AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: The Bank is US bankMy bank account had 2200 dollars in my bank account on XX/XX/XXXXI deposited a check for XXXX on XXXX so I my balance was over XXXXthe bank returned my check. 
they stated on of the names on the check was on the account being deposited. 
Received an email stating my bank account was over drawn to -4500 dollars on XXXX called the bank.the same dayThey bank stated the overdrawn position was a bank error. It had something to do with making money available during the deposit phase of the check deposit. they told me they had moved over 5400 dollars from my line of credit to cover the overdraw position. Complained and asked how can an account of more than 10,000 dollars go down to XXXX XXXX XXXX ). The difference between these XXXX numbers was XXXX dollars. How could they have taken that much money out of my account? They said it was a bank error and that they would fix it. To this effect they stated they would refund the charges for the bank transfer of 5400 dollars. I assumed it was fixed. 

XX/XX/XXXX I received a statement from US Bank stating I owed over 5400 dollars. I called again XXXX. The last person stated that it their department was the checking department and they could not help with the premier line of credit because it was a credit card problem. 

Called them another day. Asked to talk tot he premier line of credit department. They stated they would not help. They referred me to the branch manager. 

Called the bank manager. The manager is not there all the time. They promised to call monday XXXX. In the mean time their credit card department is calling me stating that I am past due. I explained whit the problem is and they stated they can not correct the problem. As of today they have called me XXXX times. 

The facts are my account balance was never XXXX. I had not withdrawn or spent money during the time that the check was deposited. This should have never happened. At least XXXX people at the bank have acknowledged this was a bank error. However not one has fixed it. 

How can force them to fix the problem? 

Company response: Company chooses not to provide a public response
Consumer complaint: I was notified by Bank of America that my account balance had gone below XXXX. I knew there was over XXXX left in the account so that did n't make sense. I pulled open my account online and it showed that I was over XXXX overdrawn. The previous day I had written a check for XXXX. It was used to pay a loan at a different banking institution. In my Bank of America account I had over XXXX in the account so there was plenty of money to cover it. When I called Bank of America they said that they could see the check that was trying to clear and could see that it was for XXXX, but it was being processed as XXXX dollars. Extra XXXX somewhere. I asked what to do. Was transfered to a manager. The manager told me that if I brought in the extra money before XXXX that I would not be charged an over draft fee. She said she did understand that the check was not for a XXXX and that it was only written for XXXX, but the banks policy was that I would be charged an overdraft if I could not cover the check with additional funds. She said to call the other institution when they opened and talk to them and in the mean time they were returning the check. I asked her to at least waive the fee for overdraft and she said she could not. She said that to get the fee returned to my account I would need to call the next day and see if they could deposit the over draft fee back into my account. It makes no sense to charge a customer an overdraft fee when there is clearly an error between the XXXX banks. I called Bank of America at XXXX my time as soon as I saw there was an issue. They agreed that it was a banking issue and that I had not done anything wrong, but charged my account an overdraft fee anyway? Where has basic customer service gone in this industry???? 

Company response: Company chooses not to provide a public response
Consumer complaint: My day began here at work on Tuesday XXXX XXXX, 2015. I got a call where I work not sure at what time exactly but it was an early part of my day. The receptionist contacted me and said it was an emergency call with urgency, making me think XXXX of my family members were in trouble or something. I get to a phone to take the call and it was a solicitor debt collection agency contacting me about my matter. I went over details with them to acknowledge my debt and all. After I concluded with them all while I 'm still at work. They follow up with me next day the XXXX and I 'm at work busy but they just expect me to go out of my way and drop everything to go over my debt again. Persistent as it seems I walk by the receptionist desk and they mention they keep calling where I work not exaggerating but XXXX times. As pursuant as possible those calls continue on. 

Company response: Company chooses not to provide a public response
Consumer complaint: United Security Financial Corp continues to call us XXXX and XXXX times a day re guarding our mortgage. They also keep calling up at XXXX when we 've told them XXXX times we live in California. 
We 've asked them to stop called so frequently as we are getting together the paperwork requested. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: My wife and I hold several different credit cards issued by U.S. Bank in partnership with XXXX XXXX hotel chain. We have paid the annual fees because we were promised perks on the contractual agreement. One such perk was receiving the last night free when booking XXXX or more stays at XXXX XXXX hotels. We recently received a piece of mail with sneaky writing indicating they had removed this feature on a whim, after I paid the annual fee for this feature. Ridiculous and unprofessional conduct. I expect that our annual fees will be refunded since there is no longer a reason to continue paying them and the shift in perks was misleading or deceitful. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello. Please assist me in resolving an operational defect by Pentagon Federal Credit Union. I have a single auto loan product with PFCU. I initiated a single loan application in XXXX 2014. However, PFCU initiated XXXX separate hard credit inquiries on XXXX separate dates ( XXXX XXXX and XXXX XXXX ). I assert that there is no valid business need for PFCU to initiate separate hard inquiries within XXXX hours to decision my credit worthiness. This PFCU defect is more likely than not to adversely affect how the NCRAs score me. This is a defect under FCRA. Please take affirmative steps to assist in remediation of this defect and communicate your response. 

