AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I deposited a {$5200.00} check at the branch on XXXX/XXXX/2016. The Branch manager that came to sign off on the check told me that it 's asking for a 7 day hold due to negative balance and past overdraw charges. The issuing bank for the check for the insurance company was XXXX XXXX and I told her I can go to XXXX and cash the check at the bank and deposit the cash do do n't have to wait 7 days, and then she said she would sign off for the funds to be available on XXXX/XXXX/2016. I asked her if she is sure, since I need to write bills and she said yes. On Monday XXXX/XXXX/2016 I called the Bank and asked why the hold was not released I was advised they are unable to release the hold until 5 business days after the deposit date and to call back Tuesday the XXXX/XXXX/2016. I called on Tuesday and was told to call back on Wednesday, so I called today on XXXX/XXXX/2016 and was still advised the hold will not be released until Friday XXXX/XXXX/2016. It has been already 7 days since the deposit and 5 business days and hold has not been released after I have been promised it would. I got another check from the insurance company and had to go to XXXX XXXX to cash the check and make a cash deposit of {$2800.00} on Monday XXXX/XXXX/2016 to cover the negative balance since the hold was not released on XX/XX/XXXX as I was promised and the account went negative and I was charged fees. The insurance checks were a payoff for my motorcycle and I 'm purchasing a new one with the proceeds I got. I want a refund for all overdraft charges on the account from XXXX/XXXX/2016, the date I deposited the check and I need at least XXXX of the funds to be available on Thursday XXXX/XXXX/2016 for my down payment. Otherwise, I 'm going to miss the incentive promotion that the dealer has going, XXXX off the value. 

Company response: Company chooses not to provide a public response
Consumer complaint: I took out loan thorough Best Buy c.f. for no interest if paid before XXXX 2015. I set up payments through bill pay at my bank to insure prompt complete payment. For some reason, the last payment was short something like {$0.00}. I hear nothing more for 3 months until I happen to see an e-mail from Citi Bank and a bill for {$160.00} and change. I call to see what the problem is and I do speak to plenty of people at the bank. They were quite gracious in reducing the bill to {$120.00} and change. I now realize that there were calls on answering machine that were unintelligible, and this was probably them, but I still do n't know. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: A bankrupcy is showing on my creidt report when I did not end up going through with a bankrupcy. At the time I couldnt find a job and without income I thought filing bankrupcy was the only option I started it and that same week I found a job that would allow me to pay my creditors back and allow me not to go thru with the bankrupcy so the judge cancelled the bankrupcy out and no action was ever taken. I provided the federal court documents to XXXX they did delete this from my credit file but XXXX wrote me a letter stating they would not remove witch is affecting my credit worthyness when no bankrucy ever occured no debts were charged off or dissmissed? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I recently tried to purchase a car and when my credit report was pulled up. It showed that I was on collection/public record with XXXX. A company that I have never done business with. Ever since I started driving my insurance companies have been XXXX and XXXX. I suspect that this may be someone else with my same name. I have n't been able to access any of my annual credit reports and I have the same suspicion that someone with my same name. Every time that I tried requesting my reports it would tell me that my information was insufficient to confirm my identity and match my credit. I desperately need a car but I refuse to be given an interest rate based on credit scores that do not accurately represent me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been working with Bank of america for years now they have lied numerous time to me, they switched a really good modification on me without even asking me or even telling me the reasons why, even though i made 3 trail payments. and later they said they were going to fix it and they never did, and the payments were a lot more higher then what i was informed, due to that i had to default on my payments. Now im being told my house is being sold even though i provided proof to them and they are very rude and inconsiderate and would never let me speak at all. I will provide a letter of complaint that I faxed over to them because recently i was lied to again and i was told there was a proposal made for me but that was not true, they only made a proposal to the investor and I was n't supposed to know this information. they gave me the information on how much it was supposed to be and even the Assistant Vice President from the Bank of American who was XXXX XXXX even confirmed that I qualify for a modification with my income and expenses, he could n't even understand why i did n't get qualified for a new modification and they were denying me assistance, and he even escalated my case from his end with no positive results. I 'm Attaching the complaint letter that I send to Bank Of America, and the proof of modification that was given to me and they never honored it and they changed to terms of the modification without even letting me know. Even though i made the 3 trail payment which was {$1200.00} on these dates XX/XX/2010,XX/XX/2010,XX/XX/2010. 
