AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: my bank the BECU decided to take my SSA treasury state check well it was n't a check it was wired funds external wired funds and I 'm mentally XXXX I go to compass health in Washington XXXX XXXX XXXX. I had a bank representative from this number and is on a recorded line because they record their phone conversations XXXX And they have a recorded phone call me talking to a representative from Boeing becu representative bank teller person over the phone and he told me and guaranteed me that the bank could not take that check funds from me. The representative bank teller person over the phone and he told me and guaranteed me that the bank could not take that check but the BECU bank in XXXX wa still proceeded to take the funds from my checking account from the ssa treasury and XXXX. so the bank BECU Boeing In XXXX wa took it from me illegally I even contacted Social Security and called their number and they also told me that the bank can not take my SSA treasury check that I get monthly so I do n't understand how they get away with that and I stuff the contact Social Security to do a complaint and do a claim to proceed to get my funds back that they took I even contacted Social Security and called their number and they also told me that the bank can not take my SSA treasury check that I get monthly so I do n't understand how they get away with that and I stuff the contact Social Security to do a complaint and doing the file when they should n't have considering someone from the banking of us bank from the number XXXX told me and guaranteed me on a recorded line phone conversation guaranteeing me and telling me that they the bank in XXXX Washington BECU Boeing that they can not touch that or take that funds for me out of my checking 

Company response: Company chooses not to provide a public response
Consumer complaint: I already paid in settlement my original creditor XXXX, Nevada XXXX. but my credit report in Experian shows account is still in collection as of XXXX 2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: I HAVE WAITED XXXX MONTHS TO RECEIVE MY REWARDS FROM XXXX BANK AND HAVE COMPLAINED TO THE CFPB AND BBB .I RECEIVED A LETTER FROM XXXX XXXX PRES. OF BANK THAT I WOULD RECEIVE MY REWARDS WHEN MY STATEMENT PERIOD CLOSED XXXX XXXX. I SPOKE TO A CLERK AT THE BANK, XXXX, WHO TOLD ME THE REWARDS WOULD BE POSTED TO MY ACCT.ON XXXX. I CALLED THE BANKTHIS MORNING AND THEY TOLD ME I HAVETO WAIT AN ADDITIONAL XXXX WEEKS. 

Company response: Company chooses not to provide a public response
Consumer complaint: The Fair Credit Reporting Act entitles each consumer to XXXX free disclosure every XXXX months from each of the major credit reporting agencies, XXXX, Experian and XXXX. In XX/XX/XXXX I requested a copy of my free credit reports from XXXX, Experian and XXXX XXXX. I only received the credit report from XXXX. 
I attempted today, XX/XX/XXXX, to request a credit report from XXXX for my Experian and XXXX XXXX reports and received the message that I 'd already received my free credit report for the year. When contacting XXXX XXXX XXXX and the XXXX ( XXXX ) agencies mentioned above by phone, there are no options to suit my current situation. Thus requiring a letter be sent instead. However, neither XXXX or Experian list an address suitable to my situation leaving me to choose XXXX that may be incorrect. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an account with BB & T Bank. When I opened my checking account I specifically stated I did not want them to process any transactions that would send my account into an overdraft status. I clicked on the " opt-out '' link. BB & T allowed many transactions to go through on several occasions which resulted in exhorbitant overdraft fees. I paid BB & T for some transactions. I even spoke to a representative who stated she saw where I " opted out '' and she refunded my money for this. However, BB & T continued to allow transactions to go through and now they are trying to collect these funds from me. I have spoken to several representatives in customer service trying to resolve this matter but to no avail. I do not believe I owe BB & T any money because of their negligence. I want them to cease all collections activity and to remove all disparaging information from Chex Systems, Telecheck and any other consumer reporting agency that they have reported this information to. It is not right for them to disparage consumers based on their negligence. 