Sincerely, XXXX XXXX XXXX : XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America withdrew {$11000.00} from my checking account I had deposited to pay an electrician. I did not authorize this transaction and they claim it was to satisfy an outstanding debt. I dispute the validity of this debt and challenge their right to " reach '' into my checking account on a whim to satisfy it. I have spent hours on the phone with multiple departments at BoA and have not been able to resolve this. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX Bank account # XXXX payment history is inaccurately reported. Certain early late payments are omitted in order to re-age the account and report to the credit bureau past the 7 year statute of limitation in the Fair Credit Reporting Act. 

XXXX XXXX reported to Experian that the account was opened XXXX XXXX with a {$500.00} credit limit. 
Between XXXX XXXX and XXXX of XXXX this account was reported as never late. 
On XXXX XXXX was XXXX time it was 30 days late. 
The highest principal balance that the account ever reached was {$380.00}. 
XXXX XXXX added LATE fees at {$39.00} and OVERLIMIT fees {$29.00} each month along with 30 % INTEREST. Amount owed rose to over $ 1,300.00Eventually XXXX XXXX filed suit in XXXX Court and agreed to settle the debt in full for {$850.00} ( see enclosed attorney receipt. 
This settlement was completed before the court hearing date. No judgment was entered. 
XXXX XXXX settled for {$850.00} because they could not provide a validation of the debt. 
DisputeXXXX XXXX refused to provide statements on the account from XXXX XXXX to present. 
On the statements I did find that the date of XXXX delinquency was XXXX XXXX, XXXX. 
XXXX XXXX charged late fees : ( see statements attached ) -- XXXX/XXXX/XXXX for {$29.00} -- XXXX/XXXX/XXXX for {$29.00} -- XXXX/XXXX/XXXX for $ XXXX for {$29.00} -- XXXX/XXXX/XXXX for {$29.00} -- XXXX/XXXX/XXXX for {$39.00} -- XXXX/XXXX/XXXX for {$29.00} -- XXXX/XXXX/XXXX for {$29.00} -- XXXX/XXXX/XXXX for $ 39.00But NONE of these dates were reported to Experian. 
XXXX XXXX reported never late. 
By deleting the early late payments, XXXX XXXX could continue to report to credit bureau past the 7 year statute of limitations from XXXX delinquency date. 

Company response: Company chooses not to provide a public response
Consumer complaint: Just applied for and received a credit Card from US Bank, we tried to make XXXX purchases over XXXX as XXXX are some travel points associated with the card. US bank wil not allow us to charge anything over XXXX, even though credit scores are in the high XXXX 's and we had a mortgage with US Bank until a few years ago, which was never late. US Bank also indicated in an email the following : XXXX Points per {$1.00} spent in eligible net purchases at XXXX XXXX hotels worldwide. 
Bonus Award Nights -- When you redeem Points for XXXX or more consecutive Award Nights, your last night is free. Plus:XXXX New Account Bonus : To earn the XXXX-time XXXX Purchase Bonus of XXXX Gold Points, you must XXXX make a purchase with your XXXX Premier Rewards Visa Signature credit card ( " Card '' ) within 90 days after your Account was opened. You may earn an additional XXXX-time Spend Bonus of XXXX Gold Points ( XXXX Gold Points for Platinum Rewards ) if you spend at least {$2500.00} ( {$1500.00} for Platinum Rewards ) in Net Purchases on your Card within 90 days after your Account was opened. " Net Purchases '' means authorized purchases of goods and services minus any returns or refunds, and does not include Advances ( as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements ), Annual Fee, convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, XXXX XXXX purchases, or transactions to purchase cash convertible items. Once you qualify for either the XXXX Purchase Bonus or the Spend Bonus ( collectively referred to as a " New Account Bonus '' ), please allow XXXX to XXXX weeks for the Gold Points to appear in your XXXX account. Neither New Account Bonus is available to applicants who have had this Card or another XXXX XXXX credit card product within the last 12 months. If your Account is not open for at least 6 months, XXXX XXXX and U.S. Bank reserve the right to deduct the New Account Bonus Gold Points from your XXXX account. 
They mislead us when we applied for credit card and now they will not allow us to charge enough to be able to use the benefit before the benefit goes away ... seems to me this is deceptive advertising 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a loan from US Discounters ( now referred to as USA Living ) in XX/XX/XXXX, I also purchased a debt protection plan, I was discharged from XXXX XXXX and became XXXX to work in XX/XX/XXXX, the company did n't has n't properly granted me relief of the debt under the debt protection clause I purchased with loan. The company is reporting a collection suit on my credit report for a debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a loan from Military Credit Services in XX/XX/XXXX, I purchased a debt protection clause with the loan that would grant me relief of the debt if I was discharged for medical reasons. I was discharged in XX/XX/XXXX and found XXXX service connected XXXX. The company failed to grant me the relief as stated in the debt collection clause of the loan and has sued and reported a judgement on my credit report as well as reporting a collection lawsuit for the same loan. 

