AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I made a purchase on XXXX/XXXX/15 that was cleared on XXXX/XXXX/15. The bank reconciled my account one week later for a purchase that has already cleared and in the process, funds from my account in the amount {$2.00} are missing and subsequently caused my account to overdraft XXXX. When I saw the mistake that had taken place I called the company to request an investigation into my account to inquire why my purchases were reconciled after they had cleared an spoke with XXXX who informed me, before she even understood my complaint, that there is n't anything she could do to assist me. I then requested a supervisor and spoke with XXXX, employee ID # XXXX, from a New York call center. She informed me that she could not help me and there was not a department that she could transfer me to that could assist me as well. She informed me that she was a manager and there was not someone over her that I would be able to speak with. She told me that none of her managers spoke with clients. This ordeal is causing me a great deal of stress as I have recently lost my job and can not afford fees that I did not inquire. The supervisor insisted on telling me what she was seeing although I informed her that the information in the system is incorrect. Online banking is the only tool BoA clients have to keep up with their funds and with your supervisors telling us that the system is constantly incorrect and that we should not be using it as a way to keep track of our funds is unacceptable. I called XXXX and the call lasted XXXX minutes. 

Company response: Company chooses not to provide a public response
Consumer complaint: Paypal limited my account on XXXX XXXX, and would hold my cash balance of {$2700.00} for 180 days. And I was told this action was not appeable. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/2015 I responded via fax and through XXXX XXXX to Chex Systems regarding additional information that they needed to me to support my claim of clearing address 's that does not have any associations with me. On that day I sent a notarize personal statement about the address that did n't belong to me and I also sent them a Police Report as they have requested for me to do. I have attached a copy of the XXXX XXXX delivery confirmation, police report and notarized statement. With reading their rebuttal to me now stating the police report that I have sent them does not specify dates or date range to remove the information. And now I need to get an additional police report that specifies in further detail about ID Fraud. I will do so. But, I did send a notarized statement to you on XXXX/XXXX/15 and I had attached it to the cfpb dispute # XXXX, and I also sent the original to you via XXXX XXXX which you received on XXXX/XXXX/15, and I also faxed all the statements to you on XXXX/XXXX/15 as well. Also, on the police report it did state the XXXX banks XXXX Bank and XXXX Bank but you only mentioned that you deleted XXXX. Your consumer report dated XXXX/XXXX/15 is attached as proof. Now XXXX XXXX XXXX XXXX XXXX, CA XXXX is my parents address. My parent has owned that property for more than XXXX years. I stayed there up until I was XXXX years old. I do n't know what more to say regarding that but I have n't lived there since that time. Please divulge the name of the Bank and or credit union that has reported my name using that address recently so that I can speak to them directly to clear that information out. As stated before I will get a detailed police report first thing in the morning and re-submit it to you so that all the other disputed items can be removed. 

Thank you Also please look at the notarized statement that I sent you via this portal, fedex and fax 

Company response: Company chooses not to provide a public response
Consumer complaint: THERE ARE UNKNOW INQUIRES ON MY CREDIT REPORT THAT I DIDNT MAKE 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is a complaint of a general nature. Advertising on TV touts free credit reports and the link in the FTC websites citing free credit reports take a person to XXXX. In the end everything is provided with the exception of an individuals credit score. All XXXX credit agencies demand payment for this info. My question is of what value is a free credit report without this critical piece of information. 

