AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Went to make deposit on bank ATM. I was trying to make deposit cash in the amount of XXXX. After posting XXXX cash the ATM end up in error and denied me to make more deposit and did not giving me receipit for XXXX or post the money to my account. I called bank and report error for ATM and bank respond that my found will be available in next 5 business day. Today is 7 days and bank did not refund money yet and every time I call I get different answers. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I bank at TCF Bank in Minnesota. I purchased a laptop from an international seller, which resulted in me being charged an international fee. When balancing my checkbook, I did n't account for the international fee which resulted in me being overdrawn by {$6.00}. I was then charged a {$37.00} overdraft fee on top of it. I went into the branch and called the customer service line and they just explained that the policy is to charge anything over {$5.00}. I VERY rarely overdraw my account, and thought the bank would take care of its customers in a better manner than charging {$37.00} for an overdraft of less than {$7.00}. In addition, I made a cash deposit the very next day to cover the overdraft situation because I do n't like ever being in an overdrawn situation. This seems outrageous, and I believe the Truth in Savings regulation should be updated to no longer allow any overdraft fee greater than the amount actually overdrawn. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX, at XXXX, I spoke with XXXX XXXX of A Bank of America. I informed him that on XXXX my bank XXXX, which a State XXXX Check for California Workman 's Compensation in the amount of {$2100.00} was the subject of a Levy in New York. The Bank Account and local branch are in California. The Levy is {$1100.00}, drawing from the State of California Social Security Funds. In the Court of Appeal of the State of California ; XXXX XXXX XXXX XXXX ( XXXX XXXX County XXXX. XXXX No XXXX ) In Accordance with XXXX XXXX XXXX XXXX Bank XXXX. This action by Bank of America includes causes of action for intentional and negligent misrepresentation, intentional infliction of emotional distress, unlawful levy against Social Security benefit payments ( Code Civ. 704.080 ), the violation of the Consumer Legal Remedies Act ( CLRA ) ( Civ. Code, 1750 et seq. ) the Unfair Competition Law ( UCL ) ( Bus. & Prof. Code, 17200 et seq. ) and the False Advertising Act ( FAA ) ( Bus. & Prof. Code, 17500 et seq. ) The misrepresentation-based claims are based on XXXX alleged misrepresentations by the Bank : ( 1 ) that funds directly deposited California Workman 's Compensation Check would be safe, secure and instantly available to account holders ; and ( 2 ) that the Bank had the right to use XXXX benefits to cover overdrafts and insufficient ( NSF ) charges. The Bank Representative or Bank of America has refused to return any of these funds since the Levy on XXXX or provide any exemption forms to myself. Calls were made on at least XXXX prior times requesting the compliance of State and Federal Law. According to the Bank Representative XXXX this will take 5-7 working days to investigate this claim. 

