AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I went to the ATM to deposit some money and process a small withdrawal. For some reason Bank of america thought it was ok to block my card so that I was unable to use it. They provided me with a printout of the number I could call to resolve the issue. I contacted them at the number they provided XXXX at XXXX and was on hold for XXXX minutes before someone came to the phone. Then I was connected with some fraud representative that told me that I was speaking with the wrong department and that I needed to speak with someone else. She attempted to transfer me to another department and came back after XXXX minutes stating that there was a long hold time and that the reason for my block was due to them needing to verify my deposit. My CASH deposit! She then asked me if I would like to continue to hold and after waiting on hold for about XXXX minutes, she came back and told me that the other department closed at XXXX and I would have to call back on the following business day. I asked to speak with a supervisor and she got me a supervisor. The supervisor said the same thing, there was nothing she could do. So here I am with a bank account full of money, on a Sunday evening being told that I cant use my money! So my family has to suffer the rest of the evening, my XXXX year year old daughter ca n't eat because Bank Of America decided to put a hold on MY MONEY!!!! this is not right, this should never be allowed to happen! How can a bank place a block on your account without even attempting to contact the person firs or at least having the decency to keep the department open long enough to resolve the issue! I asked the supervisor XXXX XXXX ( XXXX ) to give me someone else who could fix the issue, I asked to speak with her boss and after XXXX minutes of back and forth and her telling me that there was no one else in the entire bank of america corporation with a title/pay grade above hers that she could get me to, she finally said she would transfer me to customer service. However she transferred me to a non working number. This lady should be fired she had no empathy ( sure she said i understand your frustrated ) she never even freaking apologized! Here I am with no money because they took my last bit of cash ( the {$15.00} I deposited ) but will not allow me to use my card for purchases. This should be illegal. I asked them to compensate me for the troubles they put my family through and she said they would not compensate me for anything. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a vehicle through XXXX XXXX in the state of Illinois. I payed off the remainder of my car loan in full this year in XXXX. I waited over two months to receive my title in the mail and did not receive nothing. During that time I was receiving calls from Westlake Financial stating that I still owed a remainder on my car loan. They had explained to me that XXXX transferred my account over to them but never why. I told them I had pay off the remainder of my car loan, so they asked for verification in which I had faxed over proof several times. Westlake Financial had told me they were going to send my title, they just needed verification, and that it might have been an error in XXXX system. Repossession has also been coming to my home trying to reposes the vehicle that is already rightfully mine. I still have yet to receive my title in the mail after I have faxed over proof to Westlake Financial numerous times, stating that there going to fix the situation and send me my title. Westlake Financial still calls to this day stating that I owe payments on my vehicle so the situation has not been taken care of. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: XXXX & I fell into financial hardship when XXXX lost her job in XXXX. We filed bankruptcy, chapter XXXX in XXXX of XXXX and were discharged in XXXX of XXXX. During this time with XXXX children we could not afford the payment to the trustee [ {$600.00} per month ] and our mortgage. I missed approx. XXXX mortgage payments, however, foreclosure proceeding did not begin or occur at anytime since we were protected by the " automatic stay '' of the bankruptcy law. 

In XXXX of XXXX, Wells Fargo Mortgage approved us for a remodification under the new federal law for FHA loans however charged us exorbitantly high capitalized interest ( noted as " New Money '' on page XXXX ) in the amount of {$46000.00}. To be honest, we were both naively under the impression that our principal balance we remain at {$240000.00}, as it was before our filing of Chapter XXXX in XXXX. 

Since we have XXXX children, keeping our house was most important to us so we accepted the remodification and signed the documents at our local Wells Fargo Branch. We did not know we would get hit this hard in delinquent interest, other unknown fees, and feel Wells gouged us placing us well underwater on our loan. 

We also both feel we should have been offered a better finance rate than 4.25 %. If the " New Money ( Cap ) '' was lower and so was the annual rate this could be potential difference of {$100.00} - {$200.00} per month. Which is a big deal to a family of XXXX in XXXX. 

Thanks you in advance for any help you can provide in this matter. 

