AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: We opened up a checking account with USAA, after receiving a promotional email from them. We are members. My husband is XXXX Military and has been for 12 years. We set up his paycheck to be direct deposited. Within 24 hrs of this deposit, USAA withdrew our ENTIRE account and left us with a XXXX balance. When we called to question, they informed us it was for a " charged off debt from 2008 ''. We were completely shocked. Not only were we NOT aware of any prior debt to USAA, we have never heard of any of this until now. No written correspondence, not once has any of this ( alleged ) debt ever showed up on any credit report of ours, or has USAA tried to collect this ( alleged ) debt from us in the past. I pleaded with the customer service that this is a mistake, this is an error! We are disputing this debt as an error applied on our bank account. I pleaded with customer service that my husband ( XXXX military member ) is our only source of income, we have children, and need his paycheck to live! Taking all of our money will put us in a serious financial hardship where we can not buy food, pay utility bills, buy gas, and pay our house payment. I spoke with XXXX different people to try to resolve this, and nobody from USAA would reverse the wrongful charges or work with us at all until these fraudulent charges were figured out and proved, which is what I requested. Nor did they even seem like they cared. They wrongfully took all our money and we need it back. I am also disputing any supposed debt they say we owed them. There was no mention of this debt when we opened the checking account! We have been members of USAA for years and have XXXX USAA credit cards that have been in good standing for over 2 years with USAA, and never has USAA ever mentioned anything about ANY money owed to them! This is how they treat their service members and their family? We feel like we have been robbed and feel helpless. Someone needs to help us please! 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I paid a debt i was unaware of to the XXXX of XXXX XXXX department. It was from a house i rented five years ago and just recently showed up on my credit report. The collector was unable to actually receive payment so i went and paid in person at the XXXX XXXX XXXX payment window. Now Penn Credit the debt collector and/or the XXXX of XXXX XXXX department are not updating the credit beureau 's that the debt is paid in full!! I have sent XXXX letters and numerous phone calls to each. I even submitted the bank statement showing the transaction paying the city. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I do believe that this company has not delivered the service agreed upon in the contract. I told them that I would not be able to continue to bind agreement to this contract in such that I had to subside to the issue of the benefactors that have enabled my immediate provision and the monetary trade of this due process was not feasible under my most urgent concern at the time of the arrangement. I was not in a position to utilize this program at the times availed to me, due to the due party not providing a convenient and feasible housing constraint for me to utilize at the times that were subsided for me at the times of availment. I need this incorrect information removed from my credit report as a result of the circumstances at hand. 

Company response: Company chooses not to provide a public response
Consumer complaint: CITIBANK N.A . is the banking institution for the retail SEARS card ( ending in XXXX ) in regards to my complaint. I already received a cancellation of debt form ( XXXX ) for the TAX YEAR 2012 which I 'm submitting with this email. The problem is that is is still showing on my XXXX Credit Report as STILL OUTSTANDING / UNPAID. Besides being time barred ( XXXX+ ) years in California being that the statue of limitations has expired with the ability to collect legally, a XXXX tax form for the year 2012 was paid on my behalf as well as a letter from CITIBANK N.A showing this debt was cancelled. 

Conclusion : Continuous calls to CBNA to remove this negative debt have all but failed. I 'm asking you to review and or call CBNA at the numbers listed below to make them remove this CITIBANK N.A amount of {$5200.00} from my XXXX Credit Report and or other credit reporting agencies and to issue me a document / letter confirming that this debt is no longer due and has been forgiven as stated in the XXXX 2012 tax form that was submitted to me as well. 

CITIBANK N.A . 
REGARDING ORIGIONAL ACCOUNT # XXXXXXXXADDRESS : XXXX, NY. XXXX ( XXXX ) XXXXXXXXNote : THE LAST ( XXXX numbers on my SS # XXXX ) 

Company response: Company chooses not to provide a public response
Consumer complaint: Well for XXXX years i been trying to get my credit report and it 's ask me some questions and i answer no on them cause they do n't apply to me cause i never had a car loan or try to get a car loan and i never had a montage loan either. So i said no and it would n't give me my credit score. Its saying that my info is not matching with my social security number. I do n't know what to do any more. I need help. 

Company response: Company chooses not to provide a public response
Consumer complaint: I pulled my credit report and discovered a bill from XXXX which was sent to collection, Enhance Recovery Company. The bill was for $ XXXX contacted ERC and we agreed for a settlement of {$190.00} but I was charged for {$210.00}. 

