AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: To whom it may concern, I personally do not want USAA contacting me, but any other agency may. I myself have put many hours into these claims best illustrated here ) by XXXX XXXX co-policy holder ) and confirmed by myself XXXX XXXX, There is much more to this then I can write, I assure you we have witnesses to all events and claims we made with USAA BANK, CREDIT CARD, AUTO and RENTERS INSURANCE. Since end of 2011 I have put over XXXX hours of my life with all this starting with USAA BANK closing our bank account, and putting our credit card in collections, AFTER we not only proved to USAA that we were being idenity theft for several month stretch and finally someone came clean and we found the culprit, but USAA spent more time, lieing, denying then helping, and before this we paid our credit card on time paying more than owed monthly. And neither of us ever had any thing like idenity theft robbery or uncoathe banks like USAA before this. So it was a lot of learning and pain. We found out our banks were closed by trying to get gas, we were almost out and far from home. They also held on to our money for over a month. That was 4 years ago and started a ripple effect into our credit which swarms us today. There is so much more, so much more that my eyes roll, on XXXX, yes XXXX robberies and XXXX car accidents, Usaa never paid the full amounts, the things they promised, and from the XXXX robbery, I would have to say USAA caused these issues to, they made it easy for thieves, like in XXXX robbery, and XXXX we had people WE DID NOT KNOW AT TIME point out the robbers, and XXXX times a XXXX XXXX CREDIT CARD was talken and used. Usaa owes for so many policy things, they have refused to take calls for last two years when I asked why our last property they said we were getting XXXX and they sent XXXX, I started calling from day one, they even refused to return calls when I tried to send in depreciation reciepts, they refused to pay out on wages on XXXX incidents, they refused to help get a car which they promised they would from their auto-circle program after WHAT WE SUSPECT THEM illegally totaling our car and we had to end up getting XXXX whcih we had to pay over {$2500.00} down and over {$400.00} a month and over % 21 percent interest, all things that could been avoided like so many XXXX other things in past years if Usaa stopped hording money and acually doing what they are suppose, they have even denounnced CALIFORNIA AUTO INSURANCE INVESTIGATION which they had previous agreed with on several things like my veneers and wages and other things hey were to pay out but flattly refused. There were XXXX other hard core things USAA knew and didnt care. They opened up not only a credit worm hole, but they made it easy for thieves and caused us XXXX, oftenXXXX for long times, where we have lost out on family events, vacations, work oppurtunities, marketing money, we have lost all our valuables all our personal, things. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I never Received any Bill 's in the mail. And Medicaid should cover this. 

Company response: Company chooses not to provide a public response
Consumer complaint: Items purchased at a XXXX XXXX department store were charged to my credit account, by an individual unknown to me and, of course, not authorized by me. I notified XXXX XXXX as soon as I received the bill, and completed their fraud affidavit. They sent a copy of the transaction with a signature that is obviously not mine and claimed that they verified the transaction by calling my home telephone. I sent them a copy of the phone company XXXX XXXX XXXX transcripts of all calls coming to and from my phone number on the day of the charge showing no call to or from XXXX XXXX, but they have still denied my fraud claim and have reported the account as delinquent to at least Experian XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX someone broke into my car and stole my personal belongings, in which included my social security card and drivers license. With this information, they were able to authorize the following companies to make credit inquiries and or open up multiple service accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX all in XXXX, GA. I did not authorize these companies to put an inquiry on my credit account and would like these inquiries removed. As far as I know, the only account that was opened was with XXXX on XX/XX/XXXX and since then has been disputed. My ultimate goal is to be able to purchase/finance a car, but in order to do this I would like to first remove all unauthorized credit report inquiries. 

