AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: ComplaintDescription of the complaintMy wife received several deposits for tax product group deposits that we paid out to various clients. The accounts had funds priors to these transactions and after several weeks the bank decided to put a hold on these direct deposits because the name does not match the deposit.we went in to the branch to investigate and a member of the branch told us the bank uses a poverty index and scores clients just as XXXX does and because we did not score well on those index they decided to freeze all of my wife accounts.he advised that we needed to fax proof that the funds belonged to us and then they would release the funds. After this weeks went by with no response so i decided to discuss this matter with the liaison center and the operator told bme when asked that the poverty index in citi banks policy and unfortunately that was just the way they do business. I was then transferred to a rep named XXXX who said that the bank did not practice these methods and that was not likely that anyone told us this. she advised that would investigate both matters. I advised XXXX at this point we feel that bank has not only been racist but the bank has also shown us that they are discriminating against people with money issues or lack their of.I advised we just want our accounts closed and a check mailed. we are no longer interested in doing business with this bank. we then received a letter not even a phone call from amber stating that the bank terms allows the bank to close an account at anytime and that she does not feel the bank told us about a poverty line even though it was said clearly to me on a recorded line. what she failed to mention is that in the terms and conditions the bank does reserve the right to close and account but it also says that they will mail a check for any monies in the accounts. She has advised that the bank will stay with these funds unless my wife can come in to a branch with these people whose names are indicated on the deposits. I have submitted proof that these deposits where intended for these accounts and that they are not accidental. we are not only being deprived of these funds but also the funds that we already had in these XXXX bank accounts. 
How complaint can be satisfactorily addressed 

Company response: Company chooses not to provide a public response
Consumer complaint: On or about XXXX XXXX XXXX I was notified of a letter from Lustig-Wilson and Glaser regarding a proposed debt they may have purchased from XXXX XXXX attached to my name. I reviewed the letter and exercised my right under the provision of the FDCPA to request a validation of debt. I sent a certified letter to XXXX on XXXX XXXX and it was delivered and signed for on XX/XX/XXXX. The letter included my request for signature of my original contract from the original client, copies of all charges showing signature, and copies all of statements so I can review this information to determine it all is correct regarding the amount they state is owed. I placed a call 4 days after the certified letter was received by LGW and spoke to associate XXXX to confirm that the request had been updated on my file/records. He could not confirm verbally that my letter was received nor had my file/records been updated with my request. I called back a week later hoping to get an update and spoke to a female who I can not remember her name nor did I write it down, but she also confirmed that there was nothing noted on my file/records that my letter had been received. I called again to LGW and spoke to a supervisor named XXXX on XX/XX/XXXX, 16 days after the letter was signed for and once again I was told that there is nothing noted on my account about my letter requesting the VOD. XXXX then informed me that a request has been sent to the original creditor for information but they do that for all accounts in their office. I asked to speak to someone who could confirm that the office has in fact received my letter and he said he is the supervisor and there is no one else to can help me. I am extremely upset that I exercised my rights to request the VOD and that an office of law will not confirm basic information to a consumer that they are trying to collect from. I honestly think this is a stall tactic and find it unacceptable. I have done my diligence to respond within the appropriate time under the FDCPA validation provision and I have copy of the letter, tracking and proof of delivery. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I withdrew {$4500.00} cash from my checking acct. two hours later I get a call from the bank teller asking me if I have the withdrawl firm that I signed in front of the teller to withdraw the money. I answered no and laughed. The next morning I checked my acct. online. My {$4500.00}. withdrawl was debited from my acct. the withdrawl slip was copied into the summary. It was the one signed by me. In addition there was a XXXX withdrawl made on my acct. for an additional {$4500.00} dollars, with a withdrawl slip signed by the teller. An additional {$4500.00}. was debited to my acct. giving me a negative balance. The late fees and charges started almost immediately. The next morning I was at the bank when they opened the doors. I asked to speak with the mgr. I was asked to have a seat as the mgr. called the teller supervisor to talk with me about " the incident '', so they were obviously aware that something had happened with my acct. I was told that the teller shredded my withdrawl slip, this was not true, there is a scanned copy in my online acct. The teller then made up a XXXX slip and signed it, then debited my acct a XXXX time. The Mgr and the Supervisor both admitted knowing this but did nothing about the additional money being taken out of my acct. I asked if being off balance by {$4500.00} at the end of the day was just normal practice and was greeted by blank stares. They agreed to put the {$4500.00} back into my acct and would cover all fees charged to me by their bank but could do nothing about fees charged me by the " other end '' ie all the bounced checks they were responsible for causing. About {$240.00} was credited back to my acct by the bank. I have to say that once I showed them what they had done, they offered no apologies or even a good excuse. Neither the Mgr. Or Teller Supervisor would admit any responsibility and treated me like I was robbing the bank. 
I just received a returned payment charge this morning caused by this incident. I am going back to the bank this morning to discuss this. This has caused me a great deal of stress and inconvenience and now I 'm sure my credit worthiness is being affected. I am purely a victim if either incompetence, ignorance or maybe even criminal activity, and at very least my credit standing has been damaged. When I asked the Mgr if there was anyone above her that I could talk with she ignored me. She did not tell me bye, she did not apologize, she refused to even make eye contact ... ... 

