AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX of my accounts is not showing up in my credit reports. My credit history of XXXX years with XXXX XXXX was deleted from the Transunion systems. I called both the Bank and TransUnion to open a dispute but nothing has been done to fix the error. As today my credit report is showing incorrect information because XXXX of my accounts is not reflected, consequently the pending balance due is not reflected either. I need your help to restore my credit history and to reflect accurate information on my credit report. I already sent evidence to Transunion of the errors made in their system and submitted via fax a copy of a Transunion report dated XXXX XXXX 2015 that shows the correct information ( before the changes ) and a letter from the bank showing that I 'm the owner of the mortgage loan account that is missing in my reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: I bought a Visa gift card from XXXX for {$150.00} for my friend for XXXX on XX/XX/XXXX. She went to use it on XX/XX/XXXX and was told it would n't go thru. I called the customer service line on my XXXX receipt for the card and XXXX there gave me the Visa prepaid customer service number. There I spoke to XXXX who told me that someone had tried to use it before it was even activated at the register. She said I needed to fax a copy of the front and back of card, packaging and receipt to a number for Lost/Stolen Replacement Card Request - which luckily I had it all and I did. I was supposed to receive an affidavit to fill out and send back within XXXX days. I called by XX/XX/XXXX to the fraud number XXXX XXXX had given me to follow-up with and I was on hold for a long time and it finally came on and said to leave a message and they would return the call within XXXX business hours. I did, but no one called me back. By XX/XX/XXXX I called the customer service line again and was told it was mailed. I finally received it on XX/XX/XXXX and filled it out right away and faxed it back. By XX/XX/XXXX, I called customer service again to make sure they received it and XXXX told me he saw it said it would be resolved by XX/XX/XXXX but I could try the fraud line again. No one answered again, so I just waited. On XX/XX/XXXX, I called the customer service line to get status, and it now said it would close on XXXX. Again I tried the fraud line ( XXXX ) and could not get anyone on the phone. On this date, I just finally wrote a check for my friend for {$150.00} since she had been waiting this whole time for my gift. On XX/XX/XXXX I called back to the customer service line see if anything had been resolved. XXXX told me it now says pending dispute resolution on XX/XX/XXXX I asked for a supervisor but they told me that I had to talk to the fraud line - the XXXX # that no XXXX answers. I called again, nothing. It is now XX/XX/XXXX and still nothing - 6 months later and I am still waiting for a replacement card for the {$150.00}. I called the fraud line again and waited and waited today. Nothing, so I went ahead and left a message as well as typed a fax to fax to them but that still has not went thru. I as so frustrated and just want my {$150.00} back. Please help. I 'm not sure what I can do at this point but wait and I ca n't believe a company like XXXX can do this. I will not buy a XXXX gift card again after this experience. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bought a {$500.00} US Bank Visa Pre Paid Gift Card from XXXX XXXX XXXX was handed an activation receipt at time of purchase. Called into Card Member Services XXXX to change pin immediately after and was sent to Customer Care agent who told me that the funds were there but the card had not been fully activated even though I had a receipt showing otherwise. Followed their instructions to fax required info to Card Activation department at XXXX. Called back next business day to confirm receipt of fax and information and was told by agent it would be at least XXXX business days before someone worked the issue. Called in again the next business day anyways just to see if the card had been activated and the card balance now showed {$1.00} so I pressed XXXX to speak to agent. Agent advised now there was a charge of {$490.00} on the card which was done at some XXXX somewhere using the card number and pin, which I clearly did n't make. Followed their process now to contact Fraud at XXXX. Faxed in information to XXXX and called to speak to representative in Fraud. Was told I needed to file police report and wait for them to mail affidavit before my case could be reviewed and to expect 3 to 4 months to get my stolen funds back. Asked to speak to manager and was told by agent nobody was available and they were outsourced by US Bank and they could provide me no further help or points of escalation on this issue and I simply needed to follow the process and wait. Found many other issues like this on-line with simple search. Clearly a larger fraud issue and I should n't have to go through this crazy process as a consumer to get my money back. 

