AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Re : # XXXX US BankI received a lengthy " meaningless '' response dated XX/XX/XXXX by mail from US Bank from XXXX XXXX, Customer Care Specialist, that " did not address the real issue. '' They provided nothing other than what is already known by myself and hence, the reason for my complaint. 

XXXX paragraph, XXXX line states : " The available balance reflects funds that are available in your account for your use and is used to determine if an overdraft occurred on your account. " The " issue and problem '' is and has been they did not reflect any negative balances before I withdrew funds and ONLY added excessive fees after two to three days after withdrawal therefore creating a cascading effect on my account. This exact issue occurred after I closed XXXX checking/savings account at XXXX branch XXXX XXXX XXXX and opened a new account at the XXXX XXXX branch. It is US Bank 's computing system and the lack of US Bank 's attention to detail and dates of transactions that have created a financial hardship I am still attempting to recover from and will not recover from until XX/XX/XXXX 

I also filed a complaint against the XXXX XXXX branch 's manager after her rude demeanor and her lack with the English language in addressing the very same issue I have found myself confronted with. I have since closed my account with the XXXX XXXX branch and will have no further affiliation with the US Bank XXXX. 

In hindsight - I should have been with XXXX XXXX where I have had a checking/savings account where I never had this issue even when I used overdraft protection over the past ten years with XXXX XXXX ; never. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made a deposit of {$1300.00} to my new US Bank account on Thursday morning XXXX/XXXX/2015. The funds were removed from the account that the check was drawn off of on XXXX/XXXX/2015. I wrote XXXX check for {$420.00} and performed XXXX small debit purchases over the weekend with the full awareness that my account had over {$1000.00} in it. Come Monday morning XXXX/XXXX/2015, US Bank had assessed me overdraft charged, returned the check I wrote on Friday AND tells me that I am now {$300.00} in debt to them BUT my account balance is {$1000.00} that they will not acknowledge until XXXX/XXXX/2015. I checked with the CFPB and unless the check was drawn off a foreign bank ( nope, drawn off a California credit union ) or is in excess of {$5000.00}, they can not legally hold those funds for more than 2 business days! I have been down to the branch XXXX this morning. I have shown them PROOF the funds have been withdrawn from the payees account. I have had XXXX long telephone conversations and STILL they will NOT RELEASE MY OWN MONEY THAT THEY HAVE IN THEIR POSSESSION TO ME. Not only that : THEY ARE ASSESSING ME FEES. This is a scam and must be stopped. 

Company response: Company chooses not to provide a public response
Consumer complaint: After explaining the situation on the billing error, they assuredme that if I pay it they will remove it from my credit report. I told them that I was in the process of refinancing my home and that it was critical in order for me to get a good interest rate. They told me they 'd have it done in 3 weeks. At the advice of my banker, I called to confirm this and was told they ca n't remove it. 

