AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: USAA Federal Savings Bank fails to mail home equity loan bills in a timely manner, leaving customers with insufficient time to make payment. As printed, the bills provide 25 days before they are past due but the company consistently waits 6 days before postmarking the bills so consumers have just 25 days - 6 days delay - 3 days mailing time = 16 days from receipt of bill to have payment processed by USAA. Then the company shortens the time even farther, because unlike the rest of the USAA organization, USAA Federal Savings Bank refuses to join the online bill pay systems that most customers use today, so any customer who pays via mobile or online banking faces an additional 8 day wait for payments to clear ( instead of the 1 day wait customers expect ), leaving consumers with just 8 days to pay their bill ( or 13 days for consumers who physically mail checks ). I have spoken with multiple representatives of the company about this issue without success and am filing this complaint because those representatives have made it clear they have no internal complaints handling process through which customers can pursue resolution to problems like this without going through external channels like the Consumer Financial Protection Bureau. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I refinanced my V.A. home XX/XX/XXXX under the XXXX. hybrid ARM. The United Security Financial Corporation or XXXX XXXX sent me a notice yesterday. They said under my contract my rates could increase to {$1000.00} according to my closing documents. Interest rates have begun to show a sign of increasing. I feel this is a deceptive practice. The rules with the XXXX. hybrid ARM are clear. My interest rate is locked in for 3 years. The rate can never increase any more than 1 percent per year. The rate can never go up over 5 percent. My initial rate was 1.75 %. My rate is subject to change on XXXX. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Portland Credit Inc, also known as Fidelity Collections took exempt funds from my HSA ( Health Savings Account ) and charged a fee for doing so also. In the state of Oregon, HSA accounts are exempt accounts. I submitted a complaint regarding this and also attached my HSA statement with the complaint however XXXX ( the collector ) still refused to honor it and demanded that I go to court to have a judge determine that my funds shouldnt have been taken. I went to court on the XXXX of XXXX 2015 and it was determined that ALL funds must be returned to my HSA account including the erronious fee charged for taking the funds. I still have not received my funds back and I have given ample time for them to comply. I am still being adversely treated by this company and I need those funds to pay for my childrens medical bills. I am also losing interest on my funds not being in my account. Not only has XXXX incorrectly handled my account by not providing federal disclosures or properly verifying my identity when I called before discussing detailed debt information, she has purposely witheld my funds even after being made aware that the funds are exempt and required me to lose wages by having to go into court to show a judge what I 've already provided in my initial CFPB complaint. She has placed a Lien on my property for a debt that is below the amount of XXXX dollars which is not at all how collection agencys treat people with debts. I not only have already had my personal information shared within that company due to my XXXX, but I have been also charged fees that have nothing to do with the debt itself. This company is being extremely and overly aggressive of my debt due to the fact that I have my XXXX and more than likely providing false claims and information about me to make them attack me more aggressively than any other person they are trying to collect a debt from. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX 2014, they repoed my vehicle - upon them receiving the next day {$1800.00} XXXX ( more than what was owed ) they INCLUDED all the necessary fees affiliated with the REPO charges. Thereafter, a full and final payment of {$460.00} was mailed to Westlake to pay the remaining balance OFF IN FULL. ( check cashed ) A couple of months passed and I called to follow up on the title being mailed to me. I was informed that I had incurred additional charges of {$140.00} for the remaining of the repo bill. I was furious - because I knew they were being very dishonest. In no way would they have released that vehicle to me without all fees being paid in full. 
Not only have they refuse to forward my title to me they have reported Derogatory remarks with all XXXX credit bureaus. 
with all XXXX credit bureaus damaging my credit history. My vehicles is paid in FULL. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had an account with BankofAmerica in XXXX 2014, that was opened during that time i had a check that was deposited in my account for funds on a Friday that i did not know would not go through. When i found out about the check being returned Bank of America had already closed my account down and proceeded to take action, and did not speak to me to after they closed my account and placed a fraud on my name, which have caused me to loose employment as well as be provided with a bank account. I have tried to work with them towards a feasible solution, and have not come up with one that works for both the bank as well as myself. I am seeking assistance because i feel that i have been treated unfairly by this business in past and now. 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit report is saying that I have XXXX accounts and I only have XXXX accounts opened and they say I have XXXX accounts opened. The report also says that I have XXXX derogatory remark and I do not know who it is from or how to fix the issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a XXXX " Charge Off '' on my Experian credit report that 's allegedly due to expire in XXXX XXXX. This is wrong, my charge off was first reported to Experian in XXXX XXXX. Now that this is XXXX XXXX, as required by law, 7 years have now passed and It needs to come off my credit report. Please have this removed from my credit report ASAP. How can Experian credit agency be so far off with their data. I have called XXXX many, many times about this issue and they do n't even have this account number in their database. 

