AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I deposited money into my checking account making my checking account XXXX total and a debit was posted to my account for XXXX almost XXXX hours later and BBT told me that the deposit will always post first before the credit. That is unethical and an easy way for the banks to get more overdraft fees from there customers. I had more then enough money in my account and they still charged me an overdraft fee and took money out of my savings when I had more then enough in my checking. Whether I deposit cash or not they told me it 's not readily available for use after XXXX that 's total nonsense and I 'm not the only one having this problem with BBT. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I closed my account out with Wells Fargo Bank. I was upset because of a previous charge that was deducted out of my account. 

I advised the lady who closed my account that I had XXXX outstanding checks and that I was going to contact them and make payment arrangements. She then gave me the money in my account and when I walked out the door I assumed my account was closed. 

I opened up an account with XXXX XXXX XXXX XXXX. 

On XXXX XXXX, 2015 Wells Fargo Bank took a direct deposit into my closed account and deducted {$35.00} check fee and paid XXXX XXXX {$200.00}. This account was closed on XX/XX/XXXX. How come they took this money out? 

I went directly to the bank and talked with the manager. She advised me that my account was not closed and they had tried to contact me earlier. I never received any phone call and I have my phone on all the time because of the work I do. She was very rued and told me that my account is opened and to check back the next day to see if it was closed. 

Wells Fargo Bank took money that did not belong to them if they paid this check then they should of contacted me for the money not take it out of a direct deposit made by mistake to a closed account ... 

I feel Wells Fargo stole my money. I was late on rent and I could not cook xmas dinner for my family this left me in so much distress. It was horrible. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage was recently sold to a company, LoanCare, and they have been taking my weekly payments and not applying them towards my monthly statement. After the first month I called and spoke to a representative who said he would reallocate the funds and note my account. Even though all of the funds were received by LoanCare well in advance of the due date I was charged a late fee. I called again to get this late fee reversed and was told that the customer service representative I was speaking to was unauthorized to reverse fees. During this same call I discovered that LoanCare still had not credited my statement despite cashing the checks I was sending. Again I requested that the funds ( all paid well before the due date ) be allocated towards my statement and was told that this would be taken care of and requested to speak to a manager who was able to discuss and reverse the late fee. I was denied speaking to a manager and was instead given a voicemail where I left my name and number and a brief message requesting a return call, this has not happened. I attempted to follow up on this request by calling customer service and was placed on hold for 45 minutes with no response. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I applied for a Macy's/American Express credit card inside the Macy 's store located in the XXXX in XXXX , Virginia in XXXX XXXX, 2015. I was told by the sales person in the men 's department that I had been approved for this version of card with a limit of {$600.00}. I was also told that any in-store or online purchase would be discounted by an additional 20 %. Additionally, I was told that the use of the card during their XXXX-day only promotion would include an additional discount, and I would also accrue XXXX-Points for each dollar that I spent. 
I opened the account based on these terms, I used the temporary card thinking that I would be receiving a permanent Macy's/AmEx credit card in seven to XXXX business days. 
On XXXX XXXX, 2015 I received a Macy 's Star Rewards regular credit card in the mail. In a separate letter received on the same day I was told that after further review Department Stores National Bank could not issue me what I had been duped into believing I was signing up for. The letter is dated the same day that I applied for credit in the store and the Macy 's clerk told me that I would be getting the dual purpose card. I called Macy 's customer service line and was told that my credit score was not high enough for the dual purpose card. I feel that I should have been told this information on the XXXX, so I could have made a decision whether to sign up for the credit card or just walk away. 
I feel that I was baited, then switched with the promise of a dual purpose card that could be used in Macy 's stores, on-line, as well as anywhere the XXXX XXXX card was accepted. I thought this would a great way help restore and rebuild my credit history and reputation. I was taken advantage of, they knew then that I was not going to get the card that I was promised in-store. This is an unfair and deceptive business practice, and is just plain wrong. I feel cheated by XXXX and Macy 's. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX I took out a student loan through my school, XXXX, a XXXX school. The loan was held by, XXXX XXXX XXXX, XXXX XXXX XXXX, my loan was bought out by, Campus Student Funding , LLC , and managed by XXXX . When this switch occurred it dropped my credit score by XXXX points. XXXX XXXX, I paid this loan in full, only to find that Campus Student Funding , LLC and/or XXXX never registered this loan to reflect on my credit score. I have contacted XXXX XXXX and XXXX in attempts to reach Campus Student Funding and XXXX XXXX, the company they are associated with, to no avail. They have damaged my score and in not registering my loan they have deprived me of a chance to improve and further build my credit history. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have an account from a creditor reporting erroneous and incorrect information to Experian, reporting on my personal credit file. I reached out to the original creditor XX/XX/2015 requesting they verify and validate the debt they claim I owe them, because of an issue with identity theft I had at the time the bad information began to report. Thecreditor refused to send me historical information about the account and directed me to dispute my inquiry with them directly with the credit bureau ( violation of my rights under FCRA ) I then disputed the accounts with Experian, by certified letter, asking them to delete the account from my bureau because the creditor was purposefully reporting bad information. 
Experian " investigated '' and reported back to me that they were only requiredto validate my accounts. They remained on my reports. At this point, Experian accepted information from the creditor, knowing it was in error, because they had proof that the creditor refused to provide me, the consumer, with they information I requested about the accounts. It is my understanding, by law, if I dispute an account with a creditor, they are to mark the account as in dispute ( they never did, another FCRA violation ) and not report additional information to Experian until they provide me with documentation validating the the amount of the debt they claim I owe them. I never stated to them that I refused to pay, only that I wanted proof of accounting of the debt, because I believed they allowed charges on my account that I did not authorize. 
I then requested by certified letter, for Experian to provide me with the Method of Verification that they used to continue to report bad information on my report, requesting that they send me the documentation that they received from the original creditor, and theyonce again refused to provide. They also stated to me that my re-investigation requests were excessive and irrelevant. I was being put in a corner because the creditor directed me to Experian, Experian directed me back to the creditor, and no one was giving me answers about the information this creditor is reporting to the bureaus. 
I believe Experian is processing my requests through their automated system XXXX, only. They are not reading or reviewing any documentation that I send to them, nor are they asking the creditor to investigate. They are taking the same information that the creditor has been giving them as if it is correct, knowing that I do not agree with and have been given no chance to review or dispute what is being reported while knowing that the creditor will not prove the amount of the debt they claim I owe them. 
I am lost as to what to do at this point, I am not able to get answers from anyone. This account is hurting my credit and my credit score, blocking me from getting new credit to re-establish myself. I want this account deleted from my credit report, this creditor needs to be investigated and a proper investigation should be done per my rights under the FCRA. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a collection that 's been showing on my XXXX and XXXX report for a while that is not mine. I disputed through XXXX, and receive a verdict that they were unable to verify this was mine, and they agreed to remove trade line from CRA 's in 2012. They are still on today and disputes did not work with XXXX or XXXX, and Collection Agency is not acknowledging the letter they send agreeing to remove from my reports. 