Company response: Company chooses not to provide a public response
Consumer complaint: ProCollect is reporting a debt of {$6400.00} which is also tied to a judgment on my credit report. The judgment is only for {$1900.00}. I have contacted ProCollect to try to handle the situation and they are very rude and hang up in my face. I sent of request for validation and XXXX has deleted ProCollect from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was advised that I was approved on Friday XXXX/XXXX/2015. I had to call back to provide my debit card number. I was assured I was approved on Friday and when I called back on Monday, I was again assured that the loan was approved. However, no funds were deposited on Monday XXXX/XXXX/2015. I asked for my bank balance and the loan was denied after giving my bank balance after underwriting was contacted. 1. My loan was approved on Friday. 2. My balance has nothing to do with an underwriters decision from Friday but denied today. 3. As a result of their actions, I am in deeper debit by - {$640.00}. 4. I asked why was n't I informed of this deicision before now? He had no comment. I asked for a review of this decision but I was denied. The manager refused to give me anything other than his first name : XXXX and stated he will send me an email by XXXX. I signed a contract by eform and the loan was approved but the leader refused to issued to loan or pay for the fees resulting in misinforming me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have paid my account in full ( less than 30 days since receiving notice ), and I am still receiving multiple calls per day. Today I received a call from Pinnacle debt collection and told the person that I wanted to speak with the representative of the company that holds my maintenance dues in order to sort out why they are saying I owe more money than was paid. He refused to hang up and blocked my line from being used for outgoing calls. I would hang up and wait 30 seconds and pick up the line to call out and he was still there. This happened for over 20 minutes and I found it extremely uncomfortable and intimidating. I also realized that I was unable to call out if there was an emergency in my home. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: XXXX XXXX XXXX XXXX XXXX has my account with a past due balance of XXXX and the account has been settled. The Credit union show my account closed and settled, but wo n't take the past due {$940.00} off the credit report. The balance should show zero, just as all my creditors show. Please help asap. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been alerted that my " ex-husband '' filed jointly or something that put a tax lien on my credit report. We have been divorced XXXX. I have not worked since XX/XX/XXXX due to being XXXX and recently have gone to my hearing for XXXX which looks like the outcome is going to be good but I 'm waiting on that letter still. After 3 yrs. this is a blessing to me, which explains the past three years of my credit rating going downhill drastically since I could n't pay any bills other then what my children could help me with. On that note it had to be the utmost needed necessities, like a roof over my head for XXXX example! 

He 's not married to me or anyone else that I know of! He only helped me with some bills since I have been XXXX and he told me he was going to file using me as a " dependent '' since he helped me for at least 6 months! I have had no income coming in other then my XXXX children paying the needed bills to survive here, which has put them in many binds. This is when he started helping out as well for about 6 months or so, BUT then his unemployment ran out and he went on food stamps & medical. He also stayed in this house frequently and uses this address still since he has no address yet of his own. He has n't changed it yet but he will now! After all the stress I have been through the past 3 yrs alone, now I see this on my credit rating I HAVE A TAX LIEN on my credit report that belongs to HIM! He should of never, NEVER put me on his taxes " JOINTLY ''. I need this removed ... this is not my debt! When I worked I filed my taxes every year! In the past, he went with out paying his taxes for about XXXX to XXXX yrs, I am not sure of the actual amount of years but I 'm positive it was a few years at least! This occurred approximately about that many years or so ago when he failed to file. Naturally they ( XXXX XXXX Federal & State caught up with him on this, but he has failed to keep up on the payments he had arraigned XXXX. Now I find out that he filed at some point " jointly '' with me and I have a Tax Lien on " my '' credit report!?!?! He does not live with me, he is not working again XXXX just lost another job ) due to his drug addiction, hence why he does n't come here anymore I will not have my stuff stolen either! I do n't know what to do here I am livid, Please I need some help here! 

Attached are XXXX screen shots of XXXX XXXX showing it is on my Transunion Report as well as my XXXX report so I have no doubt it 's on my XXXX too! Please please help me with this matter. I am also going to try to make some calls to the help tools provided on the XXXX page. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed an account with XXXX and also provided documentation to establish the reporting companies failure to respond appropriately in accordance with Federal and State regulatory laws. This is my final attempt to have the reporting agencies correct the fraudulent information that does not belong to me, and that the company has failed to prove by the virtue of the laws governing. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am XXXX XXXX for my mother XXXX XXXX. ( XXXX acct XXXX XXXX XXXX XXXX ) XXXX went into a rest home XXXX/XXXX/2015 and my brother, XXXX tried to have her XXXX account cancelled on XXXX/XXXX/2015. He was not on the account and not being a cable subscriber unacquainted with the rigors of account management for this type of service. He was told that he could n't cancel for her so he told XXXX that he would stop payment. The bill was being auto-paid from her bank account and since he is on XXXX bank account when the XXXX/XXXX/15 payment of {$78.00} went out of her account he stopped payment and had the funds restored. On XXXX/XXXX/15 XXXX pulled XXXX from XXXX bank account and my brother had that refunded the next day. 

I got involved XXXX/XXXX/15 and in a compromise attempt tried to do a name change and reduction of XXXX to internet only. I refused to pay the amount they wanted for internet after cancelling phone XXXX and was pretty clear about that. XXXX actually spoke with them at this time and they claim the I was added to the account then but when XXXX handed the phone back to me the line was dead ... the call had been dropped. Knowing we could n't call them back directly we waited for them to call us back. They never did. 