Company response: Company chooses not to provide a public response
Consumer complaint: Please REMOVE the Inaccurate Late Payment History for these Collection Accounts for XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX ( acct # XXXX ). I do not have any payment agreement with them.The Closed Charged Off accounts from more than a year ago are Inaccurately getting reported as Open and Active by Collections Agencies. However, they are falsely reporting every month a Missed Payment or Late Payment. This is negatively affecting my report every month. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My Barclays XXXX XXXX was closed without any prior notice and without any reason whatsoever. When I called I was told that my heavy usage caused it to be closed. Barclays was being deceptive with their business practices in promoting a credit card with rewards and asking me to put all my spend on it to create more points and then shutting down my account with no prior notice and not allowing me to redeem my rewards. I believe that 's not the way to treat a costumer you lured in with false promises. I was doing normal spending and my account was closed because I share the same address as my husband which was the XXXX doing the heavy spending, how is that fair I ask? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: With out my Permission Ditech Financial issued Unauthorized Documents to my Bank & Funds from my Account was submitted to Ditech with out my Consent 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Aqua finance, XXXX and there investment banks are harassing my family again. The harassment had lessened for a while but recently on XXXX/XXXX/15 Monday the harassment started up again! These companies are being protected that 's why it 's so hard to bring them to justice. It 's a lot of money being passed around. Monday 's date has a major significance to our harassment case and for those families that have been victimized by these companies. I think your office knows what we are referring to, nobody is above the law and we 're glad our U.S. Government is cracking down on these crooked companies and politicians! Back to the harassment on XXXX/XXXX/15 in the back parking lot of XXXX XXXX on XXXX 1 of there stooges was literally stalking me his plate number is XXXX XXXX. While I was waiting to p/u my client he pulled up next to me and just watched me clearly trying provoke me. When I left for a minute, he left too and when I came back so did he. The only difference was he parked right behind me. When I started to back up to leave and p/u my client, there stooge backed up extremely fast at the same time clearly tried to wreck our car. If had succeeded I would not have been able to work! That was obviously there plan and they have been committing these types of harassment tactics ever since. These companies conducted these types of felony harassment tactics a few yrs ago and we relayed these acts to the Texas attorney generals office in our complaint letters. On today Thursday XXXX/XXXX/15 I was trying to type up a new complaint update and print it out to be mailed to your office and literally watched my email get deleted right before my eyes. All our complaints have been deleted and that 's why I 'm trying to go through your site again. The last XXXX times that I tried to submit a complaint through your site, I typed up a full complaint and got all the way to the end only to have my complaint blocked! We will not abandon our home and will not be forced to abandon our home. We will protect ourselves by any and all means! If and when our case goes to court, we will get all forms of media involved and that includes everybody that will listen! If your dept checks the camera at that XXXX XXXX back parking lot, you will there stooges come within a hairs length of hitting our car and they have been doing so everyday! We appreciate all your departments help but we wo n't stop until these companies are brought to justice! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America I have noticed holds charges then submits to charge overdraft fees, example, I would use my debit on the XXXX for a burger and fry at XXXX, that transaction will hold 3 days then when account low, I become negative and they charge me, all my transactions are never in order.I was once charged a XXXX charge.I also filed a claim on a XXXX charge that wasnt r ight, I won it, recieved a letter stating its permanent for the bank to try and take it back out of my account and charge overdraft for it.Bank of America will hold transactions to charge fees.On XXXX I woke up and my bill pay went through, its XXXX, now at XXXX I go to the XXXX and buy XXXX $ eorth of stuff, you put yhat transaction before the bill from when I eoke up, so u can charge a fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was overcharged throughout XX/XX/XXXX and XX/XX/XXXX, and am possibly still being overcharged by Regions Bank on overdraft protection. I 've taken out " overdraft protection '', which is a loan that kicks in when I do write a check or checks that exceed my balance. However, I was still hit with overdraft fees, as if I was n't repaying the said overdrafts with a loan I 'm responsible for repaying. This has gone on through most of XX/XX/XXXX. I have n't over drafted this year, so I ca n't comment on where things are right now. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had XXXX accounts with XXXX that I signed up for in Texas. I was told yesterday XXXX XXXX 2015 that all Texas XXXX accounts were transferred to BB & T. I called BB & T and gave them my full social security number, my current address and my past address, the name of the company I work for and my mothers maiden name. I was told that I needed to provide the exact amount of my last deposit as well as my past XXXX transactions. I informed them I do not have access to my accounts anymore. I was told that the issue needed to be " escalated '' to a management personnel and that they would call me because BB & T would " expedite '' my claim. XXXX hours later and I still have not received any email or phone call from BB & T. I do not have access to any of my money from my checking account, my CD, my savings account or my business account. I never authorized my funds to be moved and now I have no access to any of my money. I am working for the XXXX XXXX as a XXXX in the XXXX so I am not able to show up at a BB & T branch and withdraw my money. I informed BB & T of my current location and the urgency there is in me having access to my money and as of yet I have heard nothing. 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion. refuses to remove previously deleted itms from my credit report. XXXX XXXX and XXXX remain in the negative accounts portion of my credit report. depite numerious attempts to dispute the inaccracies and chapter XXXX bankruptcy proof provided to trans union. transunion has refused to place ginnys and XXXX XXXX in closed accounts. Transunion also refuses to to place student loans ( US department of education, XXXX, and XXXX in accounts in good standing. defferment and/or forberrance documentation was submitted in numerious dispute attempts previously. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX of 2007, my name was listed second on a finance contract with XXXX to allow my former spouse to purchase her vehicle under the XXXX EMPLOYEE program. After numerous late payments by HER, the vehicle was sold for more than the balance with XXXX and SHE received the proceeds from XXXX.Again, I made none of the late payments, there was no " repossession '' from me, and I did not receive any of the money from the sale of the vehicle unlike my former wife. Despite my repeated requests to delete this account from my file, EXPERIAN refuses to do so. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX phone number XXXX Is asking for XXXX $ But they are paid in Full.. But it still on my credit report. Also Common Wealth Financial systems XXXX they are asking for XXXX Dollars. From a Hospital Emergency Problem I had with either XXXX and or XXXX. the hospital knew that I had XXXX through the VA hospital so their dept. is paid. But the doctor is asking for his money. I called the hospital they Have no idea who the doctor was. So at this point I do n't know how to talk to the doctor to explain that he can go through the VA hospital to get his money back. XXXX XXXX Hospital billing does n't even have this in their records. I do n't know what to do. I have insurance and the Govt. should have paid for this. I am frustrated Please Help 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a collection record on my credit report with Experian. This collection is regarding a medical bill. The reason that this bill is not paid on time is that I was never informed that I have this unpaid bill by either the hospital or collection company. 