XXXX has my XXXX credit report listed correctly. I have included a copy of my XXXX credit report, dated yesterday, XXXX XXXX, XXXX, as you can see, there is no negative activity listed. 
Thank you, XXXX XXXX XXXX XXXX cell 

Company response: Company chooses not to provide a public response
Consumer complaint: During the big bank bailout, Bank of America took over Countrywide mortgage and my loan..Before a balloon payment was due I called the bank to see if I could make a loan modification. Then the process began which went on for months. At first, a regular payment came due and I made the original payment and it was returned to my account. They refused the payment. I let XXXX XXXX know and we continued with the modification. At this time, Bank of America was turning in bad credit on my account. I told XXXX and she told me that the bank would make it right after we finished with the modification. I got a notice that I had to make XXXX Trial Period Plan payments of {$640.00} and these are the payments for XXXX, XXXX and XXXX 2015 that they are saying I did not make. They did not apply this to my loan until all XXXX payments were paid. They then added XXXX dollars for interest on the loan. I then received a notice that the monthly payment would be {$720.00}. On the same notice they wrote " We appreciate your cooperation and look forward to taking the final steps to providing you with affordable mortgage payments ''. No time during this process did I talk to anybody about this loan. It was dictated to me from beginning to end. During this time we got a notice that we could not talk to XXXX about this loan anymore. We had to talk to whichever loan officer who dealt with me when I called. I talked to XXXX loan officer about the payment being excessive and he said I had to wait for a year to even try lowering it. At this time we were dealing with another bank and they said our credit rating was destroyed because of these payments they said we did not make. I called their credit dispute division and they said XXXX had asked them to remove the bad credit rating. But they said they needed a letter from me asking to have it removed. I sent a letter and still nothing happened. I went to XXXX XXXX, XXXX, attorney, and they sent a threatening letter on our behalf. Still nothing happened. We received a letter saying we needed to sign an authorization form before they could deal with it. At this time, nothing has been accomplished with fixing our credit rating. I am still making regular payments of {$720.00} as dictated by the bank. They lowered the interest rate 1/2 %. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was contacted by Mediation Recovery Center ( XXXX XXXX XXXX, IL XXXX ) for debt that went into collection XXXX/XXXX/1992 from XXXX, when I was a minor. Naturally, I would not have been legally able to establish credit at that time. In addition to being a child in 1992, I still used my maiden last name. This company has illegally tied this debt to me and my social security number which they confirmed ( although I did n't acknowledge to them that it was correct ). This collection claim is completely fraudulent and this company needs to be thoroughly investigated for their illegal practices. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: citi in their respone alleged there were XXXX citi accounts ... 

i did not have XXXX accountsplease provide any proof of fully executed contracts or agreements regarding your remarks 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been in the modification process with CitiMortgage for the last 2 years. I am consistently denied a modification. My last XXXX denials were because of unverifiable income. I work on the books, get a paystub and XXXX and my job deposits my money in my account every month. I get rental income, that is also deposited in my account every month. I submit any and all documents that were requested. I even forced my tenants to sign a lease because the banks said that I HAD to have a leases, though I did not want XXXX. I do not understand why my modification request is being denied. I make {$66000.00} a year plus have {$16000.00} in rental income. I filed bankrupcy and it was discharged in XXXX 2015, so I do not have any other revolving debt other than my student loans. My mortgage balance is {$390000.00}. I need help in determining why they are allowed to do this. I provide everything in a timely manner. 

