AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: This Complaint is filed against the US Bank XXXX XXXX XXXX, XXXX XXXX, Nevada, for the continued harassment made against my checking account 's Overdraft Coverage since XXXX XXXX, 2015 and continues. On XXXX XXXX, 2015 several overcharging Overdraft Fees, of {$36.00} each and an Extended Overdraft Fee {$25.00} were refunded to my account because the US Bank already have collected such fees. Consequently, the action made by the US Bank to overcharge my Checking Account with additional fees demostrates a desire to inflict me with personal harm that have caused XXXX. Please, note that the US Bank have fully responsability to manage my Checking Account with accurate information as is demanded by State and Federal laws. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a Barclaycard XXXX credit card and they sent the card to the wrong address. The card was never activated, yet they charged me fees and late fees. I have made XXXX phone calls to barclaycard to clear this up, yet it still appears join my credit report. I have ordered a new card and corrected the address. I have never been charged for fees from a credit card that was never activated. Is this legal? 

Company response: Company chooses not to provide a public response
Consumer complaint: Barclaycard must have initiated a change in their fee waiver policy/strategy that no longer treats customers fairly. They have firmed their stance that regardless of loyalty to brand, credit worthiness or payment history, they will not waive fees that are not a bank error. This stance is unfair and disparate treatment ; if I were stop paying my monthly payments and allow my account to fall delinquent, I would be rewarded by various payment programs that would reduce my interest, zero it out all together OR, waive fees. IF your stance is to only waive fees in the instance of a bank error, then this stance should spread across all lines of credit whether I am a customer for 10 years and never went late, or a customer who is 100 days late. To further exacerbate the change in policy, the customer service agents are ill equipped to deal with the push back customers who have faithfully honored their terms and agreement are more than entitled to give. In the past, instances of oversight or in my case, Tropical Storm XXXX taking out my power, our requests have been reviewed levelly against our payment history and previous fee reversals. On XXXX/XXXX/2015 I called to request a courtesy reversal of a fee that posted to my account at midnight on the date of my payment due date. I explained to the representative that I was unable to schedule my payment on the website or even by phone because I had no power. There were many news bulletins, warnings for my area and expressed power outages in my area. My payment was scheduled at XXXX the very next day when I saw that power was restored. My payment was technically XXXX hours late. Despite my explanation and the absence of previous fees, I was treated rudely, placed on extensive holds and ultimately hung up on by the agent. This behavior is unacceptable and unfair to customers who have no idea that a change in policy has been implemented. If this is the way Barclays intends to proceed they need representatives who can better communicate this to customers who deserve the benefit of the doubt ; especially when customers who do not honor their terms and agreement are given leeway that contradicts what I was told on XXXX XXXX, 2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: The sole income I have at this time is through wage income. I have direct deposit of my, and my wife 's paychecks. On XXXX XXXX, 2015 Bank of America withdrew {$6000.00} from my checking account, leaving a balance of {$1100.00}. The funds on deposit with Bank of America were my salary payments from XXXX and XXXX XXXX {$3600.00} and {$3600.00} XXXX, and my wifes wages from XXXX and XXXX ( {$1200.00} and {$1600.00} XXXX reduced by payments and debits to the account. I was informed that under the Exempt Income Protection Act, 90 % of the income earned in the last 60 days was exempt from levy, garnishing, or offset. I informed Bank of America of this and was told " We know nothing about this and have the authority to offset any amount from my checking as part of the deposit relationship agreement. '' As a result of BofA siezing my deposit balance, I my result in defaulting on my mortgage modification, which is in a trial period, an IRS payment plan, my credit card payment, and have no funds for food or utility expenses. At the current time my bank account is - {$3900.00}. I would like assistance in getting Bank of America to return the exempt funds to my account and off-set ONLY the amount allowable by law, which, at the time of the off-set, amounts to 10 % of the available balance or {$710.00}. I read the EIPA act through accessing the NYS Departement XXXX XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a construction loan with US Bank and I made my XXXX mortgage payment over the