Sincerely, XXXX and XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: USAA Federal savings bank refuses to refund me for unauthorized charges on my USAA credit card. These charges took place between XXXX XXXX and XXXX XXXX 2015 in XXXX XXXX XXXX, at the time I was in XXXX and have n't been to XXXX XXXX at anytime this year ( 2015 ). I can easily prove I was in XXXX during this period however and somewhat surprisingly USAA never requested that proof. 
The unauthorized transactions consisted of purchases and cash advances in large amounts, USAA approved these charges although they were transacted in another state and I never informed USAA I would be traveling. Other credit cards I have, always contacts me if a transaction was performed out of state. USAA never made any attempt to contact me although this was a card that was rarely used in the past. Further, USAA Fraud department stated that I MUST file a police report and if I did not file a police report they would not investigate my claim and would report the current balance including the unauthorized charges I am disputing to the credit bureaus. I informed the fraud investigator that their position was a breach of contract and may also violate federal policy. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX 2014, our house was hit by a severe XXXX. PennyMac, as our mortgage holder, is responsible for disbursing the funds from our insurance company so that we can pay for repairs to our home. 

Repairs are now complete, but PennyMac is stalling on releasing payments. This means that we either have to ( a ) go out of pocket and pay contractors ourselves ( approx {$40000.00} ) or ( b ) continue to nag PennyMac to release our repair funds, and run the risk of incurring late payment fees or, worse, a lien from our general contractor. 

Numerous calls to PennyMac have failed to push the process forward. It seems that PennyMac has instituted a process of losing paperwork and giving its mortgagees the runaround in an attempt to keep our money as long as possible and generate interest. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I was discriminated against for my XXXX by Mortgage One. Causing numerous delays in our mortgage processing and leaving us homeless for nearly a month! 
The discrimination and delay were due to them requesting that I provide them proof I would remain XXXX for the next 3 years, an action they are prohibited from doing. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I am getting repeated harassing phone calls where no one even speaks when I answer. According to caller ID and XXXX phone bill these calls are coming from FNCB INC at ( XXXX ) XXXX, a debt collection agency. 
I have not debts in arrears, These people have not written me nor talked to me on phone-just repeated calls with no one there when I answer. 
Called me XXXX this morning and woke me up at XXXX XXXX and XXXX XXXX. I am ill and in bed and harassed by this dumb tactic? 
This company also called two weeks ago and same thing-no one spoke when I answered phone. 

Is this some new bizarre tactic by bill collectors?? Harassing calls without even speaking to the people they bother by calling? Unprofessional.Maybe if they can get me to call them it opens the door for more contact? 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: My issue concerns my credit score ... XXXX it list me as a ( very Poor ) credit risk.. Primarily basing the conclusions on credit inquiries.. & credit card usage ... XXXX I 'm am a debtor, who works very diligently to pay my bills & pay them on time ... # 2 I do not use 'Credit cards to pay credit card or other monthly Bills that are Due ' Indeed I pay my bills with the cash that I earn, from the sweat of my brow. I use my credit cards for goods & services which is what they are designed for. # 3 'I never ever pay minimum amts Due on credit cards ' instead, I use them more as, an easy way to pay for goods & services.. But in this modern day world of Internet sales & the like. I somewhat insulated against scams & the like..Mosty Importantly ..I am extended credit ..because of my payment creditworthiness & no matter how much of my credit I use I should not be penalized unless I 'm in default ( Computer models & probability charts should not Count ) ... My goal is to repay the debt.. & that 's what I have done.. 100 % & my credit score & Rating from the Bureau should lean most heavily on this simple fact ..when issuing My Credit Score ' 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian Credit Bureau, removed XXXX fraudulent accounts from my credit then without warning or notices they re-added the unknown accounts back to my credit. I have supplied themwith a valid police report that was stamped and signed by the police officeand to date they have done nothing but ignore me, so my case remains unresolved. 
The fraudulent accounts are as followsTax Lien ref # XXXX XXXX XXXX # XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: i attended XXXX in XXXX, and used Genesis loan services, and would like to know if my loan was part of the XXXX settlement dispute, 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I initially went on XXXX to get my free credit report. After I chose XXXX it said I had to mail in a letter by mail and get it mailed to me. I was going to look at a house and wanted it immediately, so i followed the link to Experian. It said I could view my credit report for {$1.00}. In fine print it said I was signing up for Experian XXXX XXXX services and would be charged {$1.00} per day which I did not realize. Once I saw daily {$1.00} charges from Experian in my credit card transactions I called to cancel. They assured me there would be no charges and I had caught it within the 7 day " free trial '' period. This was on XXXX XXXX. Then on XXXX XXXX and XXXX XXXX I was charged for {$24.00}. I called XXXX, XXXX XXXX and they verified that my account was inactive but found that XXXX people signed up for their services using my credit card number. These are the only unauthorized purchases on my card. I find it convenient that their response to this was to call my credit card company rather than reimburse me and report it as fraud. And then of course they tried to sell me their services. They want me to give them MORE money after they just put me through this hassle and allowed people to charge my card in my name. I find these extremely deceptive from a company that is supposed to be helping to protect people 's credit. Did they have a security breach in the last month that I dont know about? I dont know how anyone could have my card number and why they would use it just for credit report services. Now I will have to watch my credit reports but I will definitely not be giving them a dime. Especially when they are unwilling to refund me these charges. I dont believe my credit card company should be responsible for refunding me those charges. 
XXXX XXXX, Certified Financial Planner ( TM ) 