Company response: Company chooses not to provide a public response
Consumer complaint: Unethical billing practices, no resolution. I have counted over XXXX overdraft and/or NSF fees within 2 months. I have decided not to use Wells Fargo for anything and have chosen to discontinue my direct deposit due to them pretty much robbing me constantly. They give you a false account balance and also have payments come out sometimes a week later, when there are not enough available funds in the account to cover, resulting in numerous overdraft fees. They mistakingly charged me a few times and realized the mistake but other than that, they never want to resolve the issues. If the funds are unavailable in my account, why do they continue to let any bill payments or merchants charge me, they let the fee ( s ) go through, then they reject them all the while charging me a overdraft fee as well as NSF fee, this is ridiculous. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mother and I are co-trustees on a Bank of the West personal trust checking and savings account. My mother is in-home care under XXXX, and she requires 24/7 care. I have been handling her personal finances for years using Bank of the West on-line banking. The on-line account with all of her important payees was XXXX XXXX/XXXX/15 by the bank due to retaliation for my requesting a written explanation why a payment scheduled for XXXX payment was late. The payee was furious after receiving yet another delayed payment. I used the on-line system to register the complaint XXXX/XXXX/15 in order to have an official record. Late payments have been going on for months, and I have been reporting into Executive Office, which has not offered any remedy. The bank is not taking responsibility or even acknowledging late payments, and XXXX the on-line account I 've always used, which cut me off from accessing all the records I 've established to appropriate handle my mom 's money management to timely pay all debtors. This is elder abuse because it has created a situation impacting payments necessary to ensure my mom 's needed care and well being. Their late-payment processing and lack of taking responsibility for it are unethical. HELP PLEASE! 

Company response: Company chooses not to provide a public response
Consumer complaint: I had Bank of America CC. 
I defaulted on the card because of BoA change in policy that I could not afford to keep up with and mounting medical debt. 
It was sent to collections and XXXX, XXXX, XXXX and XXXX XXXX have harassed me and made false statements. 
Legal aid helped me find court documents with falsehoods and service papers. 
I am on XXXX XXXX and can not make payment. 
The dates on the papers sent to me by them with Supreme Court of XXXX headings seem not to be legitimate listing multiple addresses. 
I was never served by anyone with the papers. 
I received a letter dated XXXX XXXX, 2015 referring to a complaint dated XXXX XXXX in which I was given XXXX days to respond to. Obviously this voided my opportunity to respond. 
The rest of the documents legal aid found online. I had no knowledge of these. 
The affidavit of Service from XXXX XXXX is also false, I was never served, this document was also found on line by legal aid. 
The dates are all untimely and impossible to meet. This is all done in an attempt to scare me into paying them. 
This is to include phone calls and claiming to have served me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent in my loss mitigation packet on the XXXX of XXXX. On the XXXX th of XXXX i received confirmation via email from XXXX XXXX stating that my packet was accepted as complete and in review. I receive this information via mail from us bank on the XXXX th of XXXX, this is more than the 5 days allotted for this to happen legally. I filed a complaint with XXXX and was told tha ti needed more information, this is saying that i should have received this information on the XXXX th of XXXX but i did not. I had contacted XXXX on XXXX, and several after and did not find out that i needed the information until XXXX. I immediately sent in the information via email to XXXX and was told that i was once again in review, more than 30 days after my loss mitigation packet had originally been put in review. This company is not completing my packet in a manner that is deemed timely by the law. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX, we took out a land loan from M & I bank for {$42000.00} at an interest rate of 8.5 % for XXXX yrs. This complaint was previously filed as case # XXXX. I am attaching a copy of our statement to show that after paying this loan for 8 years, we have decreased our principle only by {$4800.00}. So far, YTD, we have decreased our principle by {$180.00} ( this is through XX/XX/XXXX ). We spoke with XXXX XXXX ( BMO Acct Mg ), and he wanted us to apply for a new loan, pay the fees and the appraisal, but then he could not guarantee us that they would do the loan or what the interest rate would be. They have the loan. It would be in their best interest to help us to reduce the interest rate and make the payment more affordable as well as assisting in paying off the principle. I do n't see how, at this rate, we are ever going to pay off this loan within 22 years. Also, 8.5 % is a high interest rate in today 's market. We need assistance in getting this loan payment reduced. My husband is now retired and I am the sole payer on our loans. We would like someone to please look at this and assist us as BMO has not assisted us at all. They have no interest in helping us. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a computer motherboard from XXXX XXXX in 2010. The company was giving me the run around & did not provide any means for me to contact them by phone so I feared that it may have been a scam. The item I ordered was not delivered so I contacted my credit card company & did a charge back. Soon after that, the item I ordered finally arrived at my door. I refused the package & asked the deliver person to send it back. They received their item back & are still charging me for it. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am a victim of identity theft and someone opened a XXXX Bank checking account using my personal information and stolen identity. The XXXX Bank checking account # : XXXX and the following inquiries removed from my consumer report : XXXX XXXX and XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Some one was using my credit for diffrent ztuff and know my score looks like i never had credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: They call every XXXX min at least XXXX per day.  I work during the day so I can't leave to pick up my personal cell phone everytime my phone rings. I have told this company before that it is to the point of harrassment since they call so frequently and NEVER leave a voicemail with this specific phone number. I have told them before to leave a message and I will get back to them when I am free.  But they have not honored my request.  They said it's an autodialer and they can't control it.  That doesn't make sense at atll!  I would love to call them every XXXX and hang up--see how they like it! Ridiculous!
Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 my then boyfriend and I went to a Kay 's outlet store in XXXX to look at potential engagement rings. At that time an employee named XXXX began began showing us rings and at first was very helpful, however when we told him we were unsure about how my boyfriend could afford to purchase a ring he started telling us he could check and see how much he could be approved for. He started having my boyfriend fill out forms and had another employee show me other rings. Eventually he came to me stating he needed my drivers license, and a few minutes later started asking me about how much I made and where I worked. He filled out half of the form for me and then had me sign at the end. We had made it very clear that we did not want to move forward with anything and the whole time he kept reassuring us that this would just be to authorize him to run our credit scores and that nothing would be opened and there would be no commitments or obligations. He knew this was the first store we had gone to and being that he was very open and friendly we trusted him. We left without buying a ring and said we would come back once we figured out finances. XXXX ended up opening XXXX accounts for us. XXXX joint account with my boyfriend, XXXX XXXX, and I and XXXX for just my boyfriend. We discovered this when the cards came in the mail. I am very displeased with his behavior and conduct. He was VERY deceptive and obviously had every intention of opening accounts. He took advantage of us being first time buyers, he fast talked my boyfriend about him being in the military and distracted me with his other associate, showing me other rings. These open accounts have now dropped my boyfriends credit score, which he has worked extremely hard to improve over the last few years, and have put a hard hit and an open account on mine. We called customer service today and the rep on the phone said they could close it but there was nothing they could do to delete it from our credit reports. Per the customer service rep, she stated that us signing the forms, which I now realize were not credit score authorization forms they were credit cards, meant that we authorized him to open credit accounts for us, and they could not be removed from our credit reports. I understand it was my mistake for not reading the fine print, but like I said we trusted him and were caught up in the excitement of looking for engagement rings. It 's very disappointing to see that this guy preyed on first time buyers and a service member, and now the customer service is unwilling to help us, standing by the fact that what their employee did was ethical. If I need to file a police report to get this removed from my XXXX credit report with our local police I will, but I 'm hoping you can help get this resolved without having to file XXXX and submit a formal complaint on Kays employee conduct. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I have been going back and forth between XXXX XXXX XXXX rewards program to figure out what happened to my points. Bank of America claimed to have transferred the points automatically, but I never received them on my XXXX XXXX account. I contacted Bank of America ( for the XXXX time regarding the issue ) and they finally transferred me to a supervisor that stated the rewards points expired. Before signing up, I was told that the rewards miles do n't expire let alone after a month! Bank of America kept putting blame on XXXX and sending me to them for resolve when BofA is the XXXX responsible for rewards transfers. 