First, I have never been contacted by hospital for this bill, and I thought it is paid by my insurance company. Second, after the bill was transferred to the collection company, XXXX XXXX, this collection company never contacted me regarding this bill as well. In fact, I never know this unpaid bill was existing until the landlord told me I had a collection in credit report when I applied the apartment in 2014. 

It is the hospital and collection company 's fault for not contacting me, while not my fault to refuse to pay it. My insurance company can cover the bill directly, so that I do not have motivation to default on it. Both XXXX and Experian have removed this wrong information after I dispute with them. 

Experian is the only agency that refused to remove it after I disputed with them twice. I strongly believe that Experian does not do their investigation and due diligence well, and allows this wrong information to continue shows on my credit record to indicate I had a bad record to pay the bill, which is clearly not the truth according to the facts I listed above. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is regarding overdraft fees that I was charged by Bank of America : I was charged {$240.00} for transaction overdraft in XXXX of XXXX, and {$420.00} in XXXX of XXXX. This is only the charges on my Bank of America checking account. I have a credit card linked to this account for " overdraft protection '' and somehow I was charged additional overdraft {$200.00} on the credit card side for the same transactions. I do n't know how that is overdraft protection when the setup gives the bank more opportunity to charge you bank fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was contacted by XXXX on a bank debt that I believe has already been settled. The number is XXXX CLAIM # XXXX. I agreed to pay off the debt however they insisted I gave them my account info over the phone and will not accept payment any other way. I am scared they are not a really company. I spoke with XXXX XXXX each time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted General Information Services to verify and validate the information that they have on record as it was incomplete or nonexistent. General information Services failed to provide the signed agreement between me and the original accuser that contained ANY facts that matched what they had in their database system. They did not change the status nor did they provide me with relief for the damages that they caused me. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I banked with wells fargo for 7 years, I had a credit rating of XXXX, I was married and my wife had a credit rating of XXXX. We applied for a small business loan of XXXX, we were going to co-sign. They denied us. We had combined income of XXXX per year and a business plan and experience. Fast forward 7 years later. I applied for a auto loan of XXXX dollars, this time with a credit rating of XXXX and proof that I was to receive XXXX dollars from a social security settlement and proof of income every month. They denied it, saying that my credit was too low. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Due to misrepresentation of services and fraudulent practices, we are stuck paying {$4900.00} lump sum in future monthl payments for a product we do n't use Due to misrepresentation, we were stuck in a 48 month contract that did not perform like promised. Now, we are expected to pay {$4900.00} up front. We started working with XXXX XXXX in XXXX 2015. XXXX XXXX promised in writing a 1 % rate on all CC transactions and 0 % debit card transactions. It was never disclosed that we would be working with another company ( XXXX XXXX ) We were also promised a XXXX machine that would be compatible with quickbooks for accounting purposes. We were sent a different model of key pad, but I did not complain since we were going to be saving at least 2.5 % ( 1.5 % more than promised in writing ) on all transactions. For the first few months, I noticed we were getting charged anywhere from 5 % to 9 %. After trying to get a hold of XXXX XXXX, I finally got a hold of XXXX XXXX of XXXX XXXX ( XXXX )? We had to settle for 2.5 % and 3.5 % that she refunded for a few months. Then it became difficult to get a hold of her, and we were not receiving any refunds for being charged 9 times more the percentage than promised in writing. I finally faxed a termination/cancellation letter to XXXX asking that we cancel with XXXX, XXXX XXXX ( I had just learned that they were involved in the actual contract ), and any other companies involved. I stopped payment being taken out from any companies that I did not recognize through my bank because we were n't using their services. I get a letter from XXXX XXXX about an amount owed. I called back and told them that it was cancelled due to non-performance and misrepresentation. They said that it was impossible to cancel. I was reported to the credit bureaus for non payment on personal and business and chased down by collection company Hunter Warfield. Now my business and personal credit is ruined for years and I am being forced to pay over {$4800.00} for a service that I have already cancelled and was n't performing like promised in writing. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: My loan with Bank of America has reached 78 % of LTV ( my equity is 22 % ). They are refusing to Automatically cancel my PMI. According to HUD documentation ( XXXX ), " The law provides XXXX situations in which borrower paid PMI may be cancel - it can be automatic or by request. Lender-paid PMI is excluded from these mandates, but requires an up front disclosure to the borrower about lender-paid PMI. 
The XXXX cancellation situations are : Automatic. In general, when the homeowner 's equity position reaches 22 percent of the original value of the property, the mortgage servicer must automatically cancel the PMI. The borrower must be current in making payments for automatic cancellation to apply. " According to CFPB documentation ( XXXX ) " Automatic PMI termination Even if you do n't ask your lender to cancel PMI, your lender still must terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. You also need to be current on your payments on the anticipated cancellation date. Otherwise, PMI will not be terminated until shortly after your payments are brought up to date. 