Company response: Company chooses not to provide a public response
Consumer complaint: I am just an authorized user on my ex-husband 's credit card. They will not remove me, and they will not change the email address on the account so I can continue to get emails about this credit card that I 'm not responsible for. Which makes no sense because I have no vested interest in making the payments, so they need to change it to his email 

Company response: Company chooses not to provide a public response
Consumer complaint: Purchased XXXX bras and opened a macy 's card. I paid this the following month. Next thing I know I owe {$64.00} more in fees. More than my original purchase!!!! I paid the fees, closed the account and will never, ever, ever do business with Macy 's again. 

DO NOT OPEN a MACY 's CREDIT CARD. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a former XXXX student. I took out their private Genesis loan when I XXXX applied in 2012. I was promised flexible repayment options and an easy manageable monthly payment. It was all going well until XXXX and XXXX of this year when I suddenly found myself short on money. I was denied a deferement for the XXXX dollar charge, so I did what I could, and in the span of a week paid XXXX XXXX dollar payments to cut down on the now past due payment of 340 dollars. Despite paying XXXX XXXX dollar payments to Genesis Lending in the span of just one week, my balance for XXXX still reads 340 dollars. Now I am aware that companies send late payments towards interest charges instead of the actual loan amount, but the fact that even after XXXX payments in one week led to absolutely no reduction in the extravagant payment leads me to reconsider what this so called fair and honest company does with my hard earned money. I consider myself lucky enough to have a job in the field I had studied for but it was all due to my own searching, the school never helped me with a solid lead for a career, and I feel very cheated by Genesis lending. The name of my now defunct school is XXXX, XXXX XXXX XXXX, XXXX XXXX, California, XXXX. Any help or advice will be greatly appreciated. Thank you. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Credit reporting & low score ... .This Bureau is not using my credit repayment history to rate my creditworthiness, but instead is relying on credit inquiries, & credit card usage while overlooking the ( the most important factor ) My repayment history & ability to repay. I seeking a correction, of this ( Poor ) Rating as it has a direct affect on my ability to get low rates which consequently becomes the greatest avenue to ( not only getting good & reasonable rates but indeed making it much easier to repay .... My bills are at 100 % repay & my score should reflect the excellent Payment history & score 

Company response: Company chooses not to provide a public response
Consumer complaint: PayPal charged XXXX small fees to my bank account because I registered this bank account with PayPal to make payments to them. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I am so tired of Bank of America and their way they do banking - fed up beyond belief ... you can not imagine my frustration - I 'm done with you guys unless you refund those fees at once. This is the XXXX time in 6 months that I have to lodge a complaint. When I awoke yesterday morning ( Thursday ) my account had gone in the negative by {$8.00} or so. At approximately XXXX XXXX or so I transferred the difference from my business account to bring me to a XXXX balance ( well within the XXXX XXXX cut off time ). As I now work night shifts, I checked my account several times, including at XXXX where the balance was {$0.00} just where I left it. At XXXX XXXX my direct deposit went through and after a transaction I had {$830.00}. Did n't feel the need to check it again but did before I went to sleep ( which should 've been XXXX minutes ago ). What I saw caused my blood to boil and frustration is thru the roof - Bank of America charged me XXXX - in the total amount of {$70.00}!! I know the bank is doing things different because my roommate is going thru this exact same thing with his account ( which he too lodged a complaint ). I am taking this to social media next - this can not be the way to keep your customers - I have been XXXX for just under 10 years and am completely fed up! 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm trying to get a copy of a mortgage discharge from XXXX XXXX XXXX that 's out of business. XXXX XXXX XXXX 's parent company, Nations Bank, is owned by Bank of America. I was advised by B of A to contact XXXX at XXXX. This number is voice mail only and after leaving numerous messages over several months they will not call me. The mortgage was taken out by my parents. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted Experian to dispute an entry showing a balance due on my credit report with XXXX XXXX Bank. I have settled this account through a collection agency, and I provided Experian with a copy of my receipt. However, provided me with an updated copy of my credit report which still shows that this account has an outstanding balance due, when it should reflect that it was a settled account with nothing due. 