Company response: Company chooses not to provide a public response
Consumer complaint: This address, XXXX XXXX XXXX XXXX, XXXX XXXX, in XXXX was on my credit report and was reported right around the time my license and social security card including my children social security cards were stolen, my things were stolen in XXXX. I have never in my life lived outside of Texas. Only XXXX, Texas and areas surrounding XXXX, Texas. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a Bank of America customer for about 10 years holding multiple money market accounts, checking and savings accounts. i also had several credit cards which i paid in full and never had an outstanding balance on. my credit score is above XXXX as well. last year i received letters from BOA stating that my XXXX credit card accounts were closed and my checking and savings were to be closed within 30 days to make arrangements to get my money. no problem. my concern was the XXXX points i have EARNED with my royal XXXX card. they told me i could n't get the points to redeem because the account was closed i advised them the contract says if i close the account i will lose it however i was given no warning about the closure or given the opportunity to redeem the rewards i earned and received. they would not give me a reason why the accounts were closed and just said it was a business decision. i called corporate and all, and got nothing. i was only concerned with having to redeem my points but they refused to honor the fact THEY closed my account and i did not breach the terms and conditions which is extremely unfair. i earned those points and rewards and am entitled to them. i have contacted a civil attorney to fight for whats morally right here. since, i have a new bank and have no issues. even the BOA branch had no idea why BOA corporate " ended my relationship '' with the bank after 10 faithful years and abiding by call contracts. i had used this card faithfully for several years and paid the card in full faithfully, never missing a payment. I earned thousands of rewards points and was n't given the opportunity to redeem them because BOA closed my account without any warning ( as they sent me a warning letter for my checking and saving ) why couldnt they do the same for the credit card accounts. this has to be a scam or a breach of security or contract on their end! they refuse to provide me with any details or explanation which can not be right. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a victim of identity theft. My personal information was stolen and used to open a credit account with Bank of America. I never received any billing statements or was aware of this accounts existence until I checked my credit report. I immediately notified Bank of America the account was not mine and I am a victim of identity theft. I also notified the police and filed an identity theft report and reported the theft. I filed with the Federal Trade Commission my ID Theft and when Bank of America sent my documents, the billing address did n't even match mine nor the name of the account. Bank of America continuously calls and tries to collect on this credit account that is n't mine and is a result of ID theft. They also are reporting this fraudulent account that they are aware of that is fraudulent to the credit bureaus and has verified it when I disputed it. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX I RECEIVED A COPY OF MY CREDIT REPORT FROM TRANS UNION DATED XX/XX/XXXX WHICH IS ATTACHED. I DISCOVERED NUMEROUS ACCOUNT REVIEW MADE BY XXXX FROM XXXX XXXX XXXX. XXXX INQUIRIES WERE MADE XX/XX/XXXX, XXXX INQUIRY EACH MONTH PRECEDING XX/XX/XXXX. I WAS TOLD BY THAT NOTHING COULD BE DONE ABOUT THESE INQUIRIES SINCE I HAD AN ACCOUNT WITH THEM WHICH IS AND WAS NOT TRUE. I EXPLAIN TO TRANS UNION THAT I DID N'T HAVE ANY BUSINESS WITH AND AGENCY AND THEREFORE THEY HAD NO VALID NEED OF MY CREDIT INFORMATION OR ACCESS TO MY CREDIT FILE.I AM APPEALING TO YOU STOP THIS PRACTICE AND ENFORCE THE FAIR CREDIT REPORTING ACT. I HAVE HAD SIMILAR PROBLEMS BEFORE AND THE XXXX RESPONSE WAS " WE CA N'T MAKE THEM RESPOND TO US. '' THEREFORE NOTHING WAS DONE TO PROTECT MY RIGHTS BY THIS STATE AGENCY, THIS WAS DONE XX/XX/XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: The mortgage started with XXXX and was changed to GreenTree. My mother has since passed away ( XXXX 2013 ) but they still keep sending the statements in her name, even though they were sent death certificates XXXX. They would not work with my parents who live on social security and the mortgage was very high interest. They made payments every month and barely anything was put toward the principal of the loan. When they were facing difficulties, my mother called to try to get interest rate lowered or some other option and was told NO. My parents were in constant stress trying to make ends meet. Since they would not work with them, they had to file bankruptcy. Every time, it was declined by GreenTree. This is a modular home, not a regular house. They do not increase in value, they decrease. They want too money for this place. The house is in the XXXX bankruptcy in just my father 's name. He lost my mother 's income when she passed away. He was paying {$300.00} a month to the trustee and now they want {$450.00}! He has less income and they want MORE money. I handle his finances for him because my mother took care of that. This is the XXXX time for this bankruptcy. They are refusing to take what was paid in the past 17 years and want more money. The trustee wants to dismiss the bankruptcy. He tried to get a place for low income but was DECLINED because of this bankruptcy. What is he supposed to do? There is class action against GreenTree and I want him to be part of that. There are over XXXX complaints against them. He has very limited income and I feel this has gone on long enough. He wants to stay there for the remainder of his years. He is XXXX the lot rent also went up this year and is {$570.00} a month. This home is in a modular home park. It is not on its own land to give any value. I feel this has gone on long enough and this place should be considered paid in full. He certainly paid more than it 's worth. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: U S Bank claims the payment is late for about 6 months now. Furthermore, they have falsely reported to all XXXX credit bureaus as late. I have checks and documentation to prove it has never been late, moreover, the online account even shows the mortgage to have been paid on- time for the past 6 ( six ) years. On a daily basis they call and harass with threats and I continually tell them I have sent certified letters explaining the mistake and showing the mortgage to be paid as agreed. 