Company response: Company chooses not to provide a public response
Consumer complaint: My TransUnion ( TU ) credit report has the incorrect information as to my " Account Age '' which factors into my credit rating and is why my TU credit score is significantly less than XXXX. TU is reporting the Length of Credit History as only being 13 years and 0 months, Average Account Age of 5 years and 11 months and the Oldest Account being with the XXXX XX/XX/XXXX. The correct information which is being reported by the other XXXX above mentioned credit agencies should be as follows : Length of credit history - 21 years, 10 monthsAverage Account Age - 7 years and 11 monthsOldest Account - XXXX XXXX open XX/XX/XXXXEssentially TU deleted my oldest account ( XXXX ) which has now changed all of the calculations for my " account age ''. 

Company response: Company chooses not to provide a public response
Consumer complaint: RE : Experian Reporting of XXXX XXXX XXXX XXXX XXXXThis letter is a formal complaint that Experian is reporting inaccurate credit information. 
I am very distressed that Experian have included the this information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either Experian or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a a personal line of credit to start a business, which was highly embarrassing and has negatively impacted my lifestyle. 

The attached letter was sent to Experian USPS Certified mail XXXX XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit was hurt significantly due to an error by Bank Of America which they are not recognizing after several attempts to contact them. My account was opened in XX/XX/XXXX, which i discontinued using in XX/XX/XXXX due to better rates and points with another credit card. I stopped all reoccurring charges from auto pay going into this card ; however XXXX account with XXXX XXXX membership was missed and a charge for {$100.00} annual membership was processed on XX/XX/XXXX. As i stopped monitoring this account i did not notice this charge. Account than was reported delinquent for 90 days and Bank of America did not contact me or try to get in touch with me. I hold saving account with Bank Of America for over 20+ years my average balance is well over $ 50K and yet for just merely {$100.00} my credit was hurt significantly that has effected my qualification for Mortgage rates. I could qualify for 2.75 % on my mortgage but the banker is saying due to my score i need to either purchase points or pay higher rate at 3.6 %. My complain is that Bank Of America should revisit their collection processes ; if i 'm an existing customer for two decades with significant balance why was my credit hurt for only {$100.00} delinquency or why was I not contacted? I have sent several complaints but have not heard any positive response to help me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a call from my ex coworker who I have not worked with her for over 8 years stating that someone from Summit Receivables called and asked for me and said they have document against me about a debt and they are reviewing right now for action. They called from ( XXXX ) XXXX and said to call them back at ( XXXX ) XXXX. This is unacceptable that they called an old coworker that I do n't associate with and disclosed my personal information, which is not true to damage my reputation. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/2015, I contacted Bank of America supervisor at the XXXX XXXX Branch regarding a HOLD placed on my XXXX Business Banking Accounts, Personal Accounts, My attorney XXXX XXXX required documentation to show a judgment based on the Levy. XXXX XXXX would not provide any documentation to support the levy. 
When I requested the phone number of a supervisor of Legal Department, he stated '' It was not public information '' Bank of America refused to provide assistance on these accounts that the levy was in dispute, and refused to provide information on the validity of the court judgement or levy notification. Several insufficient fees were placed on the account. 

Company response: Company chooses not to provide a public response
Consumer complaint: First National Collection Bureau Inc made a settlement offer of {$210.00} for a debt collection totalling {$540.00}. I have paid this settlement and the Cresditor refuses to mark this debt as settled in my credit report 30 days after payment as promised. Instead it was left open as being an unpaid debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Tried to resolve dispute with XXXX XXXX ext. XXXX, she stated 60 days for dispute to be resolved treated in a Discriminatory manner, by XXXX XXXX. Also purchase Credit Protection on XX/XX/XXXX. Spoke with XXXX XXXX, conversation at XXXX est on XX/XX/XXXX will show XXXX XXXX discriminatory manner. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a hard inquiry on my credit report th at I did make 

Company response: Company chooses not to provide a public response
Consumer complaint: One main put a hard inquiry on my credit report that I didno consent to 

Company response: Company chooses not to provide a public response
Consumer complaint: Upon checking out credit reports, my husband and I found a joint collection debt saying it is on behalf of an apartment complex we lived in. The collection agency has never contacted us in any format and neither had the apartment complex. We never received our security deposit back, but never was called or mailed a bill ... or contacted by the collections company ... who appear to have added more than {$100.00} in fees to the supposed debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had just asked Home Depot to keep my account open. They said it would be closed since I had not used it very often. 
I made XXXX small purchase in XXXX 2015 on my Home Depot credit card. I did n't think anything about.I expected to get a statement in the mail and pay if off. Done. 

