AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: In XXXX I signed up for a XXXX XXXX XXXX credit card from US Bank. I met the minimum spend but was not awarded the bonus points on a technicality that it was met on my Husbands Authorized users card. US Bank has a convoluted system where they have a central billing system, and the XXXX account and primary account are separate. Their terms do state that the sped must be met on the primary account holders account, but their system is so confusing that most people would believe that the primary account included authorized users, which it does not with them. They really confuse their customers with this system, and even though they received my business and my spend they refuse to award me the points that i deserve by meeting the minimum spend. I think it is unfair that they do not explicitly state these terms so that their customers understand their system, and their requirements to earn these points they offer to get new business accounts. It is an unfair practice that needs to be changed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I reviewed and signed a final finance approval document on XXXX/XXXX/16. This is for a 30 year home loan with a 15 % down payment. The document includes the interest rate ( 4.625 % ) and points charge ( {$110.00} ). 
I was contacted by phone after they received the signed document and told that the points charge would be over {$2500.00}. I disputed this and was told that they 'd look into it. The next day I was told that the points charge I signed off on was incorrect. I was given an option to pay over {$1600.00} for points if I want to put 15 % down. My other option is to put down 20 % and pay {$590.00} as a points charge. They are willing to deduct {$590.00} if I choose either option. 
I was given an incorrect estimate from the beginning. These numbers are mainly what I used to decide to move forward with the deal. 
I understand that some closing costs can change before signing off, but I already signed a final approval document. I feel that I should pay based on the signed documentation. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I received a call from a company called Gatestone. I initially ignored the call because I had no debt but decided to call them back the second time. They asked for my current address and prior address ( since I just moved ) which did not match their records and last XXXX digit of my SSN ( which they asked for and which I should not have given ). They then said it was for an XXXX CC I was a secondary for but I told them that I am not a secondary for any credit card or loan. They gave me the last XXXX digits of the supposed card and I confirmed with them I had no such account. They said they will then delete the my contact details ( work and cell numbers - which they used to call me ) from the account. I called them back because I decided to call XXXX and I did not recall the last XXXX digits of the account they said I had. I was able to talk to the agent assigned to my case and he provided the last XXXX digits. Note, that I had no issues calling this company and getting someone on the phone in the two instances I called them. 

I called XXXX and they confirmed that I have no account ending with the XXXX digits in all my current and prior accounts with them and that they do not work with such debt collection company. They also said that they call their customers directly about unpaid balances and do not go straight to a collection agency. 