Company response: Company chooses not to provide a public response
Consumer complaint: Suntrust BankOn XXXX the XXXX I did receive a phone call around XXXX or may be later from the bank, the lady said that they have stop a credit card charge to my account for over XXXX I did said to her that I did not purchase anything, she said card ending XXXX, I did replied that I do n't have the card for long time, she ask for my XXXX number and I did explain that I do not remember and I was driving home that as soon as I arrive I will call back, and I did, I visit on Monday the XXXX the Branch on XXXX XXXX FL , where I get the first document, I did call the branch to not paid the charges, I went back to the branch on XXXX XXXX XXXX on Saturday XXXX and I e-mail back and forward by e-mails. I contact them until I received the letter r that my claim was denied and that was not XXXX charge was XXXX charges over XXXX as I can probe to the documentation attached. They have declined my claim. I need your help to reopen the claim since that they have no provided me with any information. I am there customer for over 20 years an as a customer I deserve a better service and security on my accounts. 
I did discover that there was XXXX active Debts card on my account under my name, and that is not a regular procedure on any bank. How there is possible that under a business XXXX person has XXXX card for over a period of time. There is not security at all. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, AZ XXXXXX/XX/XXXXI am writing to seek your help with a Mortgage Creditor XXXX Statebridge XXXX that refuses to report accurate consumer information and ask for your assistance. My wife and I have exited a XXXX Reorganization Bankruptcy XXXX XXXX. XXXX, which was closed over one year ago XX/XX/XXXX, as evidenced " Order Entering Final Decree and Closing Case '' .. 

Now in hopes of regaining our once impeccable credit and meeting all of our financial obligations for nearly 7 years, we request them to report payment history. No avail. We sent dozens of letters, phone calls and faxes, and providing proof of the closure and providing the " Final Decree '', and requesting they report our mortgage account to the credit bureaus.Again no avail. On phone calls, they simply state that they will " NEVER '' report our account to the bureaus. 

My wife and I fell into hard times during the Real Estate debacle XX/XX/XXXX. We filed for CH XXXX Reorganization to save our house and to hopefully begin to rebuild our credit. Now 6 1/2 years later, they refuse to report our impeccable payment history as required by the FCRA and Bankruptcy Rules. 

This is not a frivolous matter, and their refusal and inaccuracy is robbing us of the ability to gain any credit, which is the life blood of every single consumer. We ask that you assist us with this matter. Below is the Company/Account information. 

Statebridge Company - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX ( XXXX ) XXXX XXXX # XXXX : XXXX and XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX AZ XXXX / Loan # XXXXThank you sincerely, XXXX and XXXX XXXXXXXXXXXX : Final XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: the reverse mortgage lender ( reverse mortgage solutions inc ) provides a procedure for the struggling homeowners to short-sale their property. ( short-sale letter exh XXXX ) stating that " Once the process begins, an associate will review your application and contact you within 5 business days to discuss next steps. '' FHA 's parent agency, the U.S. Department of Housing and Urban Development, also has guidelines for lenders handling short sales. we have submitted a complete short-sale package both by fax and email on XXXX XXXX, 2015 ( see exh XXXX ) only to be told that the package was lost by the lender. 
we have resubmitted that package on XXXX XXXX, 2015 ( see exh XXXX ) of which the receipt was acknowledged by the lender. 

despite the clear short-sale guidelines by the lender and XXXX XXXX Department of Housing and Urban Development the lender is not responding to short-sale requests and seems to be purposely dragging the process unnecessarily and causing the home-owner, who is a XXXX citizen, additional financial and emotional hardship. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a similar name and keep having their stuff on my reports! 

Company response: Company chooses not to provide a public response
Consumer complaint: This summer I started the process of refinancing my home with Bank of America to lower the monthly payment. 
When I initially spoke to the loan officer, around XXXX XXXX, 2015 the discussion of the configuration of my home was discussed, that there was a guest suite in the lower level of the home. A friend of mine is staying there at this time. There was no discussion that this would be a problem. 

After I satisfied numerous concerns that were raised as to income, insurance etc. there was a call XXXX asking for a charge card so an appraisal could be done. At this point the only concern The loan officer addressed was that the house would appraise at least {$180000.00}. At this point there was no mention of any problems. The fee charged on XXXX XXXX was {$460.00}. 

After the appraisal was completed, I was asked to provide another letter of explanation for XXXX items. After I provided these I did not hear from the loan officer until I contacted him on XXXX XXXX to ask the status of the loan. When he contacted me he stated he had made multiple attempts on getting an update, there was nothing left remaining on my file. He was to double check. 

On XXXX XXXX late in the afternoon I received a call stating that the underwriter had refused the loan because there was a kitchen on the lower level. This was the first time this issue had been raised. This is a fairly common configuration in houses in this area. 

Needless to say I am concerned about the money I have invested in the appraisal of this property and would like to address my dissatisfaction with the way this matter has been handled. If this loan does not go through I would like to be reimbursed for this expense. 

Company response: Company chooses not to provide a public response
Consumer complaint: l received material in the mail for a Bank of America credit card. I dialed XXXX to apply. Gave all my information, was told I was approved. After a week had not received a card so I called XXXX, gave my social security # ( because I didnt have a card # yet ) and was told a letter was mailed the day after I applied. I have not received that either. 

