AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have opened a Citi XXXX credit card in response to an offer of XXXX bonus XXXX points after spending first {$2000.00} within first three months. The offer arrived in the mail several hours after I have completed an online application with less amount of bonus points. I have called and asked for my application was changed to the right promotion before the card arrived. The representative did not accommodate and after few days, following their advice I closed the first application and reapplied again, this time responding to the correct promotion. I have never used, or even activated the first card. The same promotion ( XXXX bonus points ) was running on Internet every day I was logging on my card account for much longer after I opened the correct card. 
I have completed the required amount of purchases but did not get any points. When I tried to call and find out why I did not get points, I was given different answers every time someone new answered the phone : a ) I did not complete the required number of purchases in time ( someone could not calculate that there are 3 months between XX/XX/XXXX and XX/XX/XXXX ) b ) I opened wrong card, not the one with promotion c ) I had a return ( a class I was planning to take was cancelled ), and that invalidates my points, etc. 
d ) Because I had previously opened another card ( the one I never activated or used ), I am not entitled to any promotion. 
After multiple calls and letters, Citibank issued me XXXX but not the XXXX listed in the ad. I believe they should stand by their advertisement ( both mailed and shown at my banking login ) and give me remaining bonus point. I did my part of the bargain by spending & gt ; {$2000.00} in three months as was required to me. 
I believe that looking for excuse not to grant me what they owe is dishonest and I am quite shocked that the bank with which I do business for over 20 years would resort to such a deceitful practice. I have enclosed the letter I previously sent to the bank and a copy of promotion that was mailed to me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Hello ; I spoke with representative with Wells Fargo bank. 
Complained about being charged a late fee, when had made all payments on time. 
Lady said she would pull up my account, then came back, said she could fixe the problem & as long as made on time, there would be no more additional charges. Said she would remove the additional charges, said that it would show up on my next statement. 
None of those things happened!! 
Additional charges still there, charged me with more charges because they said I did n't pay the additional charges. 
Complained several time & nothing happens!! 
Cant believe anything they say!! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I, ve contacted Lobel Financial about this debt to remove from my Credit report. Car was repoed, and later found out that the company that i received the car from license was suspended from the XXXX, therefore they should not have been able to sell the car to me in the first place. Company is in current Lawsuits to recover the deposits paid on the cars they sold. Lobel approved a loan of a car whose license was suspended by the XXXX XXXX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX cable has sent me to collection for {$210.00} i was sent to credit protection association XXXX account # XXXX. they where informed this is a legal dispute and there is no debt owed. I am seeking damages due to poor quality service provided and network outages has resulted in a loss of trading profit of {$4900.00}. i do not owe them nothing for poor quality service provided. so i hear by now dispute this debt with you also. i have disputed this debt with the collection agency and XXXX personal and they keep on trying to collect. the damaged out way the debt. so this debt was paid when the damages out ways the debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: southwest credit systems called my number ( XXXX ) which is on the US National DNC list to collect a debt which is for someone I have never heard of. The caller refused to supply a phone number which I could call to have my number removed from their calling lists or added to their company do not call list. He would only state the name of the company and that it was headquartered in XXXX, TX. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I was instructed by Customer Service to mail in the details of the charges that I am disputing as fraud. Please find enclosed a list of all charges that I am disputing. Hopefully, the ones where a phone bill was paid will provide you with a name and more information. I have never had service with these companies. All of these charges took place more than two hours from where I live in XXXX, XXXX Several of the merchants I do not recognize. 
I did not initially identify these transactions as fraud because I am XXXX and XXXX. I, therefore, require assistance. Unfortunately, I only did a cursory review of my statements and obviously not a detailed and thorough analysis because of the medical conditions that I was experiencing at the time. 
I was unaware of the extent of the fraudulent charges especially since I was using the card at the same time and my primary method of reviewing the statements was by phone and not all of the relevant information was available to me, such as the city where the charges were made. Furthermore, my bill was due and I wanted to avoid late charges and extra interest and to maintain the good standing of my account. 
I am certain these transactions are fraudulent. I had to provide an agency with the last twelve months of statements. As I was reviewing my statements I noticed a fraudulent charge on another card. This prompted me to examine all of my past records/statements for all my cards. With assistance and hours of close examination of all my statements I discovered charges for cell phone companies that I had never had an account with. 
