AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Around XXXX CALLED WELLS FARGO @ XXXX, spoke to agent XXXX, regarding an overdraft charge on my account 's statement of XXXX 2016. I wanted to know why an overdraft fee was done when the balance, given for that day could more than cover the " overdraft '' she indicated to me that she could authorize a credit of {$3.00} and some cents, the system would only permit that amount and she could not do the entire amount. She explained to me that there were pending charges given XXXX XXXX, which she could see that were included making the account with a negative balance. I asked her if she could send me that info and she replied no because it was internal use. I ask to speak to a supervisor who would have authority to reimburse full amount and she politely saw to my request. The Supervisor XXXX gave her full name but I did n't record her last. She ask how could she help. I advised her I wanted a full refund because my statement does n't show in my estimation that an overdraft was needed, therefore no {$12.00} fee should be charged. She answered my question with the same info and explanation that XXXX gave me. I interrupted her to advise her of this. I ask her where is she seeing a negative balance? She replied the pending amounts, XXXX XXXX, which I realized were the posted amounts for XXXX XXXX, on my statement totaled that negative balance, therefore she would only authorize the same refund that XXXX indicated. When I stated that was unfair because these transactions were not on the XXXX but XXXX she stated that they were pending therefore valid for the XXXX. I stated to her you can see my statement has them on XXXX and I should be given a full refund at that point about XXXX, I said her name and got no response, I continued to say hello until I concluded I was disconnected there was no dial tone, just silence and no response from Supervisor XXXX approximately XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Hello, I have been in dispute with XXXX account on my Experian report, The accounts are as follows : XXXX XXXX XXXX XXXX # XXXX, XXXXI have filed a complaint with the CFPB regarding these account with no response from XXXX XXXX XXXX, I have attached the full communication between XXXX XXXX XXXX and myself. No validation has been provided and I want these accounts deleted from my file. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've been a member of USAA since I was a XXXX in 1988. I started banking with USAA about 5 years ago. My complaint is they charge {$25.00} overdraft fees even though I had sufficient funds available the day the transactions posted and were recorded on my on-line bank statement. I had XXXX OD fees of {$25.00} each charged in XX/XX/XXXX for transactions as low as {$3.00} and no more than {$37.00} and it was only a matter of hours before funds were available as deposits arrived the same day the fees posted on my account. This is a gross example of loan sharking. Transactions are authorized, posted and cleared in a manner that favors the banks and hurts the consumer and makes the bank money via fees. They should n't be allowed to charge {$25.00} to loan {$3.00} for a few hours. This is predatory lending at its worst. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Which address? 

The law says I have 30 days to respond and dispute a debt but I must mail the debt collector a dispute letter. 

In the collection letter XXXX of XXXX, AL there are XXXX different addresses on their letter, which XXXX do you use? 

If you do n't respond to the correct address the collection firm assumes the debt is valid. To protect yourself you must mail all three addresses. 

That is ridiculous. All debt collection agencies should be required to clearly print their name and address used to receive disputes printed using same font and size as the largest type used in the letter. 

Company response: Company chooses not to provide a public response
Consumer complaint: USAA offered a promotional balance transfer for 0 % for 12 months with XXXX transfer fee. The problems come with the way they are applying my payments. They are applying my payments only to previous statement charges. I made payments for new charges, but they applied them to my 0 % balance transfer balance from my previous statement instead of applying it to new purchases that were accruing interest, lowering my 0 % balance. Is this legal? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for an apartment at XXXX but my application was denied for an apartment. I received a letter stating I was not approved. The apartment complex is saying I owe administrative cost because I was approved and did not move in. I have forwarded the debt collector my letter where I was denied and they continue to try to collect and the apartment complex wo n't remove the debt either. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hello, I really was not sure which drop down to select. I have been getting a notice of intent of garnishment from a law firm. The debt is from 2007 and I believe it may be a credit card debt but I am not sure and I not really sure of the cost as it is not listed on the letter that I continue to receive. I am a single father with some major health issues and have had to receive food support from time to to get by. Can this company continue to collect and send me these notice of garnishment from a 2007 case? When I look up the case on public court website it says the debt was paid in 2007 and XXXX is owed. I just dont get it. Can you help me resolve this issue. I have XXXX and things like this does not only put additional stress on me but causes symptoms to react. I really want to know if they can continue to collect on this 2007 case?? I have attached several documents for your review. I have a lot of medical debt and cant afford for my paycheck to be garnished. It would bring great hardship to me. This debt could be from my previous marriage, I am not sure but I do know it is very old. Please review the documents provided. Thank you for your help if you can provide some. 