The tradeline on reports is Mountain State Adjustment, they also go by MS Services & XXXX it looks like. 

Please help me get this resolved, it 's making it hard for me to get an affordable rate on a vehicle for my family. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX 2014 I went through taking out a mortgage with US Bank. I used them simply because I had banked with them for 20 years and thought it should simplify the process. It did not. The process was painful, rattled with errors and lack of accountability on part of anyone at the bank or in the mortgage underwriting/processing division. Part of the mortgage was taking out a HELOC so we could avoid the PMI insurance and keep some money in our savings account versus draining it. When discussing with the mortgage advisor at US Bank ( XXXX XXXX ) he gave us the option of a HELOC since the interest was only about 30 % the cost of what the PMI would have been. We agreed and discussed that we only wanted the loan for a year/wanted to be done with it quickly vs dragging it out. He assured us that was n't a problem and that it was an interest only loan allowing us to pay it back on our own timeline/as long as we needed. Two weeks ago we went into the bank to pay it off/close it down to release the lien from our home ... and they told us that since we were closing it so soon we had to pay a {$500.00} penalty for paying it off early. A {$500.00} penalty for paying off a loan early?? This is something the CFPB should focus on with big banks. That should be beyond illegal. This encourages debt/the debt cycle. This also goes against the mortgage seller at the bank and what he told us. Either he lied ( frankly most likely considering the process and how I ca n't believe that team is allowed to lend large sums of money ) or he was uneducated. Either way, it is the responsibility of the bank to deal with it. I received a customer service response to my complaint saying that they are sorry and they forwarded my note to XXXX and his Manager to respond to/address. It has been nearly 2 weeks and no response. Not that I expected it but did ask for it. 