I tried to call the company back and let them know about my conversation with XXXX and suddenly unlike prior instances, my call went into voicemail for the " XXXX XXXX Department ''. This never happened in the two other times I called them and I called during office hours. I left a voicemail anyway indicating that I have talked to XXXX. Now, I am worried because they have my cell, work numbers, my current address and last XXXX digits of my SSN and I am now wondering if they created this phantom debt or bogus account digits for a debt supposedly I have to get personal information. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have power of attorney on my mother 's charge card, # XXXX, and am on my mother 's checking and savings accounts. The branch at XXXX XXXX XXXX, XXXX XXXX, XXXX, Bank of America adamantly refused many times to let me be added on my mother 's accounts. 
In XXXX I went in again and asked XXXX XXXX, personal banker and XXXX XXXX, Asst Mgr to let me move the points over from my mother 's charge card ( approx. XXXX ), worth about $ XXXX to my mother 's checking account and they adamantly refused. In fact, the Asst Mgr said I should have my sister just do it as she is a joint on the charge card but she does not have access to the checking account. My mother lives in an XXXX and has XXXX issues. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a ongoing problem from previously reports I 've filed with CFPB. It has not bee completely resolved. SLS would respond that they have satisfactorily resolve the issues. NOT Yet! 
I received a letter from Specialized Loan Servicing , LLC on XXXX, that my home was recorded on XXXX and that SLS is processing the {$10000.00} relocation assistance and documents would be sent to the credit bureau to show the Deed in Lieu was satisfied and check would be mailed out ( see attached letter dated XXXX ), I 've contact SLS again on XXXX, XXXX says check in process stage to call back. On XXXX called back, says call the XXXX dept. Left message on their voice mail, no response. On XXXX, XXXX and XXXX, left messages on vm of XXXX dept. no response. Sent email as well, still no response. On XXXX talked linda in loss mitigation dept says need XXXX and relocation assistance will be sent out. On XXXX, talked to XXXX says XXXX recvd, he sent an email to XXXX. On XXXX, XXXX called and ststed chec will be mailed out on Monday, XXXX by XXXX and should recvd by Wed, XXXX. Stated was mailed to wrong address. On XXXX, XXXX provided track # of XXXX. I checked with XXXX and this tracking # was for XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. My name and address was not on the document. I asked to speak to XXXX, agent says no one assigned to file. I asked to speak to sup and XXXX # XXXX says they were closed on Monday, XXXX and relocation assistance should be mailed today. Call him back this afternoon and he should have new tracking number. 
As you can see, I 'm being put off and being told a continued lie that relocation assistance will be mailed. SLS has even provided me with incorrect tracking information. 
This is a ongoing problem since XXXX. 
I 'm asking again, that SLS mail me the {$10000.00} relocation assistance that was promised and to send in the documents to all XXXX credit bureaus that the Deed in Lieu mortgage is satisfied. I have sent the information to the credit bureau, and the credit bureaus are telling me they can not change the information, because SLS is telling they the current balance is correct. I 've sent in the documents from SLS showing the " mortgage is satisfied '' and there records should reflect this. I 've asked the credit bureaus who is providing incorrect information, and did they receive the documents, they replied, yes! They told me that I must contact SLS to have this corrected. I will be contacting SLS today and having them to provide me the names of the person ( s ) who 's providing incorrect information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was refused a PayDay loan because they have me listed as On Active Duty in the Military. See attachment. But I am a CIVILIAN and I have never been in the Military. I am XXXX years old. How in the world did I get listed as being in the Military? 
How can I get OFF this List of being On Active Duty in the Military. 
ASAP please!!! 
Thank you! 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I have gotten several calls from this telephone number XXXX. In addition to all of the calls I have gotten, my family has also gotten these calls as well. Once I returned the call, I was not given any type of debt collection disclosure, just told by the person answering the phone they were the secretary and they would have to connect me to the person that called me. Once I was connected, I was then asked several questions and I asked several more times who they were and why they were calling. I was told I owe {$7000.00} and that the person who answered talked to my family and stated " was told by your sister you commit fraud '', " There will be a police officer sent to your job '' and that I " ony had until XXXX tomorrow to have this resolved. '' I work in the XXXX and am taught the importance of the CFPB and Fair Debt Collection, and this behavior is completely unacceptable. 

Company response: Company chooses not to provide a public response
Consumer complaint: BofA card. Booked flight 0nXXXX/XXXX online. Recieved call from BofA fraud to check charge. Confirmed all of my info. Was told everything checked out. Recieved itinerary from airline. Checked card balance on XXXX. Balance was short airline charge. I called BofA to find out why and I was told they declined the charge. My credit rating is excellent, and I carry a very low balance ( balance was {$300.00} dollars at time of booking. Credit limit of {$8000.00}. ) But they approved the charge from the internet booking company for {$12.00}. I then needed to rebook my trip, and the cheapest flights we could find were {$300.00} more than previous. Flights were rebooked on my wifes credit card, as we no longer trust BofA. BofA is directly responsible for this charge, but they refuse to pay. Card was cancelled on XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Suntrust Bank has held {$45000.00} in a ledger account and went on notice approximately XXXX XXXX, 2015. There was unlawfully holding funds they were not entitled to. Again two times the same thing happened and on the third check Suntrust exposed themselves by transferring the funds back into my account. I had to retain counsel to protect my interest and was n't even given statutory interest ( 4.75 % ). Suntrust gave me .6 % today when they FINALLY released my funds today for {$45000.00}. Also my counsel took XXXX % because I was totally neglected by Suntrust with all my emails since XXXX 2015 until I had to teatime counsel XXXX 2015. I find this unethical on Suntrust 's behalf and counsel and unfair to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: bank of America issue me debit card with number, I was paying my bills with it, I got my wallet stolen at the lake, I call the bank an was issue a new card an anew number, XXXX came into my account on my first debit card number an took out XXXX which I did not owe that amount an I do not have a direct deposit with XXXX, how did the bank allow this on my new card number, i call a lawyer an he said that 's agood question I got some of my money back but XXXX took out a another month in a advanced payment an change my programming pkg, now I pay more for less tv, an XXXX told me on phone if I did n't give them the new code number on my debit card they would cut my service off, so I had to borrow money to get me thu till next payday, iam very upset with this bank an XXXX, i will be switching banks, merchants has more rights than me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Specialized Loan Servicing reported my debt as being 180 days past due in XXXX XXXX. However I was discharged in a Chapter XXXX bankruptcy in XXXX XXXX. This is in violation of of the Bankruptcy code. I have been approved for a HARP Tier 2 loan modification that will be finalized in XXXX XXXX. However it does not reaffirm the loan nor can they report to the credit bureaus. 