I was instructed by a representative to mail my explanation and charges to XXXX. I originally mailed this letter to Fraud Claims Department, CitiCard, XXXX XXXX, XXXX, XXXX XXXX on XXXX XXXX, 2016. It was returned to me as " Not Deliverable as Addressed '' on XXXX XXXX, 2016. On XXXX XXXX I spent over 2 hours on the telephone trying to dispute the XXXX charges with XXXX XXXX XXXX and the XXXX toll free numbers listed with the XXXX charges. Neither number worked. XXXX XXXX XXXX wanted a phone number, account number or a transaction code. These do n't appear on the statement. So I called CitiCard. They could n't provide any of this information so it makes it impossible for me to file a police report and they did n't offer a correct mailing address for sending my fraud claim and they claimed there was no fax number that I could fax my claim to. I have already been waiting for 3 1/2 weeks for a response. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Received letter on XXXX/XXXX/16 from Collection Bureau Services Inc. Attempted to call them with no answer. Original creditor XXXX XXXX was listed, I contacted them and they said the debt was not in my name. Upon contact with Collection Agency was informed the debt belongs to my EX husband, informed them that we were divorced numerous years. Collection agency requested copy of dissolution degree to fax number XXXX, sent requested documentation on XXXX/XXXX/16. On XXXX/XXXX/16 this account is listed on MY credit report in collections! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I signed up for a Frontier Airlines XXXX XXXX through Barclay Card XX/XX/2015 for a promotional offer of XXXX frequent flyer miles. I paid the required annual fee and met the purchase requirements of the offer. Over several months I contacted Barclay Card regarding the miles. It was acknowledged that I had met the requirements of the offer. I was told several times to expect the miles to post to my account. On XXXX/XXXX/XXXX I was again told that the miles would post to my Frontier account within 30 days of a letter posted to me dated XXXX/XXXX/XXXX. They still have not posted and today I closed my Barclay Card. I requested that the annual fee be returned as I was not provided the XXXX miles. I was told by a supervisor that that was not possible. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Experian keep ignoring the information and proof sent by me. Specifically, in reference to a negative report of 90 days past due. I submitted documentation proving that there never was any late payments to the Department of Education. That the account was paid in full. That the account in question was paid on XXXX XXXX, 2015. Therefore, to report this account 90 days late in XXXX, 2015 is inaccurate. I have sent documentation affirming these facts. Their answer have never addressed specifically this issue. I requested as per U.S.C. [ 15 1681i ] The re-investigation procedure. The Department of Education has provided the information affirming my claim that the account was paid in full on XXXX XXXX, 2015. Experian has failed to contradict or provide what documentation justify not removing the negative report of 90 days past due. As consequence my Credit Score has dropped from XXXX to XXXX. With grave financial loss, since all of my insurances cost have increase. Has delayed the purchase of an automobile and the inability to secure low interest loans. Thank you for your consideration on this matter. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was charged multiple fees for transactions on my account that was drawn out of an old account and Citibank is racking up fees and interest also when I first got the card I was told that I was n't going to be charged a member fees per the account terms I have been charged fees after I called Citibank to have the fees discussed and reversed the interest has cause my account to be over the limit and affect my credit dramatically 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had a Citibank card in XXXX. I got in a financial crisis and was n't able to pay it. In XXXX I believe I was sued. I never went to court so I believe the judgement was against me. I have no paper work of the outcome of the lawsuit. Citibank sold or hired XXXX XXXX XXXX from XXXX Texas to collect dept. I have n't received any paper work from them stating that they were going to freeze my accounts. I have never given them permission either to do so. XXXX/XXXX/XXXX my account was put on hold and {$6700.00} was removed. XXXX XXXX was contacted and they told me it was a Citibank card I had n't paid. Its been over 8 years I thought all this should of gone away. The deal they are giving me is to verbally give them an approval to withdraw {$5000.00} and pay them {$250.00} a month until depth is paid in full. If they have a judgment against me to take money why do they need my permission to take it??? red flag. I asked them why they did n't tell me they were going to freeze my account and they told me they did n't have to until after they froze it. red flag. I asked them how much they bought the account for from Citibank and they said they did n't that they were working for Citibank. When I asked for Citibanks phone number they said they did n't have it??? red flag If you work for some one you should be able to contact them. When