AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I tried calling the lender 2 times and those representatives were rude. I tried to explain that my husband is sick and in the process of filling for XXXX with the help of his doctors. I am working XXXX jobs and am not able to make the current payments to the lender so I called to find out about forbearance or deferment or possibly reducing the payments until I can get more money to pay. The representatives refused to help and suggested other parties pay the loan, this is uncalled for because it is my loan to pay. The XXXX gentlemen I talked to was polite and able to help a little. If the company is unwilling to work with me to reduce payments or help with deferment or forbearance, I am going to need to look into loan forgiveness or possibly filling bankruptcy with my husband once his XXXX is approved. The company is in the practice of predatory lending and has been under investigation for such things, this is a perfect example of this conduct. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I schedule payments for my Citibank AAdvantage Platinum MasterCard online. I have never payed late and always pay the full amount. Last month I apparently scheduled my payment two days after it was due by mistake and incurred almost {$80.00} in fees and interest. I called and Citibank waived the interest and fees. When I went to pay the current month 's bill, however, I discovered what may have been the root of my mistake. After you select the amount you are going to pay online you select a date. When you click on the calendar to select a date there are a number of days that are in bold starting with today 's date and extending out about 9 days from today. The days after that are not in bold, even though they are within the same month and in the middle of the week. What I noticed is the last two days highlighted in bold on the calendar are past the due date for this month 's payment. I believe the bolding of dates on the calendar is a deceptive practice designed to get customers to select a date that is past the due date. 

Company response: Company chooses not to provide a public response
Consumer complaint: a company called XXXX XXXX XXXX made a hard inquiry on my credit report on XX/XX/2015 i never had any dealings with this company for any type of reason i never applied for credit, employment from them, i firmly believe this company is the same one i had previous trouble with XX/XX/2015 just a different name 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife and I were vacationing in XXXX XXXX XXXX for the 1st time XX/XX/XXXX. We attended a presentation for XXXX XXXX on Monday, XX/XX/XXXX and purchased a timeshare. The next day we were at the marina and speaking with someone at a booth. He sold different excursions like for fishing trips and such. Of course, he asked us we had been to any presentations and we said yes and told him we had purchased a timeshare at XXXX XXXX. We also told him we were having second thoughts about the purchase. He told us that by law we had 5 days to cancel. He also told us he could set us up at another presentation with a vacation club and they would purchase our timeshare and we would be able to have a membership and save a lot of money. We looked at our contract for XXXX XXXX and discovered that we in fact did have 5 days to cancel. Well, we should have just cancelled. Instead, the next morning we went to the presentation at a place called XXXX. This is a very nice area of XXXX with beautiful home overlooking XXXX. We were taken in a taxi to a very nice home. We were greeted by a very nice and professional looking woman who sat down with us and asked us to show her our identification and a credit card. This seem like a standard procedure as this happened when we went to XXXX XXXX. She proceeded to ask us a few questions and then introduced us to a gentleman by the name of XXXX. At this point, we are not sure if this is his real name. He started explaining to us how this vacation club called " XXXX '' would allow us the flexibility to use our money for a variety of different types of vacations. He told us that he would purchase our XXXX XXXX timeshare and we did not have to cancel. He told us that what we paid to XXXX XXXX would be applied to our vacation club membership. It all sounded too good to be true and as part of becoming members we would receive a two week vacation for XXXX. He wanted us to pay {$8000.00} but we told him that we could not. So, agreed to pay {$4000.00} and finance {$4000.00} for 12 months beginning XXXX XXXX, XXXX. He gave us the paperwork to look over and we had breakfast outside on the patio of this home overlooking a beautiful pool. We paid him {$4000.00} with a debit card. 
Last month we started getting emails from XXXX XXXX about our account. I finally called XXXX last Friday and learned that our timeshare had not been purchased or transferred. I looked at my paperwork for XXXX and called the toll free number. It is not a valid number. I called so called XXXX 's cell number. It is not a good number. I sent an email to XXXX and XXXX and both bounced back as invalid email addresses. Basically, all the information given to us was fake. A total scam. We have contacted our bank and are hoping to get the money bank. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had applied for AT & T XXXX XXXX Credit card from Citibank ( XXXX ) and the same got approved on XXXX XXXX, 2015. The card has an annual fee of {$95.00} and it has an offer related to reimbursement of upto {$650.00} incurred towards purchase of new cellphone from AT & T provided new user spends {$2000.00} within 3 months. However, AT & T ( Both online and Physical store ) has declined to honor the offer citing obscure reason that they are not sure about my identity ( they can issue me a credit card nonetheless ). Even citi bank has not stepped into resolve the issue even after multiple complaints. I feel I have been cheated by the fraudulent advertisements of citibank. 