Company response: Company chooses not to provide a public response
Consumer complaint: I just got a letter from a collection agency saying I owe XXXX {$74.00} I called the collection agency who told me i need to straighten it out with XXXX. After over an hour on the phone with and talking to XXXX different CSR 's they all tell me they have no record of me ever having an account with them and there is nothing they can do. the collection agency told me they are scheduled to report this to the credit bureau within 30 days 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: This is the third time I 've typed this and it has disappeared. 
So briefly my husband died in XXXX 2013 and he was the only one on the loan. I contacted Wells Fargo and submitted all the paperwork for a loan modification because of hardship. They returned the paperwork stating that since the loan was not in my name I need complete the paperwork for a Non-qualifying Assumption. I did so as I recovered from XXXX XXXX XX/XX/XXXX. I then got all my paperwork back saying I missed the deadline by 9 days. They recieved my paperwork on XXXX. I was never told there was a deadline. I filled out the paperwork as quickly as I could. I then had to assume the loan with a credit qualifying assumption. At the time it was impossible. I would appreciate some help on the matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a phone message on XXXX/XXXX/2015 from Fairfax services tel # XXXX. They asked that I return their call to XXXX. I googled the name of the company which I discovered is a debt collector. The message stated that they are looking for whomever is handling the affairs of a named relative of mine who has been deceased for thirteen years now. I am also aware that all that person 's debts were cancelled upon their death with all creditors. Therefore, I am shocked that someone is harassing relatives to collect on debts of a deceased person thirteen years later. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: This company - they give different names when I ask who is this, the number they are calling from is XXXX this company continues to call my family members leaving threatening voice mail messages on my family members phone. I have called this company and informed them this was paid off and I provided the name of company and the contact information for the company this account was paid. This individual at the current company calling me stated that information was not sufficient, he was rude and I have asked them to stop calling my family members and myself. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: At approximately XXXX on XXXX XXXX, 2016 a company by the name of Capital Management Services called a family member and left a message that they were attempting to collect a debt and left a phone number of XXXX. When the family member returned the call to find out what this was about they asked if she was a relative - they named me - and asked if she lived with me and had a phone number for me. This company has placed calls to my cell phone so they are in possession of a means to contact me. This is an invasion of privacy as well as an attempt to humiliate and embarrass. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: As stated in the US Bank credit card terms and conditions a XXXX night award stay results in the XXXX night free. This is a benefit of the credit card and is available for those who pay the {$75.00} annual fee. I have been notified that this card benefit is going away in XXXX 2015. I have paid my annual renewal of {$75.00} and feel I am entitled to this stated benefit for the duration of the paid period. 

XXXX XXXX Visa XXXX XXXX XXXX Card Terms and Conditions : Complete terms and conditions are described in the Club XXXX Visa Cardmember Agreement and the Card Benefi t Program rules ( described inthe Benefi ts Guide ), which are provided to new cardmembers and are subject to change from time to time. 
XXXX Earning Points : For each dollar ( {$1.00} USD ) of eligible Net Purchases ( purchases minus credits and returns ), XXXX XXXX XXXX XXXX Visa Signature Cardmembers earn XXXX Points at any XXXX hotel. For each dollar ( {$1.00} USD ) of eligible Net Purchases, XXXX XXXX XXXX XXXX Visa Signature Cardmembers earn XXXX Points everywhere else Visa is accepted. 
XXXX Bonus Award Night : When you redeem Points for Award Nights of XXXX or more consecutive nights at the same XXXX XXXX hotel property, you will receive the last of the Award Nights of thatstay free without deduction of any Points from your XXXX XXXX account ( " Bonus Award Night '' ). Your Account must be open and in good standing. Your account must be open at time of redemptionto qualify for Bonus Award Nights ; any Award Night reservation made before your Account was open will need to be rebooked to qualify ( rebooking is subject to availability ). 
XXXX Renewal Bonus : Each year that you renew your Account by making at least the minimum payment by the due date printed on the Account statement in which the annual fee is billed, you willreceive a Renewal Bonus of XXXX Points. Please allow 6 to 8 weeks after the payment due date for your Renewal Bonus to appear in your XXXX XXXX account. 
XXXX XXXX reserves the right to add, modify or change the Terms of this Offer without notice. 
Please refer to your XXXX XXXX Visa Cardmember Agreement and the Card Benefi t Program rules as described in the Benefi ts Guide for the full terms and conditions of the Program rewards and benefi ts. 
The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from XXXX XXXX XXXX. 
XXXX XXXX XXXX 2014 XXXX XXXX XXXX XXXX and U.S. Bank National Association. All Rights Reserved. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015 I began disputing an inquiry from a company called XXXX XXXX on my experian credit report. I sent 2 letters to XXXX advising them that there was no need to pull my credit as such this inquiry they report to Experian was unauthorized. I also sent 2 letters to Experian regarding this and they have done absolutely nothing about this. I demand they remove this unauthorized inquiry off my credit report immediately. I am enclosing copies of letters I sent to both experian and XXXX with certified receipts as proof they received me correspondence. 