Company response: Company chooses not to provide a public response
Consumer complaint: I got a letter from Experian saying that I had a " potentially negative item '' between XX/XX/XXXX and XX/XX/XXXX, but they did n't say what it was ( of course, then they could n't charge you ). I tried to obtain a free credit report from the Experian website, but I was declined and told that I had to submit my report in writing. I tried using annualcreditreport.com, but just got dumped to the Experian website again and marked as having obtained my free annual credit report when I did n't obtain it. Come back in 12 months. Due to XXXX problems over the last years XXXX - I do n't have the time or staff ( I have no staff ) to pursue these people when they are making things difficult. They promise you a free credit report every year, then scam you by counting a denial as actually receiving a report, so you have to pay for something that you should n't have to. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian continues to post a public record that does not belong to me, they shows it as remaining, and have not followed up with the XXXX County Record of Deed, they do not have a tax lien for me. 

Company response: Company chooses not to provide a public response
Consumer complaint: US DEPARTMENT OF EDUCATION # XXXX for is NOT a collection item and has NEVER been late. I have disputed this information over and over again with Experian for them to delete the account or remove the INACCURATE PAYMENT HISTORY that make this account falsely past due and in collection. I have contacted the US Department of Education and I have been informed by them that they have alerted Experian XXXX that this account should not be a derogatory item, it should NOT be reported as a collection or in collection and it should not be reported as having ever been late. They refuse to change or verify the information and i have repeatedly requested that they send me proof of an investigation and they refuse to send me any proof and or any proof of verification as to their reasons for reporting the account this way. 

Company response: Company chooses not to provide a public response
Consumer complaint: Contacted XXXX XXXX to dispute reporting " unpaid '' collection and charge off {$360.00}. I 've written and mailed XXXX, proof of paid settlement offer to XXXX ( their collection agency ). This was done XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. They continue to " Promise '' to update the report as paid but still shows error since XXXX as a charge off. I 've contacted XXXX XXXX and Experian every year since XXXX XXXX, XXXX. I 'm unable to contact Experian XXXX/XXXX/XXXX to dispute my report, even though I was given until XXXX/XXXX/XXXX to XXXX again submit proof. 

Company response: Company chooses not to provide a public response
Consumer complaint: I attempted to make a cash withdrawal in the amount of {$2500.00} from my SunTrust personal savings account. I provided 3 forms of identification:1 ) My non-expired Florida driver 's license, bearing my photograph and signature. 
2 ) My pre-printed withdrawal slip provided to me by the bank bearing my signature. 
3 ) My non-expired debit card issued to me by the bank, bearing my signature. 

The teller stated that the signatures did not match. I addressed my dissatisfaction with the CEO of the bank, XXXX XXXX in the form of a letter. He delegated responsibility for responding to XXXX XXXX of the Client Advocacy Team. XXXX XXXX sent me a letter which not only failed to address any of the objections which I raised in my original complaint but went so far as to attach a copy of my withdrawal slip and signature card on file which prove that the signatures, in fact, did match. I am left with zero confidence that any future attempts to withdraw funds from the account will be fulfilled no matter how many forms of identification I provide. SunTrust Bank made me feel like a criminal for attempting to withdraw my own money. I ask that you censure SunTrust for the inordinate barriers to withdrawing funds which it has instituted. I make my request based on experience because I also have a savings account with XXXX XXXX and have made similar withdrawals without incident simply by providing my driver 's license and debit card with PIN. 

Company response: Company chooses not to provide a public response
Consumer complaint: Pressler & Pressler representing XXXX XXXX swept all my funds from my bank account, then threatened me that if I fail to sign the agreement of debt repayment or upon signing I would fail making repayments, a lien will be placed on my payroll and my salary will be garnished. 

This is so shocking to me because I knew that only government and its agencies can put a lien on your account for nonpayment of child support, alimony, school loans ; and IRS for owing taxes but financial institutions such as credit cards who 's funds are insured by the FDIC - that 's completely new to me! 

I had no idea that I was being sued by Pressler & Pressler representing XXXX XXXX since due to an illegal eviction I am no longer at XXXX XXXX XXXX for over a month and I do n't have a new mailbox address as of yet. 

So, I called Pressler & Pressler and after my conversation with Pressler 's representative and making payment arrangements, they still refused to release my frozen funds back to me. I had {$1800.00} in the account, which represented my Federal and State Income Tax Refunds that I just received as EFT to my account that week! 

After crying on the phone pleading with them to release my funds and informing him that since they took all my money from my account at XXXX XXXX XXXX I have only {$2.00} in my pocket thereby left without any funds to purchase groceries for the next XXXX weeks, the representative made a promise to release {$300.00}. THE MONEY WAS NEVER RELEASED. 

Company response: Company believes it acted appropriately as authorized by contract or law