AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: There were several unauthorized debit card transactions on my account from XXXX/XXXX/2015 to XXXX/XXXX/2015. On XX/XX/XXXX, XXXX transactions for a total of {$970.00} were unauthorized. On XX/XX/XXXX, XXXX transactions for a total of {$600.00} were unauthorized. I lost my card, and reported the card lost immediately, within minutes, of realizing that I had lost it. Regions bank refuses to return my money and blames me for stealing money from myself. It claims that " cardholder acknowledges PIN was not compromised '' when in fact the opposite is true. I live paycheck to paycheck and I really need my stolen money returned to me. What a horrible bank 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage loan servicing has changed too many times. My former company, whom I hate, ( United Security Financial Corp/XXXX ), sent me a letter informing me that XXXX XXXX XXXX XXXX will now collect my payments. United Security / XXXX XXXX will no longer accept my payments as of XXXX XXXX. Today is XXXX XXXX and I have not received anything from XXXX notifying my of the changes let alone the terms or anything else. While I am happy to leave United Security / XXXX XXXX because they charged me two whole months worth of mortgage payment and still left {$1500.00} unapplied for some unknown reason that even their own customer service department ca n't explain, I still need cooperation from RoundPoint. I can not make a payment without an account number. I am sick and tired of my mortgage loan being sold and resold over and over without my permission. This should absolutely be illegal and it is unfair to the consumer, especially those of us who have NEVER missed a payment. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I started getting phone calls from credit card called Emerge, This company took over a credit card account of mine in good standing in XXXX or earlier but i can not remember the creditors name. I since have paid on time by check every month and my account has always been current with Emerge until XXXX of XXXX when they said they did not get my payment, they then charged me a late fee, I sent another check including the late fee and payment in XXXX, they have not cashed either check and call me XXXX or six times a day, to get a payment by phone. On XXXX/XXXX/XXXX I asked for the following info- Please provide me with The creditors name you are collecting for, they did not give me the creditors name, only Emerge. I asked for the amount owed, they said {$580.00} and i asked how can i dispute or get confirmation that i owe this dept, they did not respond, i said i need this information sent to me with in 5 days in writing and i will be filing a complaint with the O.C.C and i hung up the phone. I have never been late on payments in many years and find it extremely odd that i am now not behind on the dept and never have been, and all of a sudden they started charging me late fee 's and saying they did n't recieve my payment and want payments by phone, also i find it unusual that they wo n't give me the creditors name they are collecting for XXXX the original owner of the account from XXXX ). If i can request an investigation to see whats going on, if this is a practice or tactic to get more money from me by not cashing my checks by increasing my bill with late fee 's, I read a review online of another man with this same issue with Emerge and he found through the O.C.C. this company was doing some wrong practices towards him and his matter was resolved with a {$2000.00} balance dropped to {$0.00} balance after the investigation. That is just hear say but is what i read. I am filing this complaint for me XXXX XXXX XXXX mother, She is not proficient in computers so i am representing her in this request. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I sent a letter to Trans Union letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and Trans Union refuses to delete the fraudulent accounts from my credit report stating in a letter they will not remove it. Trans Union provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit. The accounts that came from identity theft are listed below also here is my Credit report number : XXXX XXXX XXXX XXXX acct XXXX XXXX Acct XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Credit Bureau Assosiates has been contracted to settle an auto loan debt I had with XXXX XXXX XXXX ( a CA banking institution ). Over the past 4 years I have made continual payments to them between the amounts of $ XXXX {$200.00} per month, most of which were requested by me to auto withdrawal from my account. I have not received a statement showing pay history in over 18 months. When agreeing on an amount due, the notes in " the system '' are different from what was said from a previous collector. And in 4 years I 've yet to see the amount the Bank sold the debt for to the collector. As of today they are saying {$2400.00} is the Bal ( due to interest ) with the amount owed to XXXX ( Bank ) as {$870.00}. They refused my settlement of {$900.00}. Sir/Ma'am what can I do? I am a XXXX and My Wife and I are working really hard to settle this debt. Thank you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for a Credit card with U.S. Bank and was approved for {$1000.00}. I did not want the card and let them know within 1 hour of receiving it. I ask them to not activate it and to cancel my application. They said they ca n't. This Credit card from U.S. bank will hurt my credit report and score so I did n't want it. I told supervisors with U.S. Bank That I did not want the card but they are forcing it on me. This does n't seem right. I never used the card but they say that it activated and they ca n't cancel it without it being on my credit report as a canceled card. Their own representative told me the card was the wrong credit card for me. Yhey are using my good credit to hold me as hostage to this credit card knowing it will hurt my credit report. So now I 'm XXXX if I do and XXXX if I do n't. If I keep the card it will hurt my credit report and if I tell them to close an account I did n't open it will hurt my credit report. Is n't that what the " Consumer Financial Protection Bureau. I have a XXXX credit score and now it will be damaged by U.S.Bank because they are greedy and do n't do the right thing for consumers. 

