AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I signed up with Nationwide Biweekly Administration ( NBA ) to have biweekly payments drafted from my account every month to help " minimize my interest payments '' for my mortgage loan. **This message is NOT intended to stop the CFPB. I received a very unprofessional email from the company president stating that the company was in danger of closing and pleading customers to stop the CFPB from shutting them down. I called my mortgage company to see if NBA was indeed making biweekly payments on my behalf. They were not. They were holding my biweekly payments until they received the full payment amount and then sending it to my mortgage lender. So, basically, I was paying NBA a processing fee for nothing. Since the payments were not made biweekly like the company advertised, there were no additional savings to me. More money was coming out of my account than necessary. Now, the company will not answer customer phone calls or emails. I 've tried multiple times to contact NBA to no avail. The company took a payment out of my account XX/XX/XXXX and I have no way of knowing where that money is. I need answers, but obviously can not get them from NBA. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: On XX/XX/2015 I purchased a XXXX Mini Cooper, VIN XXXX, from XXXX XXXX in XXXX, CA, which was financed through Lobel Financial. On XX/XX/2015, XXXX XXXX received a letter from Lobel Financial stating that the XXXX Mini Cooper was a Manufacturer Buyback and to please remit payment in the amount of {$7500.00} immediately. 
On XX/XX/2015 I received an email from XXXX XXXX stating that the car was a Manufacturer Buyback and that I had XXXX options. First option ; I could swap the cars and get the same loan with all of the same numbers or, option two ; bring the car back and he would cancel out the contract. On XX/XX/2015 I chose to bring the car back and cancel out the contract. XXXX XXXX returned to me the deposit of {$2000.00} and the {$500.00} towards the cost of the DMV paperwork. First check was n't good. Money returned did not include XXXX months of payments I made to Lobel Financial or the {$410.00} I put into the car in repairs. 
I have included all necessary documentation to show that the contract has been cancelled due to the car being a Manufacturer Buyback and that I am no longer in possession of the XXXX Mini Cooper in question. 
Lobel Financial refuses to take my name off of the loan until XXXX XXXX repurchases the car. Lobel Financial also refuses to return any payments made on the Mini Cooper. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Someone has a home loan in my name and some credit as well 

Company response: Company chooses not to provide a public response
Consumer complaint: This company called me on the company work landline phone, during work hours when there were customers on the sales floor, demanding I let them speak to my supervisor so that he could garnish my wages, without a judgement. He was rude and I felt bullied by him. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had not used my Citi credit card since XX/XX/XXXX. In the time since XX/XX/XXXX, I was issued a new card ; however I never activated the card. Nevertheless, an unauthorized charge was made on my card without my knowledge in XX/XX/XXXX. Following receiving a notice that I had a delinquent balance in XX/XX/XXXX, I inquired about the balance with Citi and disputed it. Citi found in my favor on the dispute and reversed the charges including late fees and interest in XX/XX/XXXX. However, in XX/XX/XXXX I discovered that they had reported negative information in my credit report. I called Citi again to fix the issue, and they apologized and told me they would get the reporting fixed and I would receive notice in 5-7 days when it was complete. I simultaneously disputed the negative information with the reporting agencies. Over a month passed, I received no update from Citi ; however the credit reporting agencies noted that Citi had indicated that the negative information was in fact accurate. I called Citi again to try to remedy the situation. The first customer service representative was apologetic and told me that it looked like it had gotten lost in bureaucracy, but that she would get her manager to help. The manager was very rude, indicated that I did not deserve any notice of their actions regarding fixing their credit reporting despite the promises previously made, and also indicated that the charge was in fact authorized and proper despite Citi 's previous finding in my favor and that the card was not even activated. While I have not incurred any actual losses yet ; my credit score dropped by about XXXX points, which is concerning because I am trying to buy a house and secure a mortgage. 

The supporting documents attached show that my last activity was in XX/XX/XXXX, no payments were made recently, but the balances were cleared, the negative information in all credit reports, and the results of my initial dispute with Citi in which Citi found in my favor. 

