. No contact since. On website that they told us to follow closely our loan showed clear to close. Checked again XX/XX/XXXX and loan still showed Initial Underwriting Approval. Still no contact from anyone at Ruoff. On Monday following week received call with completely different explanation why loan did n't close due to us having moved into property per seller agreement due to our home being rented. This was an extremely stressful rollercoaster situation for ourselves and children, we lost money from ending our lease early, as well as having to account for everything that went in and out of our checking account, obtaining insurance, etc. We have supporting website documentation as well as an email forwarded to us. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a secured credit card account with Wells Fargo XXXX XXXX XXXX XXXX XXXX. I went to close my account on XXXX/XXXX/2015 because of personalXXXX XXXX. When asked why I was closing my account. I replied I disagree with your XXXX advertisements on TV. I find it offensive to me and my family. I do n't care if you are XXXX but I do not want it shoved in my face every day and expect my to accept it. They refused to close my account and return my money at first. I told them that was a violation of Federal Banking regulation. Then they stated they would close it but would take XXXX days to make sure there was nothing outstanding. I had already check it to make sure their was nothing outstanding. If I can check my bank account at home for daily charges why ca n't the bank do it while I was standing there? If I have to give them money to open an account ; why ca n't I get my money immediately upon closing my account? 

Thank you for your cooperation in this matterXXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: We recently closed a refinance loan with Bank of America. When I received the HUD-1 settlement statement, it did n't match the GFE for the origination charges. As the HUD-1 specifically states that these charges can not change, so I notified BofA. After nearly a week, someone finally responded to me, but nobody has been willing to provide a resolution to this point. 

Company response: Company chooses not to provide a public response
Consumer complaint: Tried to get my credit report from Transunion on line, they asked me questions that have nothing to do with me and pertain to erroneous info they keep putting on my report for another person. As a consequence of TransUnion incompetence and negligence the questions they ask are nothing to do with me and of course the answers are not correct so they refused access to my credit report. They then tell me I have to contact them by phone and provide the tel number which wasted my time and phone minutes only to tell me to contact another number XXXX XXXX XXXX which of course wasted more of my time and most of my phone minutes for the month only to turn out to be the phone number of XXXX XXXX not Transunion. My job has been affected, my security clearance is in jeapordy and I have been denied financing and mortgage because of Transunions wrongfully reporting bad information on my credit that does not pertain to me. Transunion are destroying my life and refuse to provide my a copy of my credit report or access to it 

Company response: Company chooses not to provide a public response
Consumer complaint: I began to receive calls, in XX/XX/XXXX, from CKS, from debt collector XXXX. XXXX who threatened to take legal action. From there on, I kept receiving calls from CKS from an automated dialer, which was done without my express or implied consent. I called to complaint and on XX/XX/XXXX I was finally able to speak to someone in the COMPLIANCE DEPARTMENT. I spoke with XXXX XXXX, who told me that they are in compliance with my calls and completely ignored my questions to her when I asked " Do you have my express authorization to use an automatic dialer to call me on my cellular phone. '' She told me to file a complaint with the CFPB or speak to an attorney. 

Company response: Company chooses not to provide a public response