Numerous calls later the account has been turned off as of XXXX/XXXX/15 and we have been sent to collections for approx. {$200.00}. I disputed the collection amount and charter has reviewed the case and credited us {$40.00} leaving a balance of {$150.00}. 

We feel like we delivered the message to turn XXXX off over and over and pretty clearly ... even if not by their requirements. My brother should have been helped to meet their requirements rather than antagonized during the XXXX call. Or if I was on the account as they claim they should have called me. 

We would like XXXX to honor the XXXX/XXXX/15 cancellation of service date. I am not sure if that would reduce our bill to {$0.00} or not but we tried and tried and tried again. they finally honored our request but quite some time later. She went in the home XXXX. we are giving them 5 weeks of pay for time she was already gone. it seems a bit exorbitant of them to want a couple months extra. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Keep receiving calls from First American Solutions, LLC about a payday loan from 2010, insisting I did not repay the loan. They do not give any details about the loan, just that you will be served papers and call them back immediately. I googled the number at XXXX, saw several online comments about this being a Scam company. They tell you if you do not respond within 48 hours you will be prosecuted and going to jail, threatening you. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Dear Sir/Mdm : I have paypal accounts and I load money into my accounts. Then for no reason, they shut me down. Uptil today, they hold my funds for more than three months. 
It is also outrageous that they made Paypal Robots keep sending me formatted replies. Your Robots keep saying : " your account is limited indefinitely and an appeal is not possible. " Please note : 1 ) I never submitted a so-called " appeal '' ; 2 ) What I request is no business relationship with Paypal, i.e., I refuse to keep an account with Paypal, no matter it is " limited indefinitely '', limited definitely, or whatever. 

As I stated from the very beginning, I want my accounts closed and my money returned. I contacted them over ten times with no meaningful response ( now it is no response at all )! 

Thank you for your help with this matter. 

Sincerely, XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This message is a follow up to complaint # XXXX with the intent of modifying the " desired resolution ''. To recap the issue, my wife and I applied for a construction loan with BB & T bank in North Carolina. We spoke with the mortgage loan officer on XX/XX/2015, clarified our need for a construction loan for XXXX the cost of construction. We submitted all documents on XX/XX/XXXX requested from BB & T in their letter of XX/XX/2015. We were told by our loan officer that the loan would be processed in one week. I stated clearly that if there was any chance that the loan would not be approved, I did not want to go through with the appraisal at a cost of {$430.00}. I was assured that if the appraisal was ordered, our loan would be approved. 

There was not one representation made by BB & T that held true. They lied about the appraisal, they lied about the passive income limits from our retirement accounts, they lied about the loan to value ratio requirements, they lied about not having received documentation from us, and they lied about closing dates. 

We continued to be strung along by this group of unprofessionals for XXXX months with excuses about the underwriters and the loan processors " not communicating ''. We then reached our planned spending limit of XXXX the construction cost from our savings with new promises of closing on XXXX XXXX, 2015. XXXX days after being told the closing needed rescheduling, we were told that due to time limits on documentation, we would need to resubmit financial statements. This tactic occurred XXXX times. 

My wife and I finally decided to drop our efforts to close the loan one day after filing our previous complaint to this agency. That day, I spoke with XXXX XXXX, XXXX Manager, and had the same false assurances repeated that had been made by XXXX of her XXXX underlings. Once again we were told that financial documents previously submitted to the bank, would need to be submitted. At this point I realized that our efforts were in vain. 

I have been in and around the construction industry for XXXX years and have worked with at least XXXX other financial institutions with construction loans for projects/homes I have constructed ( all successfully ) and I have never seen anything like the incompetence and outright misrepresentation of the truth as exhibited by the entire chain of command at BB & T. 

I strongly urge anyone considering a construction loan to look elsewhere. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a victim of Identity Theft. I was out with a few friends at the casino, and misplaced my purse. My card was not on the table where I was playing the slot machines, and when I went to go look in the reception, no one had claimed to return it. I have noticed a lot of items on my credit report are not mine and believe someone has access to my personal information and has been pretending to be me. Please investigate this matter right away. Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: I went through a foreclosure with WellsFargo, that ended on XXXX XXXX, 2010. Since then I have requested the paperwork in regards to the foreclosure on a few occasions. Most recently I requested the file on XXXX XXXX, 2010. WellsFargo is still unable to provide this documentation for proof. Also, the bigger issue is that the foreclosure is reported incorrectly on my credit report. It does not show the date of the foreclosure, which I was able to confirm with the Veterans Administration ( VA ) Regional Office XXXX. The VA confirmed they payed {$44000.00} in guarantee on XXXX XXXX, 2010. This needs to be corrected. 

