AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Dear representatives of The Consumer Financial Protection Bureau, I hope you are doing well in The State of Iowa. 
I 'm writing to you because I would like to request your helpful cooperation. I 'm experiencing some very serious difficulties with the Financial Institution " Citibank '' and their credit card " My Best Buy Signature Master Card ''. I have been so patient with them but I ca n't take my problems with this credit card company anymore. 
Last night, I called this credit card company for a fourth time. The person who I got on the phone when I called was very rude and not helpful with my situation. I had the same situation around 4 days ago when I called them to follow up. 
I believe I have also been discriminated by them because I 'm a foreigner. I was born in XXXX even I speak English very well but I have a little accent when I speak English. Some of their representatives sounded very prejudist and probably they are acting like this with me because I 'm a foreigner. 
I have also tried to respond to Miss XXXX XXXX message and letter, I called her telephone number that was provided in her letter sent to me several times and I have left several messages for her but she just does n't answer my voice messages to talk about this problem that we have about the XXXX certificates that were issued to me by the credit card company directly ( Not BestBuy ) XXXX certificate was for {$10.00} and another XXXX for {$5.00}. I have also called her telephone number that was displayed in my caller ID when she tried to call me on XX/XX/2016 but she did n't leave me a message when she called me. 
The company Best Buy also confirmed to me that was the credit card company who issued me these certificates and not Best Buy Rewards. 
Several customer service representatives promised me several times that a supervisor of The Citibank Office of the President was going to call me to address this issue. I was waiting for the phone call for many weeks. 
Every time I called them to follow up, they just answer me with excuses and more excuses. I got also many false promises that a manager of The Office of The President was going to call me but nobody called me. 
I do n't know why they say that they ca n't reach me. I always answer the phone or I call back if they leave me messages. I 'm a professional lawyer, interpreter and translator and I deserve to be treated with respect by the credit card company as a good customer that have been of her credit card company Best Buy Visa signature Card of Citibank All done concerning to this matter will be greatly appreciated. I will be glad to send you records of my phone calls that I made to them trying to reach XXXX XXXX XXXX. 
Thanks. 
XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have NCC Business Services on my credit report twice. They claim I owe a debt from XXXX XXXX Apartments. In which I have never lived in these apartments in my life. I gave my financial coach XXXX XXXX with XXXX the consent to speak on my behalf to see about clarifying the paying of this debt. Come to find out that they have this debt under another XXXX and under a different date of birth and social security number. I will provide my credit report and the consent form I signed with my Financial coach. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Certain time periods of time in the year we deposit checks to our personal account at BOA and also our clients deposit to the same account because of clients convenience sake.We also take business checks for business account with another bank and deposit into our personal account at BOA. Because of this process our checks have never bounced from either account. 
we have been account Bank of America since 1977 

Company response: Company chooses not to provide a public response
Consumer complaint: My chipped credit card issued by FIA card services was hacked in XXXX. Several charges were removed from my bill but one charge made XXXX XXXX, 2015 for {$350.00} was made at a XXXX XXXX store and I have been assigned responsibility for payment. FIA requested documentation and got a copy of a credit card receipt from XXXX XXXX store XXXX obviously without my signature on the receipt. At that point FIA said I was responsible for the charge which is inaccurate. 
I have filed a report with Pennsylvania State Police. Case number is XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: After recently checking my credit report, i found that Wells Fargo Financial Cards account number XXXX reported to XXXX on XXXX/XXXX/2015 that I have a balance of {$14000.00} with a past due amount of {$4700.00}. They also reported to XXXX that this account is 120 days past due. It shows a credit limit of {$15000.00}. This information is not accurate and is not true. The account has been charged off in the past and Wells Fargo is aware of it. But yet they constantly report bogus information to XXXX. Wells Fargo needs to correct this ASAP. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Today ( XXXX/XXXX/XXXX ) I went online and received my free reports except from TransUnion. I was denied access as they said they already gave me a free report for this year. Not so. 

Since I have had disputes with them before ( XXXX ) due to their errors, I do not intend to waste time and incur expense by sending them certified mail for resolve every time they make a mistake this year. I have attached a screen print of their refusal to provide a free report which may require cropping by you as to not reveal my personal identification in the event that you publish this complaint for the benefit of the public. 

Company response: Company chooses not to provide a public response
Consumer complaint: When we refinanced our home, the paperwork indicated we could apply to remove the PMI from our mortgage on XX/XX/XXXX, prior to the automatic termination date of XX/XX/XXXX. In XX/XX/XXXX, I called to inquire and was sent application paperwork. After receiving the paperwork, I called to ask about the difference between a Broker Price Opinion ( BPO ) and an Appraisal, since the cost difference was substantial. I was led to believe a BPO was an external inspection of our home to ensure it had not fallen into disrepair. From my recollection, I was never told, nor were there any implications, that the realtor would be doing a detailed cost comparison to other properties. 