Company response: Company chooses not to provide a public response
Consumer complaint: this is the worst company to deal with. customer service is awful. i ca n't get ahold of anyone. the website is so incredibly bad that you ca n't pay a bill. so the only way to make sure you pay on time is to pay by phone for a ridiculous pay-by-phone service charge. they are the bottom feeders of the mortgage world. this is my mortgage, and i ' the one paying back a quarter of a million dollars and i can not deal with the company i 'm giving my money to. i believe i should have some say in where my mortgage goes and who is handling it. Based on EVERY review i can online says this company is evil. someone should take a look. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was unaware that I had any debts of this amount. I recently paid off outstanding XXXX bills and was never notified of any unpaid balances of this amount. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My Macy 's bill was due XXXX XXXX. By XXXX XXXX I received XXXX phone calls. The first call was at XXXX and the last call was at XXXX. On Sunday, XXXX XXXX I received another call at XXXX XXXX. On Monday, XXXX XXXX, received XXXX more calls in the afternoon hours between XXXX. On Tursday, XXXX XXXX, I received another XXXX calls. XXXX at XXXX and the other later in the afternoon.on Wednesday, XXXX XXXX I received XXXX more calls, the first coming in at XXXX and the last at XXXX. On Thursday, XXXX XXXX, I received a total of XXXX phone calls. The XXXX call was at XXXX. After which, I went online and made a partial payment to try and subside the calls. I continued to receive the for calls after I made the partial payment. Later that evening when I got off work, I called and complained about the harassment. They made a note in my file. There was no apology, just blaming the automated system they have. I can understand calling a person once a day after there bill is late, but only being late by a week should not substantiate nearly XXXX calls in that week alone. 

Company response: Company chooses not to provide a public response
Consumer complaint: Debt was paid in full. At XXXX point the pmts became deliquent all pmts from then on were paid in full in XX/XX/2011 per the the contract. American Finacial of XXXX DE placed a derogatory remark on my credit report stating the debt was charged off. It does show a XXXX balance 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: A garnishment/hold has been issued on my bank account because my son is on the account. The debtor did not submit an court order to appear in court. The debtor was given automatic permission to seize my bank account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I did not open this credit card account and have informed the bank and submitted a police report and documentation requested by Santander Bank to that effect and submitted a dispute to transunion credit agency, but they continue to call me at work and home at all hours of the day and night. On XXXX/XXXX/2015 XXXX from Santander bank called at XXXX XXXX pst, and this has happened more than XXXX! 