Company response: Company chooses not to provide a public response
Consumer complaint: Amerisave.com cheated me into signing up with them for low interest rate, I was asked to pay for Apprisal. But when the apprisal came it came at XXXX, when XXXX was showing at XXXX and I myself spent over XXXX over completing garden level basement. I felt the guys wantingly tweeked to offer me a loan and then get apprisal. It looks like they do this constantly for all customers. XXXXXXXXXXXX is the person and they knew for sure they were not going to offer the loan but pushed me to accepting the agreement using low interest rate. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On Friday, XXXX XXXX, 2015, at XXXX, I was on the phone with USAA Bill Pay Department speaking with a representative by the name of XXXX. When I filed for bankruptcy, USAA shut down all access to their website and services and only allowed me the ability to access to my account via mobile application. I was calling to see if it was possible to regain access to by Bill Pay so I could pay my bills again. 

XXXX stated the restrictions were put into place because I had a credit card which was included in the bankruptcy. She will transfer to the credit card department to pay my bill and then the restrictions will be removed. When I said excuse me, she against stated that when I my credit card debt, the restrictions against my bank accounts will be lifted and I can become a " normal '' customer again. I informed her what she stated to me was very illegal ; that the debt was discharged in a BK and she can not collect on a debt that was involved in a BK and she can not promise me things that will not happen. I then asked if the phone calls are being recorded and she stammered out a few answers before I was able to be transferred. 

I was eventually transferred to an Executive Resolution Specialist, advised the Rep was in violation of the BK discharge and FCDPA ( false/misleading representation/unfair practices by stating restrictions would be removed when they would not, did not notify me they were collecting a debt and trying to collect a BK discharged debt ). The executive resolution specialist first asked what I was looking for in compensation, which I stated I was only trying to determine if the restrictions could be removed from my bank accounts. The Specialist informed me the restrictions on the bank account could be removed if the BK had been discharged, which had been in XX/XX/2015. After XXXX mins on the phone, I was advised the restrictions would NOT be removed and even though the debt was discharged in a BK and XXXX committed violations against FDCPA, they were sorry for her behavior. Prior to this statement, which resulted in my stating I would file a report with the CFPB and contact my BK attorney, I was advised all calls were recorded, was questioned as to why I wanted to know that information and what would the information be used for. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We made a Check Fraud Claim on XXXX/XXXX/2015 to Bank Of America for a stolen and fraudulently endorse check. 
We wrote a check on XXXX/XXXX/2015 for a mortgage payment of XXXX mailed to XXXX XXXX XXXX. 
On XXXX/XXXX/2015, we reported to Bank of America of a fraudulent endorsement on the check, that XXXX XXXX XXXX denied receiving or cashing the check, and XXXX stated they would not endorse a check by hand signature. 
We completed a Fraud Statement for Bank of America on XXXX/XXXX/2015. 
In the following weeks, I made several calls requesting an update. Bank of America was only able to inform me the bank of first deposit was XXXX without additional information. 
On XXXX/XXXX/2015, I requested a " recredit '' or " provisional credit '' in light of the waiting time and the fact I had made a substitute mortgage payment on XX/XX/XXXX to cover the missing check. I was told the analyst for my case would call me. I did not receive a call. 
On XXXX/XXXX/2015, I followed-up and was informed the analyst had left me a message on XX/XX/XXXX which I was unable to confirm. An analyst, XXXX ( who was not our case analyst ), told me that Bank of America would not provide a provisional credit in the case of a false endorsement and that she was unaware of any " recredit '' provision of law. She stated it may take 30-60 days for XXXX to respond, which is unacceptable. She provided me with the following information : XXXX was the bank of first deposit and an electronic reference #. She was unable to provide a particular branch, a telephone number nor mailing address for contacting XXXX. 
On XXXX/XXXX/2015, in a follow-up call by my spouse, our Case manager/Analyst XXXX ( XXXX? ) informed us she would ( finally ) call XXXX with a follow-up. We are unaware why we could not receive the phone number for us to call XXXX directly. My spouse was informed it could take 60-90 days. 

Company response: Company chooses not to provide a public response