The inspection date was XX/XX/XXXX and I received the BPO along with a letter stating that I now needed an appraisal to remove the PMI. I reviewed the BPO and found several inconsistencies that substantially reduced the realtor 's price opinion of my home. 

I called USAA Federal Savings Bank/XXXX and asked to speak with someone in the escrow department, so I could discuss these inconsistencies and hopefully come to a reasonable solution. Customer service refused to allow me to speak with anyone, stating it was an internal department and they did n't accept phone calls. She asked if I wanted to dispute the BPO 's findings, which I did. She informed me someone would be in touch with me within 2-3 business days after they reviewed my PMI removal application. 

I never received a call, so I called again the following week and was told my information was under review with a XX/XX/XXXX deadline. 

Knowing I would n't receive a call on XX/XX/XXXX, I called again on XX/XX/XXXX only to be told by customer service that BPOs are not disputable, regardless of whether the data is accurate or not. 

I sent an email to the parent company 's web site ( USAA ) complaining about the process, in particular the errant BPO. While I received a nicer response from the parent company, the message was the essentially the same : " We do n't care if the BPO is inaccurate, because it works in our favor. If you want the PMI removed prior to the automatic termination date, you need to get an appraisal ( i.e., we get to charge you more money for the appraisal AND keep charging you PMI ). '' I have attached the following documents : a. BPO pages showing comparative sale data and comparative listing data b. XX/XX/XXXX Refinance appraisal page showing specifications of my home. 
c. Spreadsheet showing comparable sale data taken off USAA 's own web site, along with additional comparable sales found within our immediate neighborhood area. 
d. Spreadsheet showing comparable listings within our immediate neighborhood area. 
e. Letter to USAA parent company and response received. 
f. Outline of errors/inconsistencies contained in the BPO, along with an accurate cost comparison using one of the BPOs comparable listings. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America charged me a {$35.00} overdraft fee on or around XXXX XXXX. I contacted XXXX to insure they would not attempt a second request for payment electronically and subsequently requested Bank of America XXXX XXXX XXXX branch close my account on XXXX XXXX. The teller refused to close my account and insisted that I had to speak with an account representative elsewhere in the branch. I did not have the time nor do I think it is necessary for me to explain to anyone why I am leaving their bank. As a result, they have charged me an " extended overdraft fee '' for another {$35.00} and $ XXXX monthly maintenance fee. Their banking practice is extorting money at the expense of consumers requests to leave. I am concerned about their actions, their access to my financial information and possibly reporting negative information to the XXXX credit bureaus. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to the offices of Foster & Garbus who are debt collectors. When at the offices i signed an agreement to pay off my debt that they represent ( XXXX ). While there I provided documentation for the initial payment thru XXXX XXXX. When it came time for my second payment I was instructed that my settlement agreement was nullified due to non-payment of the first stipulation payment. Upon investigation it was Foster & Garbus who was in error because the funds sent for payment was confirmed by XXXX XXXX that they received the funds and the voiding of my stipulation was in error. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I bought a used car on XX/XX/XXXX and financed it with Ally. I am XXXX and thus a XXXX, so I should have been included in the settlement against Ally for overcharging XXXX. I learned after the deadline had passed to submit a claim that there had been a settlement regarding the fact that Ally had overcharged XXXX who had financed cars with Ally between XX/XX/XXXX and XX/XX/XXXX. Since I am a XXXX, I should have been included in this settlement, however, Ally never contacted me or sent me any letters regarding this matter. I have called Ally several times and finally they referred me to their Settlement Administrator who was unable to help me, stating that the deadline had passed, that is why I am filing this claim with you. 

Company response: Company chooses not to provide a public response
Consumer complaint: Re : Your email dated XXXX/XXXX/XXXX on the Case number : XXXX Dear Sir or Madam : The response provided to you by Bank of America regarding my complaint is completely untrue and, in contrast, proves my claim that the BOA has utterly failed to provide notice in a timely manner before they improperly charged me {$100.00} or more in fees because : 1. one and only notice that the BOA provided to me was too late in that I received it in the mail on XXXX/XXXX/XXXX ; and 2. When I protested such unfair fee charges in person at the XXXX XXXX branch around XXXX XXXX on XXXX/XXXX/XXXX, the guy at the branch told me that I should have acted a lot earlier, which the BOA had made totally impossible for me. 
Again, I request that the BOA refund me any and all charges and be sanctioned properly to protect consumers like me from the same misconduct in future. 

XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been on the phone for 7.5 hours trying to get my credit report straighten out with trans union the information they have on my report is incorrect and they have people that can hardly speak English and I advised them there should be nothing pending on my report and they kept talking in jiberish that I could not understand and I advised them that XXXX XXXX plus dollars was paid off on the XX/XX/XXXX and should be closed out and they said it is not their responsibility to correct the problem I also contacted the creditors that were paid off and they said it is n't there problem to get it off my report so I am being held up on buying a home of about XXXX or XXXX items that show in collections that were paid off by my health insurance. I guess their purpose is to keep people from buying anything and not taking responsibility for their action I think this is criminal XXXX and would like this issue resolved that is why our country is in the shape it is in now and people are voting for someone who is not getting paid under the table to look the other way which I am sure you are also but I have stated my complaint and I believe that you all will just look at it as oh well just another complaint aint know wonder people are going nuts in this country I am beginning to see why just by dealing with it XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In my opinion U.S. Bancorp ( U.S. Bank National Association and U.S. Bank ) is forcing me to file a lawsuit ( not arbitration ) to prevent destruction or spoilage of evidence. This includes evidence including but not limited to breach of contract and disregard. 

I request U.S. Bank or U.S. Bank National Association preserve, copy and retain any and all recorded calls or information regarding my currently closed credit card ending in XXXX as factual evidence. If U.S. Bank prefers a signed handwritten letter mailed, please reply with the address. Nowhere in our written contract does it mention any fee that I have to pay to prevent U.S. Bank from spoiling or destroying factual evidence, nor did was it mentioned ever as a policy when relevant during my last complaint. Encouraging me to file legal action just to see my conversations that U.S. Bank only uses for " training purposes '' is perceived as intimidation in regards to potential future stress and large legal fees. 

Given how the very first CFPBXXXX reply I received from U.S. Bank mentioned how greatly you appreciate me as a customer, I know you were being honest and these requests will be no problem at all. U.S. Bank should have just contacted me. If you just acknowledged that the manager I spoke with in XXXX, 2015 accidentally provided misinformation about the credits on my account applying to my annual membership fee with no mention of a 90 day policy ; I 'd still be a Cardmember with no complaints. 

You will hear from me within the next six months. Do n't destroy any evidence, if the data is programmed to automatically overwrite data then I request a copy be made and saved immediately before that happens. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I 'm a victim of identity theft and someone opened up account in my name that im not responds for. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I gave my credit card number to a contractor to be used as a security deposit for services that we booked an appointment for. The contractor ended up using the credit card to charge us for their services and over-charged me for their services. I filed a complaint with Bank of America and requested the disputed amount of the charges be declined and allow me and the contractor to work out the dispute directly. Bank of America initially declined to dispute the charges on my behalf, then after receiving a letter that I wrote them regarding the issue, re-considered and offered to refund the full amount of the charges, then later, again changed their minds and only refunded a portion of the disputed amount claiming that they do not have the authority to refund all the disputed amount. 

I never approved the full amount of the charges and the contractor does not have anything in writing proving that I owe the full amount, and yet the bank is refusing to refund the full disputed amount. Furthermore, the bank assessed finance charges on the disputed amount that is not in accordance with our credit card terms. 

I feel that the banks actions regarding the dispute as well as the application of the finance charges is in violation of the law. 

I am asking that the full amount of the dispute be refunded. 

Company response: Company chooses not to provide a public response
Consumer complaint: I orderd some clothes off the internet online XXXX compiney was Chief- Inforcement apereal.com $ XXXX # XXXX and the other XXXX was XXXX XXXX XXXX XXXX and am a Student I.D. # XXXX IL. XXXX where thay where deliverd at was XXXX XXXX XXXX XXXX XXXX MN. XXXX Ph # XXXX The dead line is here and I wont my clothes Bank where the transactions would have been made was Wellsfargo XXXX XXXX XXXX XXXX MN . XXXX Ph # XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent this to Experian and they have yet to delete it. I have sent them my SSN and utility bill and also birth certificate in the past. They refused to delete these wrong names, addresses, and employment history. They told me on the phone that It was reported by collectors or third parties rather than myself. That is in violation of the FCRA and I am tempted to sue if this is not resolved. I am keeping a paper trail. Why is it that Experian is refusing to delete this simple information when XXXX and XXXX will?? 
Something is seriously going on illegal with Experian and I am going to let every agency know!!!! 

