AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have a consumer credit card with The Home Depot which has a deferred interest purchase that is due for {$340.00} which is due before XXXX/XXXX/2016, I paid the full amount of {$340.00} and they took {$110.00} for a minimum payment for the pay period. I called today to ask to pay the {$110.00} that they took for the minimum and they are trying to require me to another minimum of {$110.00} that is not due until XXXX/XXXX/2016. I am asking to pay the {$110.00} now and the {$110.00} before the due date of XXXX/XXXX/2016 and they are refusing. i authorized payment of {$110.00} but they took a payment for {$110.00} which was incorrect and I asked for them to cancel it and they refused to credit it back to me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I recently got a mortgage and now I have numurous hard inquries on my credit reports. 
I have talked with both transition and XXXX about an account from XX/XX/XXXX that was taken out of my S.S. Ck. I also had accounts that were to be removed from my accountsBecause they were from XXXX Iwould like a forensic revue of my accounts.If that isPossible. Thank you XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have never own a Credit card from the XXXX and it appeared on my credit report as collections balance to XXXX. As I have obtained a mortgage for my retirement home in Oregon, lender asked me to pay the full balance in order to get the loan closing because the credit reporting agency has been refusing to remove the error off my credit report! I paid the full amount of someone else 's financial misdeed. My husband and I are on a fixed income please help us to get our money back. Than you 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a line of credit with care credit thru GE I as originally denied but was told I would be approved if I had a cosigner. I got a cosigner and was approved. I received a welcome letter and XXXX cards in my name. When the bank changed to Synchrony bank I received another letter. a few months later I called Synchrony bank due to not receiving a statement and I was told that I did not have an account. I argued with the rep to no avail. They said my cosigner was the only one on the account and I was just an auth user. The only info they have on my cosigner is name, ssn and dob. No phone number, no address, no employment was ever disclosed on the online application that was in my name. This was about a year ago. Now I call into Synchrony bank to get a payoff and they are saying again that I am not allowed to get any info. Also, I have been making more than the min payment amount and some months pay XXXX or XXXX payments a month. Synchrony bank does not credit my account for payment for the month paid if the payment is before the due date. that 's right. if you pay your account on the XXXX of the XXXX for your XXXX bill which is due on the XXXX your payment is posted to XXXX and you are then considered late pay and hit with a late fee and additional interest. I pulled the payments on line from both my bank statement and the payment postings on my Synchrony statement they all do show up each and every month, not missing a month and some times XXXX or XXXX payments a month but some were posted before my due date so they were not applied to that month. So I am being punished for making additional payments during the month to pay off the loan sooner and Synchrony stealing from me. I am not trying to pay months ahead I pay each month for that month and add more payments to lower my total amount to be charged interest, I am sure that I am not the only person this is happening to I have read many online complaints and it seems to be their standard practice. I totally see and will seek a class action law suit against synchrony bank. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been a customer of DINERS CLUB for the past 20 years. During all past 20 years Diners club never submitted data to credit reporting agencies. In XXXX XXXX, Diners Club sent me a note stating that they start submitting data to reporting agencies. The letter did not inform me that the card will submit data in the past 2 years. Unfortunately, Diners Club decided to submit data for the past 2 years. Giving the fact that I have been a customer for twenty years during which the card never reported data, it is reasonable to assume that the data being reported should only include data from the time they informed me they will start reporting, not data in the past. For example, had I known that Diners club will report data in the past, I would have cancelled my membership. Or would not have made use of the extension they have for their clients to pay after 60 days instead of 30 days. 
This is not acceptable. The card never disclosed in their terms and condition when I signed up for a card in XXXX that they will report data to credit Bureau. The card should only report data from the time it informed its customers of its intent to report data and moving forward, not to go back 2 years. 