Company response: Company chooses not to provide a public response
Consumer complaint: 
On XXXX XXXX 2015 I was interviewed online by a recruiter pretending to hire for a company named : XXXX XXXX XXXX based in XXXX. The job according to the job posting would consist of Data entry from home and I was directed to expect a {$2600.00} check to buy equipment for the job. The next day the check arrived at my door by express mail, I dropped it to my bank by ATM the same day but afterward I realized that the name of the company was not mentioned on the check ; I connected online with the recruiter and asked what the procedure would be after I receive the money. She said to me that I should withdraw the money and direct deposit it in another account Than I realized I was in a middle of a scam, right away I called the Bank asking if they could withdraw that check from the ATM machine and they said to me that they do not have access to the ATM system, I should wait for the operation to go through and then meet them after the check is processed, which I did on the XXXX of XXXX after the position of my account was updated with the amount of the check. The same day I went the Suntrust XXXX Branch and and the officer confirmed to me that the check is in fact a fraud. I asked her to put a hold on my account and return the money immediately. She advised me to open another account as the previous one was compromised. I followed her advice and deposited {$100.00} in the new account. She told me that the new account will be connected to my check card since the old account will be frozen till the procedure is completed, and later on closed. she said it will take XXXX business day for the new account to be connected to my online banking system. After the XXXX days, nothing went the way she told me. I called her, and she told me again that I should come to the branch and fill up a form for the connection to take place, which I did. 
From that point everything took another turn as my new personal checking account was frozen, my online banking system suspended. I could n't process any online payment since my business account was connected to my personal account through the online banking system. Since Monday XXXX XXXX I am at the branch everyday, the team-members of the branch are powerless in finding a solution to my problem. The bank has terminated my relationship, closed my old personal checking and saving account, frozen my new account, and do not want to talk to me. they have no schedule to when my money will be given back to me. I have bills to pay and my money is blocked by Suntrust bank. I am being penalized for doing the right thing. I am lost and do not know what to and I am also a victim and surprised by the action of this against me 

Company response: Company chooses not to provide a public response
Consumer complaint: Tate & Kirlin Associates were calling me after I told them I 'm on Social Security XXXX and Ally had already " Charged Off '' loan as bad debt on both my wife 's and my credit reports. I also told them to stop calling. Now they are starting to send mail wanting to collect on the debt. 

Today, we have sent them a " Cease and Desist '' fax but not sure they will receive it or honor it. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was sent {$2400.00} from my client through Paypal. When I logged on to Paypal to transfer the money into my bank to balance our cash flow, the system showed that only {$69.00} of the {$2400.00} was available and the rest would be held for 21 days. I called Paypal and spoke with an agent and asked him to have the money released immediately as we were expecting theis money as deposit to start our work on the project. The agent walked me through the website to indicate that I was not selling anything that required the hold. He said after that process the money would be released in three days. After 4 days the funds were still held back. I called Paypal again and spoke with another agent who said he could not remove the hold and that he would have the supervisor email me a response to my complaint. I had to go through a lot of trouble to fix our finaces so that our chceks would not bounce. It is already 20 days and I just chceked, the money has still not been released. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Been 90+ days and not a word, or fix I should say 

Company response: Company chooses not to provide a public response
Consumer complaint: I was accessed an overdraft fee for a little over {$1.00} being overdrawn for less than a few hours. I 'm not denying the validity of {$35.00} fee, but I would like it waived as I do n't feel that the circumstances surround the fee justify it 's amount. I also received another {$35.00} overdraft fee, two days later, when my account, once again, was overdrawn for less than a few hours. 

On XXXX, I called the call center XXXX times and spoke with XXXX different managers. They all told me the same thing - we waived a fee for you in XXXX and we 're not going to do it again. And each time I told them that I would leave the bank, they said " we 'd hate to see you leave, but we 're not returning the fee. '' I even went above them and called a Customer Advocate who told me the exact same thing - I was confused who she was advocating for at that point, because it was clearly not the customer. And the same thing with her - she was willing to let a loyal consumer leave the bank before she budged an inch with waiving the fee. On XXXX, after being assessed the second {$35.00} dollar fee, I used the " chat with us '' system. I told the customer service representative what had happened, and he stated that if it was going to be resolved by being taken off of my account, than the first representative would do that. I then told him that I was going to file a complaint and he insisted that I wait for his manager. While waiting, I received numerous " we 're busy, we 'll be with you in XXXX minute '' responses. Nothing was resolved. 

I 've been with Bank of America for over five years. It has n't always been perfect, I 've gotten overdraft fees before - I 've paid some and I 've had some waived. At the end of the day, I 'm still a good customer with XXXX accounts, a credit card, and I 've told many people good things about the bank when they inquired about where they should do their banking. 