Company response: Company chooses not to provide a public response
Consumer complaint: The last correspondence I sent this company on XXXX XXXX, 2015 pertained to a demand for validation. The company has failed to provide me validation of the account and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ). 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I called Wells Fargo on XX/XX/XXXX to see if I could apply for a forbearance for two loan payments XX/XX/XXXX. I had a medical hardship as I XXXX and work did not approve my FMLA. I was told it could take up to 10 business days to complete the process. I did not receive any confirmation or denial via email, phone, or paper mail so I followed up on XX/XX/XXXX. The representative informed me that the processor needed additional information. The additional information needed was provided during the original call on XX/XX/XXXX. Due to the excessive time it has taken my payments are due and I have had to borrow the money to ensure my payments are made. I have never missed a payment since my loans went into repayment status. I have perfect credit and will maintain my scores in any way I can. I also feel like Wells Fargo is a predatory lender. I requested that Wells Fargo consolidate my loans and they denied my request due to my debt to income ratio. The rates of interest are 4 percent higher than unsecured loans on top of that they are variable rates with no fixed rate options. If the prime rate increases I assure you I will not be the only consumer crippled by this predatory loan structure and lack of willingness to help the consumer. 

Company response: Company chooses not to provide a public response
Consumer complaint: I signed up for a no annual fee credit card through Bank of America with a 0.00 % introductory APR for 12 months. However, I am being charged a {$1.00} " Minimum Interest Charge '' on my statement every month. I called customer service the first time I noticed it, and they promised to remove the charge, but this has continued to happen every month since. " Minimum Interest Charge '' is described in their credit card agreement as, " If the total of the interest charges for all balances is less than {$1.00}, then a Minimum Interest Charge of {$1.00} will be assessed on the account. This fee is in lieu of any interest charge. '' I have accrued {$0.00} interest thus far due to my promotional APR rate of 0.00 %, and {$0.00} interest should not fall under this definition of Minimum Interest Charge. 

Company response: Company chooses not to provide a public response
Consumer complaint: After several phone calls and letters, requesting that they correct my address so I Can receive my free credit report with no success. I get the same run away. I have sent Mail Copies of Dl, power bill, SS card, cancel check. And still same thing ask me to send more. XXXX rep said there was no zip code on my power bill. Which you can Clearly see on the copy. Address and zip name ect ect 

Company response: Company chooses not to provide a public response
Consumer complaint: USBank and XXXX -This card was charged off back in 2001 they attempted to put a lien on my home but it fell off but since then I 've sold the house. I have not heard from these people for XXXX years and all of sudden they are trying to serve me. This company is harrassing my family members. 

Company response: Company chooses not to provide a public response
Consumer complaint: I called Wells Fargo in XXXX to defer my loan. They usually offer deferments in no more than 2 month lengths. I was asked to make the payment for XXXX then I would be approved. I made the payment then was told my deferment was approved for two full months and that payments would resume in XXXX. A month later, I got a letter in the mail saying I was late. I called because I was puzzled as to why I was getting this letter when my loan was in deferment status. After having to explain my story several times, I was told the deferment was canceled stating they can only give two month 's deferment in ac12 month period. I 've talked to several departments and they all refuse to help me. Instead here threatening to report me to the credit beareu and keep tacking on late fees of {$28.00} each. I was not planning on having to pay them XXXX payments of {$220.00} each and XXXX late charges ( so far ) so my XXXX payment of {$220.00} will still have me in the red and I wo n't be able to catch up for several month to a year. There 's not a lot of companies that refinance student loans. I wish I could leave XXXX afar go since they are not customer friendly and obviously do n't mind hurting their customers. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had XXXX cable service. I decided that I did not want to have their service anymore. I want into XXXX of their stores. I turned in all pieces of equipment. XXXX actually owed me money from me over paying my bill. However they somehow lost this piece of equipment. Failed to notify me of this issue and referred me to a third party collections agency enhanced resolution center. They have been harrassing me. Calling me eight times a day over an issue I 've spoken about to XXXX. They 're " researching '' the situation but yet I 'm still getting calls. Now XXXX is calling my roommate who nowhere in my contract with time warner is she listed or named or phone number provided. I worked as a collector for over a year. I know the laws this is harassment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Gatestone & Co. International XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX DE XXXX REF # XXXX XXXX Collection agency made contact with my XXXX father before even making a phone call to me. They asked him if he was XXXX XXXX ( An Authorized Person ), he said no. They proceeded to release all of the details of the debt, ways to make payments, and how he ( My Father ) could help me pay. They then disclosed that I was on XXXX with my employer, that they had contacted XXXX of my previous employers inquiring about my work status. I called them back and they tried to tell me that my father had answered all of the " security questions '' right, like my social security number, Date of Birth, and address. My father does not know any of this information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed a collection from XXXX which they claim I paid my debt through them. which I did n't I paid my debt through XXXX. I want the collection taken off of my credit report. I have proof on XXXX/XXXX/2015 I paid my final payment too XXXX for XXXX XXXX. have stated I paid them when I did not I have paid my debt through the original debtor 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo denied my claim to dispute a charge of {$15000.00} to a company named XXXX. The reason for their denial was that the company furnished a contract and claimed they rendered service. This company is a scam, selling online business and a coaching program. They flat out lied to me about everything. They sold me an online business that they said would be profitable making $ XXXX in months and $ XXXX a year $ XXXX in 3 years. Not only did I not make a penny, they never provided anything more than a 5 minute phone call every week and a non-functional website. They are getting away with scamming unsuspecting consumers and my bank is helping them. Is it Wells Fargo 's right to take the companies word over their customers? To decipher a contract and decide what was and was not done. When you research this company there are dozens of complaints similar to mine. Furthermore they sold my name to about a dozen other cons. 