Company response: Company chooses not to provide a public response
Consumer complaint: After paying annual fees for many years to Diners Club - run by BMO XXXX - I attempted to redeem points for miles. I completed my transaction only to receive an email receipt stating the transaction would take 2-6 weeks to complete. I needed the transaction immediately. I called the company within an hour of the transaction and they said they could not refund the points to my account, even though the transaction had just taken place and even though they did not disclose anywhere on the purchase pages that they time frame would take 2-6 weeks. I went through XXXX levels of customer service people for over an hour and all they would offer me was my annual fee back. I am not out XXXX miles - the equivalent of {$750.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a mortgage with Bank of America. My husband passed awayso I asked for a loan modification. Bank of America asked me to not paythe mortgage while they are processing the modification. I did everythingthey instructed me to do. Before that I was not late on my mortgage. 
I was waiting on my modification, they were behind my back trying toforeclose on my home. This bank has done so much wrong to me. 
They just kept giving me the run around. They asked me to send thesame papers over and over again. They always stated that they did notreceive it. Then they denied me a modification several times. Pleasehelp me. 

Company response: Company chooses not to provide a public response
Consumer complaint: took a {$1500.00} loan from XXXX loan and after I continuously paid them they still say owed them almost {$1900.00} regardless of the fact that I paid them {$340.00} ( {$3400.00} total ) since XXXX 2015. This is beyond usury and I need my title back. I paid more then twice what I owed them. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: this complain would be the XXXX time that I have ask Transition to investigate late payments in my report and all I get in return is they need more information. 

Company response: Company chooses not to provide a public response
Consumer complaint: They have my personal cellphone which they call repeatedly. However they called me at work and went through my dispatch system which is unacceptable. My personal issues are my own and they have no right contacting me at my job to purse any type of collection. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am receiving robocalls from Maury Cobb Debt Collection via a XXXX ( XXXX VA ) number directing me to their toll free number. 
I am receiving credit reports as a result of the OPM breach and have had other credit reporting due to agency and military breaches. 
I consider these phishing expeditions and have seen reports on harassment sites reporting this group as engaging in these tactics. 
Is there anything that can be done to stop this predatory practice? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Dispute # XXXXTo Whom It May Concern : After carefully reviewing copies of all three of my credit reports I discovered that I was a victim of identity theft. I immediately took action by filing a police report as well as contacting all XXXX of the bureaus. I have recently furnished them with the appropriate documents that would verify and validate my stolen identity. 

However, I have made several attempts with Transunion via phone, certified mail, and online corresponding to get an unknown public record ( Bankruptcy ) that does not belong to me removed. As to date I have not received adequate help in resolving this issue. I have become very frustrated with this ordeal. Upon some of my many attempts to resolve the above issue with Transunion, I have experienced phone reps with language barriers ( non English speaking individuals ) trying to help me, representatives providing me with false information such as ( i.e. stating that they did n't have to verify or validate the accuracy of the unknown bankruptcy on my report ). 

Also, upon my request to inquire about Transunion 's methodology for verifying the Bankruptcy ( that is falsely reported on my report ) I was told by a representative that they did not have to furnish verifying that information to me. In short, I went to the courts to inquire about the bankruptcy and the courts stated that they do not verify Bankruptcy 's or any other public records for anyone by any method. The Clerk also stated, " that the credit bureaus often put incorrect public records and bankruptcy 's peoples credit files because they never request verifying information because the courts ca n't furnish it and that they have never spoken to any at a credit bureau. '' Contrary to the above, Transunion has not verified the bankruptcy # XXXX nor furnished me with any proof that they have verified the bankruptcy ; nor will they assist me with help on how to verify that it is not my bankruptcy. 

