AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: A couple of weeks ago we rec 'd a letter with our banks name/logo to apply for a credit card witih a 5.99 % APR on balance transfers for life. We applied on-line. We rec 'd the new credit cards in the mail. Thinking this is great as we would save over $ 80 monthly in interest by using this balance transfer and lowering the interest. We activated the cards on-line. As I was completing the customer profile I was looking for our monthly payment information since I had thought the balance transfers had been done. But it showed a Zero balance and a {$1000.00} credit limit at 16 %. This is NOT the card we applied for. We feel like we have been defrauded, victims of a Bait and Switch. We do not want, or need, another credit card unless able to utilized one with a much lower interest rate. Only after activation did we learn this is NOT what we need. I took the letter and cards to our bank and learned that it was NOT our bank. It is some affiliate with a similar name. If we can not take advantage of the offered low interest rate on balance transfers we do NOT want the card at all. I looked up the bank and called them. I learned that this card does have the 5.99 % onl balance transfers. I expllained that our application listed the details of the accounts and balances that we had applied to transfer, that a {$1000.00} limit was not sufficient to take advantage of the transfer, asked if the credit limit could be increased. We were refused. We immediately canceled the cards. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am a XXXX veteran and Federal employee who is getting ready to retire. As part of my retirement plan I had intended to move from XXXX to XXXX. After finding a house I submitted a mortgage application to Wells Fargo Bank XXXX the same bank that holds my current mortgage ). In short, Wells Fargo denied my application because I was " Unable to verify income '' upon retirement. Since it is now taking XXXX 6 to 8 months to complete retirement packages, all I had was the Estimate of Annuities that XXXX provides prior to retiring. Since I could not produce a income statement, and will not be able to do so for XXXX to 8 months, Wells Fargo has put me between a rock and a hard place. I have already sold my current residence, however I am now likely to lose the house I have a contract on in XXXX. I doubt I am the XXXX Federal retiree who 's plans included something for which they would need a loan to accomplish. Wells Fargo 's response was that this was part of the new rules implemented after the housing market crashed, however, I can not see its application for someone who will have a guaranteed income at retirement despite the governments processing of that retirement being 6 to 8 months behind. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter from XXXX Center about a debt. It was original XXXX, In Which I did have a card. When I called XXXX center, to get an explanation of the debt and how did they arrive at that amount I was told they did n't have the information. How can someone asked me to pay a debt but ca n't explain to me how they arrived at that balance. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This bill was disputed years ago.. All XXXX credit bureau removed this bill from my credit report. Because i do not owe this bill. Now i am getting threating letters again.. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Failed to notify of debt, paid debt and will not remove debt from credit report 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I submitted a claim with the cfpb in XXXX ( case # XXXX related to case # XXXX ) where I asked ECMC in writing to cease all phone calls to me at both my work and my cell. Their response on the explanation of closure is " Nevertheless, ECMC has honored your request and placed your account into a do not call status. '' Yesterday XXXX/XXXX/15 at XXXX XXXX contacted me in an attempt to collect on this debt. Then she informed me that no automated computer or recording would ever be contacting me. Today XXXX/XXXX/15 at XXXX XXXX called me and it was a computer/automated call. Then again at XXXX this same day XXXX/XXXX/2015 another call to me was made from ECMC from XXXX. So they are not doing what they promised cfpb, nor me. This case is pending a hearing and I need EVERYTHING in writing either via email or letter. And I need them to cease the calls immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, I made a payment to a student loan with Wells Fargo XXXX which stated that the payment would be applied to my XXXX XXXX, 2015 billing cycle. I later received another bill for XXXX XXXX, 2015. I had taken screenshots of each step along the payment process as evidence that misleading information was being published to the website, as a similar issue had arisen before. They refused to apply my payment to the XXXX XXXX payment date, requiring me to make a XXXX payment on the loan or wait several weeks ( beyond the due date for the bill ) to have a refund sent by check of my XXXX XXXX payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: My concern is something I do not believe this agency addresses but needs to. I have no late payments. None! I pay my credit cards off XXXX, for years. I earn in excess of $ XXXX per year. My house is almost paid for and I have another home that has no mortgage that my parents live in. I present no credit risk what so ever. My debt to income ratio should be extremely low. Yet, XXXX credit agency, Transunion, has my score at XXXX. Why? The other XXXX agencies have me as high at XXXX and I think those scores are low. As a consumer, I have no way of understanding their computation and getting an answer from those people is not possible. In no way are these agencies focused on consumer protection. That is why the cfpb exist in part. It seems to me the credit rating agencies assess risk as related to credit payment history, income, ( it should reflect total net worth ) and other factors. If I am ( including all liquid assets ) in fact debt free, why are my scores so low? This cost me money. Is this all some sort of scam? A way for lenders to charge higher interest rates to consumers that are worthy of premium rates? Is there collusion between lenders and XXXX or more credit reporting agencies? Maybe the government turns a blind eye to this? I am by no means a conspiracy theorist but the amount of money that could be generated by falsifying or intentionally degrading peoples credit scores, must be massive. I will start a lobbying effort surrounding this and demand congressional hearings to get to the bottom of this. I assure you this letter/electronic communication will be part of the record, including you, the person reading it. I hope you have the integrity to work this issue to completion including escalating this issue as is appropriate. Any other action should be considered full involvement in a cover up. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am filing this complaint with the CFPB out of frustration with my lender SunTrust mortgage who is unfairly denying me access to additional modification options after I have proven my eligibility to receive the help. I have resided in the XXXX XXXX area for 10 years and purchase my home XX/XX/XXXX. I have been the primary owner since XX/XX/XXXX and enjoy very much living here. My situation and hardship began after the recession hit that made it difficult to make my monthly mortgage payment because of the shortage of clients and a decline in business. I contacted SunTrust my lender for some modification assistance and was granted a modification program that was a much needed respite from the payment difficulty I was experiencing. Extremely grateful for the assistance I made the payments without fail for 2 years until I received word my mother who resides in XXXX was in a XXXX and because of her financial situation needed my support to cover medical bills and prescriptions necessary for her recovery. Due to this incident I fell behind on the modification payments in XX/XX/XXXX and missed only XXXX maybe XXXX payments. I contacted SunTrust again to see if there was some way to reinstate the previous modification or get access to some other modification arrangements but after SunTrust completed a review for the additional aid SunTrust deemed I could not afford my home. This was grossly inaccurate because I only missed XXXX maybe XXXX months of payments, was still gainfully employed and now back on my feet from the financial set back I experienced and was doing everything to get back in the good graces with SunTrust to regain my mortgage credibility. In addition to that based on my current income and the fact that I am not that far behind on my payments I am certain I fit the criteria for the additional assistance and need SunTrust to perform a more in depth review of my qualifications that will prove I am eligible to receive the aid. I believe this situation can be remedied if SunTrust would open the door to a proper review and consider other payment options for the arrears like putting the late payments at the rear of the loan or increasing the term of the loan granting me the payment cushion I need to get back on track with my mortgage. I am more than willing to work with SunTrust, will comply with any and all request but am having a seriously difficult time persuading SunTrust to offer a reasonable solution to this dilemma. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have applied for HAMP at least XXXX times with Wells Fargo Home Mortgage. Each instance, they have offered us a " refinancing '' option that was impossible to agree to. We were told each time that deciding on the refinancing option would NOT impact our application for HAMP. However, each time we declined the refinancing option, we were then notified by Wells Fargo that our HAMP application was rejected because " you withdrew your request ''. This is not true. We rejected the refinancing option. NOT the HAMP application. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a loan with Cash Net three years ago. My motherinlaw paid the loan in full to Cash net. For three weeks after, Cash Net continued to debit my account for the amount of the payments. Cash Net was contacted, sent copies of the cancelled check, but still refused to quit taking money from my account. I wrote them a letter and included a copy of the cancelled check and they then sent my account to XXXX collection agency. They called me today and their agent, XXXX XXXX, told me if I did not pay them XXXX right then, I would be arrested and could be detained for up to 60 days unless a judge allowed bail. They then said that they would settle for XXXX at XXXX. I tried to explain to them that the debt had been paid, proof had been sent to them, and the agent then said he was a mediator and not a collection agency, yet he refused to listen to what I had to say. I then paid the {$700.00} due to a fear of being arrested. I have proof of payment so now Cash Net has been paid XXXX times for the same debt. I then asked to speak to the supervisor, XXXX XXXX, who said she would look in to what the agent said but that if they debt had been paid, they would not have been contacting me. What are my options now for getting my money back and for being threatened with arrest and detainment since I have since found it was illegal for them to do and illegal for Cash Net to continue to harass me after I provided proof the debt was paid in full? Cash Net needs to be out of business!! 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I am being billed for an item I have no knowledge of, until I received a letter from the collection agency. I was out of the country for a period of time and I believe someone that resided with me at the time, created an account with out of my knowledge.attached is my credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: A company called XXXX contacted my place of employment, my son, and my mother threatening to file suit against me for fraud in regards to a loan/line of credit with CashNet USA. They kept asking me did i intentionally try to defraud CashNet when I received the loan. And they could only discuss arrangements with me based upon how i answered that question. Also since I stated i could not pay the money within 60 days, they were going to proceed with legal action in XXXX County, VA on XXXX cases of fraud and that i should seek legal counsel. The number i called to reach them was XXXX. And they gave me a case number of XXXX to refer to. I contacted XXXX County Courts and Sheriff 's Office and they have no information regarding this matter. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: At the recommendation of my employer as part of a background check, I ordered a credit report from Experian. I was notified at the time I ordered the report that I would be charged {$1.00} for the report. After ordering the report, I was instructed that I had signed up for a 7 day trial and would be charged $ XXXX automatically if I failed to cancel the membership within 7 days. I then proceeded to view my credit score just to ensure that it was at an acceptable level, and proceeding to fill out the rest of my job application did nothing further on Experian. I received no further communication from Experian regarding my membership, though they had my email address on file. It was not until I saw a {$22.00} charge on my credit card this month that I realized I was being charged for a membership. I immediately called the company and explained I had never utilized the services other than looking at my score when I XXXX signed up for the service, that I felt some sort of a notification that my trial membership was expiring should have been provided to me, and requested a refund. They said because I was notified at the time I signed up for the account that I would be charged a $ 22 monthly fee for failure to cancel, they would not issue a refund. In fact, they tried to convince me to sign up for further services at a discounted rate, though I made it clear I had no intent of using the services further, given that I have thousands of dollars in student debt and could n't afford to pay the {$22.00} charge for one month, let alone continue paying for a service I had no intent to use on a regular basis. All in all, I felt that the customer service response I received was poor, and that the business practices failed to adequately warn consumers of the charges that they would incur as a result of using the Experian services. As the attached screenshot shows, the initial screen to order the report only says that there is a {$1.00} charge to order the report ; the $ XXXX membership fee is only mentioned in small print at the bottom of the XXXX page of the order. I admit that in my rush to complete the documentation for my job, I neglected to remember to cancel my membership at a later time ; but my concern is that less sophisticated consumers than myself will be taken advantage of and not realize the costs they are incurring in merely checking their credit report. Had I known about the existence of annualcreditreport.com at the time, I would have certainly just gone straight there. 