Company response: Company chooses not to provide a public response
Consumer complaint: A service of loan forgiveness which I believe to be a scam took out XXXX dollars in my checking account and I didnt have any funds ... therefore the bank added n additional XXXX dollar insufficient funds overdraft fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: My ex-wife made balance transfers to her individual accounts in excess of {$5000.00} on XXXX of my credit cards during the six month period before commencing an action for divorce based upon NY provision that the relationship was irretrievably broken for six months prior to filing the action. These amounts have been charged off on my credit reports and my credit is ruined. I am unable to refinance my property awarded me through NY equitable distribution as a result of these balance transfers. The bank involved says that she was an authorized user on the credit cards, and that I benefitted from the transfers. Does n't the bank involved require my notification before allowing such large transfers to another credit card or issuing a direct check to the authorized user? 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX to XXXX phone calls a day XXXX days a week 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a XXXX account being reported on my credit report that does not belong to me. I have disputed this account with XXXX and received a letter from them stating that I did not authorize to be added on this joint account XXXX and should no longer be reported on my credit. I have forwarded this information to Experian to have it removed and they performed an investigation witch did not remove it from my credit report. 
XXXX Inquires from XXXX were removed but not the derogatory account. 

Company response: Company chooses not to provide a public response
Consumer complaint: While checking my credit report, I noticed unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/2015, on XXXX.I did not authorize anyone employed by XXXX initiate an inquiry on my behalf.XXXX has seriously violated my privacy Act and FCRA Sction 16:1b ( c ) .I personally contacted XXXX to informally resolve this matter but they denied my request without any evidence allegedly that I made the applications on line. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a debt with a company that my ex wife works for. I also currently have a garnishment order in place through my employer for the debt. I found out by checking my account balance that the company she works for has garnished my hsa ( health savings account ) which is an exempt account for the debt. My ex wife is the only person that knows about that account since I use it to pay our children 's medical bills. I called the medical facility and was told that she was given account information and receipts of my medical payments. This is a violation of fdcpa procedures and a violation of my privacy to use personal information to obtain payments for my debt. This is not the first time my information has been acquired either. I have also obtained new phone numbers since my debt has been with her company and she has obtained the phone numbers without me providing them to her. My personal information is being shared throughout her agency. I have called and complained already regarding the phone numbers she obtained with no resolve. None of my garnishment paperwork shows anything about my hsa account either. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: The AARGON AGNCY  has been paid and closed
Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There is a XXXX account being reported on my credit report that does not belong to me. I have disputed this account with XXXX and received a letter from them stating that I did not authorize to be added on this joint account XXXX and should no longer be reported on my credit. I have forwarded this information to TransUnion to have it removed and they performed an investigation witch did not remove it from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Some one used my name and social security number yo open up a light bill at an address I never lived at 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: My daughter XXXX XXXX is being listed as my spouse on my credit report. She is my daughter and not my spouse. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX card agreed to remove fraudulent account information then 4 months later started reporting again and sold the debt to a collection agency. A complete identity theft report has been mailed to both companies by certified mail. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Barclay card agreed to remove fraudulent account information then 4 months later started reporting again and sold the debt to a collection agency. A complete identity theft report has been mailed to both companies by certified mail. 

Company response: Company chooses not to provide a public response
Consumer complaint: Conituous calls to collect debt that is over card limit? I am current on payments and have NEVER been late for tha past ten years. But they call from " Collections '' asking how I can resovle my debt. I ask am I late? Did I miss a payment? The answer is no " But '' its over the limit and want to know if i want to make a plan or arrangements to get the amount below the allowed credit limit? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was admitted to XXXX XXXX XXXX XXXX in XXXX, IL. They provided a grant which paid for the length of my stay including doctors visits and test as well as room and board, but individual doctors have sent arbitrary amounts to collection agencies. I now owe {$2500.00} in medical bills I was unaware of. The culprits XXXX XXXX XXXX XXXX, {$210.00} ; XXXX XXXX XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX $ XXXXConsent to publish the description of what happened? 
Consent providedWhat do you think would be a fair resolution to your issue? 

I think these companies should have given me an opportunity to make payments such as the XXXX companies. The docotors listed are clearly engaged in predatory billing practices when XXXX XXXX XXXX awarded me a grant for the stay XXXX. I want my credit restored it is all medical bills and every single company listed will not work with me, nor settle on terms. I need a help I am a struggling student with only medical debt, and I can not take out any loans to complete my education without these taken off my report. I ahve not been reckless and I have not lived beyond my means. PLEASE HELP. 

Company response: Company chooses not to provide a public response