Company response: Company chooses not to provide a public response
Consumer complaint: I get this account bill to my house, I had Medicaid coverage, bring the bill to the department of Children and Family, send them a fax in XXXX occasions so that it will be settled, then no receive any information about this situation, checking my credit report I find this account, seeing it reported I contact with the company I explain the details of my medical coverage respond to what it was late because he had already reported that if could remove called before being a communication error between the hospital and the agency, requested delete it from my report I paid already the same, I not responsible for data error that did not occur correctly between companies at the right time. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have sent them a letter to ask them to prove to me that I owe this debt and they wrote back they spoke with the debtor but did not send me any proof of I owe this debt They sent me nothing at all to prove I owed this amount 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I have been with US Bank for over 13 years. I have both personal and business accounts with this bank. For sometime the bank would processes and update transaction at midnight and they would come through out bank account in the morning. Transaction included debits on our visa cards, credit charges on our visa cards, checks and returns from others deposits and banking fees. I could log into my account in the morning and if my account was over drawn I could transfer money to cover these items. within approximately the last 6 months that bank is n't timely processing our account transactions any more. It is very costly to us and incurring more fees because the our scatter among a day or two full days after the transaction was processed. Even using my visa card the items come in 2 days after. Returns from customers are showing up two to three days later, causing additional fees to our account. They seem to also be processing items all at the end of the day right at closing time, so as to not allow us anytime to cover anything and therefore cause additional banking fees to be able to be charge. I find this frustrating to say the least. I ca n't control some of this including the return deposits we get back however, now with the delayed processing of US Bank I ca n't transfer funds to cover these returns either because they do it at the very end of the day and then charge the fee. What happened? How can the processing change and delay two to three day without letting us know. How come they are not entering things as the use to once it clears over time and have it show up prior to business hours in the morning so we can transfer funds to cover theses items. This is just XXXX more of those banking scams that allow them to charge obsorbert fees and get away with. I should be able to relay on a processing schedule that has been followed for years and not be bounced around with these types of changes and without notice. 

Company response: Company chooses not to provide a public response
Consumer complaint: American Medical Collection Agency has called me at least 10 times a day, after I specifically asked them not do. They were very rude on the phone. This is regarding a {$92.00} debt from XXXX, that is incorrect. I told them that my insurance was not billed correctly ( they billed XXXX instead of XXXX insurances ) and that I was working on it with XXXX and thus was not going to pay it until the proper insurance went through. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I filed a law enforcement report as directed by both the CFPB and FTC, regarding several credit card accounts that were opened in my name. I sent a copy of the original police report, FTC ID theft report, Officers name and badge number and a sworn statement attesting that I did not authorize anyone to open the accounts and I would prosecute. The accounts currently being reported are XXXX XXXX XXXX, XXXX Bank XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. Additionally they reported a plethora of inqs. that do NOT belong to me and where listed in the report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Citibank Mortgage Services used a wrong address to order a credit report for my pre-approval application and sent the loan-related documents to the wrong address. I myself of course did not get the package. There is a high chance that the package is now in the hand of a bar/restaurant because I was asked to provide " a signed and dated letter of explanation indicating why your current address would be indicated as a Bar/Restaurant/Nightclub on your credit report. " I later confirmed that it was the mortgage agent who made a typo on the system. Now all my important personal data, including my social security no., is at risk of being misused. I reported the incident to the department and I am waiting to see what step they will take. It is so unacceptable that they made a mistake like that. Now only was my loan application gets a little bit delay, I will also have to find time to do the remedy and prevent any damage to my future credit score. I do n't see any reason why they have to list the whole ss # in the document. I do n't see why they have to do it by mailing. I do n't see why THEY DIDN '' T CONFIRM MY ADDRESS. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Bank of America informed me that my mortgage is not being serviced by Bank of America. This is after Bank of America told me I will have one point of contact. Bank of America told me that my mortgage will be handled by XXXX, XXXX. I 'm in the process of modifying my mortgage and do n't what do to do or who to call. Please help. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We filled out our bank 's short sale/ deed in lieu paperwork in XXXX. We received an offer from a potential buyer in XXXX. Our file has been coming in and out of gatekeeping with US Bank since XXXX XXXX, XXXX. Our attorney has called US Bank every business day from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and there has been no change in status. We believe that the lender delay is merely a tactic to increase the amount of the underlying arrearage so that US Bank may increase their fees. We wonder if US Bank has a record of this type of glacial processing. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Trans Union is not responding to any of my requests to investigate, verify and remove accounts from my credit file that do not belong to me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: After recently pulling my own credit report, I found that XXXX is showing I opened a credit card of {$250.00} with them in XXXX XXXX and charged off in XXXX XXXX. This is not true. It 's showing that I have a balance of {$380.00}. I want proof of this. If I did ever indeed have an account with them, I want documentation of the dates opened and charged off because I did not open or charge off any accounts during that time period. 