Lastly, not only has Transunion left me with inaccurate information on my credit report ; they have perjured/misinformed me regarding their means of verifying the bankruptcy. In congruence with the above, this has greatly impacted my life in a negative way. I am unable to move forward with my career and educational endeavors. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had request a verification of the debt and the creditor has not done so. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Someone by the name of " XXXX XXXX '' with Critical Resolutions calls me repeatedly including calling me from different numbers. Today he called my roomate stating I provided her contact information as a point of contact he disclosed that a case was filed against me. She asked me how they had her number. I would give my family member 's contact information before I give my roomate 's information as a point of contact. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Transunion has reinserted previous unverifiable negative accounts on my file. I have send out dispute letters showing negative accounts that have re-aged history, recent payments on accounts that have been close or sold and all I get in return as results are letters with verify statement from furnishers. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, I logged into my XXXX Credit Card account to make payment. I could not access my online due to account being blocked from online access. I contacted XXXX on XXXX/XXXX/2015 regarding the message received. I was advised to send in documentation of my XXXX from the military. XXXX documents were fax to XXXX on XXXX/XXXX/2015, fax confirmation # XXXX at XXXX. Several days later I called XXXX to inquire of the status of those documents and was told that the documents had not been received. I faxed another copy of the documents on XXXX/XXXX/2015, fax confirmation # XXXX. I called XXXX Bank regarding the status of my reference account member # XXXX and was told by someone from the Executive Resolution Team that they did not know why the account was closed, as he could not see the reason. I requested to pursue this matter in an appeal process because I should know the reason why my account was closed. I have been a member of XXXX bank and have never had any issues with my accounts including making on time payments. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I honestly believe Citi Bank and Sears set out to defraud me. I was lied to by Sears Salesman to get me to buy a poor quality home improvement product which was poorly installed at an overly inflated price. I question the fact it was too high priced {$11000.00} for just the gable ends and XXXX lean to wall. I was told I was getting perks for example lifetime wholesale buying on any Sears product. I found out a month later this was a lie when I went to buy a washer at Sears. I called Citi Bank Sears Card complaining that I did not get what I paid for. I would be placed on hold or forward to another customer service in another part of the world. I never got to talk to the dispute dept until I stopped paying on the card this past XXXX 2015. I tried writing and calling two years but continue to make payments until XXXX 2015. I paid {$4800.00} which I want refunded. The siding is falling apart after year and half. I would have never bought this if I was n't made false promises to lure me in. Citi is constantly calling me telling me I owe over {$10000.00}. This is a joint corporate scam. Sears card should be shutdown. I am XXXX on a fixed income and was taken advantage of. I want my money back please and no blemish on my credit. Please help me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have asked XXXX to investigate late payments showing in my report, and the only thing that I get as a response is that they can not honor my dispute for lack of information when I have send out XXXX dipute letter specifically requesting to investigate the accounts. 

Company response: Company chooses not to provide a public response
Consumer complaint: The stupid XXXX 3 day for CD disclosures to the consumer is the most ridiculous rule that has ever been created for the real estate community. Even if the CD changes the title and lender has to eat it. As a borrower my new home is ready and these changes has delayed us being able to get into the home 5 days and possibly more than that because of the XXXX XXXX holiday. 

I would think that after 3 months of searching for a home, and 30-45 days of underwriting and getting everything to the underwriter except a sample of blood, that the last thing I would want is an unnecessary delay. By that point in time I am pretty confident that I just want the keys to my new house!! 

I still do n't get an initial disclosure and then the closing disclosure that I need 3 days to review. Seriously this is an example of too much regulation. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: XX/XX/2015, I purchased sectional sofa at Macy 's and, in conjuction, was offered to pay via credit card with 24 month interest free period. I agreed but it took several weeks to receive a statement and during that period, was not able to make a payment online, nor was I able to view my account summary. The Macy 's credit card website state it was undergoing construction and therefore, unavailable. After finally receiving access to the website, I made my 1st payment. 

Then XX/XX/2015, I visited my local Macy 's store where I purchased several goods. The salesperson encouraged me to use my Macy 's card so I obliged. Today, I was able to review my online statement and was dismayed to learn that I 've been charged interest on the purchase these goods. Even more frustrating is that I have tried to contact the Macy 's credit card department through their online contact application but continue to receive an error message. After failing to submit my inquiry online, I tried calling the phone number listed on my account webpage. Unfortunately, I was also unable to reach a real live person. After spending 20 minutes stuck in the phone tree going from automated message to automated message, I have finally given up and hope that perhaps you will be able to help me work with Macy 's. It has become apparent that I 'm in the process of becoming victimized by deceptive practices and predatory lending. Even worse, I 'm now unable to reach someone that may be able to help rectify the situation. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been on the opt-out prescreen list for over 10 years, and I just got a " prescreened '' offer from MyBestEgg. Since they are not obeying the prescreened offer opt-out, they need to be penalized. 