Company response: Company chooses not to provide a public response
Consumer complaint: You have helped us earlier in a related matter ( Case number : XXXX ). 
After your involvement, as well as a phone call from our Congresswoman, XXXX XXXX, Bank of america ultimately did not foreclose on my father-in law. 

However, every XX/XX/XXXX they raise his mortgage a few hundred dollars and my wife and I have to go through quite a bit of red tape to get this problem solved. My father-in-law died XX/XX/XXXX and my wife and I are in the process of selling this house and we are making the bi-monthly ( every two weeks ) payments in the mean time. 

This is all related to the previous problem of the foreclosure notices. Here are the details. 

My father-in-law has a bi-monthly mortgage he got from Countrywide. B of A subsequently acquired Countrywide -- B of A does not issue bi-monthly mortgages and their computers do not recognize them. B of A computers register the first payment of the month ( as being deficient ) and do n't register the second payment at all. This is what caused the foreclosure statements in 2013. 

B of A had no clue what was going on here -- I figured this out for them and although, with your help, they stopped the foreclosure they still have not updated their computers. As I have stated, though these are referred to a bi-monthly mortgages, the payments are actually every two weeks ( 26 payments a year not 24 ). B of A 's computers are not counting the two extra payments and every XX/XX/XXXX they say that escrow is short and raise the payments a few hundred dollars a payment -- every two weeks! 

Every year they say it 's because the taxes and insurance have gone up, which is true, the insurance goes up maybe {$20.00} and the taxes about {$50.00} but that does n't add up to an additional {$200.00} times 26 payments. 

So every year we have to go to the bank, have them get on the phone with the mortgage folks and painstaking point out to them their errors. When they finally figure out what 's going on they tell us that we will just have to come back every year to straighten things out. This year the mortgage folks passed us off to collections which is where B of A is now dealing with all of the Countrywide bi-monthly mortgages. 

When the foreclosure issue was initially resolved, I asked our branch VP how many people B of A had thrown out of there houses for this same accounting problem, she admitted " probably a lot ''. 

Please have B of A fix this issue. Better yet, put them out of business. They are not too big to fail. They are too big to conduct business in an efficient and lawful manner. 

Company response: Company chooses not to provide a public response
Consumer complaint: I reviewed my credit reports with XXXX, XXXX and Experian and found out that XXXX XXXX XXXX had been attempting to a collect a medical bill debt for {$880.00} against me. I never received a notice to dispute from the collector or original creditor. I sent a letter to XXXX XXXX XXXX on XXXX/XXXX/15 letting them know I dispute their claim under the FDCPA and am allowed to request validation from third party collection agencies. At the same time I sent the collector a letter requesting validation of the debt, I also notified all XXXX credit bureaus in writing that this information is inaccurate. 30 days later I have no debt validation from the collection agency and this information is still reporting on my credit reports and none of the reporting agencies will remove it per my requests. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a Bank of America money network account. I used my card at the ATM to deposit {$360.00} and it did not deposit the money. I called the Bank and told them the problem. They told me to fax over a dispute paper. I faxed it over and they told me that it would take up to ten business days. I sent it in on XX/XX/XXXX and it is now XX/XX/XXXX. I still have not received my money and now they are telling me to resubmit the dispute form and wait another possible ten days. 

Company response: Company chooses not to provide a public response
Consumer complaint: I cosigned a loan which was later settled. After settlement, the originator ( Access Group ) improperly put the account into collection multiple times. Collectors contacted my family members regarding the account. The collection account was put on my credit report. 
XXXX other Access Group accounts associated with the same student, which I did not cosign, were also improperly put into collection in my name and put on my credit report. 
I have been able to get the accounts removed from my credit report after informing the collection agencies, but these accounts should never have been put in collection or on my credit report in the first place. 

Company response: Company chooses not to provide a public response