Company response: Company chooses not to provide a public response
Consumer complaint: I forwarded one of my tax bills to SunTrust Mortgage. They only paid aportion of the bill, and I was assessed fine/cost of {$280.00}. I contactedthem about this and they told me they would refund my account for thedifference because it was their error. After several months and severalmore phone calls I have still not received a credit to my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: On the advice of the FBI, I 'm sending this complaint on to you. How do I report a teller for applying for a credit card in my name without my authority? On XXXX XXXX, 2015, I made a deposit with a teller at a drive through window. She informed me that Suntrust no longer used the type of debit card I had and that she could obtain me a new debit card. She asked me for a lot of personal information which I questioned and she insisted she needed the information, and she said she could not hear me from the car and insisted that I write down information for her. On XXXX XXXX, I received a letter from Suntrust regarding an application for a credit card and I did not recall the deposit or debit at the time. I called Suntrust and informed them that I had not applied for a credit card, and they said they were putting an alert on my account and would get back to me. It had been a couple of weeks, and I realized I had not gotten the new debit card, so I became suspicious and checked out the receipt from my deposit, and the deposit was the same date as Suntrust claimed I had applied for a credit card. Tonight I called Suntrust and the manager, XXXX, confirmed that the teller had applied for a credit card on my behalf on XXXX XXXX, 2015. Why? All I did was make a deposit - never asked for a credit card, and the teller gave me a long spiel about my debit card no longer being used by Suntrust. I already have XXXX Suntrust credit cards. I do not know what amount the teller applied for or what gave her the notion that she could fill out an application without my knowledge. I am highly concerned that the teller committed blantant fraud as she explained that she needed me to write down information so she could obtain the card for me. Let me assure you, I am clear that she lied by telling me she needed information to obtain the new debit card because Suntrust no longer used the type of debit card I had. She went out of her way to lie to me and then to fraudulently apply a credit card. I believe she has probably scammed other customers, and I wish to have her brought to justice. I reported the information to the manager on duty, and I beg you to investigate please. I do not have my deposit transaction on me today to upload, but the Branch information should be on the receipt. Best regards 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed bankruptcy Chapter XXXX and most f the items on my credit report has fallen off and states that it was resolved in Bankruptcy but there are XXXX items that is still showing thaat it is in collection and its XXXX car repos. I 'm trying to build my credit back up and its hurting it. 