Company response: Company chooses not to provide a public response
Consumer complaint: My first home mortgage from BB & T bank was a short sale transaction. The bank accepted less then the mortgage. I signed the XXXX form in XXXX of 2014 selling the home to another individual. BB & T bank then reported the loan delinquent 180+ days for the next 20 months. I have tried to dispute this information XXXX in which I have included the lawyer signed documents showing the home was sold in XXXX of 2014. XXXX has not taken proper actions to fix my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: The company is calling harassing me about a loan I know nothing about. They threatened to contact my job 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am complaining about a bait-and-switch credit card offer, for an XXXX credit card offered by Bank of America. XXXX is promoting a XXXX Signature card, which provides for free baggage check and other worthwhile benefits. I applied for the card, on-line, and was approved. I received a credit card in the mail, but after taking a closer look, I saw that it was a Platinum Card, not a Signature card. The card did not include free bag check, or any other significant benefits. The card had a {$1000.00} limit, and cost $ XXXX. I had not applied for this card. When I called B of A, I was told that the card already had a {$50.00} charge. I was able to cancel the card, but I was disturbed by the obvious bait-and-switch tactic. I went back to the XXXX web site. Nowhere does it say that I am applying for a Platinum card. " Platinum '' is not mentioned on the home page, or on the Signature card promotion page. It is only when you go to the application page, that the Platinum card is even mentioned, and nowhere does it state that the application is for either card. It is only by going down to the " Terms and Conditions, '' at the bottom of the page, and then scrolling down through the " Terms and Conditions '' to a section that is not even initially visible, that a provision appears, in the smallest type font on the page, stating that B of A may approve a Platinum card, instead of a Signature card. But even there, it does not state that by applying for a Signature card, XXXX is also applying for a Platinum card. I applied for a Signature card. The application was approved on-line, without the need for any further action on my part. I was not told that I had only been approved for a Platinum card, or given an opportunity on-line, to reject the Platinum card before it was shipped. 

This offer is clearly designed to allow B of A to bait-and-switch the Platinum card for Signature card, without any adequate warning to the consumer. If I had not closely looked at the card after it arrived, I would have ended up paying a {$50.00} fee for a high interest, low limit credit card that did not have the benefits that I thought I was receiving. 

I spoke with representatives of both XXXX and Bank of America, explaining the deception, and asking that they change the ad. The XXXX representatives with whom I spoke agreed that that web page was deceptive, but told me there was nothing that could be done, because Bank of America controlled the content. The Bank of America representatives told me that someone would be in touch with me, but I have not been contacted. 

Company response: Company chooses not to provide a public response
Consumer complaint: I attached my latest report from XXXX XXXX, I tried to directly log into Transunion but, it says it does n't have my information available the last few times. 
I have XXXX account with XXXX XXXX XXXX, see attached. 
1- it reflects it is on a " payment plan '' it 's not it was paid in full through the court. 
2- it is not closed derogatory, it 's reflecting that because TU is in violation of the law. You ca n't report erroneous payment information and balances after the Chapter XXXX is filed, everyone is aware of the case. The judge suggested the bureaus just delete the creditor, simple as that : In re : Chapter XXXX XXXX XXXX XXXX, Case No. XXXX " Given all the facts and circumstances, including the Credit Union 's apparent good faith belief that it was properly reporting this debt, the remedy is for the Credit Union to cause the CRAs to remove the disputed information '' 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi, I am not able to get my annual credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was unable to receive XXXX of my credit reports 