Company response: Company believes complaint relates to a discontinued policy or procedure
Consumer complaint: Through the XXXX of XXXX XXXX I was able to get a monthly payment reduction on my delinquent Mortgage with Bank of America to {$1800.00}. The XXXX requested the Bank restore my original payment of XXXX this is what i got.Now after 7 month later once again Bank of America has increased my Monthly Mortgage payment to {$1900.00}. i was told by them my taxes have increased.My situation is still very dire. My wife has a XXXX illness,XXXX year old child, and my single income pays all the bills in my household.I am at the mercy of the Bank to plead for another modification or refinance to somehow, someway reduce my Mortgage payment so i can stay in my home and keep my family together.Please help me, or somebody at Bank of America please help me to save my home, Because i am drowning in debt. I need very serious help i plea with my life and livelihood on the line to save my home .Please someone at Bank of America please help me with the kindness of your heart ... Thank You XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: The company that is now servicing our loan:1 ) modified our interest rate early : we had a modification that was suppose to run through XX/XX/XXXX payment, they modified our interest rate early, XXXX 's payment, and screwed up our payment amount. 
2 ) They paid our property taxes : We have never had an escrow account with this loan, we have always paid the taxes ourselves. They did not inform us that they were going to do pay our taxes or even ask if we were going to pay them, they just went and paid them. Then a month after that they added the amount they had paid to our loan balance, which they can not do. 
3 ) They have started adding mysterious charges : They have never informed us as to what these " Fees '' are for, they simply added them to the bill. 
4 ) Now they are trying to add an escrow account, even though it clearing states in our loan that there is to be NO escrow account and that we will be paying both the taxes and the insurance. Which we have done for the past XXXX years without fail. 
5 ) we asked for a loan modification in XX/XX/XXXX, we have not heard back from them, other then to send us endless form letters that say nothing. When I call I am told that I can not speak to that department because they do n't have a customer service line, when I ask if they can have them call I am told that all the person I am talking to can do is send a message to the other department and ask them to contact me. When I pointed out that they have never called me back from any of the XXXX phone calls I have made they tell me sorry, all they can do is send a message, even when I ask to speak to a supervisor I am told that all the supervisor can do is send a message. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am buying a home with the closing scheduled for XX/XX/XXXX. When my loan officer recently tried to access my credit report info with Experian and XXXX, he found that I was classified as DECEASED on both agencies ' records. This apparently happened when XXXX XXXX reported my husband 's death in XX/XX/XXXX to the credit bureaus. ( He and I held a joint home equity account. ) It is imperative that the deceased designation for my name be removed at once so we can continue to prepare for the house closing. Both Experian and XXXX indicated that XXXX made this report but XXXX denies having submitted info that I was deceased. I just need to have this issue expedited and resolved ASAP. Both agencies indicate that the issue can be resolved but it will take up to 30 days. As of today it is only 22 days until my home purchase closing, so I am panicking. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: BANK OF AMERICA IS UNLAWFULLY RE-INSERTING ACCOUNT # **************** AND ACCOUNT # XXXX SEVERAL TIMES OVER XXXX YEAR PERIOD ON MY XXXX CREDIT REPORT WITHOUT 5 DAY NOTICE TO CONSUMER AND VIA CHANGING ACCOUNT DATA, IN VIOLATION OF F.C.R.A.. XXXX HAS ASSISTED THEM IN DOING SO, AND MUST CEASE AND DESIST ANY FUTURE ILLEGAL ACTS. REMOVE XXXX ACCCOUNT FROM XXXX OR PAY FINES FOR DAMAGES. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/XX/XX/2015, at XXXX XXXX PST, I received a voice mail from XXXX XXXX with XXXX XXXX at my place of employment. The message stated the the call is regarding " case file, XXXX, concerning a bad payment passed through XXXX XXXX Bank, in an breach of contract, that looked to have been done maliciously ''. 