Company response: Company chooses not to provide a public response
Consumer complaint: Previous landlord at a apartment complex trying to charge cleaning fees for an apartment that I vacated in XX/XX/XXXX. Landlord sent bill to a collection agency which is trying to contact me to collect charges. I am currently XXXX via military services at XXXX XXXX, XXXX and I have not received any proof of charges for my review in my present location as requested to collection agency 3 weeks ago. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I submitted multiple disputes with Experian regarding acct identifier : XXXX. This acct was closed in XXXX and was Paid in Full on XXXX. With every dispute the status of the acct got worse culminating in XXXX when this fully paid and closed acct showed up with an Open - Collection status which caused me to be denied for credit by XXXX ( inquiry on XXXX XXXX, XXXX ) due to " recent or current delinquency ''. Experian finally corrected the status of the acct to Paid, Closed but NOT the Payment History where it shows a " C '' mark for XXXX meaning the account is still in collection. This is contrary to the acct status of paid, closed. I called XXXX XXXX who insisted they report correctly. As it stands now, I ca n't even file an online dispute with Experian. I do n't know the reason and it is not stated when they reject me from filing a dispute. I also called Experian who blamed it on XXXX. I filed XXXX complaint XXXX against XXXX XXXX who responded on XXXX XXXX XXXX with a letter ( attached here ). Based on this letter it is clear that Experian is at fault for willful negligence in not removing the Collection mark for the month of XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: 1. I was told when checking-out at Home Depot that if I signed up for a HD credit card, I would get 5 % off every time I shopped there. I would need to follow-up and sign-in online to fix my settings so I would get that 5 % credit to my statement. 
2. I proceeded to get the card and shop at Home Depot ( HD. ) I did not receive 5 % off. I signed in online but I was not able to find a 5 % off benefit anywhere. 
3. I called in to the card 's phone number to express my concern. After being escalated to a manager, I was told that the 5 % off was not a card benefit, but a store benefit, so I would need to speak to the store manager. This was on XXXX XXXX. 
4. I went in to speak with the store manager on XXXX XXXX who told me that, yes, I could get 5 % off, but I would have to inform the cashier each time I checked out. 
5. I proceeded to shop, and when I checked-out, I told the cashier I wanted to get my 5 % off. He tried to get the discount, but was unable to because he said there was a glitch in the system. He shrugged his shoulders and said 'sorry. '6. I called in again to cancel the card and expunge the record of having an HD credit card from my credit history. They refused. 

Company response: Company chooses not to provide a public response
Consumer complaint: Say I was seen in emergency room for XXXX I am XXXX yrs old had them when I was XXXX & XXXX. Notmy debt 

Company response: Company chooses not to provide a public response
Consumer complaint: US Bank charged thousands of dollars unnecessary fees when I had genuine right to dispute things like being charged twice or XXXX right to refund as trains were late 2 hours both forward and back from New York XXXX. Genuine disputes included XXXX posting a new York hotel price of {$89.00} and actually charging {$110.00}, XXXX charging {$320.00} and both reverse and forward being over XXXX hours late, XXXX and XXXX charging a bill even though I told them not to, a number of other charges I cancelled, a taxi cab charged twice, a XXXX Charged multiple times for some reason the staff member swiped repeatedly. Genuine disputes resulted in overdraft fees when not XXXX of them were necessary. They were all genuine disputes like I told XXXX, XXXX or other companies that I did not want to make payments as employers did not pay. 

