AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I was in XXXX which I have easily proven - it caused me to fall behind on my accounts. My credit card and ck-ing account were tapped out ; yet, I kept up my payments like clock work. When I mailed a postal money order to my local branch, they much later informed me that their post office box was robbed. Leaving me out $ XXXX, which would have made me in the positive with the ch-ing account and a credit card payment made. I went around in circles with them and the post office over the matter. The post office gave me a form that both me and the bank were supposed to sign in order for the post office to refund the money to me. They apparently refused to corroborate. I can not afford any more games or time in this matter. I will, at this time, submit proving I bought and payed for a money with the banks information placed in the right place and mailed to them in a timely fashion. I 'll also leave my contact information looking forward to hearing from someone soon. I have been a member of this bank before they bought out the other credit union they replaced. The bank is Navy Federal Credit Union located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX basic number is ( XXXX ) XXXX. The lady who did me dirty is called XXXX. I live at XXXX XXXX XXXX XXXX Ca. XXXX, and my phone number is XXXX XXXX XXXX XXXX. My e-mail is XXXXXXXXXXXX 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Santander Bank 's lack of transparency and customer service is detrimental to the consumer. Specifically, the information provided on my money market account lacked accuracy and timeliness. The interest rate, which I understand can be changed at anytime, is not communicated until the monthly statement is released and in this instance it was incorrect. As such, the first communication of the rate appears on the monthly statement. Since I am able to calculate daily interest rates myself, I monitor the account on a regular basis. From XXXX XXXX to XXXX XXXX, I noted a change in the interest rate. I phoned the branch and they told me the rate was reduced XXXX % ( from 1.25 % to .75 % ). They could not tell me the actual date. That same afternoon, I phoned their customer service. I spoke with XXXX XXXX, who told me the statement was produced on XXXX XXXX but was not yet available online. He expected it the next day and agreed to call me the next morning. On XXXX XXXX, when I did not hear from XXXX XXXX, I telephoned the service center and spoke with XXXX XXXX. She told me the statement was produced and the rate appearing on it was 1.25 % ( how could this be if the rate had been changed to .75 %? ). XXXX XXXX, during our conversation, told me she was having a problem with her computer and would call me back in five minutes. She never called back. Several hours later, I called the branch ( XXXX XXXX XXXX ), expressing my anger and disappointment and stating I needed to hear from someone in authority at the executive offices. I have not. Bottom line, one would be over one month in arrears in knowing actually what they are earning on their funds. This is good for the bank but unfair to the customer. Santander should update the account website with the interest rate being earned. They already show a vast amount of other pertinent data. One could conclude they do not want the customer to know. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Investors Bank, XXXX XXXX, XXXX NJ has continued to mail banking statements, XXXX Tax forms - to a former address despite my repeated requests. 
I have called their customer service line. I have met with the branch manager. I have met with the assistant branch manager. They have copied my license three times in the past seven months and assured me that they have corrected it ; yet they continue to send banking statements to an address that has been invalid for 2 years. 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted a request to review a Federal Tax Lien on my credit report. All other credit reporting agencies have removed this from my credit report except TransUnion. I called the XXXX and received a release document, and asked that TransUnion follow up and remove this information. They claimed to have done an investigation, and " VERIFIED '' the information as good, no change. This is wrong. I am attaching documents to show that this tax lien was released in XXXX of 2015. TransUnion REFUSES to remove this from my credit report, and I am filing a complaint against them for failing to do so. TransUnion should have been able to verify as easily as I did with the XXXX, and I do n't believe they verified anything at all, they took the entire 30 days to come back and tell me it was verified. They ought to be sanctioned ... .. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am receiving harassing calls from XXXX which claims to be Contract Callers, a debt collection agency. They say I owe XXXX XXXX over {$2000.00} and they want me to make a payment. I have a XXXX XXXX account and my limit is XXXX what they say I owe and I pay my XXXX XXXX card minimum payment every month. Furthermore, I check on my credit report every month using XXXX XXXX and there is no such outstanding debit. 