I had nowhere else to turn and hopefully I can be assisted by your organization. 
Thank you for your consideration. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: After attempting to join the United States XXXX XXXX, I was informed by my recruiter that i have a collection agency that I owe Money to. My recruiter then faxed me a copy of my credit report, that stated I had an unpaid debt of {$420.00} to XXXX, that had gone into collection. The problem is I as well as my family have never owned a XXXX phone, or used there service for ANYTHING. I am a XXXX year old male, and the report states that the debt owed went into collection in 2013, at which time i was XXXX about to turn XXXX. A minor can not buy or even apply for these services at that age. In conclusion due to the fact I have an outstanding debt for a service I have never used, my application process to the XXXX XXXX has come to a complete halt, and can not resume until this debit is taken care of. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX XXXX XXXX is reporting wrong information to my credit report. XXXX XXXX XXXX XXXX XXXX needs to delete the wrong information on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed the XXXX XXXX XXXX on all XXXX of my credit reports, since they were included in my Chapter XXXX Bankruptcy, and the Credit Union refuses to acknowledge that my account should be removed from my report ( It has been over 7 years ). Experian is the only bureau to refuse to remove it until 2018. ALL proof of my bankruptcy has been removed, but they said they would not remove it. I was warned by my attorney that the XXXX XXXX XXXX would deliberately attempt to create issues for those who have had to declare bankruptcy. Unfortunately he was correct. I have spent months cleaning up the discrepancies caused by the Credit Union, with only XXXX issue not fixed ; Experian 's report. Can you please ask Experian to co-operate and remove all the derogatory information from my report? I have been current on all my accounts for over 7 years now, and I very much would like to clean up my credit totally and move forward with our lives, financially. Thank you very much. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Annual Credit Report Free from Experian, No can do.??? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am XXXX years old and SLS has lied to me and is trying to sell my home even though they have a complete package and are reviewing me for a modification. SLS confirmed that they have a complete file but no point of contact has been assigned to the case and they are not placing the sale on HOLD. 
Additionally, XX/XX/2015, I had explained to SLS the hardships that I endured due to my illness and increased medical expenses and they promises to lower my interest and then next thing, my home is in foreclosure. I am XXXX years old and have been in this home for 26 years and this is where I will die. I do not want to be a burden to the state or other tax paying citizen. I AM WILLING to pay my mortgage and had they kept their promise last year I would be paying a mortgage and not facing foreclosure in two days. Now, for a week they have had a full modification package and are reviewing me but are not placing sale on hold or postponing. Please help me as I have no one, All of my family is dead. I worked hard all of my life and SLS should not be allowed to kick out XXXX citizens into the streets especially after promises were made and after they are blatantly failing to comply with CA homeowner bill of rights. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been in your home for XXXX years and have an FHA Loan. I have a solid previous payment history and in XX/XX/XXXX you lost your job. Within a week of losing my job I filed for Unemployment benefits and contacted the Mortgage Company ( FBC Mortgage ) for assistance. I called and spoke to several agents, requested a loan mitigation package, and filed all the paperwork that the bank requested. And yet, when I called for a status Friday XXXX XXXX XXXX, I was informed that they have put me into foreclosure, without resolution. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: To whom it may concern ; I appreciate the email dated ( XXXX/XXXX/XXXX ) addressing some questions ; but avoids the real issues. As a consumer this is how it looks ; 1. We decided to participate in the XXXX XXXX program with the understanding that the award miles could be used to book flights with the XXXX partners ( XXXX ) under their current advertised mileage per seat/class. To our destination one way is XXXX miles for XXXX XXXX. 
2. We qualified for booking on XXXX/XXXX/XXXX or 332 days prior to our scheduled flight date of XXXX/XXXX/XXXX. 
3. Since this date, I have called every day to be told that XXXX does not have any inventory available, unless you book non-rewards. It is evident that availability is there, but not for REWARDS travel. 
4. I am told that AA has mileage rewards and can be booked at a higher cost ( more than doubled the cost ) at XXXX XXXX way for same class. 
If this is a partnership under one program, or advertised as such, and XXXX allows to book on their flights using mileage rewards at a higher cost, but XXXX does n't, then the consumer ( s ) in the program is forced to take the higher cost reward. In the real world, this is called " extortion ''. 