Please ask US bank to overturn the thousands of dollars in fees and charges. XXXX company pay day loan company XXXX XXXX and XXXX had me pay XXXX to each of them, but US bank also charged thousands of dollars in fees when XXXX and XXXX pay day loan group had already paid the debt through a different US Bank account through over drafting the account when I particularly told US bank they should decline the charges XXXX and XXXX put through as not enough money. XXXX accounts they have in collections involve debts that are just made up and are not needed ; unneeded overdrafts creating debts. The fact that a pharmaceutical sold by XXXX 's caused me to throw up after an XXXX trip to XXXX XXXX as I had been beaten with XXXX XXXX broken bones coming home from work after XXXX is just a dispute ... genuine dispute .... but not a reason to charge many overdraft fees. Disputes are not reasons to charge thousands of overdraft fees impoverishing people like me exposed to XXXX at the University XXXX XXXX as my first XXXX degree XXXX. A consumer should be able to dispute buying a lot of XXXX food linked to vomiting and dispute the fair or charge without being charged unneeded overdraft fees amounting to over XXXX. XXXX in overdrafts really is ridiculous I was told that number by XXXX of the employees over the phone that that was how much they charged for this year. 

Company response: Company chooses not to provide a public response
Consumer complaint: I lost my job for several months while I was XXXX. While I ended up finding a job, by the time I found it, I was showing and was offered a much lower salary. I had a car loan with USAA for a XXXX For XXXX that fell behind. I kept in constant communication with them and was told re-possession starts at 90 days. I got paid and was going to pay my loan at 86 days, but when I returned home from work, they had re-possessed my car, 4 days earlier than they said they would. They now want {$550.00} in re-possession fees, and they towed my car into another state, so now I will have to take unpaid time off work, or leave it stored for another 5 days until the weekend again. They refuse to let me speak with a manager or to release my car upon paying my debt in full with the exception of the re-po fees which I do n't feel I am responsible for since they told me I was okay to make a payment before 90 days and it would not go to the re-po department 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2015, my wife and I applied for a Home Equity Line of Credit with the local ( XXXX, GA ) branch of Wells Fargo Bank. The application was sent to Wells Fargo 's central loan office for processing and a XXXX XXXX was assigned as our loan officer.. 
On XXXX XXXX, we received an email from XXXX XXXX informing us that our application was declined and that we would receive a letter explaining this decision within 10 - 14 days. 
As of XXXX XXXX, 2015 we have received no such letter or explanation. 
In addition to being a violation of the Fair Credit Reporting Act, the lack of any explanation places us in a difficult position since we would like to apply to another financial institution for a HELOC but are reluctant to do so until we know why our first application was declined so that we can take corrective action. 

Company response: Company chooses not to provide a public response
Consumer complaint: I obtained a mortgage of {$190000.00} from XXXX XXXX XXXX Mortgage XX/XX/XXXX with a PMI of {$100.00}. The ORIGINAL HOME VALUE was {$230000.00}. The mortgage was immediately sold XXXX and had it for 5 years. In XX/XX/XXXX I applied for a loan modification and got approved where my mortgage was now {$190000.00}. In XX/XX/XXXX my mortgage was again sold to Green Tree. Since XX/XX/XXXX I have continuously asked for my PMI to be removed but kept on being denied. This year XXXX XX/XX/XXXX XXXX my mortgage is at {$160000.00} I asked for the automatic termination as stated in the Homeowners Protection Act. I got the run around for months and after months of it, I finally received a letter XX/XX/XXXX that my PMI will be automatically terminated XX/XX/XXXX. It is now XXXX and I am still being charged a PMI and after numerous phone calls, faxes and requests, they are now stating that my PMI will be terminated XX/XX/XXXX!! XX/XX/XXXX I will reach 62 % of my LTV ratio. 
GreenTree ( Ditech now ) is NOT in compliance of the Homeowners Protection Act for the following reasons. 
1. Loan modification in XX/XX/XXXX did not include a new letter or contract for the PMI stating the terms, time of automatic cancellation or when my loan would reach 80 % LTV ratio. They are refusing to supply me with this type of letter. 
2. There was no new appraisal to calculate LTV ratio during loan modification. 
3. They are NOT using the original appraisal value to calculate LTV ratio to remove PMI. I do not know what value they are using because they did not do another appraisal on my home besides the original appraisal. I asked them for the appraisals that they have on file and they only gave me the original of {$230000.00}. 
4. Currently my LTV is XXXX % when using ORIGINAL HOME VALUE. 
5. They are not honoring they letter to remove PMI XX/XX/XXXX. 
6. Ditech is now requiring me to complete a customer-requested cancellation where I have to pay for another appraisal, but it is not necessary as this should be an automatic termination since my LTV is XXXX % and nowhere near 80 %!!!! 
7. Refuse to put anything in writing when asked for letters stating their position and explanation. 
8. Refuse to allow me to speak with anyone such as the escrow department other than customer service. Customer service ALWAYS states that they do not know or are unaware and will forward my information and someone will get back to me either by phone, email or mail. No one ever responds. 

GreenTree ( Ditech ) is NOT in compliance with the Homeowners Protection Act of XX/XX/XXXX and should be fined!! 

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