AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX XXXX, 2015, I filed an affidavit of fraud with Suntrust Bank, after reviewing my bank statement and noticing XXXX ( XXXX ) fraudulent charges for the period of XXXX XXXX, 2015. A total of {$940.00} worth of charges stemming from XXXX, Michigan was deducted from my account using my bank debit card information. After submitting the affidavit of fraud to Suntrust Bank, I was given a refund of {$120.00} for XXXX ( XXXX ) of the XXXX charges. I was told that I would need to contact XXXX directly to inquire about a refund for the amount of {$480.00}, in which I did, and XXXX was able to conduct a payment search, located the fraudulent charge and reimbursed the amount immediately. Suntrust Bank then gave me a provisional credit of {$460.00} for the remaining charges, which included a XXXX of XXXX amount of {$310.00}. Several days later, Suntrust Bank reversed the provisional credit all but {$120.00}, indicating that I have a past history of making payments to XXXX and shopping at XXXX XXXX. I do have a history of making payments to XXXX of XXXX XXXX XXXX, but NOT to XXXX of XXXX, which is were the fraudulent payments all stem from. I do shop at XXXX, but in the XXXX area, and NOT in XXXX. As such, I submitted a rebuttal to Suntrust on XXXX XXXX, 2015, and was then told that it takes XXXX days for the investigators to make a decision. I believe it is absolutely ridiculous that I have to fight a bank that I have been a customer with for over XXXX years regarding fraudulent charges. Further, it is beyond understanding why they were able to refund most of the other charges that were also made in XXXX, but refused to reimburse XXXX of the largest charges. 

Company response: Company chooses not to provide a public response
Consumer complaint: Johnson Mark XXXX is attempting to collect a debt which was outside of the statute of limitations. There was so attempt to contact me with updated contact information. The Law office claimed to have served me or a person at another residence and filed a lawsuit against me even though I was personally not contacted. The law office started to garnish my wages11 years after the account was closed. No additional attempts were made to contact me at my residence. There had not been any garnishment attempts made prior to this. Mark Johnson LLC has not provided me with written documentation of verification of debt, name, address of original creditor, statements, previous payments, or account information. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The debt is not mine I never had a contract service with XXXX, I had a prepaid service with them that is all. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A would-be creditor ( " XXXX '' ) has listed XXXX collection accounts on my credit report. Both claims are from employees of XXXX, of which XXXX. Aside from the questionable general legitimacy of these claims, I do n't think my personal credit report should reflect claims relating to employees of an XXXX. 

Thank you for the assistance. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America has continually, after many conversations with them, in branch and on the phone have refused to work with me on their fee schedule and/or finding a better account of mechanism of which to manage my money at their bank. Virtually every service has an account fee, up until recently even going to the bank counter. Its been an unfortunate experience as a student and somebody not yet making a significant amount of money, bank fees this year resulted in 2.5 % of my income being unusable by me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have tried to dispute information within my credit report on Experian 's website ( XXXX ) and have not been successful. The website takes you through a series of steps and then at the end when all of the verification is done and the dispute page is suppose to populate it returns a notice stating that the request can not be honored. Furthermore, at the end of the notice it explains that Experian will not return correspondence. Now how am I to get in touch with the agency? They have no phone number available so that you can speak to someone. The number provided only allows for XXXX options and that is to order a report or give access if you 're a paying customer of some kind of credit monitoring/credit score product. I have been able to dispute the other agencies of XXXX & XXXX because they do n't lock out people if you 're not a paying customer. There is supposed to be a number provided at least to handle issues like this. They can not just deny access to them when they are making your personal information readily available to creditors and others. I mailed them a certified letter and I have not heard from them at all! If they do n't reply to correspondence then how am I to overcome this problem I am having with them. The computer can not solve my problem, but a person can if could get into contact with one. This is criminal and absurd! They purposely do this so that it can drive a wave of paying customers their way. If you do n't pay then you can not talk to anyone within the company to resolve issues. Once the online system locks you out, if you can gain access, then you are deadlocked. Please enforce that they supply a number for individuals who they aggregate data about and share with others. They should not have ever been allowed to have such a setup. I am sure I am not the only one with such a complaint or problem. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been charged multiple overdraft fees to an account I have at Regions bank despite being opted out of overdraft coverage and being told any transactions would be declined instead of allowing the account to become overdrawn. This account is primarily used for bills and other small transaction so it never keeps a high balance. There have been a few occasions where my account has gone over, but I was not charged a fee because Regions is supposed to decline charges that go over and it is their error when it does. Or so I 've been told. 