However, they promised to send a settlement in full letter upon payment but what I recieved was not a settlement in full payment because the letter purports that " Please note, that although your account was settled, it will reflect a remaining balance with XXXX. " Clearly, this is not a Settlement in full letter. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: After reviewing my credit report, I discovered that XXXX was reporting a mortgage that was once owned by Bank of America in which a Deed in Lieu dated XX/XX/XXXX was submitted and excepted by Bank of America. A 1692g request was received by Representative ( s ) and Agent ( s ) of XXXX on XX/XX/XXXX. ( See Attachment A ) XXXX responded with proper validation of a debt owed per 15 USC 1692g, however the company does not have proper information " Deed in Lieu ''. ( See Attachment B ) A notice to cure was forced to be sent to XXXX containing the Deed in Lieu and my credit report to show that the alleged debt was XXXX ( XXXX ) out after the submission of the Deed In Lieu to Bank of America. ( See Attachment ) XXXX has NOT responded in addition to reporting the debt as a delinquency on my credit report and not as disputed. The loan was settled with Bank of America per the Deed In Lieu and the allegations that a debt is owed to XXXX are frivolous. 

Company response: Company chooses not to provide a public response
Consumer complaint: Ally bank continues to call my cell phone, after numerous requests to stop, asking for someone that is not me or anyone in my household. In order to find out exactly who they are, because they only provide their first name, I find out they are from Ally bank. They call at XXXX at night and throughout the day. I 've asked several times for them to stop calling my number. I get, " we will put this in your record. '' How do I have a record at Ally bank? I do not bank with Ally bank. I have never banked with Ally bank. I do not have loans or debt that I am responsible for with Ally bank.. 

Company response: Company chooses not to provide a public response
Consumer complaint: Called me at XXXX, XXXX, XXXX, XXXX. I 'm sure it would keep going but I have the phone set to block them now so I do n't see it. I am at work. I ca n't answer my phone NOR can I tolerate people calling me every 30 minutes - 1 hour or less! 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America Credit CardOn the website ( XXXX ) it states:0 % for XXXX billing cyclesApplies to purchases and to any balance transfers made within XXXX days of opening your accountThe implication of the additional words " and to '' are that the XXXX day condition applies only to the balance transfers. However, when speaking with XXXX, a representative of the bank, and after signing up for the card, I was told that this was not true and that the XXXX day limitation applies to new purchases as well. 
Additionally, the representative told me that the XXXX day condition was from the time the account was opened - a full XXXX days before the card was received and could be activated. 
I would like to request a formal review and that Bank of America be instructed to revise the information on their website to be less misleading. I believe the website wording is intentionally misleading for the purpose of fraudulently charging interest to unknowing customers. 

Company response: Company chooses not to provide a public response
Consumer complaint: I borrowed XXXX. One main is reporting XXXX to the credit bureaus. The larger amount includes interest for the full term of the loan 54 months. I contacted them and they said it is a requirement by law, i explained that this was hurting my credit. I would like to have someone make them change the amount to the {$8000.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, I ordered a specific flower arrangement as advertised on the website of XXXX with the understanding that my order would be processed on an express basis and delivered the same day. This did no occur. I tried to use the tracking number provided and that did not work. I attempted several times to call this vendor and resolve the matter. The call center turned out to be a joke. I suspected fraud. I did communicate to the company to cancel my business and promptly refund my money. This never occurred. I learned five days later that this vendor made a feeble attempt to send dead flowers in a cheap vase that I did not ask for or order. When I contacted my XXXX card issuer ( U.S. Bank/XXXX ) I was given a temporary credit. When I submitted all documentation to the fraud division, I was later told by ( XXXX ) that they do not get involved in customer disputes. In fact, he said he did not talk to the vendor at all. Astonished, I asked how this could be classified as an investigation? XXXX just kept to his script even after stating that I bought something that I did not receive. I then pursued by a phone call to have the matter escalated to someone one else. U.S. Bank personnel have been totally unresponsive. I even sent a faxed statement and request on XX/XX/2015 to their XXXX. No response. This is over a month now. I chose a credit card payment method vs. a debit card for more protection. My credit union would have resolved this by now. Not U.S. Bank. They seem completely uncaring. I do have accurate and complete documentation on this matter which supports this statement. I even provided the terrible reviews from other customers with similar experiences who lost their money by paying for something they did not receive. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been trying to work with BOA in qualifying for a program to lower my payments-specifically my interest rate with no assistance. I began the process speaking with a HUD counselor who assured me I met the HAMP guidelines due to the extensive questionnaire and financial information she collected. After many months I was told I qualified for a trail modification which RAISED my payment with no other changes to the loan. After appealing my decision I was told again I did not qualify for any program and this letter dated XXXX stated I was not interested in refinance options at this time. What exactly do you call trying to lower your payment and interest rate?! 