Company response: Company chooses not to provide a public response
Consumer complaint: This would also relate to cfpb case numbers : XXXX & XXXX, filed against XXXX. 
On XXXX/XXXX/XXXX, I contacted " XXXXXXXXXXXX '' to notify them that my mortgage account being serviced by XXXX XXXX XXXX, XXXX was paid in full on XXXX/XXXX/XXXX by wire transfer, with such enclosed documentation so that my credit report could be updated and consequently improved. However, XXXX XXXX 's email response on XX/XX/XXXX was that I needed to initiate a dispute, which was effectively immediately done through their very restrictive website prohibiting ways to adequately formulate the nature of the complaint. Today, through EXPERIAN 'S report number XXXX, dated XX/XX/XXXX, it refutes my claim that the mortgage loan which XXXX had been servicing has indeed been paid. In fact my newest credit report dated XX/XX/XXXX, my order number : XXXX, shows the real estate accounts with Experian ; XXXX and XXXX remain at {$170000.00}. And to make matters even worse, the report also indicates that my credit scores with Experian and XXXX have been lowered to XXXX from a high of XXXX most recently, and probably XXXX will soon do the same. 
This is vexing and extremely humiliating since I have gone to extraodinary lenghts to pay off the mortgage loan to XXXX for an overall sum of {$170000.00} on XXXX/XXXX/XXXX, plus additional closing cost of {$16000.00} and an addtional remittance of {$2900.00} for taxes for which an escrow account already existed with XXXX. The closing could not be effectuated if I had not disbursed that sum of money for real estate taxes. In total, in order to safeguard a good credit report, I sold my house for {$180000.00} on XXXX/XXXX/XXXX and which I paid for on XX/XX/XXXX in the amount of {$230000.00}. But the damages to my credit report continues because, Experian will not amend the report to show full payment of the loan and on top of it, the newest report shows payment latenesses on XX/XX/XXXX and XX/XX/XXXX, when XXXX was informed that the loan was due to be paid in full in XX/XX/XXXX and for which it provided a PayOff Quote Valid Through XXXX/XXXX/XXXX for {$170000.00} but which it ultimately increased to {$170000.00}. EXPERIAN is acting in bad faith and does not show any concern for the right of the consumer who attempts, even through incredible financial losses, to maintain an honnest and credible financial status. When the financial mortgage sector had collapsed in XX/XX/XXXX, I could have foreclosed on that loan but decided against it, despite numerous legal advice, in order to preclude such a negative notation in my overall credit bureaus rating. But instead, the response is absolute contempts by the credit bureaus. I demand that these wrongdoings by Experian and the other credit bureaus be immediately corrected. 

Company response: Company chooses not to provide a public response
Consumer complaint: For financial reasons I need a copy of a loan document from 2008. The mortgage was with GMAC, now known as Ally Bank and Ally Financial. Ally 's XXXX customer services lines provide no help. They have no record of my loan number or even my SS #. I have been given XXXX other numbers to call. XXXX are " not in service '' the other rings and a recorded message answers ( without identification of the company ) and asks callers to leave their ss # on the recording. The Ally website has no phone number for the corporate office and the customer service reps do n't either. When I called the XXXX department, that number also asks the caller to leave a message and once again the recording does n't identify the company. How can a financial company, let alone a public company, be permitted to remove its managers and executives from contact. I am going to lose a contract on a house because I can not get a copy of an old loan document. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America ( my XXXX card ) added foreign transaction fees to a purchase I made on- line, on XXXX/XXXX/15 transaction ( reference ) number XXXX. Based on my conversation with the company, Just Sweatshirts they disclosed that they shipped the items from XXXX XXXX XXXX, XXXX, New York. I was billed in XXXX dollars ( {$180.00} ). My bill and invoice confirms that the company shipped my product from New York State. 
The card company said that the company billed them from XXXX, XXXX. The company denied that. I have the documents to support my allegation of Fraud by Bank of America. It is not about the minor {$5.00}, It is about how many millions is the credit card company making illegally by falsely adding on fake foreign fees. Even if the company sent paperwork from XXXX, the products came from the XXXX, not XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citi Bank Thank You Credit Card Raised Interest rates as follows WITHOUT ANY NOTIFICATION XXXX/XXXX/XXXX : XXXX XXXX XXXX/XXXX/XXXX : XXXX XXXX/XXXX/XXXX : XXXX XXXX XXXX : XXXX Without notice or anything via email or mail- They raised the interest on all charges 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I accidentally entered the incorrect routing number for auto-pay on my Citibank Credit Card. Subsequently, my payment was late because I did not know I had done this. I called to have this changed, because I was unable to make the change myself on line and I was told that it would be handled within 10 days. After numerous calls and on-line support events, this issue is still not fixed - 4 months later. Citibank Tech Support in Kentucky told me this is a known issue and thay are working on it. But seriously, 4 months? During this time I was twice asked if I would like the paper forms sent to me so that I can complete the forms and mail them back. I have never received this forms. While this is a minor to the bank, I 'm sure, it concerns me because I wonder what else is not working properly within their on-line system and how reliable is the other data that comes from it, and for that matter, how secure? 

Company response: Company chooses not to provide a public response