Please help me. They are calling my cell phone while I am working. How can I stop these harassing calls? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have XXXX items on my credit report Trans Union refuses to investigate Chapter XXXX bankruptcy account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed this Bankruptcy information previously and it could n't be verified and was removed from my credit file, I see it has been added back on to my credit file. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received letter from Maury Cobb Attorney At Law LLC- trying to collect a debt. That is not our debt, called them to let them know that the person to which debt belongs to does not live here nor has never lived here. They did not let me explain this and they hung up the phone on me, I tried to call them again to explain and was hung up on again. The Letter is addressed to XXXX XXXX which is my husband 's name XXXX XXXX but he is XXXX, the debt is for XXXX XXXX XXXX. When we first received a letter from XXXX to whom the debt is with. We called them to inform them that the Debt was for XXXX XXXX XXXX, who has never lived at this address, to please correct there records. Please Help me with this matter for obviously the staff at the Law Office was very rude and did n't let me explain this. I did n't want to speak about the debt for this is not our business, just to let them know that this person does not live here and has never lived here, They need to stop sending this letters to my home. I received the letter on XXXX/XXXX/2016 and called them this same day. If you would like I can e-mail or fax the letter to you. 
Thank You 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Experian REFUSED to provide me a credit report for a declined loan based upon credit information Experian proved to the lender ( XXXX XXXX XXXX/XXXX/2015 ) 

Company response: Company chooses not to provide a public response
Consumer complaint: Summary of XXXX complaints against Experian that had harmed me by not not fixing credit mistakes delaying my mortgage process : 1. Inaction on a letter of correction for 12 days, 2. XXXX representatives gave me misinformation that this had been corrected, 3. On the XXXX day, the XXXX representative, finally verified the information, however refused to expedite the process of correction, further harming me by delaying the mortgage process by up to 3 more business days. On a further note, I asked to speak to a supervisor or manager to inform them of this complaint and possibly have this issue resolved before hanging up the phone. I was told I was being transferred to a live supervisor, but got a voicemail and I did leave a detailed message with my contact information. 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2012 I filed with the court a Notice of Intent to Defend, Response to Admissions, and a Response to Complaint on a Contract with Gemini Capital Group, LLC with XXXX XXXX XXXX as their Attorney. I never received any further communication after my Response to the complaint. My situation still has not changed and has in fact become worse. I have no checking account and own nothing. I am currently on assistance. I received a letter saying that I remain indebted to this company still, for an even larger amount. I feel like this company has already caused me hardship in the past by harassing me about this said debt and I would like them to stop. This supposed debt is from over 7 years ago. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We sold our house and paid off a second loan to Wells Fargo and although our loan was current and previous statements from them stated a zero balance due after each payment, they took {$2500.00}. in excess of the payoff amount. I feel they saw all the money coming in from the sale and decided to grab some extra. They could not provide a detailed explaination for this other than " interest is paid forward '' I want them to refund my money and want to stop them from this behavior. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am filing a complaint because Transuion has ignored my request to provide me with the documents their company has on file used to verify the accounts I disputed. My dispute has extended past the 30 day mark without Transunion verifying these accounts. Under section XXXX XXXX XXXX ) ( A ) of the FCRA - They are required to ... '' promptly delete all information which can not be verified. '' This matter is prohibiting me from obtaining credit. Please resolve this matter as soon as possible. Thank you 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I attempted to make a flight ticket purchase on XXXX website. This attempt was made on XXXX XXXX, 2016 around XXXX. The company requested an authorization, however given that they could not fullfil my request they advised that the card was never charged. I confirmed the same on a phone conversation with a representative from XXXX on XXXX XXXX, 2016. When looking at my US Bank account I see that on XXXX/XXXX/2016 a charge in the amount of XXXX XXXX was made and an immediate credit provided for the exact same amount of XXXX XXXX. However