I asked who was the judge that ruled against me they did n't have his name either???? red flag. I believe something wrong is happening and want to make sure all this is legal. This account is my wife 's account which she had just deposited her income check. I am on the account but do n't use it. the {$6700.00} can be traced to a check made to her from the IRS. I thought you could n't do this in Texas. The people at XXXX XXXX XXXX acted like they did n't know what to say when asked simple questions. When I asked the ( lawyer )?? who had put the {$5000.00} withdraw amount she said she did. red flag. I asked her nicely why she would n't take {$3000.00} and she said because she wanted {$5000.00}. What happen to what Citibank the client wants. Things just do n't add up. I was told CFPB would be able to help me resolve this. thank you for you time. please advise 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: pay pal prepaid works with net spend and they put a block on my card but my money is on my card but i cant use it i need help getting it unblocked pay pal prepaid works with net spend and they put a block on my card but my money is on my card but i cant use it i need help getting it unblocked they did n't even tell me i had a block on my card i had to call and see what was my balance and that 's when they told me.i filed XXXX already dont seems like that is helping so i want to take further steps to get my card unblocked so basically the money is sitting on my card but i cant use it because they blocked my card.plus i filed a dispute on XXXX XXXX regarding a transaction that was not made by me {$940.00} they keeping that and only gave me {$170.00} so basically they giving me what they want to give me i dont want half of my money I want it all. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I purchased a used vehicle from a dealer now out of business. 18 months after purchase car has complete mechanical failure. I called loan company to surrender vehicle and negotiate settlement on acct after they auction it off. Loan company refused to take possession and abandoned with mechanic. Mechanic is now forced to deal with issue. Fear loan co will put this on me even though I surrendered vehicle to them 3 times in 3 days. I do not deny I will owe monies, but expect loan co to try to recoup what they can from car to reduce amount owed. Fear they will not do this because of the effort involved. Mechanic expressed frustration with loan companies lack of professionalism and ethical mannerism. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I discovered I had XXXX bills on my credit report. Suspiciously, both for exactly the same amount, XXXX. The company listed was E.R.C., so of course that meant nothing to me. Through diligent efforts, I found the bill was from sprint, which I had no bill sent to me, since the final bill about 5 years ago. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I borrowed some money from Tower Loan of XXXX I was paying on time every month until XX/XX/XXXX when I had to stop working due to medical problems and did n't have any income coming in because I do private sitting. so I paid half for XX/XX/XXXX and every since then they call everyday 3 to 4 times literally everyday including the people I put down as a reference filling up the mailbox say they have to put a date in the system as to when I 'm going to have the money I can tell them I do n't know when I 'll have it and they keep insisting I give them a date I 'll have the money She hang up and call the cell phone then my references then they laugh on the phone ( not professional at all ) stating we have to put a date in the system but a letter was sent stating it was going to collection a month ago but Tower Loan of XXXX keep calling and calling it 's to the point I feel I 'm being harassed I know bill collectors should n't call 3-4 times a day I 'm I the only one that borrowed money? PLEASE HELP ME FROM THE HARASSMENT 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am a XXXX veteran and have a checking account, XXXX investment accounts and XXXX vehicle insurance policies with USAA. 

I have been depositing the same weekly payroll check via the USAA mobile app into my USAA checking account, for the same amount and drawn on the same corporate bank for over 2 years without problem. My funds have immediately been available to me in the past. 

USAA has begun to " hold '' my checks for the entire deposited amount for 8 days before releasing and allowing access to my funds. Just yesterday I deposited a payroll check so that I could pay a car insurance premium and was stuck with a " hold '' on my check until next week. I had the same thing happen on a deposit XX/XX/2015. The hold is placed on the deposit for 8 days and then the funds are made available. 

I had been in the VA hospital and my auto insurance policy is about to be cancelled so I needed to pay it after depositing my check. Now thanks to USAA I will not be able to do that and after speaking with them there is nothing that can be done to reverse this " deposit '' so that I can cash my check somewhere else and conduct my business. 

USAA customer service and product policy has become very customer unfriendly to the point that I am cancelling all of my accounts ( auto, investment and checking ) with them. 