phone on XXXX/XXXX/15 ; the agent who processed the payment told me at the time he went over the payment amount due that the late fee assessed on the account was waived and he was not collecting it and that the {$11.00} fee to pay over the phone was waived as well and he was not collecting. Today XXXX I received a letter from US Bank stating that my XXXX payment has not been received yet, although funds were deducted from my account on XXXX/XXXX/15. I called the construction loan department and after 1 hour on hold to speak to a rep they confirmed my XXXX payment was not in. I asked to speak to a manager and I was transferred to XXXX XXXX who said she was a team lead. She explained the funds I paid on XXXX were received but the system did not apply the amount to the actual XXXX pmt ; she explained they are having issues with their system and the funds were sitting on a " suspense account '' not applied to the XXXX pmt. She also explained the rep who processed the XXXX payment charged me the late fee in the amount of {$68.00} and {$11.00} payment processing fee even when he said he was not going to because those fees were waived. I explained my concerned regarding a 30 day late payment to be reported to the bureaus due to an issue with their system. XXXX XXXX explained that if the late payment was reported in error they were going to have it removed although I am not happy with that because i will have to call the bank, being 3 hrs on hold to get this resolved, get my XXXX credit report, dispute and wait another 4-5 months for a resolution. XXXX XXXX stated she was going to request a credit to be applied to my account to cover that late fee and payment processing fee i should not have paid and that my amount due for XXXX should be {$2100.00} - {$68.00} ( late fee ) - {$11.00} payment processing fee, which is a total of $ XXXX this will be the amount I will be paying for XXXX and I hope not getting any default letters etc from the bank. Regarding the XXXX payment I made the payment before the XXXX thru their bill pay system over the phone and the payment went thru 1.5 months after I made the payment. It appears that US Bank has major problems with their system and should spend some funds in technology. 
XXXX XXXX also explained they deducted from my escrow account {$1900.00} to pay the first half of the 2015 taxes and now I am being responsible to pay an escrow shortage. My close of escrow was XXXX XXXX 2015 and I am not responsible to pay for the taxes due for the XXXX half only a small portion of it from XXXX/XXXX/2015 to XXXX/XXXX/2015 the lender should claim that amount they paid from XXXX/XXXX/2015 to XXXX/XXXX/2015 to the Title company and do not have the consumer pay for something I am not responsible for. Per the county my property was classified as a vacation home on the affidavit of value by the lender and the title company and as a result my taxes are higher. My property is a primary home and should not be classified as a vacation home 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a home loan with XXXX and Ditech Financial, LLC is the loan servicer. I had an insurance claim on the home and Ditech is holding the insurance funds. XX/XX/XXXX I submitted and Ditech approved roofing repairs to my home. The total cost of repairs was {$8600.00}. Ditech issued half payment ( {$4300.00} ) up front. The repairs were completed and now Ditech refuses to issue the full second half payment. Ditech did issue {$1600.00} in payment. They are currently refusing to release {$2600.00} in funds currently held in escrow to pay for the roofing repairs. At the time the second payment was issued, no explanation was provided. Communication from Ditech is non-existent even though I have repeatedly advised the company to contact me by email or telephone if there is a problem with my claim. As it stands right now, I am personally liable to pay the bill for the roofing claim even though Ditech is holding {$2600.00} in funds to cover this work. Ditech has no dispute resolution procedures and refuses to allow me to speak with at supervisor or manager. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: THERE ARE ALOT OF ACCOUNTS THAT I CLOSED MYSELF AND THERES TOO MANY OLD REPORTS ON MY CREDIT REPORT THAT SHOULDNT BE THERE RUINING MY CREDIT SCORE 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America is continuing to harass me with phone calls for a credit card that actually has a negative credit balance on the card ( i.e., two payments were credited to the card, one made some time ago and another recently, so now effectively Bank of America owes me money ). On XXXX XXXX, 2015 at XXXX EST a representative of Bank of America called from XXXX, identified herself as " XXXX '' and wanted to discuss a recent complaint that I filed with the CFPB. I said " Fine ''. She then said that she wanted to record the conversation and I agreed, but when I stated to her that I would also like to record the conversation she declined. So apparently what 's good for Bank of America is n't good for their customers. 