Company response: Company chooses not to provide a public response
Consumer complaint: On Thursday, XXXX XXXX, I received a call that my credit card XXXX Barclay 's XXXX XXXX XXXX had been flagged for fraudulent information. It was an automated phone call from XXXX. I verified all information and was told at the end of the call that the security hold had been removed as I had properly verified all information. Following that call, the hold remained in place. It was not removed as indicated. Subsequent calls to XXXX have not resulted in an answer, and I was XXXX from critical business spending during at least XXXX business day without explanation. 

Company response: Company chooses not to provide a public response
Consumer complaint: Greetings. I am writing because in attempting to settle a cellular phone debt with Enhanced Recovery Corporation and credit card debt with XXXX XXXX, I was told by both debt collectors that they could not provide me with proof of the debt in writing. I am being called constantly to settle the debts however feel that I should not be forced to pay without receiving proof that they own they debts as well as the terms for settling the debts. I 'm just being told to pay up and then it will be reflected on my credit report. I am requesting assistance with this matter. 
Sincerely, XXXX XXXX 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Transunion reports this amount paced for collection by XXXX. I have never had any dealings with XXXX. This is either Fraud or and Identity problem. 
XXXX XXXX XXXXXXXX XXXX, 2015Open $ XXXX DetailsLast Reported XXXX XXXX, 2015Collection Agency XXXXOriginal Creditor XXXX XXXXStatus OpenOpened Date XXXX XXXX, 2015Closed Date -- Responsibility IndividualBalance $ XXXX Balance $ XXXX Placed for collectionCreditor Contact DetailsXXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My previous apartment complex XXXX XXXX XXXX located in XXXX XXXX Florida did not notify me of any debts remaining after moving out of their complex. I now see a balance in collections of XXXX dollars. At no point in time was I made aware or given the opportunity to dispute these items as several of the charges are invalid. I had to call the apartment complex AFTER this had been added to my credit report to see a summary of charges, which again, several I want to dispute but did not have the opportunity to do so. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Tried to contact " customer service '' with a problem They make it impossible to talk to anyone - it 's not even a choice on their automated system. I would never do business with these people ; my loan was sold to them. I need to talk to someone to resolve my problem. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, Harris & Harris Revenue sent dunning notice of a medical debt. The account was paid in full in XX/XX/XXXX, and funds cleared. 