remove innacurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE ALL OTHER INACCURATE INFORMATION Delete these addresses : XXXX XXXX XXXX, XXXX, sc, XXXX XXXX XXXX XXXX, XXXX, sc, XXXX XXXX XXXX XXXX, XXXX, sc, XXXX XXXX XXXX XXXX, XXXX, sc, XXXX XXXX XXXX XXXX XXXX, XXXX, sc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, sc, XXXX remove employers that are innacurate : XXXX XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Greetings The Purpose of this Complaint is to inform you of the Less the Fortunate Service I Received on My home Loan # XXXX From Bank of America. I have Attached a Few of the Letter of Pre approval Letters From the Loan Officer Agent. The Loan Officer Had Me under the Assumption that I Was Pre Approved Back in XXXX XXXX After an initial Credit Check. 
Bank Statements and other documents From XXXX XXXX was Provided to the Loan Officer Never once did the Loan Officer Express an Concern about an Issue that was on my Credit until 3 month Later. After Shopping Around For a Home and Being Shown Multiple Properties From My Realtor, I Finally Decided on a Property to Purchase. This was My Potential dream House I Really Felt Good About this On Monday XXXX I Had the Power Turn on at the Property. On XXXX I was Charged {$550.00} For a Appraisal Fee and another Credit Report. 
On XXXX I was Told Verbally that an underwriter had Looked at the File and Seen Something on My Credit.I Have also Attached that To Show How that was cleared. I Do n't Really Know What is your Protocol on When initially a Person Applies For a Home Loan The Parameters that are Taken. I Feel Like Three Months of My Time Has Been Wasted and Was Living out of Boxes anticipating a Move Soon. I Have read All the Reviews that Are involving BOA and I 'm starting to Think Where is the Customer Service on Most of these Matters. I Did n't want to be Long Winded on this but These are The Facts Concerning this Matter XXXX XXXX XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Good Morning, I am reporting a creditor the XXXX XXXX XXXX because on Friday I went online to pull my credit report to look into purchasing a home in 2016 only to discover that this creditor has reported to the credit agency that my debt was essentially charged off and a written off on my credit report which is totally inaccurate. The debt in question has indeed received full payment and satisfied. The creditor I assume sold the debt to a debt collection agency who I had absolutely no contract with to collect the debt. I am requesting this debt be deleted off my credit report for inaccurate reporting and any funds I paid after the charge off date be refunded to me for the false information they have reported to the credit agency on all XXXX bureaus 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a credit card with Matrix who sold to Continental Finance. The limit was {$400.00}. They began charging a fee each month and all was fine with my payments until I was XXXX and had to go through XXXX. I got behind and filed my creditors with XXXX XXXX XXXX, this credit would " not '' work with them and continued to charge me {$35.00} a month for late fees so now I owe like {$800.00}. I finally worked out an arrangement with them to take a payment each month to try and resolve this debt and they took XXXX or XXXX payments from my account. I planned on {$45.00} begin taken from my account on the XXXX or XXXX payment but they attempted to charge me {$70.00} and I did not have enough money in my account to cover so the payment was returned. When I called them they said I agreed to pay {$70.00} after the XXXX or XXXX payment, I do n't remember and I said I ca n't afford that, and asked for them to take less but they said no. Now they are saying that I wrote a bad check ( and I did n't ) and then they said I gave them fraudulent bank account information ( but I did not ) I called to speak with XXXX telling him that I was having problems and considering filing a Chapter XXXX and in the middle of this conversation a man got on the phone, said he was the manager and begin yelling at me and when I would n't bow down to him, he hung up. I continue to receive phone calls from XXXX, XXXX and now a recorded message from XXXX XXXX and they continue to say that I wrote a bad check of provided bad payment information and that this is illegal across state lines. The only thing that I am guilty of is not having enough money in my account to pay what they require I pay and for not being able to include them in a CCC plan payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: On the XXXX/XXXX/16 this number ( XXXX ) called both my home number, and cell phone and left a message on my cell, instructing me to call XXXX, ref # XXXX regarding an attempt to collect a debt. The number XXXX has also been calling my cell, also. I do not have any overdue debts ; all of my payments are current, and I verified this with my credit report. I am thinking this may be in regards to my son, who does have some outstanding debt. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The lender had agreed in an email not to deduct {$290.00} from my bank account on XXXX/XXXX/16 and the payment would be due on XXXX/XXXX/16 and XXXX/XXXX/16. However, on XXXX/XXXX/16 they deducted the money without authorization and in contradiction to the agree payment arrangement. Now they are ignoring my calls and emails. 

Company response: Company believes the complaint is the result of a misunderstanding