Company response: Company chooses not to provide a public response
Consumer complaint: I cancelled my bank account with CITIBANK in XXXX 2015 and I 've already called them XXXX times to get a check with the balance of my account at the time of closure. So far no result and the process is in a loop. In every call they offer cancelling the previous check supposedly issued and reissue a new one. Every call takes more than XXXX minutes and they ask for my personal data over and over again. Two months after I still do n't have my money. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is the XXXX time Citi Cards has closed accounts I 've had with them due to recent inquiries despite the fact that all of my accounts are in good standing and I 've had several of them for well over a XXXX now. I have found them very frustrating to work with trying to get my accounts with them reopened and I want a real solution to this matter or at least having Citi remove the XXXX XXXX, XXXX accounts removed from my credit reports. 

My very XXXX Citi card was a Citi Forward account opened XXXX 2013 and that was used to build my credit. It astounds me that none of that has been taken into consideration with regards to these account closures they 've done on me. I do n't like the deceptive bait and switch tactic of approving me for these accounts and then closing them like this. 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested XXXX XXXX via XXXX that PMI be cancelled on my loan on XXXX XXXX, 2015, by letter, and again on XXXX XXXX, 2015, via website. The reply implied that in 10 business days, there would be a response. On XXXX XXXX, I again contacted the lender through its website stating that I had not had a response at all. I still have not had a response. 

Company response: Company chooses not to provide a public response
Consumer complaint: My XXXX was recorded wrong. 