Company response: Company chooses not to provide a public response
Consumer complaint: Some keeps calling from Allied Interstate that I can barely understand asking me if my last XXXX of my SSN is XXXX. It is not me, and even if it was, I would absolutely never answer that question on the phone to someone who calls me claiming to be somebody. There are scams going on everyday with caller ID spoofs etc. This should be a crime or against some laws. I feel threatened that my identity is not safe etc. These kinds of collection tactics are extremely distasteful and useless. They need to use a better approach as anyone who would let them know their last XXXX of their SSN without verifying who they were giving it to on the phone is gullible. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I got email this morning from BRINKS Money claiming the following : " We mailed your new Brink 's Prepaid MasterCard ( XXXX ) today! It should show up ( in a plain white envelope ) very soon '' and asking me to activate it. 

At no time I applied for this card. I called them and they said it was just an advert asking me if I want the card or not but there was nothing advert sounding about the email. It is designed to make people believe that they applied for the card because the email expressively stated " You received this email because you have a Brink 's Prepaid MasterCard. We value your privacy and our relationship. View our online privacy policies. If you no longer want to receive feature updates, card benefits, and promotions from Brink 's, unsubscribe or mail your request to XXXX. XXXX XXXX, XXXX, TX XXXX. '' 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was not properly notified about the lawsuit or garnishment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Peaks private student loan quit contacting me for a year after bankruptcy now every 3 months I receive an email stating that I owe them money. I have pulled my credit report and it does say discharged due to chapter XXXX bankruptcy. I have advised them of the bankruptcy my attorney information and the will still not quit contacting me 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Fell upon hard financial times! XXXX business went under, had to sellshares of another business to cover due from share holder! went through a long costly divorce! 
I changed from office/owner to hourly employee! with a drastically pay cut! 
I found myself homeless ( house foreclosed on! ) and owing money I could not repay! I called Region 's Bank and explained to them my status! They ( same day I called ) immediately came and took ( repossession ) Motor Home! Yet after them taking Motor Home my Debt with them went UP! they did not give any value ( for what they sold it for )! They keep showing recent payments! I have notmade any payments to Region 's Bank for Motor Home once theyReposed it! 
Due to my misfortune 's and the Banks tactics I have no choice butto file Bankruptcy! 

Company response: Company chooses not to provide a public response
Consumer complaint: OK back in XXXX XXXX i purchased a XXXX XXXX from Credit Acceptance for the amount of XXXX. Well now on XXXX XXXX they are trying to say i owe them still XXXX and here the problem they sent me a payment history sheet and i have added up all my payments and that has came out to be XXXX which that is XXXX more then what i was suppose to. Which i feel the XXXX is coming from the late payments they have added on which they were XXXX of those which that came out to be XXXX. Which they were XXXX of the late payments which they are XXXX a late fee. I have brought this to XXXX attention from Credit Acceptance again and she acted like it wasnt a problem. 

Company response: Company chooses not to provide a public response
Consumer complaint: The company claims that my husband owes them {$84000.00} in student loan debt. The loan does not belong to them, but they are trying to make payment arrangements with us. They have also called and harassed my neighbors and landlord. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX unrecognized charges classified as Bank Fees appeared on credit card activity statement. XXXX appears to be from a dispute on my credit card account earlier in XXXX and the other charge is not recognized. XXXX charges appeared XXXX/XXXX/2015 and are listed as XXXX XXXX and XXXX XXXX XXXX XXXX. No information was conveyed regarding these charges ( written or electronic ), why they are present or what is the rationale behind them. 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2009 I had checks stolen from my ex-husband 's home, in which I did not reside at the time. The person who stole them cashed them at various stores and banks. He and his girlfriend were prosecuted but at the time I did not file identity theft because I was busy trying to pick up the pieces of my life. I did not know about this until the detective contacted me because this person was caught at a bank cashing them. I do not remember the detectives name, the person who was charged is XXXX XXXX. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: paid collection at XXXX XXXX/XXXX/2015 shows no balance, but Diversified consultant is show smae $ same reason that I owe $ this typical of XXXX, they were the original creditor. The turned over to XXXX and then over to Diversified. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received this creditcard ending in at my request.. Icontacted them several times to CLOSE the account, but I 'm still receivingpromotions and statements. 