When I called XXXX back, I was not provided the mini-miranda. He told that the account was pre-legal and that their attorney would be looking to sue me in small claims court in XXXX XXXX because the balance was less than {$5000.00}. When asked, he advised me that they are located in New York. It would appear that there was no real intent to sue at the time I was told this. 

Additionally, the voice mail and collector uses term " case fie '' to describe my account number with them in an attempt to misrepresent the legal status of the account. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: My wife and I have filed with XXXX XXXX. we have enrolled XXXX Wells Fargoaccounts. we closed our Wells Fargo account but my wife was a cosigner onour sons account so Wells Fargo started pulling money out of his accountwithout his knowledge or consent and without ours. No letters, emailstelling us anything 

Company response: Company chooses not to provide a public response
Consumer complaint: USAA Mastercard cancelled my card in late XXXX as a precaution against fraud and sent me another card. In the process those that had been on auto pay had to be contacted and given the new card number. I opted not to renew XXXX for auto payment. When XXXX called they were told their services were not wanted and to stop billing USAA Mastercard. This conversation occurred XXXX times, I do n't want your service stop billing USAA Mastercard. USAA Mastercard has been told a total of XXXX times ( XXXX on the phone and XXXX times in writing ) charges from XXXX are not authorized. USAA continues to accept billing on the account they closed. This has been happening monthly since XXXX 2014. USAA 's position is " this is an active account. '' I asked the adviser to the CEO, XXXX XXXX, 'How many times do I have to cancel before USAA Mastercard will consider the account closed? ' XXXX XXXX ' response, " you need to contact XXXX and tell them you do not want their service. '' USAA Mastercard can not answer the fundamental question of what it takes to cancel preferring to charge me interest and penalties on credit card they closed from an account I did not renew and on multiple occasions told them to stop. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I disputed several things on my XXXX credit report and I am trying to make sure that they are removed from all credit bureaus. 

Company response: Company chooses not to provide a public response
Consumer complaint: Collection agency is attempting to collect on a debt that I satisfactorily paid off a few years ago.The collection agency has XXXX the price owed and has negatively placed this collection on my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX this account is coming up to its seven years on my credit report now and is suppose to come off i disputed the item with Transunion and they refused to remove it and i also called XXXX and an was told the credit bureau have to remove this from my credit file the XXXX date of delinquency Transunion is showing is XXXX XXXX witch will be seven years in to months to my acknowledgement information is generally removed seven years from initial missed payment that led to delinquency and this item estimated to come off in XXXX XXXX the date for removal is over seven years and would like to have this deleted from my Transunion file early if possible or in XXXX XXXX when its seven years from its XXXX delinquency XXXX. 
. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello my name is XXXX XXXX I took out a title loan on my car XXXX XXXX I borrowed! XXXX dollars I have been paying XXXX a month for past XXXX months. That 's almost XXXX dollars. My father was diagnosed with XXXX. I have been off work trying to help him and my mother. Then XXXX XXXX XX/XX/XXXX I became ill with XXXX. These people called me in hospital they call while I am at doctor with my dad getting his XXXX. I feel like I have paid them XXXX dollars interest. I borrowed XXXX now they want me to walk back in with XXXX plus what I have already paid.. I ca n't do this. I have NEVER seen anything like this. This is NOT right and SHOULD be against the LAW. They ca n't even explain to me how they are coming up with almost XXXX dollars then they want me to sign another contract which is about XXXX pages long plus add another XXXX plus XXXX a day for every day that it 's not paid in full. That would be almost XXXX dollars I do n't have that kind of money.. Please help me. I do n't know what to do. Lone Star Title loans SHOULD NOT be aloud to take advantage of poor people. Thank you for your time. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Pay Pal gave me an unauthorized line of credit and is now saying that I have a negative balance. I have never asked Pay Pal for any line of credit, nor do I want one. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was contacted by a collection agency about a credit card that I did not know existed. After speaking to them they agreed to turn the debt back to Bank of America as a possible fraud situation. I contacted B of A 3 times by letter explaining that I did not live at the billing address and had n't since XXXX. It appears that my ex wife was using the card, I asked for a copy of the card application and the charges, I also gave them my correct address. This started in XXXX, to date there has been only XXXX response which states that they changed my address in XXXX XXXX. In the mean time they charged off the debt and sent me a XXXX this year for over {$10000.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have set up an account with XXXX to monitor all XXXX of my credit reports. I have noticed several XXXX inquiries reporting on all XXXX credit reports that were not authorized by me in anyway. Rather than submitting XXXX dispute at a time regarding the unauthorized inquiries, I have attached a word document showing all unauthorized inquiries reporting on Experian. 

Company response: Company chooses not to provide a public response