Company response: Company chooses not to provide a public response
Consumer complaint: Someone stole my identity and purchased phones from XXXX. In an out of state store. I have n't been out of state to purchase phones. 
This was a criminal act and I advised them of it. They still want me to report it to the police department. I do n't know when or where my identity was stolen to purchase these phones. If the company even took the chance to check to see if the person was actually me they would n't have sold the phones. They are messing up my credit with a {$1300.00} debt on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a XXXX account which was reported by TransUnion for {$540.00} on XXXX XXXX, XXXX. The current fees is {$550.00} from a citation processing center whick I know nothing about. However these collections were posted on my credit report on XXXX XXXX, XXXX. This is a serious matter that conflicts with my credit score. 

Company response: Company chooses not to provide a public response
Consumer complaint: Re : Our personal Escrow Account On XXXX XXXX, 2016 a new payment statement was issued by CITI Mortgage changing our monthly payment from {$970.00} to {$1100.00} beginning XXXX XXXX, 2016. CITI Mortgage indicated by their estimation only that the property tax will increase for this year of 2016. We feel the increase of a monthly payment of {$170.00} is unfounded by CITI Mortgage to cover an escrow deficit for this year of 2016. 
XXXX County of Michigan had mistakenly added {$800.00} to our summer tax valuation due to an address error. We have all of our mail delivered to the XXXX. XXXX. The mail for our tax statement was sent to our physical address. The post office returned the statement back to XXXX XXXX XXXX Department, implying that we did not live at this address. If the owner does not reside at a taxable residence, the summer taxable value is higher in XXXX County. We confirmed to the XXXX of XXXX and XXXX County that we are indeed living in our residence and always have throughout the duration of ownership. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I got an automated call from XXXX stating that it was American Credit Adjusters and that they had a case that was filed with them against me. I was advised that my attorney or I needed to send something to them within 24 hours. It stated that they were going to pursue charges against me and I 'd be served at either my home or place of employment. I was told to call XXXX and provider my case # of XXXX ( my case # is my parents landline # and I do n't have any dealings with their phone at all so I do n't know where they got that information from ). They called my parents and my aunt, I 'm not sure how they linked my aunt to me but they 've gone that far. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Diverse Funding bought a very old debt and placed a fake payment to re-age the debt. I have proof from my banking statements and institution as to when my last payment was. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an account set up with CreditKarma, and have for about 1 year. On XXXX XXXX 2016 at XXXX XXXX I received an email from XXXX Karma to my gmail that there had been a request to reroute my account to a new email address. It instructed me to respond if I had not made this request. I responded immediately that I had not. I received an automated reply stating that I would hear a response in 1-3 days. I attempted to log in to my account, but my password had been altered. When I attempted to retrieve the password by having the reset sent to my actual email address, the emails did not arrive. When I finally was able to access a part of their site to let me verify additional information for the password, the link was broken and would not submit. According to their forums, this is a common problem that many people have encountered. Later that day, I received a call from XXXX XXXX XXXX credit card online services asking if I had made an attempt to open a card. I had not, and told them that it was fraudulent. I then contacted the bureaus, froze my credit, and again attempted to contact CreditKarma. It was n't until nearly two days later that they sent me a basic email asking if XXXX was my email. It was not, it was the fraudulent email. They offered to freeze my account, however, offered no explanation as to how someone was able to gain access to my