If you want reasonable and timely access to your hard earned money you should avoid this " bank '' and deposit it into a real bank that has a real branch near you. Meanwhile, I am stuck waiting for this smug " bank '' to release my money. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My XXXX XXXX XXXX father who suffers from XXXX was tricked out of his life 's savings by a young woman con artist. She " borrowed '' all his retirement savings and she used XXXX of his credit cards to go on shopping sprees. She used his Citibank card to purchase more than {$8000.00} in merchandise at stores he never shops in such as XXXX and XXXX 's XXXX, much of it while my father was hospitalized. Note that their fraud alert system failed to recognize this unusual use of his card. Citibank 's fraud department refuses to recognize this as fraud, despite the fact that this woman has been arrested, has been charged with grand larceny and identity theft and is being criminally prosecuted for the use of the card. So, the criminal justice system says fraud and Citibank says permissive use. They have informed us we have no right of appeal and no recourse. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Bank of America called a former employer of mine because they informed that Bank of America called looking for me, I had told me that I no longer worked there. My former employer was upset and then I called in back in XXXX XXXX or XXXX XXXX when my payment was held by the credit department and this occurred twice. I actually spoke with someone in that department and they verified that information. Bank of America can remove the negative mark off my credit because per XXXX companies can do a goodwill intervention once and remove it if they wish to, he states that companies hate to do it but they can ask the credit report to remove negative information. I had a negative mark removed by another company via goodwill intervention. The credit bureau states that Bank of America does not like to remove negative marks but they can remove it if they wish. I asked them to remove it but I was told they could n't. I also spoke with a credit law attorney and he advised that he has heard several complaints about Bank of America telling customers that they ca n't do a goodwill intervention, he advised most companies will only do it once for the life of the account but he does not know why BOA is giving out bad information. I want the credit marked removed de to misinformation being given by customer service and the credit department ( I talked with them twice because they did not credit my funds right away ). No one at Bank of America is worth talking to because they never take responsibility. I work in the credit department and I know they could do a goodwill intervention once. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Trans Union is not responding to my request to investigate and remove some accounts from my credit report that do not belong to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I did n't receive my {$25.00} reward from the BOA 's better reward credit card in XXXX 2015. According to their rep, it was because I did n't make any payment in XXXX 2015. However, I got couple refund from different merchants and I applied my previous reward credit to that statement, which made the balance became {$0.00}. The rep said in that case I should over pay in order to get my reward, which does n't make sense to me, as most financial institute do not allow over pay a credit card. And without somebody explicitly tell me to do so, no consumer would assume that applying reward credit does n't count as payment, and as said, it does n't make sense to over pay a credit card. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was not aware of a debt that we owed to the bank account we had that was closed. Seems that a couple of companies tried to process payments through the closed account so it in turn accrued a balance. Well they forwarded it to a collection agency. Now I had XXXX accounts XXXX was with my husband the other with my son. They are calling my son trying to say that he owes {$1000.00} but they are combining the total from both accounts and he was only on XXXX and the balance on that was like {$400.00} or so. They keep calling and harassing and I am in the process of sending a letter to stop the calling so that i can figure out how to resolve this but they insist on calling and being rude and disrespectful and threatening 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: TRANSUNION IS REPORTING A CLOSED ACCOUNT I HAVE WITH XXXX XXXX XXXX XXXX XXXX FOR A CHARGED AMOUNT OF {$15000.00} AS DELINQUENT AND OPEN. XXXX XXXX AND MYSELF HAVE COME TO AN AGREEMENT TO SHOW THIS ACCOUNT AS CLOSED AND PAID IN FULL ONCE THEY REPORTED THIS ON A XXXX REPORT AS ADDITIONAL INCOME WITH THE IRS WHICH I WAS MADE TO PAY TAXES ON. XXXX AND XXXX HAVE REACHED OUT TO XXXX XXXX DIRECTLY AND HAVE UPDATED THE INFORMATION THEY ARE REPORTING.I NEED TRANSUNION TO SHOW THIS ACCOUNT AS CLOSED AND PAID IN FULL- NOT AS DELINQUENT AND OPEN. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received letter from XXXX XXXX XXXX XXXX XXXX I sent letter as i do not owe them anything. They claim to have purchase third party debt from MBNA. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response