On XX/XX/XXXX, my balance was {$30.00} and a charge for {$12.00} was made by me bringing the balance to {$17.00}. I was then charged a {$36.00} fee for unknown reason which overdrafted the account. Being unaware that I was charged this fee, XXXX more charges tried to go through. Instead of being declined, they were allowed to post to the account and I was charged an additional {$72.00} in fees bringing my account to - {$200.00}. 

No explanation was given to me for these charges or why they were allowed to post. They did, however, try to convince me to opt in for overdraft protection which would have done me no good. 

Now, on XX/XX/XXXX, I checked my account to find it overdrawn by {$49.00} because of an account adjustment the bank has done for reasons I can not figure out. A bill was paid for {$150.00} and a transaction for {$58.00} was deducted, leaving the account at a posted balance of {$0.00} as of XX/XX/XXXX. The adjustment was done XX/XX/XXXX with no explanation. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been working with Wells Fargo since XXXX to try to get a short sale approved. There have been at least XXXX occasions where the person that I have been working with for an extended period of time has gone out on leave and I have not been notified. No one bothered to check this persons messages or email and follow up with people that the person was working with prior to leaving. Additionally, my realtor has been reaching out to the negotiator at the mortgage company with questions about requested documents and no one has gotten back to to her. My buyer is still interested in moving forward, but does not want to hang around much longer. 

Company response: Company chooses not to provide a public response
Consumer complaint: I accepted a 0 % interest for 12 months balance transfer offer from USAA and set up automatic withdrawals from my credit union account so that the balance would be paid within those 12 months. I ended up paying off the balance about 4 months early and attempted to cancel, without success, the remaining XXXX payments. I had a XXXX balance on that card in XXXX, yet USAA still withdrew the payment. I contacted them, they said they would cancel the remaining payments but that they would " have to put a ticket in ''. On XXXX XXXX, they again took money from my credit union account when I had a XXXX credit. I contacted them again and requested that they replace the money into my credit union account and they said they were unable to do that. I will be contacting my credit union today to request that USAA no longer be able to withdraw funds from my account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I paid my auto loan on the website and received an email to my personal account with an alert stating that it was suspicious. I will like to know if a third party is receiving my payment. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In response to your CFPB I am sending you this. I am also filing this with CFPB. As you wanted proof and you did not include entire emails just what you chose to send. As stated XXXX did not even give me time to accept or reject the application as it was dated and sent by snail mail on XXXX/XXXX/14 and was not mailed out til next day. I did not receive it til after XXXX on XXXX/XXXX/14 I sent them an email directly after and called them and was told time had passed. This again was a violation from XXXX against the XXXX as you are to be given 14 days to accept or reject and they would not let me accept because it was after the XXXX date at XXXX so there was no time to go to bank, get notary and send. I tried multiple time to send in to agree and they refused. They purposely mailed late and then stated I did accept in time when there was no time given. Make sure you have the facts and I printed out all the emails and requests from XXXX which were obviously not used because it proves the violation right there. 