I would like to see the bank waive the {$70.00} in overdraft fees. If they are not willing to do that, than I would like to withdrawn my funds and begin banking somewhere that wants my business more than they want a fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: The public record in question has been reporting with an incorrect filing date. The judgement was paid in full when I was surprised with a document via Certified Mail. I contacted the collection agency ( XXXX XXXX XXXX XXXX ) immediately and they told me the debt was from a hospital. I had been getting the run around from the hospital and my insurance company about this debt and then it got kicked to the collection agency. I would like to state that I paid off the judgement in full immediately after receiving the documents. The dates differ from each collection agency to the next as far as the filing date of XXXX/XXXX/10 to XXXX/XXXX/10 for the civil judgment. The dates simply do n't match up. It 's also frustrating when the original debt from the hospital was from years before that. This needs to be removed. This whole ordeal was a messy and heart-wrenching one for me years ago. I had a health problem so I went to get healthcare and the insurance and hospital billing were n't seeing eye to eye and I was n't being kept in loop. It gets sent to collections and I get a surprise judgment against me and I had to scramble to pay it in full. Anyways, that 's my personal story. I 've grown wiser. The whole deal was a fly by the pants operation and it gets reported wrong to the collection agencies. Thank you for reading this. I do appreciate it. 

Company response: Company chooses not to provide a public response
Consumer complaint: My account with XXXX XXXX was given to C & E Acquisitions the company transferred the file to XXXX XXXX XXXX, it turns out after they are not licensed in AZ, while the file was in their possession, they pulled my credit without authorization. XXXX XXXX XXXX threaten on several occasions to take legal actions. So I have filed a complaint with AZDFI over not being licensed. I have requested license information and accounting of the account to ensure that my rights were in fact protected under the SCRA. I was activated XXXX times during the time in which I had the account. 

Company response: Company chooses not to provide a public response
Consumer complaint: The public record in question has been reporting with an incorrect filing date. The judgement was paid in full when I was surprised with a document via Certified Mail. I contacted the collection agency ( XXXX XXXX XXXX XXXX XXXX ) immediately and they told me the debt was from a hospital. I had been getting the run around from the hospital and my insurance company about this debt and then it got kicked to the collection agency. I would like to state that I paid off the judgement in full immediately after receiving the documents. The dates differ from each collection agency to the next as far as the filing date of XXXX/XXXX/10 to XXXX/XXXX/10 for the civil judgment. The dates simply do n't match up. It 's also frustrating when the original debt from the hospital was from years before that. This needs to be removed. This whole ordeal was a messy and heart-wrenching one for me years ago. I had a health problem so I went to get healthcare and the insurance and hospital billing were n't seeing eye to eye and I was n't being kept in loop. It gets sent to collections and I get a surprise judgment against me and I had to scramble to pay it in full. Anyways, that 's my personal story. I 've grown wiser. The whole deal was a fly by the pants operation and it gets reported wrong to the collection agencies. Thank you for reading this. I do appreciate it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a line of credit with Macy 's and pay my bill online through Macy 's website. For the last XXXX payments, their website confirmed my payment was made and accepted. Time passes and I am notified by Macy 's that I never made my payment. Just like all prior payments, exactly the same way with no issues until within the last few months, this started happening. I would have had no idea I never made my payment. What happened after that is the XXXX big issue. They immediately reported me to the credit bureaus, reduced my credit limit and started calling me treating as though I was a criminal. I contacted them after the first time and said I made my payment your website accepted it and somehow it just disappears? They ultimately reversed the late charge, and increased my credit limit. Here I am again, make the payment online and they then contact me again, calling me, said I never made my payment, tacked on another late fee, reported me to the Credit bureau, reduced my credit limit again. I called them again, gave them the payment information and told them your website is accepting payments, confirming and then they disappear, there is a very bad problem with your website. I made my payment over the phone and they back out the late payment again. Subsequent to the last contact, within a matter of 10 days, they added another late fee ( and no payment was due ). I contacted them and have proof of my balance, I then paid off the account over the phone with the rep. and requested a zero balance letter, and confirmation. They took the money out of my draft account and now are billing again after paying off my balance. They have caused harm to my credit report XXXX times times when I actually made these payments, they continue to add fee 's that are not warranted. They accepted payment for the full balance on account and generated another bill with a balance after it was paid off, they need to be investigated. 

Company response: Company chooses not to provide a public response
Consumer complaint: It is showing on my credit report that i owe money on XXXX when i already paid everything. Infact I still have an open account on XXXX for my internet swervice and home phone service. I have ask XXXX why is this Debt showing from this company and they have told me they dont know why or how. They said they have contacted the Debt collector and told them that i dont owe any balance from them and they still didnt take it out of my credit report. I have called the Agency to show me proof of this Debt and they refuse to send me any document. This is affecting my credit big time since im trying to build my credit and purchase a house. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received emails from XXXX XXXX ( XXXXXXXXXXXX ) re : a debt owed. They state I owe money for a loan that fell delinquent. 