account, and reroute my emails, change my password, and collect my info. I was locked out of my own account, and they have no option to contact someone via phone or instant chat. The phone number listed for their site is for a line that has a recording. Their service is very slow, and even though it is a " free '' service, they are sitting on a lot of people 's very valuable personal information and owe consumers the ability to reach someone in an emergency situation. To be made aware of an attempt to change my email information, and be powerless to stop it makes no sense. I received the notification and was told to respond if I had not requested this, but in the 2 days it took them to respond, they already granted the criminal access and the ability to change my info. If I had been able to call a number or have an instant chat, I could verify my info. Their security is very lacking for a site with as much personal information as they gather. It is concerning that they offer no way to escalate or triage issues that are very urgent, and can lock the user from their own information while allowing thieves to collect it and use at their will. They need some mechanism to correct this, and their very slow emails are not adequate to protect the amount of information that they have in their database. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX ' trees down in yard. tore down electrical, cut up about 60 % of trees that were XXXX % left to be cutup. wind damage and blew down fence on North side of property. trees knocked and blew down XXXX ' XXXX and gate and destroyed. damaged XXXX tarps covering boats on property with electricity off water pipes froze and broke in apartment - ruined carpet. tried to heat inside of apartment with kerosene heater. painting in process. holding check for itemized items from insurance adjuster to fit their needs 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a victim of Identity theft XXXX Police Number XXXX I submitted in my police report that was taken by a police officer and provided it to all XXXX credit bureaus as it relates to XXXX XXXX Account Number XXXX.The account was removed however a collection agency placed themselves on my credit and the credit bureau nor the collection agency has failed to remove the fraudulent account from my credit. I was not contacted by the collection agency but I have contacted them and they continue to ignore me and report the account. XXXX XXXX XXXX Account Number XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I took out a private student loan from XXXX in 2006. My original balance was around {$13000.00}. Now XXXX XXXX owns my loan and telling me I owe about {$34000.00}. I do not feel this is right and I need help with this. I ca n't get in contact with XXXX XXXX to see where they came up with the figure. XXXX services the loan, which they take the payments, but send me this ridiculous paperwork of accruing hundreds to a thousand dollars of interest a month. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: all public liens were paid 

Company response: Company chooses not to provide a public response
Consumer complaint: Macy 's XXXX credit card was illegally scanned at a XXXX gas station, cloned and fraudulently used in NJ. The issuing bank failed to alert me and block my card for an unauthorized activity. I found out about fraudulent activity via accessing account online. I placed a call to Macy 's Fraud Department on XXXX/XXXX/XXXX to report fraudulent activity. Thereafter, I promptly filed a Statement of Fraud, which Macy 's received on XXXX/XXXX/XXXX. I followed up with a call to Macy 's on XXXX/XXXX/XXXX for the claim 's status update. A representative declined to provide any information, and refused to remove unauthorized charges from my account. As of XXXX/XXXX/XXXX, {$630.00} plus accrued interest show on my statement without any acknowledgment by Macy 's, nor claim 's status update. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: There is a paid collection from 2012 that i had an agreement with creditor to remove after final payment which never happened i faxed copies to all XXXX credit bureaus, they all deleted this collection from my file, transunion was the only agency to re add the collection back on my file after the investigation and deletion further dropping my credit score. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response