Here are the other items that you have continually not addressed as well and this is the 5th time requested. 
1 ) I have repeatedly requested a meeting with XXXX XXXX and he has never responded. To date I have left about XXXX messages with no response in past 3 months. I have yet to this date to ever have a phone conversation and have left numerous detailed messages and emails. 
2 ) I have never been allowed to access loan online and I have attached the copies of the about 15 times requested it locked me out as soon as I registered and has never given me access nor has customer service responded or helped. 
3 ) I requested appeal info from XXXX no response in 30 days and I sent in my own with tracking # XXXX ovenight. 
4 ) I have requested as per your email to have him send out another application which I will complete with higher earnings and I do not excessive obligations at all and my finances show that I can make a XXXX payment or higher and I requested other options such as repayment or forbearance and get caught up with extra payments within 6-9 months. 
5 ) So yes I am requesting a new financial packet ASAP and I have requested from XXXX but he has not responded. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have never received notification of this alleged debt of {$200.00}. I have no idea what it is for and why it is on my credit report. I demand immediate removal from XXXX. This has caused my score to drop unnecessarily. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was speaking a a XXXX XXXX about entering a debt rehabilitation program. I was explaining that I had no means to repay the debt at the moment but would appreciate if they could stop calling. I was later transferred to a supervisor named XXXX, she explained that this was a Federal loan and it had to be paid. She battologized the word " Federal ''. I explained to her that I have XXXX and the calls have been XXXX, that I would appreciate if they could lower the volume of the calls and I would pay the debt as soon as possible when I gain employment. She asked me for my debit card information and told me to speak with my family about helping me repay this debt without listening to me explain that I do n't have financial support at this moment. This incident left me scared, anxious and triggered a XXXX in me. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Item # 1 : XXXX - XXXX showing as Charge off is incorrect ; this account was paid in full in 2007 and never late. It is also 10 years old and should be deleted. 
Item # 2 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. 
Item # 3 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: contacted after business hours, left harassing voice mails, customer rep cursed and swore at me. Customer rep said we were going to jail. customer rep left a voicemail and did not identify who they were ... this is an ongoing issue with the company ... Westlake financial .... charges for fees that are illegal in my state. and clearly is listed as states that are not allowed to be charged fees ... purposely bounces my checks thru their system so that they do n't process to put me behind on my payment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been banking with SunTrust Bank, XXXX. They run all credit and deposits at the end of the business day. When they run debts, they start with the highest and go to the lowest. They do this in order to extract extra overdraft fees and not deny payments when your account is overdrawn. 

I recently had a situation whereby I had approximately {$450.00} in my account and a deposit of {$360.00} giving me a credit of {$820.00}. I had several withdrawals on XXXX/XXXX/2015 listed below : {$7.00} {$23.00} {$29.00} {$46.00} {$85.00} {$280.00} $ XXXX $ XXXXHowever, I made the {$280.00} withdraw late in the day and was not denied use of my bank card, so I thought I had enough funds to cover. But I accept that I was overdrawn. However, Suntrust 's computer withdraws from my account taking out the highest debt XXXX and in order to charge more bank fees. Because of this practice, I was charged {$38.00} on XXXX checks for a total of {$150.00}. Whereas if they started with the lowest debt amount, which is how it shows up on both my statement and online, I would have only been charged XXXX late fee of {$38.00}. 

The following day, I deposited {$200.00}, but due to the extra {$110.00} in fees, I incurred an additional {$38.00} late fee. 

While I am willing to accept responsibility for overdrafting my account, I find it fundamentally unfair that SunTurst, XXXX uses a method to extract the most fees possible and it continues to allow a customer to access funds when they are overdrawn. Had I been denied when made the {$280.00} payment with my debit card, I would have known that I did not have the funds to cover the charge and I would not have made it or I would have checked my account to find out why I did not have the funds. 