I am asking you to take actions that compile BMO HARRIS DINERS CLUB to only report data from the time they updated its client of their intention to report to credit agencies. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX addresses reported on my report are incorrect, I have never lived at either XXXX XXXX XXXX XXXX in XXXX, Tx. or XXXX XXXX XXXX XXXX in XXXX, Tx.. I would appreciate these entries being removed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: After signing up for online banking statements ( paperless ), I was still charged a fee of {$5.00} per month for " return statements ''. I have called the bank ( BB & T ) several times each year as well as going to a local branch ( XXXX NC ). Each time I was told it would be researched and corrected. Nothing was ever researched and the fees kept coming. Now the bank ( BB & T ) tells me they are willing to refund me one year ( {$60.00} ) of the fees even though I know they have charged me at least {$200.00} or more in these fees. They also took the money from a small savings account with these same return statement fees and closed the account. They say that they have no record of me talking to them regarding this problem or of me coming to the local branch to discuss this problem. The computers show when I signed up for no statements so the error on their part should show the amount they have charged me and how much should be refunded to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a home in XXXX. that we have not been unable to sell. For the last nine months I have attempt to negotiate with CitiMortgage to close the account on this home by deed-n-lieu. We now live in XXXX. Every 90 days I have had to submit a packet of documents to keep the request current. I have made sure the monthly payments are made each month and on time. This month note to be paid is {$1.00}, XXXX for XXXX. The original amount of the note was $ XXXX/monthly. The additonal charges are so great that the principal amount has not decreased. In fact the XXXX payment only apply {$200.00} to the principal balance. XXXX note included a charge of an additional {$2000.00} dollars. The monthly note totaled {$3500.00}. I made a payment of {$2000.00} dollars on XXXX/XXXX/2015, then the additional payment ( XXXX ) {$1500.00}. There is no reference to the payment of {$2000.00}. On numerous occasions I have written for a review of the account to specifiy where the {$2000.00} was applied. Instead I have been told there is an overdue amount of {$360.00}. A history of payment application was sent after several request, It does not refer to the {$2000.00} dollars. Since the Deed-N-Lieu request there are other charges that eats up the payment i.e. : reinstmnt expence, property preservation, foreclosure costs ( {$920.00} ), appraisal/XXXX ( XXXX ), forclsr Atty fee ( {$270.00} ). Theses charges are listed every month. I have not missed a payment so why are we being charged foreclosure fees? How many time do the property have to be appraised? There should be only one Attorney assigned to this account, how many times must the attorney be paid? 
I ask for deed-n-lieu because of the hardship that I am in. My husband a XXXX Veteran is XXXX. If he dies then a lost of his income would be detrimental to me and the XXXX children XXXX. This has been stated in a letter of hardship to CitiMortgage. A contract was sent to us from CitiMortgage in XXXX to finalized the deed-N-lieu request. It is now almost the end of XXXX and the contract has not been processed. If the process takes more than 90 days then I must submit additional documentation that our income and status has not change. Our income will not change unless my husband expires. 
CitiMortgage been going in a vicious circle and failed to finalize the process in a timely manner. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I recently pulled my credit report from Experian and noticed the following accounts were listed on my reports as a collection/chargeoff. I immediately disputed this information with Experian and the results of the investigation came back as " verified ''. I did not have an account with any of these companies during this time period. All of these companies incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. With Experian continuing reporting this account as negative on my credit report it makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless these debts are immediately removed from my report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX Account XXXX is being reported incorrectly by XXXX XXXX XXXX, they indicate the first date of delinquency on the account is XXXX XXXX, which is incorrect. The first date of delinquency appears to be XXXX XXXX. I need this corrected immediately 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX continues to report an account to my credit report as " Disputed '' even though I have informed them ( see attached letter dated XXXX/XXXX/16 ) that this account is no longer disputed and requested that they remove this status from my credit report ; I am attempting to obtain a mortgage and this dispute status is preventing me from qualifying. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My Best Buy Credit Card, member since XX/XX/XXXX, was purchased by Citibank. I was charged the annual fee XX/XX/XXXX which covers the card through XXXX XXXX. My card expired in XX/XX/XXXX, I received a notice dated XXXX XXXX that my card would not be renewed due to a review of my credit. While I do not want the card or any account with XXXX, I do think its unfair and deceptive of Citibank to collect my annual fee, notify me after the card expires that my account has not be renewed. Why are they not required to do it prior to collecting the fee? To add more insult, they refuse to reimburse or credit the account for the annual fee. I was told that it could not be done systemically. I spoke to XXXX different customer service reps who all advised me of the same thing. They have also prevented me online access to my account to make a payment and I now have to call or mail my payments by mail. I also contacted them through social media and was promised a call within 48 hours and they have yet to contact me. My tax dollars went to bail out this bank yet they can not do anything to help the average customer. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: DEAR SIR, I WOULD BE MOST GRATEFUL IF YOU COULD ASSIST IN WHATEVER WAYS YOU CAN SINCE I CAN NOT AFFORD A LAWYER. 