Company response: Company chooses not to provide a public response
Consumer complaint: While applying for a personal loan in XXXX XXXX, it was discovered that Bank of America never released the lien on my mortgage. According to the letter they sent me, this should have occurred in XXXX XXXX, when I switched to XXXX XXXX XXXX XXXX. After numerous phone calls from me, I was given a request # XXXX. Bank of America eventually determined that XXXX XXXX Mortgage, who had previously held my mortgage, was out of business and Bank of America was trying to get someone to sign off on my loan. I have been calling weekly and waiting for something to happen ever since. I have been given several names of agents supposedly in charge of my case ; the names change frequently. The latest name I was given on XXXX XXXX, XXXX was XXXX XXXX, but other names I 've been given are XXXX XXXX, XXXX XXXX and XXXX XXXX. However, I 've been told I can not contact these people directly. My message is supposedly passed on by whichever operator picks up my call. Considering I 've never spoken directly to any of the these people, I have to wonder. It has been extremely frustrating dealing with this bank and as of yet, the lien is still not released. It 's a good thing I was n't waiting to sell my house tomorrow. It has been XXXX months and I 'm still waiting! 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX Chapter XXXX Bankruptcy petition # XXXX was filed in Hawaii and included creditor XXXX XXXX for an unknown amount ( guessed {$540.00} XXXX. 
XX/XX/XXXX Chapter XXXX Bankruptcy discharged # XXXX including XXXX XXXX debt. 
XX/XX/XXXX - XXXX XXXX has continued to forward discharged debt to collection agencies. XXXX has removed the XXXX XXXX XXXX XXXX but Experian refuses to do so. 