I honestly am not upset about being charged a fee when I overdraw my account. That is fair. But their calculation methods as well as their allowing me continued access to funds when they are not available without warning is not fair and I feel cheated. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an unresolved credit card dispute with USAA regarding a fraudulent transaction from XXXX XXXX XXXX XXXX in the amount of {$360.00}. In spite of documentation supporting my position that XXXX a refund in full, USAA is still billing me in spite of my best efforts to resolve the matter on the phone and on line. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a private loan that was consolidated in XX/XX/XXXX to Loan Science from XXXX XXXX. My cosigner and fianc died XX/XX/XXXX, the company worked with me on lower payment plan for the last 8 years. I was not aware that they would suddenly decide to stop offering a lower payment plan, or that once I had to pay the full payment, which is difficult as I care for my XXXX mom and still recovering from the sudden loss of my fianc, would be XXXX % of the payment would be going to interest, and that the interest rate would cripple me for the next 25 years. Private student loans are predator, and I feel as if I have been prayed on. With the current payment, I am barely able to provide for my family. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have an XXXX XXXX XXXX account on my report. i have submitted the correct paperwork provided by the XXXX XXXX XXXX. this account was fraud and should not be posted on my account. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I 've been having on-going issues with my automobile lender, Condor Capital. My primary issue of concern, is that the auto company took my loan off of my credit report while I was still making payments. Although I 've made monthly payments, it always appeared that I carried a balance, which in turn additional penalties and interest applied. So regardless of my monthly payment, I was always behind. Although I purchased my vehicle in 2012 for {$15000.00}, I still have a balance of over {$13000.00} after four years. There 's something terribly wrong here. Also, my car was repossessed this morning. I have n't received a phone call, an email, a letter in the mail - only to pay the bill, which I disputed because I had issues with the payments posting incorrectly. I can not understand how a company can operate under such pretenses. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Military XXXX XXXX XXXX move. We could n't sell the house so we leased to own. The leaser stayed for 6 years and left the home in poor condition. We are not able to continue payments or fix up the house to sell. We are currently in a review for mortgage help based on SCRA. In the mean time, our past due pmts are being reported and our hard work to build credit has been quickly taken from us. We pay on time and are good citizens. Now because we serve our country we get to deal with this. I am sorry we ca n't make the payments on the past house and our current house. I wish we could. If we did n't have to move, I would 've done everything I could to take care of our obligations, and I thought I was. Now we are stuck receiving minimal help and poor credit. Embarrassing! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: An apartment complex has sold a debt to Hunter Warfield in my name. However, I was never legally responsible for the apartment, I never signed a lease or any other legal document ; or entered into a verbal contract. While I stayed at the address temporarily, I am not responsible for the outstanding balance. They obtained my information from mail that was sent to the address. There is an individual responsible and that information has been given to the original creditor and Hunter Warfield. Both XXXX and XXXX consider the debt verified, however I know that there is no legal connection between myself and the debt, and they will not provide me with this verification. The reporting agencies and Hunter Warfield refuse to remove the account from my report and my next step is legal action, Plain and simple ; This debt is not mine. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Medical provider for my daughter referred a {$540.00} debt to I.C. System XXXX XXXX XXXX. I.C. System will only accept payment by credit card if it is processed through " XXXX, '' which charges a {$30.00} fee to process the payment. The effect is that it charges debtors a {$30.00} fee in order to pay their debts. My understanding is that this violates XXXX XXXX XXXX ( XXXX ). 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: To whom it may concern, I XXXX XXXX, tried to obtain credit report from credit bureau XXXX/XXXX/2016, but Experian credit bureau failed to probate it for second time via internet. I recently applied for a house hold good and it was denied base on Experian credit report on file and encouraged myself to review the file and be aware of what 's being display in my credit file. By law I have the right to obtain my credit file and verify the information bureaus are displaying is accurate or correct and that the decisions made by the merchants or bureaus are not based on my XXXX religion, my XXXX appearance, or simple because the bureau failed to encrypted and properly allow the system to reach it. It sounds cold but when they turned you down because of this decisions mentioned above sounds like the Law is being broken.. 

Thanks XXXX XXXX 

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