Company response: Company chooses not to provide a public response
Consumer complaint: I would like to make this complaint against XXXX XXXX XXXX and my investor of my loan. Loan Modification policies that discriminately disallows the bank 's service provider, XXXX XXXX XXXX, to approve a loan modification that is authorized under the Hamp or Harp Program by Mr Obama for underwater homeowners. On two occasions, XX/XX/XXXX and XX/XX/XXXX, XXXX in accordance with Deutsche 's discretionary policies contrary to existing XXXX authority has denied our loan modification applications, despite proven severe decline in our home value and documented severe decline in our household income due to XXXX XXXX 's XXXX status. The basis for the denial is " The owner of your loan has very specific, technical guidelines for participating in the government 's FED programs and your loan falls outside of the requirements. Because our loan is not backed by XXXX or XXXX XXXX, my Wife and I have lost the opportunity to take advantage of refinancing or modifying through XXXX and are subject to the discriminatory policy of Deutsch Bank National Trust Company as Trustee on Behalf of XXXX XXXX XXXX XXXX Mortgage Pass- Through Certificates, Series XXXX. Because of the legal maze of ownership, we are unable to speak directly with anyone within the bank that actually owns our loan regarding our personal situation. XXXX just released contact information for the bank. It is a vicious cycle designed to disable the customer. Under any peer bank standards, our circumstances more than qualifies for a loan modification. However, because we are behind on our mortgage payment, we are requesting help. Our families gross financial hardships in other areas of our household, XXXX is not authorized to help and is acting under Deutsche 's " technical guidelines '' keeps our family economically strapped and oppressed. I would also like to add to this complaint that DBNTC in XXXX XXXX CA office is showing a lease sign, and is s subject of a new movie called XXXX. They still may be under investigation by the DOJ, and may be shutdown. I also would like to add that XXXX may be the primary investor, not sure due to the letter that B of A sent me has DBNTC the Trustee working on behalf of XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX XXXX I signed a payment agreement on an agreed judgment which included service fees, filing fees, and listed an interest rate of 12 % per year. As agreed, I began making monthly payments beginning XXXX XXXX, with the most recent payment being made in XXXX. On XXXX XXXX XXXX the company representative told me my balance was {$3500.00} more than what the initial balance was on the agreed judgment. I disputed this and she stated she would work with the legal team to get this resolved. I called the company to follow up on this on XXXX XXXX XXXX and the issue still was not corrected. At this time it was explained to me, the additional amount was attorney fees and other fees they forgot to put in the original signed agreement, and that she was n't sure when this would be corrected. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I HAVE AN ACTIVE ACCOUNT WITH CREDIT CENTRAL IN WHICH THEIR COLLECTION PRACTICES ARE HORIFFIC. THE MANAGER HAS CALL 2XS FROM HER PERSONAL CELL PHONE IN WHICH I HAVE A COPY, AND THEY CONSTANTLY CALL EVEN AFTER I HAVE SET AN ARRANGEMENT MY ACCOUNT IS 9 DAYS PAST DUE AND THEY EXPECT FOR ME TO LEAVE MY JOB AND DOWN THERE AND SET AN ARRANGEMENT I ADVISED THE LADY IM NOT COMING DOWN THERE UNTILE I AM INTENDING ON PAYMENT WHICH WILL BE TUESDAY OF NEXT WEEK TODAY IS JUST THURSDAY. ALL OF MY REFERENCES HAVE ASKED NOT TO BE CONTACTED AND THEY ARE STILL CALLING. THE ONLY REASON THE REF 'S DONT WANT THE CALLS IS BECAUSE THEY ARE SO RUDE AND ABUSIVE WITH THEIR WORDS AND ITS NOT THE REF 'S DEBT ITS NOT FAIR FOR THEM TO TAKE ANY ABUSE ABOUT MY DEBT. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bait and switch by Regions bank to sign up for a new bank account. 