Company response: Company chooses not to provide a public response
Consumer complaint: These people called several times and when I finally returned the call they called themselves Receivable Performance Management ... when I asked about why they called they asked if I was XXXX XXXX ... they then asked to verify my personal info like address and social security number ... I refused to provide them with it ... they then put me on hold for an extended time ... I owe no one and am up to date on all my legitimate credit accounts and have done no business with anyone in years and years outside the current accounts I have ... I want these people to identify what they want and contact me via mail only ... then leave me XXXX alone ... 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America told me that I could get a 30 year FHA mortgage loan through them at 3.8 % with no points and only a loan origination fee of approximately {$1000.00}. I was sent a GFE with those terms. The day before closing, I was sent the paperwork and noticed that I was being charged points and a bigger loan origination fee ( totaling {$3400.00} instead of {$1000.00} ). The seller 's bank would not approve pushing closing back while I looked into the discrepancy, so I asked my loan officer about the differences and he apologized and said he would check on getting me a refund after closing. During one of our discussions after closing, he said that I signed a document agreeing to the points and additional fees, so there was nothing he could do. I asked for a copy of the document. It was one that was sent to me in the mail in a packet that I did sign, but the listed charges that were later listed as points and loan origination charges were listed as 'settlement charges ' and since he told me there were no points and the only bank fee was ~ {$1000.00}, I believed the 'settlement charges ' were charges that were unrelated to points or bank fees, but rather charges that are standard and everyone pays with every FHA mortgage . When I explained this to him, he said that he would look into in and get back with me. Every time I contact him and ask him for an update, he says something like, 'let me check ' and never gets back to me. I feel this is very deceptive and they should refund me the {$2400.00} extra they charged. 

Company response: Company chooses not to provide a public response
Consumer complaint: Got an email from Transunion telling to look at a credit report, they want my credit card for verification, a few days later s=charged my banl {$17.00} without any notice or authorization. I closed it immediately but still am being charged. Why is this not illegal? I saw no checked box authorizing this and I check all the time. 

This is an awful company preying on people with credit problems and poor people. Charged XXXX no less. 

Company response: Company chooses not to provide a public response
Consumer complaint: The credit card company Citi Cards/Citibank will not acknowledge a debt included in a Chapter XXXX bankruptcy filing. CitiCards continues to to ignore certified letters, hire debt collection agencies and report incorrect information to credit reporting agencies. CitiCards is using a wrong account number in an effort to ignore the bankruptcy filing, continues to add interest and penalties to the debt, posted it as a Charge Off and past due of 150 days on credit reporting. Our family filed for a Chapter XXXX bankruptcy in an effort to pay our debts. We have never missed a payment and have been following the designation or repayment set out by the US Court system. However CitCards has been reporting to credit agency as if we are late by five months and have refused to pay. As mentioned, I have sent via certified letters and court documents to CitiCards in response to their unfair credit reporting and have received no response. I have sent the same information to credit report agencies and they have all declared that CitiCards information is correct. We are strapped financially and can not afford to hire an attorney. It seems that all CitiCards has to do is ignore us, there is no governing body to enforce a bankruptcy filing with them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a XXXX XXXX credit card.I faxed them a letter on theXX/XX/2015 at XXXX. asking for a re payment plan.I received a letter on the XX/XX/2015 requesting payment in full on the XX/XX/XXXX.The letter was dated XX/XX/2015.I made a payment on line on the XX/XX/2015 in the amount of {$25.00}. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: UISAA has confusing balance issues that causes bounce checks and over drafts. They also have cleared items problems that makes no sense. Usually an Item is cleared and a few days later, it shows as just coming out of our balance. We are never sure sometimes what 's in our account or not. My husband and I are both XXXX veterans. We had insurance with USAA Federal Savings Bank for over 10 years now. They declined giving us insurance in XXXX after we moved back. We filed for insurance change XX/XX/XXXX From XXXX to XXXX. They said we are high risk and they can only continue our XXXX policy that we already had with them even though we 're in XXXX. My husband is a XXXX XXXX veteran of the XXXX XXXX. I 'm an XXXX XXXX XXXX XXXX XXXX veteran. I joined USAA XX/XX/XXXX, when I got XXXX. USAA used to keep their word, but now USAA does not care about their members anymore. 

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