It 's worth noting a termination request is different than a cancellation request. Your lender must terminate PMI even if the principal balance of your loan has not actually reached 78 percent of the original value of your home - for example, because the value of your home declined. '' I have never been late on a payment, and have always paid extra principle. My loan is over 5 years old. 
The lender is basing their denial on the " scheduled '' date when I reach 78 %, which would not have been until XX/XX/2017, but since I always pay extra principle, that date has arrived sooner. 

Company response: Company chooses not to provide a public response
Consumer complaint: WHILE BANKING WITH BANK OF AMERICA I ASKED TO SEE SIGNATURE CARD AND WAS DENIED. DISPUTING FRAUD THAT WAS DONE BY AN EMPLOYEE THE BANK FAILED TO RESOLVE ANY ISSUE INCLUDING THEM GIVING ME CHECKS WITH WRONG ROUTING NUMBER. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have attempted several times to correct XXXX XXXX XXXX reporting on my own. They are in violation of the FCRA XXXX. They are not reporting information 100 % accurated dated and verifiable information. 
See the letters I have sent to the bureaus and the most current and original report. They have to permanently and legally remove information that is not reporting 100 % accurated dated and verifiable. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: on XXXX XXXX, 2016, there was an inquiry made by bank of america - from which I do n't know what type of source that it came from. I received a letter from Bank of America, i was denied. The only way i knew about it is because of the letter and also the inquiry on my XXXX credit report. I never did apply for a loan nor a checking account with Bank of America in XXXX 2016, the only thing i applied for was a secured credit card. Bank of america pulled my credit report without my consent. So the company is engaging in fraud and identity theft. There is mutiple inquires on my credit report. so i decided to file a compliant. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a letter in the mail from Linebarger Goggan Blair & Sampson , LLP claiming I owe {$97.00} to XXXX XXXX XXXX XXXX. First of all my name is not correct, and secondly I have not lived at the listed address of XXXX XXXX XXXX XXXX XXXX in eight years. That being said I have never recieved written correspondence regarding any debt owed to this so called " XXXX XXXX XXXX XXXX. '' and I dispute any validity to this claim as this supposed " collection firm '' is nothing more than a scam. 

Company response: Company believes it acted appropriately as authorized by contract or law