In XXXX 2015, I signed up for a public offer through XXXX - {$300.00} offered as a sign up bonus for a new bank account after ( 1 ) opening a XXXX checking account, ( 2 ) making XXXX purchases with the check card and ( 3 ) {$500.00} or more in direct deposit. Offer states that once criteria is met, " get a {$300.00} credit to your regions account within 120 days. '' Upon signing up for the public offer, I received a welcome phone call from a customer service representative who informed me that I successfully signed up for the {$300.00} offer as defined by the public offer. He stated that I would receive the {$300.00} bonus as long as all of the criteria was met within the defined time frame ( 60 days ). 
I met the above defined criteria within 45 days of opening the accounting. However, I did not receive my bonus within 120 days or anytime thereafter. I emailed Regions in XXXX, XXXX and XXXX to inquire as why I had not received the bonus. Each time they stated that I needed to wait longer and that the bonus should be credited to my account if I met the defined criteria. Finally, in late XXXX, my case was escalated to a customer service agent who investigated the issues. She returned with the response that I did not enter in the offer code and she put the burden of proof on me. However, the offer that I signed up for was a public offer, through a link on XXXX. I provided ( 1 ) the public offer link, ( 2 ) a screen shot of the public offer as defined when I signed up and ( 3 ) the public offer code ( non-unique ) that I entered when I signed up for the bank account - XXXX. Further, I was able to show that I signed up for the bank account with the intention to obtain the {$300.00} bonus by my activity within the account - I met the defined criteria within 45 days as evidenced by my bank account history information. 
Unfortunately, Regions informed me that I did not enter in the public offer code XXXX when signing up for the account and therefore was ineligible for the {$300.00} offer. However, as stated above, I ( 1 ) received a phone call from regions at account inception confirming that I entered the code, ( 2 ) was able to provide a screen shot of the offer when I signed up for the account - public offer, and ( 3 ) I was able to provide the exact code that I entered when signing up for the account - non-unique code of XXXX. 
I am very disappointed in this situation and feel that I was both wronged and defrauded by Regions bank. I met all defined criteria of a public offer and Regions did not come through on their end. Bait and switch tactics by the marketing department to increase the customer base within Florida. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a home equity loan with Santander Bank. The loan was in XXXX my name and my husband who In XXXX is my ex husband. The house is only in my name since the divorce. I was and continue to make all payments. In XXXX, my ex declared bankruptcy and was told by bankruptcy lawyers I would not be impacted in any way. He was granted a discharge effective XXXX/XXXX/XXXX. Santander shut off my auto payment process to make auto pymts from my checking acct which did n't allow me to get an interest rate discount. I was told to try again in a year or so. I 've been told several other times I could not get this service and discount because of my ex husband 's situation. I think it 's an unfair practice that I ca n't get this auto payment service and discount based on my payment history and credit status. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I tried to move my personal residence to my revocable trust. However, USAA does not allow that. Yet, they do prepare trusts and from what I learned, if the trust uses USAA as the trustee ; then it is possible ; but otherwise, it is not permitted. This seems unfair. I 'd further note that their website even recommends moving property to a trust - again, apparently if they are hired as the trustee only. From below, I clicked on making payments some loan servicing is listed under that section. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America offered me a modification on my home loan in XXXX XXXX, I signed the documents and sent them back in before the deadline. My next payment was not due until XXXX/XXXX/XXXX per the paperwork. I was spoke with my relationship ship manager she confirmed the paperwork was received and that as soon as I made my 1st payment on XX/XX/XXXX, they would bring my account current for XX/XX/XXXX and XX/XX/XXXX. That has not happened and Everytime I call Bank of America I get the run around no one knows what 's going on they ca n't seem to find my payments and my bank statement clearly shows the payments made to Bank of America. Also I actually made both my XXXX XXXX, XXXX and XXXX XXXX payment on the phone with Bank of America. They have been miss applying my funds and putting them anywhere except on my mortgage payment. The are not being honest and I not about to loose my home behind there misconceptions. They need to be investigated. This is the 2nd time I have had to file a complaint against Bank of America. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I 've been working with an attorney for several years to get a a loan modification due to hardship from my husbands loss of employment. Bank of America granted a DOJ modification with principal reduction and impounded taxes in XXXX XXXX. It was finalized a few months later. In XXXX XXXX the loans wa service released to XXXX XXXX XXXX ( XXXX ). Shortly after the release of the loan to XXXX, I received a notice from Bank of America Escrow Dept. and XXXX separately, saying that we had an escrow shortage of {$20000.00}. I thought for sure this had to be an error since Bank of America no longer serviced the loan and we had received the modification with all past due balances and escrow delinquencies into the the back end of the loan. A few months later, I received our annual property tax statement showing the taxes had not been paid. I contacted XXXX to ask why taxes were not paid since the loan modification includes an escrow impound account. They looked into it and then notified me that the taxes would be paid immediately. At that time, I also questioned the escrow shortage that was still showing on my account. I was told to write a dispute and send into the XXXX resolution dept., which I did. The response was that Bank of America, the previous servicer, did not capitalize the total amount of delinquent taxes. So when the prior servicer paid the taxes after the modification was processed, this created a negative escrow balance. I still dont understand how this can be the case. I contacted the county tax assessor which told me the taxes were all paid to date and a refund was coming to me. I responded to XXXX with another dispute still requesting resolution for the escrow shortage with proof from tax assessor that a refund had been issued and all taxes paid. I requested refund be applied to my account. XXXX replied with the same information that Bank of America transferred the loan with an escrow shortage. A few weeks later, I received an audit from XXXX stating that my mortgage payment would increase by about {$750.00} per month for 36 months to account for the erroneous escrow shortage. A few after that, XXXX service released the loan to XXXX as of XXXX XXXX, XXXX. I have tried to contact Bank of America to get any sort of resolution and ca n't speak with anyone. I havent been able to get resolution with XXXX. I am at a loss as to where to proceed. I CAN NOT afford any increase in my mortgage payment. I hope and trust that Consumer Financial Protection Bureau will look into this serious matter and assist in a fair resolution. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Doctor 's office was given XXXX insurance information before being seen. Secretary too medical card, made copy and still presented me with a bill. Bill has now gone to collections and is on my credit report. Bill should have been paid in full by XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Basically what happened is before XXXX in 2015 someone that I do not know deposited checks into my bank account in the amount of XXXX dollars and withdrew the money from an atm in XXXX. I changed my password immediately on my USAA app on my phone and reported this fraudulent activity to USAA. I did not hear anything from them and suddenly my bank account was frozen and my account was XXXX. Shortly after I was unable to get any of my XXXX paychecks and the bank said that money can only go in not come out. I have not received any paychecks since this time and now they say that I owe XXXX to reopen my account. I am a XXXX veteran and times are tough I can not pay the XXXX and in addition to that I am unable to work to make any extra funds. would just like my money back that is mine and was payed to me from the XXXX administration and from social security. I have had Usaa for approximately 9 years and I feel like they have left me for chopped liver. Any help would be greatly appreciated. 

very respectfully, XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I attempted to close an account in XXXX 2015 because I had automatic payments I could n't get stopped. I brought the account to a zero balance as I was told, but the account did n't close.I would deposit money to the account to again bring to a XXXX balance but still would n't close.Bank of America took money from my mother 's act to bring to a XXXX alance, but they still have n't closed it.Eventually the brach call the back office last month, they put stop payments on all the automatic debits, but the keep coming out. I was told to call the phone center for my fees and they basically laughed at me. I asked to speak with a manager who need called me back.Called the branch and they wo n't reverse the fees because it would count against their branch. Today they have taken {$92.00} from my regular account to put in the account that is overdrawn with automatic payments still coming. I have emailed the CEO, but I doubt I will hear anything. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX was paid as agreed, settled in full. not paid for less than as being reported. need validated. date opened is wrong. lots of things wrong on the report 

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