And of course, the award mileage levels will change on XXXX XXXX, XXXX. So, I would assume that any inventory that might become available would be after XXXX XXXX, XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a XXXX credit card that I was unable to make payments on, and it was charged off back in 2008. In XXXX of this year, I started receiving phone calls from XXXX XXXX, a debt purchaser. I contacted a lawyer, who informed me that the statute of limitations had expired and that I could no longer be sued or pursued for the outstanding balance. The phone calls continued, and they became more and more threatening ; and calls were also made to some of my family members. I again contacted the lawyer, and he decided to take my case and initiate an FDCPA suit against this company. During his research, however, he found that there had been numerous judgements against XXXX XXXX, but that they had never made restitution to the plaintiffs. And though he felt that he could win the case, he doubted that he could make any money off of the case and therefore decided not to pursue it any further. Around this time, XXXX XXXX reported a collection activity to TransUnion ; and my credit score was immediately affected. I disputed the item with TransUnion, but all they did was ask XXXX XXXX if it was valid and uphold the charge. I contacted the XXXX XXXX XXXX, but XXXX XXXX failed to respond to the query, so it was closed. ( I did receive a mocking voicemail from XXXX XXXX in response to the XXXX query, however. ) I am now filing a complaint with the CFPB in the hopes that you will recognize that this charge is outdated and that adding it to my credit report is nothing short of criminal. Transunion needs to be held accountable and pay closer attention to who they are accepting credit information from. Please look into and advise. 

Company response: Company chooses not to provide a public response
Consumer complaint: I specifically instructed the debt collector to cease contact with me, and they have continued to send me harrassaing letters demanding money from me that I do not owe to them. I have no business with Unique Management Services, and I have told them this. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: In early XXXX my family had a health crisis so my credit utilization spiked. Twice in XXXX XXXX raised my credit limit and my home depot credit card raised it once because of the falling utilization ratios. In XXXX XXXX, XXXX I made a {$2000.00} payment to my Citi Simplicity card. Then a few weeks later I did a cash advance and on XXXX XXXX i made a {$500.00} payment. The card was below 50 % Utilization. Then on XXXX XXXX they sent me a notice that my debt levels are too high and for this they are cutting my limit in half to {$1700.00} which put my utilization at close to 100 %. By XXXX XXXX I had payed {$12000.00} dollars worth of debt back to my XXXX credit cards and a personal loan that was taken out. My credit score then was above XXXX. Now because of the cut in the card it is now in the high XXXX 's. As a result my auto insurance which is based off of credit went up {$100.00} despite having a perfect driving record. This also disqualifies me from purchasing a home as the minimum is XXXX credit score. The attached documentation shows that XXXX XXXX raised my limit and the other documents show why and when Citi lowered my limit. I do not understand why XXXX credit card will raise my limit twice in one year but XXXX will cut it after I pay it down to 50 %. They have to know that this hurts your credit rating. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am refusing to pay the $ XXXX.I am requesting the the {$9.00} be reversed and credit to the account asap.I did n't know the check was fake or counterfuit.I am not paying the account ending in XXXX.I never received my check book wallet I ordered.I am unable to use the checks due to the account being closed and I did n't authorized TMOBILE TO G INTO MY go into account.I told them to stop all payments transactions.I told them to cancel all orders.I told them I did n't want to use my account anymore for payment.I am requesting these charges be reversed and brought to a XXXX balanced.Wells Fargo praticesare vert manipulative and deceiving.They ended my banking history over a conterfuit check ididnt write or deposit into my account.I did n't deposit that check into my account.A scam artist who I through was a real true private lender. 
I am requesting a full investigation into evil wicked unprofessional non sensitivity pratices of Wells Fargo.I am a very progressive law student who is very aggressive about corporation respecting and honoring their customers.I am going to give you 30 days to fix this very important matter.If it is n't fix.I will file a XXXX Dollar Federal Class Action Lawsuit in US District Court.If I am on XXXX.I am requesting to be taken off immediately.This is a complete violation of the Fair Debt Collection Act and The Fair Debt Reporting Act.I will also be filing a complaint with the Federal Trade Commission.I am asking for the a internal investigation. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Hi, I am filing an erroneous credit card payment delay to Macy 's. 
I signed up for Macy 's credit card in the store and made purchases ; however, I never received either the bill or my original card, until Macy 's called. I immediately made payments over the phone. 