US Bank charged my account {$310.00} and credited {$310.00}. They also charged me a foreign transaction fee that they subsequently reversed on my request. When asked for explanation and refund of the missing {$2.00} I was told that I need to ask XXXX as to why they credited my account with a lower amount. Fact is that the account was charged and credited with the same amount of XXXX XXXX. Since the attempted purchase was made on a Friday afternoon, after the XXXX stocks were closed there was no reason why the XXXX transaction should vary in the amount of charge and credit. The fact that US Bank processed the charge and credit on XXXX XXXX, 2016 should also not affect in any way the amount of charges and credit and the account should zero out. There should be no amount owed on the account either way. Please request that US Bank properly process the transaction and credit back the complete amount. Thank you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was recently approved for a Navy Fedral Credit Union credit card in combination with my checking and savings account that I have with NFCU. I needed to pay a few bills and I was in between pay cycles at my job and I decided to use a portion of my line of credit to have cash ( {$1000.00} to be exact ) transferred from my credit card into my checking account online through my NFCU online account on XX/XX/XXXX. As I went to the bank to withdraw the funds I went to the drive through and presented my Drivers License and asked to have the funds withdrawn which was when I was told that I needed to come inside the bank branch and show my Driver 's License, Proof of Residence and proof of my Social Securtiy Card. I was of course shocked to discover this so I called the bank and provided my verbal password and confirmed my phone PIN with the phone bank rep. I explained to the banker that I had every document to send except my Social Security card including my XX/XX/XXXX XXXX 's the banker explained that it could not be accepted and the only option I had was to show my Social Security Card. The banker also explained that in addition to sending my documents that I would have to wait 24-48 bus hours for them to be reviewed, despite the weekend approaching. Therefore I was forced to take time off of work and go to my local Social Security Adminstration office to apply for a replacement card since I could not locate my original card. Considering the fact, that I am a Fraud Manager at another financial institution and I am familliar with fraud security and fraud proccesses, however there was ABSOLUTELY NO willingness to help a customer in need. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I disputed XXXX negative items on my credit and XXXX of the items I only disputed the late payments on. Instead of investigating the late payments, TransUnion removed the entire account when that was NOT what I had asked for. In addition to that, when I asked for them to reinsert the accounts, my letters were ignored. This is my XXXX letter that i am sending them. Not only that but XXXX account was disputed in error on my end and they removed it. Once I let them know about the error, they did not reinsert the account and refused to respond to my correspondence or reinsert the item. 

Company response: Company chooses not to provide a public response
Consumer complaint: On or about XXXX XXXX, 2015, I received a call from someone identifying himself as being from the Bank of America fraud investigation department, inquiring about some " suspicious '' charges to my account. He asked if I had used my debit card in California or knew anyone there, or if anyone else had access to my banking credentials. I told him that I did n't know anyone in California and did n't believe anyone had access to my account, but that it was possible my father did XXXX I later confirmed that he did not ). I then clarified to say my father had my account and routing number to facilitate transfers into my account. He said there were some suspicious charges on my account and that he " did n't like my answers '' and because of that, he was immediately closing my account. When I asked why, he replied " I do n't have to give you a reason ''. That was it. 
On XXXX XXXX, I went to the local BoA branch to try to find out what happened. They printed out a list of all of my activity from the previous three months. I noted that there were XXXX transactions in the amount of either {$1.00} or {$1.00}, all occurring on XXXX XXXX. They were all clearly marked as " XXXX '' and showed a billing address in California. I did in fact make those donations to a XXXX broadcaster that I follow during one of their live feeds. Obviously, those were the transactions that their investigator was calling about, but he never mentioned XXXX or the amounts and since I did not know that XXXX was located in California, I did not make the connection. 
I also learned during my visit to the branch on the XXXX that my account was flagged in such a way that I was not allowed to open another account at Bank of America and I have since learned that his report could prevent me from opening accounts at ANY bank. 