Company response: Company chooses not to provide a public response
Consumer complaint: Repeated calls after being on the " DO NOT CALL LIST ''. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XX/XX/XXXX We needed new utility service my wifeI was notified we had an old debt for utilities my wife was told we had to contact collection agency to which my wife did she called XX/XX/XXXX and spoke with XXXX XXXX who verified the service address to which we owed money for she was told by XXXX we could split payment up and then was given a confirmation number to which we had to supply to utility company for even being able to start new service-once utility company verified payment with collection agency our new service was started-Now over a 2 years later after reviewing both of our credit report we are both surprised to see where this debt still remains on our credit reports as unpaid as well-when I researched I discovered Collection Associates the collection agency did NOT apply the money we authorized for utility company debt to be paid but instead Collection Associates paid an ALLEGED debt we knew nothing about nor have we ever acknowledge-So we contacted Collection agency via emails along with emails to utility company asking this to be taken care of-the collection agency response was for my wife to call them-my wifes response to them was no seeing how last time she called you screwed that payment up-I did call the collection agency to which this was to be all taken care of and as of todays date it has NOT-Collection Associates withdrew money out of our bank account and applied money to an account we did not authorize the money that was withdrawn to be applied towards-when Collection Associates was notified of this they want to dispute any Wrong Doing they done-I also requested that they pull phone conversation up to which XXXX and XXXX on XX/XX/XXXX at XXXX and XXXX both said they would not do-I also requested that the phone conversation he was having a copy be mailed to us and I was denied this as well-XXXX also told me on the phone conversation of XX/XX/XXXX that their err of Collection Associates would be removed from our credit reports and as of todays XX/XX/XXXX date this has not been done nor has there been any copy of conversations mailed to our address as we requested-We want this collection agency removed from our credit files-if they pull up the conversations and mail them to us this would be proof our our account was paid and this collection agency made MISTAKES-needs to removed via the collection for XXXX that we ow {$0.00} to and ultility bill {$0.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: The collection agency has contacted my father regarding my debt. It appears they discussed more than just my location with my father. I never gave them authorization to communicate with my father. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was an XXXX XXXX grad of XXXX XXXX, Michigan and recently was informed of the CFPB 40 % reduction deal for students with Genesis loans. I was told the reductions would be automatically applied to my accounts. After a few months with no reduction, I called Genesis and was told that the government decided which loans were to receive the reduction and apparently my loan was not XXXX of them. Is this the case? 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: We had our home loan servicing transferred from XXXX XXXX Mortgage to PennyMac effective XXXX XXXX, 2015. 
We paid our mortgage of {$2600.00} to PennyMac and they acknowledge it. When I go to their " new '' website, the only have applied the Principle and Interest totalling {$1700.00}. The balance of {$890.00} which should be applied to escrow is missing. When I contact PennyMac I get to a call center in Texas who tells me it is there, although on their website it shows zero. When I ask for documentation they say they do not have E-Mail ( Really, in 2015??? ) and can only send a snail mail letter. My complaint is that there is no one and no way to contact anyone at PennyMac to discuss this. I tried to reach their office in XXXX Ca and I am transferred back to the Texas Call Center. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Mortgage Company ( recommended by our builder ) has now made XXXX hard inquiries on my wife 's and my credit report. We were under the impression that by signing the paper for them to pull credit, this would be done XXXX. The mortgage company is now trying to dictate the closing date to us even though the house is nowhere near completion. They are once again requesting excessive paperwork for the loan ( that has been provided now XXXX in the past ). I would only assume that since completion of the project is still almost 3 months out, they will again pull a hard inquiry on both of our credit reports ( lowering the score and we are both in the mid to upper XXXX ) causing the interest rate on the final mortgage to be higher for the next 30 years. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been stolen from for XXXX years from bank of america HELP!!! XXXX XXXX, I 'm scared. Ca n't get any help. Have all documents. There fraud dept, is a separate mess. Please help. I am XXXX. On ssi.They have taken XXXX checks from XXXX XXXX to XXXX. And all savings..TheyThey even opened an online account in my name.I know who the players are..do not deal with personal bankers. Get out of bofa.Now.. I am XXXX. I had to learn the computer, enough to find things out.also, they stopped statements. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, XX/XX/2015 my father and I went to USBank XXXX XXXX XXXX XXXX, CA XXXX to apply for an equity loan with our Florida XXXX House as collateral if needed. My father 's XXXX house at XXXX XXXX XXXX XXXX XXXX, Florida is appraised for {$750000.00} and is paid for. We were applying for {$60000.00} for repairs we 're been doing since last XXXX. XXXX XXXX and XXXX was assisting us with collecting the information we brought with us to the bank ( w'2 's and property tax for Florida property and income statements. We were told that it takes about XXXX days for process to be completed. I received a call on the same day XXXX/XXXX/XX/XX/2015 at XXXX XXXX. from XXXX stating the loan was denied and he did n't have a reason as to why. On XXXX/XXXX/XX/XX/2015 I went back to the bank and XXXX told me that the computer denied the applicatin, and still no reason was given. We feel as if the loan was never given consideration. Unfair practices and when I call and insisted on a denial letter or reason, none was given. WE are XXXX XXXX and have combine income over {$7000.00} monthly income. We are able to repay the loan and other information was never collected or considered. I 'm requesting an immediate investigation be given against XXXX XXXX and XXXX at US Bank and the denial be overturned immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had applied for a student loan in the past but did not receive the loan. They have it on my credit report as a hard inquiry which is preventing me from getting future loans for my last year of school. I am asking for that to be removed 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I deposited to my account {$500.00} via my iphone on XXXX/XXXX/2015 on XXXX/XXXX/XXXX my deposit was to clear. A check came in for XXXX and the bank decided to pay the check XXXX, then charge me {$36.00} OD fee, then release my Funds instead of releasing my funds XXXX then pay the XXXX check. I contacted the BB & T was told told that they do not have to release funds XXXX I should have made sure I have enough funds to cover my checks. Other banks I bank at when I do check deposit by iphone, they make the monies available up to the XXXXt {$1000.00}. This bank takes as much days as a counter deposit, if not more. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a written dispute regarding a previous credit card account that reported me 30-days past due for one month 's charges. My recent credit bureau score report labeled 'Account 30 days past due ' that I am requesting to be reviewed and expunged. 
XXXX XXXX & XXXX : 30 days past due in XXXX 2013. This account was a part of my college loan package. Quarterly payments were made. There was miscommunication as to a late fee accrued of {$6.00}. I had spoken to them at that time regarding this late fee and avoiding being reported to the credit bureau. Large amounts of loan payments had been consistently made, I was not aware of the {$6.00} fee that was apparently accrued. The billing services did supposedly remove this fee at time of the quarterly payment, which was paid in full represented by the statement at that time. They did not subsequently remove the late notice and the time continued to accumulate, even though the quarterly statement was paid. They of course retained the idea they were not responsible for this error and unwilling to entertain any modification. The account was paid off and closed very soon thereafter. This is a perfect example of why millions of college students progress into more debt, dealing with loan companies with irresponsible behavior and now involving wasted work time and money of submitting a complaint. I did speak to this company directly, as well as submitting a complaint through the credit score bureau, neither of which providing benefit. 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted a dispute on inquiries that were XXXX and XXXX times by the same people with the same address and name some only a day apart but after the dispute instead of deleting some of them ( XXXX ) they doubled ( XXXX ) them and now my score dropped XXXX points. All XXXX Credit companies are the same they do what they want some one puts something on your report and even if its false its like pulling teeth to get it off. You either have to live with it or pay someone to try and get it off and not everyone ca n't afford {$80.00} a month. I live in Florida and not XXXX of those companies are here so they do n't abide by the new laws of our bankruptcy as I filled and was reported XXXX/XXXX/2011 and since I 've try to rebuild my credit it was XXXX before I contacted XXXX now its XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a chapter-XXXX in XX/XX/XXXX and it was discharged in XX/XX/XXXX ( see photo ). I have not acquired any new debt with XXXX since my filing in XX/XX/XXXX. They refuse to update my account as paid and/or discharged in bankruptcy and they continue to report XXXX open/active unpaid collections. I have been turned down several mortgages solely from their false claims. 