In XX/XX/XXXX, the same collection appeared on my credit report as open and unpaid. This is unfair debt collection practice since this account is a paid medical collection and should not be reported to the credit bureaus. The continued reporting of this account is a violation to HIPAA and should be removed. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I co-signed the loans for my daughter. They send a reminder via email monthly-before the payment is due. They have misapplied payments numerous times in the past 2 yrs and drive you insane trying to get somebody on the phone to fix it. The woman yesterday blamed my daughter for them not applying the payment correctly. She was rather insistent that my daughter do a phone payment ( bear in mind she was n't even past due ) and urged her to do auto-draft. My daughter told her she would pay online, while she was on the phone. Her letter has XXXX amount-the woman on the phone is telling her a completely different amount due and can not justify why the difference. My daughter hung up on her, after giving her the information for her phone payment. Today they have started the day off at XXXX on my phone with an automated message to call a person that is non-existent. I know that is illegal in the collection agency world so I do n't see how they get away with that. They called my daughter at almost the exact time. She called and got somebody that informed her that the woman yesterday did n't code the account correctly. My daughter explained that she paid online yesterday and the money has already been taken from her checking account. They said the calls would continue for up to 48 hours! That is outrageous-total harassment! They have since called my phone XXXX more times by XXXX. Sallie Mae is going above and beyond to harass my daughter when she has proof that payment was made and the account is XXXX up-to-date. And unfortunately I can not check all XXXX boxes below, but they are NOT handling payments correctly, phone calls persist after we have confirmation they have received them and Customer Service is poor ( at best ). 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My husband and I owe medical bills. I assume they are a legit debt collector but maybe not. I live with my Mother and I 'm her caregiver so it 's her landline phone. We are financially strapped and this company who shows up on the phone is called UCI. They have called for quite sometime and will not stop. My Mother is not in good health and it 's beyond annoying when they continually call almost daily. I told them today once again to stop calling. We can not pay the bill and I 'm not even sure if their scammers or not. I have XXXX phone numbers they call from. They are harassing us and I want them to stop. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently submitted a request to US BANK to participate in the HAMP modification program. I had been redundantly asked to re submit information concerning my employment status because of a misfiling of the original paperwork. I absolutely understand having to clarify paperwork. However I do not and can not understand why I would be repeatedly asked to re submit the same information. Each time having changes in the demanded paperwork ie ; first request being for XX/XX/XXXX info then expanded to XX/XX/XXXX and XX/XX/XXXX ' or paperwork was originally requested to have acct # then expanded to acct # and physical signature. I currently have a high interest rate and it seems that the redundancy is simply defer and delay tactics by the bank to continue to get paid that high rate all while I absolutely do have need and qualification to modify. 
Thank you for your attention to this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I got conflicting information on an accepted loan mod from XXXX XXXX XXXX and do n't know what to do 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am at the end of my loan where my payoff is less than 1/2 of a normal monthly payment. But the mortgage company will not take any payment except wire transfers, cashiers check, or title checks. If I do not make my payment by the late fee date, they are threatening to charge me an excessive late fee ( 15 % of my payoff amount ) while refusing to accept any normal payment method ( ACH/Pay-by-phone, mailed check ) even though they are already holding more funds in my escrow account then the full payment on the loan. This forced me to go to my bank and pay wire fees to avoid the excessive late fees. Also, upon payoff, the bank charged me recording fees and a release fee. These unavoidable fees plus the cost of obtaining secure payment for the final payment are not disclosed anywhere in my contract. Since they are unavoidable costs of the loan, they should have been included in the cost of the loan and APR calculation in conformity with the Truth-in-Lending Act ( TILA ). Plus, forcing the consumer to wire funds that are for a minimal amount and charging a late fee in excess of what is specified in the contract are unfair and abusive acts. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I went into Bank of America to make a deposit to pay on a bill. the deposit was for {$75.00}. Once I looked at the receipt, i noticed the last XXXX of the account number the teller deposited my money to did not match my bank account number. Apparently, she deposited the money to another account. I stated that I wanted the money in my checking account so I could pay a bill. This is obviously the teller 's mistake. She stated she could not change the deposit although she apologized. 

Of course I asked to speak to the manager, he said he would investigate. Investigate? Investigate that my money is not where I specifically told them to put it? 

Then I am told that the money was deposited to a CLOSED credit card BOA claimed that I opened in 2006. I have never had a BOA credit card, I applied but I was not approved. I asked for the credit card info- account number etc. I am told that since the account is closed, I can not get that information. 

1. I stated the money to be deposited to my checking account and it was not - BOA 's error2. The money was deposited to a credit card I do not own- I checked my credit which I subsequently pulled my credit report and I have never had a BOA credit card. 
3. So where is my money? 

Company response: Company chooses not to provide a public response
Consumer complaint: I currently own my home at XXXX XXXX XXXX XXXX, XXXX, AZ XXXXIn 2010 I filed Chapter XXXX and choose to keep my house. I had a XXXX and XXXX mortgage which I choose to service at the time and attempt to modify. My XXXX mortgage was successfully modified but the XXXX with XXXX XXXX Mortgage was not. They sold the loan during this process to XXXX XXXX. I could not come to terms with XXXX XXXX and as I understood it was discharged in my Chapter XXXX bankruptcy as shown on my XXXX credit report. That was in 2010. 
Recently, Madison Management LLC, from my understanding has purchased this old debt and is now trying to collect. They are doing so by foreclosing on my home. My research has brought me to the conclusion that this debt was purchased for pennies on the dollar. So not only is Madison Management, in my opinion harassing me on a Chapter XXXX discharged debt, but also have exuberantly inflated the amount owed. I 'm not sure if these strong arm tactics are legal because of my Chapter XXXX bankruptcy, and if it is legal, im not sure if this inflated debt owed is legal. In a settlement letter from Madison Management, they openly admitted that this debt was purchased at a discount and then a few sentences later say I owe approximately {$55000.00} when the original debt from XXXX XXXX was only {$36000.00}. Please help! Please let me know if I have a valid reason to stop these foreclosure proceedings. I am in good standing with my first mortgage company and also so you know, my home is still " underwater '' in value. 
Thank you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been a XXXX resident since 2006. As a result of a mortgage interest statement, the state of XXXX determined that I must have earned XXXX. revenue. My accountant and I responded and the state determined that no other action was required. However, a lien was already placed on me and I can not get it removed. Included is all of my documentation. I have divorce documents showing ex wife 's ownership of home in question. 

Company response: Company chooses not to provide a public response