Today, I found out that my credit dropped by XXXX points because of a late payment. There is no way I could have avoided the delayed payment because I never received the bill. I called and spoke with Macy 's customer services, and they agreed with the situation. However, I have a problem connecting Macy 's with the Credit Beauer. I want to be a happy Macy 's customer again, and please assist. 

My information ( no credit card info because I never received the card ) : Name : XXXX XXXX Last XXXX Digit of Social : XXXX Date of Birth : XXXX Address : XXXX XXXX XXXX XXXX . XXXX XXXX, IL XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was approved for a 12 month Unemployment forbearance plan for my mortgage starting on XXXX XXXX. On XXXX XXXX, XXXX it states " Your payments may not be accepted until the signed agreement is received in our office ''. Enclosed are monthly statements from the mortgage company showing my payments have been applied and posted. I received a call XXXX XXXX from a new relationship manager, If there was an compliance issue at that time should I have not been told or aware of. After 5 months of consent cooperation, I received a notice that my account was denied due to necessary information not received that was previously requested. I than had 14 days to appeal this matter. I appealed the matter and Appeal request decision remains unchanged. In XXXX XXXX, I received XXXX XXXX back with stated reasons. I have submitted another Unemployment Forbearance since XXXX and still no decision. The Mortgage company has me just sitting around waiting feeling like a sitting duck waiting on Foreclosure of my home. I have offered to make my monthly payments and was told if its not 6 months are more it will not help me to sit tight and wait for a decision to be made. In the Appeal decision it stated that my relationship made could not contact me about this issue, I spoke to both relationship mangers in the months in question and feel like my mortgage company is in BREACH OF CONTRACT. Enclosed will be all supporting documents. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have now gotten XXXX calls since XXXX this morning and it is noon. This is extremely excessive and I told them last week and the week before what is going on. I am getting over a call an hour and its stressing me out and keeping me from working. I have asked them multiple times to get the call count down, my account is only one month late. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am filing this complaint today against Jefferson Capital LLC because my credit monitoring service notified me on XXXX XXXX, 2016 that a collection was placed on my XXXX and XXXX reports by them. I have never heard of nor from this company and I have never entered into any legal agreement or contract to do business with them. Furthermore ; the debt they claim I owe them was illegally purchased and furnished on my credit file without my consent nor an opportunity to verify or validate debt per FDCPA. The debt has been previously deemed unverifiable and was removed from my credit file due to another illegal purchase once before. I have reached out to them and have asked them to please remove the unverifiable negative item from my credit reports and have been ignored so far. Please resolve the situation as soon as possible. Thank you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Experian is posting data on my credit report that is outside of the statue of limitations in the State of Ohio. 
Account : XXXX XXXX Date opened : XXXX/XXXX/XXXX Today 's date : XXXX/XXXX/XXXX Statue of limitations in Ohio : 7 years Time reported : 8 years and 22 days 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had a XXXX procedure done so I could not pay my Macy 's bill on time. So I called Macy 's and set up weekly payments, Macy 's has been taking out {$60.00} out of my bank account for the past 3 weeks. Before I agreed to this they Promised me my credit wo n't go down. They lied! I just got an email saying my credit score went down XXXX POINTS because of this. I want my credit score back up or for Macy 's to wipe my Balance clean! I will contact a attorney if I have to I do n't appreciate Macy 's lying to me about my credit! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Both my auto loan holder CNAC XXXX, WI and my insurance agency ( XXXX ) take their payments up to a week early on a regular basis. Also as a part of the purchase agreement XXXX XXXX was to replace the front bumper of the vehicle of which I have complained about for two years now with zero results. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My Credit Report was Wrong and was fraud and ai Never Live In XXXX Florida and My Personal DL, SSI Card, Birth Cerficate Was Stolen I Did a Police Report At That Time Birthday They Use Was Wrong Also Someone Put A Credit Card XXXX Card For Credit Limit For XXXX That Was I Freeze all XXXX Credit Companies I Was A Victim also My Husbrand Too XXXX XXXX Same for Him Also Plus They Also Saiding I Never Paid Off My Credit Cards Consumer was me Me and My Husbrand Paid Off Cards and Closed Them. All This Negatives Stuff Cause Me Not To Get A Apartment and Information Is Not Updated Either And That XXXX Are Fraud They Were Sued Going To Court Saiding People Them Not Truth Investgate right way!!!!! 

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