Company response: Company chooses not to provide a public response
Consumer complaint: My ex-spouse passed away. Medical bills for my children that my ex-spouse was legally responsible for were not paid. The bills were being sent to him. I had no knowledge of the bill until I received a notice from my credit monitoring company. I contact the collection agency and was told it is my problem and to take my dead ex-spouse to court. They refused to work with me and told me it is my problem and I have to pay the bill, just before hanging up on me. They offered NO documentation that this bill was valid nor did they made any attempts to contact me regarding outstanding debt. I have since paid the debt even though I have received no proof that exists and have filed dispute cases with the credit reporting just to not have it impact my credit report. I find it unacceptable that a debt owed by my deceased ex-spouse be charged negatively against my credit when I have NO knowledge of its existence. 

Company response: Company chooses not to provide a public response
Consumer complaint: Deposited US Treasure check at Suntrust ATM XXXX XXXX # XXXX XXXX on XXXX/XXXX/15, presented receipt of Deposit to XXXX XXXX Suntrust Branch Manager, and funds were not available. 

Company response: Company chooses not to provide a public response
Consumer complaint: BB & T claims that I am months behind on a loan, however, they have not provided me with loan documents, proof that this account is even mine. Only generic statements which have been e-mail directly from a processor ... 

When I attempted to add this loan account to my BB & T online profile the system claims that the account does not exist and although they claim to be mailing " demand letters '' and statements to me directly, I have not received a single piece of paper mail from BB & T AT ALL since the purchase of my accounts from XXXX ... 

I have closed all other accounts and was told by the loan officer that my ENTIRE balance due was deducted from my withdrawals and that should have been an end to it ; however, they still claim to have an additional line of credit that I do not have any knowledge of, is claimed to have been opened at a branch during a time I lived in another part of the state and they can not produce a single shred of evidence that it is mine. 

If I have a line of credit, I would like to have access to it, I 'd like to have it linked to an account or profile where I can manage it and monitor it and take advantage of the product as opposed to simply send money in the mail to voices on the other end of the phone who are demanding I do so ... 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit report is still the same 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a check from my insurance company for roof replacement made payable to myself, a XXXX veteran, and my spouse. It was also made out to the previous mortgage holder, XXXX XXXX I endorsed the check and gave it to the roofer. He in turn, took it to the Bank of America Branch located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. The bank cashed the check without the endorsement of the mortgage holder. I also called XXXX XXXX Bank, the bank the insurance check was drawn on because Bank of America told me ( after multiple calls to them ) that it was a XXXX XXXX problem not theirs. However, XXXX XXXX did not cash the improperly endorsed check, Bank of America did, I believe that the Bank of America did not follow their own guidelines when they cashed this improperly endorsed check. Please advise and I have provided a copy of the check in question. The other signature besides those of my husband and mine, is that of the roofer, XXXX XXXX. I have also filed a police report as XXXX XXXX never did the roofing work so I am out XXXX the money. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXXCredit Report Confirmation # XXXX dispute is with the negative entry by Bank of America XXXX BOA XXXX. 

When making the telephone call to cancel ( close out ) my BOA credit card I told the woman I talked with that I wanted to sever all contact with BOA. She replied in the affermative that it would be done. Then said that in the event that a charge should appear I want it disregarded and no charge for insufficient funds as my account was closed. She had to talk with her supervisor about this. After this consultation she told me that it was okay. No further activity on my account would occur. I am absolutely positive about this conversation. Am not so sure about the following. 

Sometime thereafter I received a charge from BOA. Believe the charge was for insufficient funds. Believe that I called BOA and told them of the arrangement concerning my account closing. I may have received an additional bill by mail but did not receive any more invoices. 

I assumed that everything had been settled with BOA until I was turned down for a credit card with XXXX XXXX Bank. Got a credit report and found the negative entry from BOA. Before cancelling my BOA credit card I had previously cancelled ( closed XXXX my bank account. This account was closed because they made errors, one very significant. The branch manager could not believe how badly they had messed up! Now they made another error and they are making me pay ( with a bad credit file ) for another oftheir mistakes! 

How long are recordings of conversations with banks kept? My credit file indicates that the problem probably started in XX/XX/XXXX. So my initial tel conversation with BOA probably occurred a max of XXXX months prior. So the voracity of what I said should not be too difficult to confirm. 

Many thanks for your investigation of this matter. I have long been a fan of the CFPB since XXXX XXXX initiated it. XXXX further impressed with XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response