MY COMPALINT IS AGAINST CATCH LLC REPRESENTED BY LAWYERS XXXX.SCOTT LOWERY OF XXXX XXXX IN XXXX I HAVE A CREDIT CARD DEBT OF XXXX $ ( FROM XXXX.THEY SENT ME TO COLLECTION BECAUSE I MISED A FEW PAYMENTS WHEN I HAD NO JOB AFTER MOVING TO XXXX XXXX. ) I HAVE ALREADY PAID THE ABOVE LAWYERS FOR OVER A YEAR ALREADY ( AS AGREED WITH XXXX. SCOTT REP AT {$50.00} EVERY MONTH ) BUT I CAN NOT AFFORD TO STOP PAYMENT WHEN THIS IS DUE BECAUSE THEN THEY WILL ONLY ASK THE XXXX XXXX COURTS ( WHERE I WILL GET NO SAY ) TO COLLECT ON THEIR BEHALF. 
THE COURTS WILL IN TURN AGAIN TAKE MONEY ( THE AMOUNT OF WHICH I CAN NOT DETERMINE ) FROM MY SALARY. 

I HAVE HAD THIS PROBLEM BEFORE FOR A PERSONAL LOAN ( OF XXXX $ ALSO FROM XXXX XXXX XXXX. ) XXXX ( WHICH WAS BAILED OUT BY GOVERNMENT ) SENT ME TO COLLECTIONS AND I PAID XXXX SCOTT LOWERY FOR A WHOLE YEAR ( XXXX $ NOT TAKING INTO ACCOUNT WHAT I HAD ALREADY PAID THE BANK ) AND THEY SCAMMED ME. 
THEY SAID I WAS LATE FOR PAYMENTS AND TOOK THE WHOLE {$1200.00} AND POCKETED THE MONEY. 

THE AMOUNT PAID WAS NEVER PUT AGAINST THE LOAN REPAYMENT. 

I THEN STOPPED PAYMENT AND THEY THEN JUST TURNED AROUND TO THE XXXX XXXX XXXX TO COLLECT ON THEIR BEHALF. 

I GOT NO FAIR REPRESENTATION FROM THE COURTS AND THEY JUST USED THEIR AUTHORITY. 

TILL NOW THE COURTS ARE TAKING MONEY FROM MY SALARY AND I HAVE NO CLUE HOW MUCH AND FOR HOW LONG..THE COURTS HAVE NO EXPLAINATIONS FOR ME. 
THEY ONLY REPRESENT THE MEN IN SUITS. 

I THINK THIS IS A BIG SCAM ABOVE ANYTHING ELSE AND I LOOK AT THIS WHOLE SET UP AS EXTORTION AND/ OR ROBBERY IN BROAD DAYLIGHT. 

TO THAT EFFECT I WOULD BE MOST GRATEFUL IF GENTLEMEN, YOU COULD KINDLY ASSIST AND ADVISE AS TO WHEN, HOW AND WHERE I FINALLY PUT AN END TO THOSE DEBT PAYMENTS AND STOP DEALING WITH CROOKS AND SCAMMERS. 

I THINK THAT THOSE PEOPLE IN SUITS SHOULD ALSO BE HELD ACCOUNTABLE LIKE ANY INDIVIDUAL. 

I 'VE DONE ALL I CAN TO PAY OF MY DEBTS AND I AM STILL WORKING HARD TO GET OUT OF DEBT TOTALLY HOWEVER IF I AM TO PAY {$1800.00} FOR MY WHOLE LIFE THEN I MIGHT AS WELL STOP WORKING ALTOGETHER AND LET THE STATE TAKE CARE OF ME..MAYBE THE STATE WILL THEN TAKE CARE OF MY DEBTS TOO. 

XXXX NEVER GAVE ME A CHANCE AND I LOOK AT CATCH LLC AS RESORTING TO EXTORTION THROUGH THEIR LAWYERS AND THE XXXX XXXX XXXX, I AM SURE YOU WILL AGREE WITH ME SIR, THAT THESE CONDITIONS ARE UNTOLERABLE. 

I THANK YOU IN ADVANCE SIR AND LOOK FORWARD TO A POSITIVE RESPONSE FROM YOUR END. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sought help with refinancing or a loan modification after I found that my husband unexpectedly decided to file for divorce. I bought my home prior to our marriage. We as husband and wife decided that it was ok for me to become a stay at home mom and wife due to his increase in income. So when he up and left I had no other income. I reached out to the company listed below and was advised to not make a payment, which I was up to date on and not ever late up until this point, with help from my parents. I took the advice and now a little over a year later I am unable to get caught back up and looking at possibly losing my house. I wish I would have known then what I have come to learn now! 