When I asked them to provide me documentation of my original loan, balance due, payment history and how they acquired my " bad debt '', they responded that my paperwork had been " seized ''. If I do not pay them now, my file will go to court and that is when I can view the documents. I asked why are the contacting me if my file has been " seized ''. They could not answer the question, only told me to pay today to clear the matter. 

I copied all emails. The collectors are a company I never directly dealt with. Their information is : XXXX XXXXACE Cash Services ( XXXX ) XXXX 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I received a letter from Loan Depot offering a mortgage refinance. I called the company and spoke with XXXX XXXX who took my information and ran a credit report. He told me that I qualified for the mortgage and sent an email with rate and payment details. 

When I asked for a copy of the Good Faith Estimate and other Truth in Lending documents, XXXX XXXX said that Load Depot did not provide them unless I agreed to lock the rate, which would involve paying for an appraisal ( {$390.00} ). As I understand the law, the lender is required to provide TILA documents within three days of the application. I made the application to Loan Depot on XXXX XXXX. 

I subsequently made a second request for the disclosures and never received a reply. 

Contact information for the company is Load Depot, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My payments on this debt are not being reported accurately. This debt began as a private student loan I took out while I was in graduate school. I finished graduate school XX/XX/XXXX and had no job and no other income. I defaulted on the debt because I had no way to make the payments. 
As soon as I was able to get a job and get back on my feet, I began making payments on this debt. I have made monthly payments for over XXXX years now, for a total of over {$6000.00} in payments. I still have over {$9000.00} left to pay on the debt. I have asked the lender for a rehabilitation option or some other way to get this debt back in good standing ( since most student loans have that option ), but they always tell me they do n't offer a rehabilitation option. 
Although I always make a payment of {$200.00} each month on this debt, this debt is reported every month as " Past Due. '' There is no way to tell from my credit report that I am making monthly payments on this debt. This company has agreed to accept $ XXXX monthly, and I pay them $ XXXX monthly. That agreement should be reflected on my credit report as " pays as agreed. '' Instead, I look like a deadbeat who does n't pay her bills. I just want my payments reflected accurately on my credit report. 
What makes the situation even more ridiculous is the fact that my father, who filed bankruptcy XX/XX/XXXX, has a better credit score than I do. I have made sacrifices and delayed goals like buying a house so I can pay off this debt. Even though I 'm doing the right thing by paying this debt off, I feel like I 'm being punished. Should I have just wiped out the debt instead by filing bankruptcy too? The way my credit report looks it seems like that would have been smarter. 
This debt is scheduled to stay on my credit report until at least XX/XX/XXXX. I 'm making payments every month. I just want those payments reflected accurately so I can move on from ruining my credit five years ago. 

Company response: Company chooses not to provide a public response
Consumer complaint: I stopped service with XXXX on XXXX XXXX, 2015. I received a final bill XXXX XXXX for {$69.00} and promptly paid it. Payment was not due until the XXXX of XXXX. XXXX received payment on XXXX the XXXX. On XXXX the XXXX I received a call from Credit Protection Association L.P. stating that they were a debt collection service attempting to collect a debt. I then received a letter dated XXXX XXXX from the same company that XXXX had turned over my supposed debt of {$69.00} to collections. This affects my credit score and I am furious. I have spoken with XXXX without much help being shown my way. I want my any dings on my credit cleared and I want to know if this is a common, predatory practice by XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a mortgage through US Bank. Several months ago, due to my medical condition and other short term circumstances, I fell behind on my payments, during which time I submitted a loss mitigation package to give me temporary respite to get caught back up. US Bank had said they needed more information for my package ( specifically a written statement that I no longer had tenants ), but had not informed me of such. By the time I was informed, my loss mitigation package had already been dropped ( XXXX XXXX ). Now I am in danger of foreclosure. Additionally, I was told that when I submitted the required paperwork to my POC via email, the representative I spoke with told me it was n't their responsibility to check that the document was received, and had no knowledge of whether or not it was. Furthermore, I asked for protection under the SCRA, using all proper procedures, and had no response regarding that aspect. 

Company response: Company chooses not to provide a public response