I did nothing wrong or even suspicious. I was called out of the blue, awoken by one of BoA 's inadequately trained investigators asking vague questions, who made a snap and incorrect judgment. I was then told that he did not have to give his reasons or any justification at all for his decision. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This is Not A Duplicate, XXXX XXXX I Lost My Wallet With My Bank Information In It! I reported It As Soon as I Gotten Home! Navy Federal Did Not Close My Account! On The XXXX Of XXXX {$5000.00} Dollars Was Deposited in My Account and When They Took The {$5000.00} They Took My Income tax Money from Checking and Savings Checking Navy Federal said {$570.00} They Supposed To Have Send Me and Still Have n't Receive Yet! They Have n't Credited Me With The {$1500.00} I Had In My Saving! I 'm Not Satisfied at All. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was hit with an nsf fee and my bank ledger shows when XXXX $ posted the ending balance was XXXX $ available. I usually get q notice to transfer funds and never received anything to say my balance is low. I was not notified of the fee until the day after it posted. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I 'm getting numerous threats from Wells Fargo dealer svc improper credit reporting they call XXXX times day from XXXX XXXX XXXX XXXX this want stop I sent them over {$2000.00} they have sent XXXX wreckers they have left business cards in my mail box like detective cards with out stamp they have tried too cut lock on the gate with no tress passing sign they will not stop there wanting {$2000.00} more how 's that impossible late fees collection fees I have asked them too cease and decease they want they have made threats there going too have wrecker driver attack me wow I ran them off filed with attorney general office 5 times they call my wife threaten her at work they called me last night XXXX XXXX said they call when they dam good and ready I turned that phone number over too ag office I asked them too stop reportIing inaccurate reporting on my credit bearu XXXX days late what it shows I have not hade it XXXX days I hade too hire credit repair too help me I want this too stop thanks and threats 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Dear CFPB ... .My complaint is with Cardinal Financial Lending , XXXX XXXX XXXX or Sebonic Financial ... XXXX XXXX ... after applying to this lender for refinancing a mortgage I decided to cancel the loan. The loan was not paid off and did not close. When looking at my bank statement, XXXX I found they charged my account an " Expedited Payoff Service Fee '' without my permission on XXXX/XXXX/16 and XXXX/XXXX/16 ... {$30.00} each time ... they could have gotten this info for free but because they " Expedited '' it I was charged {$30.00}. This was done without my permission and I am requesting a refund of these charges ... thank you for your help ... XXXX XXXX, XXXX, CA. XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am sick and tired of getting credit card, loan, and insurance mail from USAA. I 've called these XXXX and told them I 'm not interested in there products, but I still keep getting mail from them. I want it stopped. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I submitted a complaint to CFPB about Bank of America and the response I got from them had nothing to do with what my complaint was about. So I am submitting a new complaint in the hopes that this time B of A will address my complaint. On XXXX XXXX I deposited a cashiers check for {$7500.00} in my checking account. When I asked the teller when the check would clear she said it would CLEAR the next day. I went back the next day and took {$4500.00} out of the account on the information that the teller had given me that the check would have CLEARED by then. On XXXX XXXX the bank informed me that the cashiers check was fake and that they are holding me responsible for the money spent. It was never explained to me that even though I was told that the check had cleared that there could still be a problem with the check. That it could take days for it to actually clear. I should not be held responsible for the money that was lost on the fake check. This is the bank teller 's fault for not explaining the process to me and for telling me that the check had cleared and allowing me to withdraw money on it. 

Company response: Company chooses not to provide a public response
Consumer complaint: My home loan was sold to a debt collector. From XXXX home loans to Select Portfolio Services. I have great credit and have NEVER missed a payment. Sps does not do any refinancing or loan modification. I ca n't take advantage of getting relief in any form unless I become sell my home for less or become delinquent. 
Since the home is underwater no leanding institutions will assist me. Not XXXX, HARP, HAMP, XXXX XXXX, MY BANK or any XXXX BANKS. 
I was never given the opportunity to search for a new lender nor did I sign any paper work. 
Is this legal? 
I feel like a prisoner with good credit history and it 's unfair, immoral and unjust. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX was the original file #. This company continues to give me inappropriate information and management has made promises that they never follow through with after the call has ended. They have continually put errors and have damaged my credit due to errors in their system. They claim I am entering incorrect bank account # in the system which is causing payments to be returned. I am attaching information to support the information has been valid. There were 2 payments taken out for XX/XX/XXXX payment. This would have been impossible if the information was not entered correctly. I would like for my credit report to be corrected asap. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am in the process of purchasing a home. I am actually in escrow. My credit was pulled XX/XX/XXXX and I was suppose to sign docs today until this company placed an unknown account on my credit. 
I was never contacted by them via phone or mail. 

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