Company response: Company chooses not to provide a public response
Consumer complaint: Since 2010, we have submitted several applications to Bank of America for refinance or modification of our 30 Year Conversion Option ARM. We are current on our payments and have excellent credit. Bank of America has provided excuse after excuse concerning our documentation and the rejection of our application. To no avail, we have solicited professionals on our behalf to query, complete and submit our documents to Bank of America. Right now, we have only XXXX ( out of XXXX ) ARM options available, i.e. the 15 year or minimum. We can not afford the $ XXXX/month 15 yr option, therefore we pay the minimum $ XXXX/month. We have in essence a negative amortization loan with a balance of {$310000.00}. Our payments do not include taxes and insurance. We are debt free except for our home. This year, we will be on a fixed income and it will be a financial hardship should we continue in the future with this obsolete XXXX option ARM mortgage plan. We want Bank of America to give us a reduction in principal and payment, fixed mortgage relief. Bank of America has all the information ( XXXX yrs ) at there disposal to make our request a reality. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX & XXXX we had experienced financial hardship due to unexpected medical bills for our XXXX daughter. We also most recently in XXXX have experienced a change of jobs and reduced income. For the last XXXX years we have applied for a loan modification with our bank XXXX times with no success. We were referred to you by a local attorney. 

Thanks, 

Company response: Company chooses not to provide a public response
Consumer complaint: There are XXXX inquiries on my report, XXXX from XXXX XXXX, which should be coming off this month and XXXX from XXXX XXXX, which I did not authorize? That too should be coming off soon 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian for the past 3 mouths this company will send up dated credit reportAll XXXX will not sent out letters of dispute will take off accounts that someone usedI need up date report on all XXXX I ask to delte the late charges the bank will not send mestanding ments of what been charge date back XXXX of 2014. 
Copys of letters that I sent for the last XXXX mouths all XXXX not every good company to do business I have a right to dispute what is on my credit all I get is the run around. 

Company response: Company chooses not to provide a public response
Consumer complaint: I never received payday loan and collection will not remove from credit report. The original disagreement was over 7 years ago. Collection agency is reporting it as new debt and did not send a notice before putting it on my credit reports so i could dispute it. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I never received payday loan and collection will not remove from credit report. The original disagreement was over 7 years ago. Collection agency is reporting it as new debt and did not send a notice before putting it on my credit reports so i could dispute it. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have paid all of the principal of my Home Depot Credit Card within six months, as required. However, Home Depot is trying to bill me for late fees and interest. When a clerk induced me to get the card, the clerk did n't tell me about the minimum payment per month and the late fees and interest that would be assessed. Not do these hidden fees appear in the credit card agreement. I have already sent a letter to Home depot 's Credit Card Services, which I 've attached, with supporting documentation, detailing what happened. I 'm simply requesting that Home Depot cancel my bill for hidden fees. The practice is unethical and illegal. 

Company response: Company chooses not to provide a public response
Consumer complaint: We received a letter from Complete Payment Recovery Services , Inc. out of Alabama, regarding a debt from XXXX we DO not even KNOW who or what this is. Letter sent out XXXX saying it was a payment to a company we do not even use or ever heard of. Also, an amount we have never paid. We wanted to pass this on if this company is doing this to businesses and are they are not paying attention, it could be a issue. I also do not even use those check numbers. 

Company response: Company chooses not to provide a public response
Consumer complaint: I lost a bank of america credit card in XXXX and asked for a new ones, with a new number. 
ever since then, I have paid off each statement in full riggt after recieving their stament, and the next month find out they have charged high interset, saying the balance was not paid in full. 
XXXX times i have paid the amount in the local BOA office, with a rep calling to confirm the correct amount, pay it, yet they keep charging interest for not paying in full. After the last statement i told them would file complaint if it happened again, and it did. I charge that BOA is doing this on purpose and ripping off other customers. As a computer programmer belive they are printing statements with a cut off date, but do not cut off that statement for several more days. With my latest statement, i called to complain again, BOA told me i was wrong, but could not explain the charge. I have called and cancelled the card, will pay it off at the local BOA, and inform them I am pushing for BOA to be fined. I can produce the statements and paymentdetails as needed. 
Sincerely, XXXX XXXX XXXX XXXX. 
XXXX, XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response