I did n't know there was a problem with the Home Depot credit card until it showed up in my online XXXX account. I had no idea that anything was wrong. It was reported that I had missed a payment and it was 30 days overdue. I was shocked to say the least. I paid the balance off as soon as I found out and setup an online Home Depot account. 

Home Depot said the monthly statements with the overdue amounts/notices/ overdue fees were sent to me via e-mail. I never received any of them. I did n't expect the Home Depot account to be paperless so the e-mails more than likely ended up in the spam folder. 

I do n't recall setting the Home Depot account to be paperless. I expected to receive a statement in the mail. They did n't do anything else to let me know the account was thirty days overdue. I did n't even receive a phone call or any other form of communications. NONE. 
Home Depot did n't think e-mail statements were a very good idea for me so they STOPPED my PAPERLESS e-mail statements and moved me over to paper statements. They did all of this without even asking me for my permission or what I would prefer. 

They finally send me a real, paper statement in the middle of XXXX 2015 for the purchase I made in XXXX 2015. 

It is too late to start sending paper statements. Home Depot should have done that months ago. I have never missed a payment in 41+ years of having credit. NEVER. NOT XXXX. Now my credit is destroyed. My FICO has dropped over XXXX points. There is something very, very wrong with this situation. 

I thought this was an isolated incident and was something specific to me. After a few XXXX searches, I am finding out that there are many, many other Home Depot credit card holders that have encountered ordeals very much like mine. 

I want this taken off my credit rating. If they had mailed me a statement like they were supposed to do this would never had happened. They did n't make a good faith effort to let me know the account was going to be overdue. 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit card transaction was declined inappropriately. We called Wells Fargo to explain reason for declination. They stated that, due to increased fraud activity during the holidays, it was bank policy to decline all credit card or debit transactions. We rep also stated to us that she was required to tell us that this procedure was " for our protection '' 

Company response: Company chooses not to provide a public response
Consumer complaint: seventh avenue at XXXX XXXX XXXX XXXX wi XXXX first off this is not my debt and also it has been put on my credit report. I called the company and several laws were broken due to FDCPA, the rep did not verify who they were speaking with, disclosed a debt that did n't belong to me also there was no call discourse done which are clear violations of the law. this company has put this on my credit report in 2007 for a XXXX debt. I have advised them it was not me and I am DEMANDING the trade line on my credit report is removed or I will be pursuing for laws that have been broken by there management staff and I would suspect it would cost a lot more than XXXX when I hand over the recording. also I would suggest that the owner or COO or board of directors contact me due to the fact that over XXXX and a law suit that would coast much more would probably not be acceptable, also I will be going to the news, social media about this situation. bottom line REMOVE THE TRADE LINE FROM MY CREDIT REPORT 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My ex wife used my social security number and obtained a credit card in my name, while XXXX and its affecting my credit score 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX accounts. XXXX ending in XXXX : I have been charged a monthly fee of {$25.00} with no notice or advisement that there would be a charge for anything. I have no idea why it 's being charged after 15 years with the bank. I have emailed, and received no response. They only response I get is to call. I do n't believe it is legal to make me call as I would like their response in writing. 
Account ending XXXX : The account was charged an Overdraft fee of {$35.00} due to a {$10.00} recurring charge at should have been cancelled with the merchant. Since it has been worked out with the merchant, I wo n't be disputing it. I immediately paid the {$10.00} charge the very next day after it was charged, and emailed to request this be removed. However, I received only another {$35.00} charge. Now the account is $ XXXX overdrawn due to less than a {$10.00} charge that was immediately remedied. I emailed them about this, but the same thing, they are saying they will not address this unless I call. I no longer trust this bank, and want everything in writing. I do n't believe it 's legal to make me call them. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo obtain my mortgage a few years ago and during this time fraudulently placed my home in foreclosure by stating that I never made a payment to them which was n't true. I was instructed by a lawyer to file for bankruptcy to prevent them from doing this. This process will force them to acknowledge the payments I made and prove their claim. An appraisal was performed on my home that was authorized by Wells Fargo which raised my insurance to an astronomical amount that exceed the worth of the home, I have no legal grounds to fight this new tactic by Wells Fargo, 

Company response: Company chooses not to provide a public response