Company response: Company chooses not to provide a public response
Consumer complaint: COLLECTION AGENCY COUPLED WITH LAWFIRM VIOLATED FCRA, FDCPA, TCPA, SOL, PRIVACY AND CIVIL RIGHTS VIOLATIONS. SERVED ME AND SAID WILL SUE ME TOO ON BEHALF OF XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Nationwide Credit Corporation is reporting, to XXXX and maybe other credit reporting agencies, individual visit dates of service from a doctor 's office as individual " accounts '' based on account numbers generated by them. I do not have anything from the doctor 's office identifying the account numbers they are reporting. I have the bill from the doctor 's office showing my single account # of XXXX with charges by dates. I have XXXX " accounts '' /entries being reported to XXXX by NCC for this XXXX individual account I had with the XXXX of XXXX XXXX . None of the XXXX entities, XXXX, NCC or the XXXX/XXXX will take ownership of consolidating the charges for the XXXX single individual " account '' I had with XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed this charge. I have sent them request to verify this charge. They do not have any signed documentation on this charge and I want them removed. I believe it was filed incorrectly under medicare/medicaid and this item is not mine. 

Company response: Company chooses not to provide a public response
Consumer complaint: After requesting each consumer bureau remove negative XXXX reporting off my credit report I directly contacting XXXX by phone in early XX/XX/XXXX, I was told by supervisor " XXXX '' in XXXX XXXX, MO.that XXXX will not remove the negative collection report off my credit report. I had always disputed the fact that although habitually delinquent due to XXXXloss of income at the time I had always paid my account. I was too sick too fight the mega-giant, my account was closed in XXXX and with my XXXX settlement in XXXX I paid their collections. Now I was well enough to search my financial records, On XX/XX/XXXX I made a written request to remove the false report and provided bank records demonstrating that I had indeed paid my account and was falsely sent into collections. This written request and evidence has been ignored. According to " XXXX '' at XXXX ( there was XXXX accounts under my old phone number when I called ) I never made a payment from XX/XX/XXXX and my account was closed and sent to collections. 

Company response: Company chooses not to provide a public response
Consumer complaint: For the last few years, I have been receiving credit card bills or solicitations with pre-printed checks. I think this is a dangerous practice should someone steal your mail or you throw these away unaware that pre-printed checks are in the envelope. 

Company response: Company chooses not to provide a public response
Consumer complaint: transunion credit bureau has me at a very low score on my credit report ... .i want to know why 

Company response: Company chooses not to provide a public response
Consumer complaint: After requesting each consumer bureau remove negative XXXX reporting off my credit report I directly contacting XXXX by phone XX/XX/XXXX, I was told by supervisor " XXXX '' in XXXX XXXX, XXXX XXXX will not remove the negative collection report off my credit report. I had always disputed the fact that although habitually delinquent due to XXXX/loss of income at the time I had always paid my account. I was too sick too fight the mega-giant, my account was closed in XX/XX/XXXX and with my XXXX settlement in XX/XX/XXXX I paid their collections. Now I was well enough to search my financial recordsXX/XX/XXXX I made a written request to remove the false report and provided bank records demonstrating that I had indeed paid my account and was falsely sent into collections. This written request and evidence has been ignored. According to " XXXX '' at XXXX ( there was XXXX accounts under my old phone number when I called XXXX I never made a payment from XX/XX/XXXX and my account was closed and sent to collections. 

Company response: Company chooses not to provide a public response
Consumer complaint: good dayMy name is XXXX XXXX and attend XXXX XXXX where I have a business account to request a machine to collect cards, the contract you sign does not correspond to the contract requested and sent me the bank since that is not my signature. Plus I had understood that the seller was only one year contract and that is signed with my name but not my signature says 48 months. Also the first machine they sent me was not right so ask the right but never refunded me the first collection of the first incorrect. 

Company response: Company chooses not to provide a public response
Consumer complaint: I bank with Bank of America. A few weeks ago, I lost my debit card. I canceled the card on-line, and was issued another card. This card was linked to my checking account, but had a different card number than the lost debit card. A few days ago, I received an email notification that XXXX XXXX, a recurring auto-debit, could not process my payment of {$19.00} because the old card number did not work. I had not given XXXX the new debit card number. However, when I checked my bank account with BOA a few days later, the {$19.00} payment had been processed. I looked at the XXXX XXXX account, and sure enough, XXXX had my new debit card on file and had charged the payment. This transaction overdrew my account, and BOA charged me {$45.00} in fees. I spoke with a phone representative of BOA who informed me that this is a common practice. If a recurring debit is denied, BOA is required to provide certain companies with the new debit card information, regardless if the account holder authorized it or not. The representative would not reverse my fees. Unsatisfied with this answer, I visited a branch location in person. The personal banker was unaware of the practice of providing a company with a new debit card number without consent, and spoke with a manager on the phone. The manager was also unaware of this practice. After much debate, the branch officer reversed the {$45.00} fees. However, he still did not believe that I had not given XXXX the new card information myself. So ... I went home and did some research. Something called XXXX Account Updater will automatically update account information- including new card numbers- without consumer knowledge. I believe this practice should not be allowed to continue, and in no way truly benefits the consumer. It is a way for big banks and big business to further make a dime of the backs of the working class. Please investigate this practice For further information, please reference : XXXXThank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to my local credit union and applied for a checking account. I was denied for a traditional checking account and was offered a XXXX chance checking account. Once you have had the checking account active for 12 months you can request a review to be considered for a regular checking account. Coming up XX/XX/XXXX will be 12 months that I have had the account open. I was advised by the bank rep that it came up in their system that I owe Wells Fargo and that they submitted information to XXXX that shows I mismanaged an account with them. The concern is that if I mismanaged an account with them. Then why would they allow me to open another account with them after reporting this information. Basicly its telling other banks not to do business with me, but it 's ok for me to do business with them after they have reported this negative information. They are also reporting a balance after I paid the account off in 2014. The information they are reporting remains in XXXX for 7 years and will limit you from obtaining a standard checking account instead of a second chance checking account. 