Company response: Company chooses not to provide a public response
Consumer complaint: I ordered my free annual credit report from Experian. I also decided topay {$4.00} to obtain my FICO score. I received both. Experian then usedmy credit card info to bill me {$19.00}. I do n't know what for and theyrefuse to tell meunless I give them my social security number and birthdate over thePhone - in addition to my name. I gavethem my name and SS # but birthdate too was too much to divulge to strangers over the phone. They have no contact for billing issues. I saw multiple complaints for the same issue from others online. It looks like they are signing people up for services without authorization andthere is no way to address it with them. If you do n't pay, they 'll destroy your credit rating. I am trying to dispute it thru my credit card co but Ido n't know if that will be successful. I could use some help. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have never actually talked to anyone but they constantly call over and over! 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Filed BK in XX/XX/XXXX at this time the law provided for assuming loans you planned to fulfill and not discharge. I did so for my newly leased Nissan Altima in XX/XX/XXXX. 39 months later I discovered that all credit bureaus were listing this as discharged and XXXX as status pending early termination. I filed suit against them after repeatedly attempting to resolve it accurately and have a settlement in my favor from XX/XX/XXXX. Unfortunately, the credit bureaus still have not corrected it and show it as early termination, and discharged through XXXX. My 39 months of regaining good credit history, making every payment on time as agreed to fully meet all obligations shows nowhere. I have been trying to purchase a home, then even leasing proved to be impossible and very challenging respectively. 

Company response: Company chooses not to provide a public response
Consumer complaint: PayPal had limited my account last year and I had filed a complaint with CPFB, to which PayPal had responded. In such CPFB case Case number : XXXX, XXXX XXXX ( PayPal Operations Counsel ) had mentioned that my funds would become available on XXXX XXXX, 2015 ( 90 days from last payment ). However, as of today XXXX XXXX, I 'm not able to withdraw the funds. I contacted PayPal personnel and customer service several times and requested them to resolve this, and even provided them a copy of this letter. However, they refused to help me in violation of XXXX XXXX ' promise and commitment. They told me that his promise and word does not hold any value, and PayPal 's generic policy is superior to his promise/written commitment. They informed me that XXXX XXXX did not notate my PayPal account ( XXXX ) so that the funds could be released on such date, and I do n't know why. I ask XXXX XXXX to correct this and make my funds available to me as promised. A copy of his previous letter is attached herewith. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: While XXXX I attempted to make a larger than normal payment to a lender which resulted in my overpayment of what the lender was allowed to accept on a monthly basis. This resulted in my cancellation of recurring bank allotments to the lender under the impression that I had paid my account in full. The lender failed to notify me not only that I had over paid them but that they were charging me fees for the overpayment. This resulted in a 120 day delinquency being reported on my credit report. Once I returned from XXXX I received an email from an individual from the lending company that was assigned to identify the reasoning behind my large gap in payments after a previous perfect payment history. Once he informed me of what had occurred, I repaid the past due amount in full and the account was later closed 

Company response: Company chooses not to provide a public response
Consumer complaint: Unable to refinance my high interest mortgage with SunTrust bank for years because SunTrust mortgage made a clerical error on XXXX data and have not made substantial effort to correct the error. Meanwhile I kept paying Sun Trust Bank the high interest mortgage rate. 

Company response: Company chooses not to provide a public response