Company response: Company chooses not to provide a public response
Consumer complaint: an amount on my credit report which is not in my name nor have I had a history with this company 

Company response: Company chooses not to provide a public response
Consumer complaint: I wish to file a formal complaint against CITIBANK for the way they handled closing both my XXXX and XXXX credit card accounts. I have had these accounts for almost a year, have handled these accounts responsibily, paid them on time, in full and have never been late. Citibank claimed someone tried hacking into both accounts online and jepordized the security of the accounts. An operator claimed they wanted to close the XXXX account for " security reasons '' and reopen it with a new number, which I hesitatly agreed to. I had requested both accounts credit limits be raised as I was a loyal customer, which Citibank had done to XXXX. The week following the credit limit increase, I had applied for and were given XXXX new accounts with Citibank, XXXX XXXX, another with XXXX and still another with XXXX, all branded credit cards Citibank sponsors. The morning of Monday, XXXX XXXX, I receive XXXX disturbing phone calls from Citibank security. They claimed to have express " concern '' over so many accounts being opened over such a short time. I explained to them that I had applied to these companies as a " buffer '' measure to help me avoid being left out in the road as I had planned to travel this summer as I have a XXXX person in my family and can not afford to be left out in the " cold '' so to speak. They agreed and hung up the phone. The very next day, I received notification that I was now placed as a " risk '' to Citibank as they claimed I had too many inquiries on my credit report to their liking and they subsequently closed all XXXX credit accounts with their company. I object to the way they handled these accounts, assuming that I am now a " credit risk '' to them simply because I have applied for more than XXXX account in such a short time. As stated, I have been a loyal responsible customer of theirs for almost a year and had NO PROBLEM up until now. Please consider this a formal complaint against Citibank. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a Macy's/American Express card XXXX The Amex portion was compromised and I received a bill showing a late charge. I had never used the Amex portion of the card and thought it was just my Macy 's bill. When I realized it was fraudulent charges, I contacted them and they started a claim in XXXX 2014. The claim is still outstanding and I have been receiving letters from their collections division. I have called at least XXXX times, each time they tell me it is still under investigation and they received the Declaration of Fraud paper in XXXX 2014, yet the case has not been resolved. I have been told multiple times that a supervisor will call me back regarding the issue, with not XXXX return call. I closed the Amex portion of the card immediately after realizing the fraud had taken place. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a veteran XXXX starting on XX/XX/XXXX. In XX/XX/XXXX, I terminated a lease early with XXXX XXXX under their military clause due to XXXX to move. I did not receive any notice indicating I was owed money. XXXX years later starting on XX/XX/XXXX, I began receiving a call from XXXX. I answered and spoke with someone who did not reveal their name on XX/XX/XXXX. He claimed I owed utilities from when I terminated the lease through the original end of the lease. He was rude and aggressive claiming that they waited as long as they did due to the Sailor and Soldier Relief Act. I said there was nothing in my lease indicating I would be responsible for utilities AFTER I moved out. He refused to send me any documentation proving debt and demanded my personal information, like current address. I did not give him any personel information and hung up on him when he started threating lawsuits. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was contacted by States Recovery Systems Inc 11 days before my arranged payment due date. I found it odd that I was contacted by an individual ( XXXX XXXX ) that does n't typically handle my account. He asked if I wanted to set up a postdated payment and I informed him that today was just the XXXX and I have 11 more days until my payment is due ; therefore I 'll call in on my due date like I always do. I informed him that I am one of the few people they may deal with that actually calls in to make my payments and I do n't need them to call me. 

Though I informed him NOT to set up a postdated payment and I will call in on my due date ( XXXX ) like I always do. As of yesterday ( XXXX/XXXX/15 ) I received a letter in the mail stating that a postdated payment has been set up. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent complaint letters to XXXX, where I requested them the investigation of few suspicious and inaccurate accounts in my credit report. They received the first one on XXXX, 2015 and the second one on XXXX XXXX, 2015. As of today 's date, I have not received any answer from them. I am desperate because I would like to buy my house and this situation is greatly affecting that possibility. They have exceeded the time allotted for investigating and have not answered any of my questions. This further supports my suspicions that the information is not mine. I do not believe that i am a victim of identity theft, I just feel that the information was mistakenly reported to my credit history 

Company response: Company chooses not to provide a public response