Company response: Company chooses not to provide a public response
Consumer complaint: My Citibank/Best Buy 's account was credited {$430.00} on my behalf by my bank for payment on XXXX XXXX, 2015. Payment was due on XXXX XXXX. The amount paid/credited to Citibank/Best Buy covered the entire balance on my account. Citibank/Best Buy has charged, and is continuing to charge late fees despite electronic records showing that the payment was timely received. 

Company response: Company chooses not to provide a public response
Consumer complaint: I used XXXX and noticed an error on my Experian generated XXXX XXXX XXXX loan account - it said I was 90 days late - which I never was. I went to dispute it with Experian. Experian asked me a bunch of questions which I answered correctly, then I received a message that my request could not be processed and they demanded a copy of my driver 's license. First of all, I do n't know who these people at Experian think they are, demanding a copy of my driver 's license ( which I absolutely REFUSE to furnish to them ), but also they are holding me hostage by willfully reporting erroneous information and refusing to allow me to correct it unless I give them my driver 's license. Unbelievable! This is n't the first time Experian has done this to me. I reported a similar issue to the CFPB a few years back. Fine them and punish them, please! 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a loan from XXXX to take the NY XXXX XXXX XX/XX/XXXX. Thereafter, I spoke with XXXX XXXX about monthly payments and they informed me that I could pay whatever I could afford. I paid {$30.00} through direct debit monthly. No other information was given to me except that these payments were fine. XX/XX/XXXX I received a letter from First Associates, a loan company I had never heard of, stating that my payment was late. I called them and they said they now owned my XXXX loan and they did n't have my debit information so my account was late. This put up a red flag as I received no other info from them and it was not my fault that they did n't have my account info. I gave it to them and continued to pay $ XXXX monthly. Nothing whatsoever was said to me about increasing my payments, interest, etc. I did n't receive any paperwork from First Associates. Now I received a bill XX/XX/XXXX XXXX so presumably I did n't receive it until XXXX XXXX stating that I am 15 days past due for almost {$1000.00}. I do n't understand how I can be past due when I 've been making payments and no bill was sent to me about this amount in XXXX. I spoke with someone named XXXX who said " they tried to email me once. '' Apparently my loan has re-amortized and now I owe exorbitant amounts and have late fees even though a bill was never sent to me in time to pay. I believe First Associates has wrongfully failed to provide me with any information about my loan and who the company is and they are now attempting to force me to pay obscene amounts compared to what I was paying, charging late fees, and threatening my credit. In addition, their interest rate is usury at 17.19 %. After working for 3 full years to obtain XXXX, this was the only loan I was able to get in order to pay XXXX so I was forced to take a loan from a disreputable company at this horrifying interest rate, and now they are going to ruin my credit without any warning or paperwork regarding the status of my loan. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: On XXXX/XXXX/XXXX I received a call from XXXX ( would not disclose last name ) of Professional Finance Corporation of XXXX, Colorado about a debt of {$33.00} from XXXX XXXX XXXX. They wanted payment made over the phone. I refused not knowing whom I was talking to. I asked for details and followed up with XXXX ( would not reveal last name ) from XXXX. The file number was XXXX. Upon review of the file XXXX informed me that my insurance company had not been billed by XXXX and he would do so. Not trusting the system I went to Professional Finance Corporation in XXXX Colorado on XXXX/XXXX/XXXX and made a payment of {$36.00}. The original claim date was XXXX/XXXX/XXXX. In speaking with XXXX ( would not reveal her last name ) from Professional Finance Corporation XXXX XXXX, Colorado I was told they had made two other phone calls and sent me a letter as well. I received no phone calls or letter. I asked for documentation and XXXX informed me that I could not have that information. I was later sent a letter stating that the debt had not been reported to any credit reporting agency. I will follow up within 90 days by reviewing my credit report as suggest by XXXX of Professional Finance Corporation as a sufficient time for them to make any corrections. I received a statement from my insurance company XXXX on XXXX/XXXX/XXXX showing they in fact had been billed and that my co-payment was {$2.00}. I have made several payments to XXXX XXXX XXXX between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and ws never informed I had an outstanding balance. 

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