XXXX XXXX Processor ( Not an attorney ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Toll Free ( XXXX ) XXXX Ext. XXXX Fax Number : ( XXXX ) XXXX Office hours XXXX to XXXX est. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Experian fails to update my credit bureau report and does not notify me of any changes, additionally they fail to update my Score after I have no delinquencies. 
I continue to have OLD OUTDATED information and medical bills that do not belong to me not to mention wrong information on late charges they have not investaogated and failed to contact me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: As you know, my car was repossessed XX/XX/XXXX. It was a XXXX Toyota Yaris fiinanced through Regional Acceptance. Today I received a letter from them stating that the car was auctioned off and want {$9000.00}. from me. I will not pay for a car I no longer have. Now, my question is this .I have a part time job, can my salary be garnished? Also, I am financing a car from a dealer in a different state. Can that car be repossessed? I just want these people to leave me alone. They got their car back. What more do they want & gt ; 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2016 I went into a Target store in XXXX, California. I was on my way to give a speech and stopped at this store to buy some things. XXXX is an overwhelmingly minority community. I made XXXX purchases. 1 ) XXXX packages of alkaline batteries for {$31.00}. 2 ) A XXXX camera for my wife for {$210.00}. XXXX XXXX initially declined the charge. I respeat, XXXX is an overwhelmingly minority community. I immediately reached XXXX by phone and answered questions. They ultimately approved the charge. While I was waiting for XXXX to approve that charge, I gave the clerk my Bank of America ( BofA ) credit card and asked her to charge the batteries on that. That charge was also initially denied. In talking to BofA they said they wanted to make sure it was not a fraudulent charge and BofA approved the charge, which I thought was only for the batteries. However, she apparently accidentally also charged the {$210.00} camera on that. When I saw that, she agreed to back out the BofA charge. For reasons unknown to me, the charge was not reversed and I have now paid for the camera twice. Somewhere along the line, BofA cancelled by crredit card and said they would send me a new one, which they did, several days later. When I later went online to challenge the charge, all the form would let me do was call the charge a fraud. There is no space for mistake or accident. I 've now had SEVERAL phone contacts with BofA telling them what happened and said to not pay XXXX for this charge since they had already been paid on my XXXX card. I never challenged the batteries, only the camera. The last contact was just a few days ago. After again, explaining this to the BofA representative, I told here I would gladly pay for the batteries. After questioning her closely, she said there had not been a {$210.00} charge on my BofA credit card. I said, if that 's the case, then I 'd drop my challenge since, according tohere, there was nothing to challenge. TODAY XXXX/XXXX/2016, I got a letter from BofA. It says a charge of {$210.00} was placed on my credit card account because I agreed to assume responsibility for it which I NEVER DID. The good news is that, no doubt, BofA has recordings of all this which will prove my point, most especially the last contact a few days ago. That woman was either incompetent or untruthful. I now want BofA to eliminates this charge once and for all. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Trying to get release of lien off my XXXX XXXX XXXX XXXX # XXXX from Citibank NA. Contacted Citibank NA, on XXXX XXXX, XXXX, representative XXXX said they no longer own the loan, that it was transferred to XXXX. Contacted XXXX, on XXXX XXXX XXXX. Representative, XXXX XXXX said XXXX does not have any record of this vehicle on any of account. Need to get Lien Release ASAP. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: ACCOUNT SERVICES COLLS ARE REPORTING A {$140.00} FOR A MEDICAL BILL FOR XXXX THAT MYH INSURANCE HAS ALREADY PAID. XXXX AND XXXX HAVE SINCE REMOVED THIS DEBT AFTER MY INQUIRING FOR VALIDITY. NO VALIDITY COUND BE PROVIDED AND THE ACCOUNT WAS REMOVED. I NEED XXXX TO DO THE SAME ASAP. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent a request for information to Select Portfolio Servicing ( SPS ) on XXXX XXXX, 2016 related to their assertion that they are authorized to service an alleged loan on my home. SPS did not answer all of the questions despite having requested this information XXXX previous times. This is be my forth time asking SPS for complete answers to a complete Qualified Written Request. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: To whom it May Concern, I, XXXX XXXX, hereby declare that I have been a loyal customer of bank of America since 1998. I have changed accounts four times for security reasons, but I never left my bank. It has been about ten months or so since that the overdraft fees that bank of America charges have become outrageous. Bank of America reorders debit card transactions/e-bill payments and withdraws in various ways ( usually placing the higher amounts first that will leave customers with negative balances XXXX, therefore ; the average client will be left with more than a few costly overdraft fees. Every time I have called to complain about how my available balance changes from day to day, the supervisors and customer representatives tell me that the automatic system rearrange transactions in different ways. Sometimes the automatic system will process larger transactions first and others the system will not process transactions correctly over the weekend. Consequently, on Monday morning the average costumer will be surprised with a bunch of overdraft fees. I have asked supervisors and customer reps to amend the mistakes that the automatic service makes. Some managers will waive a few charges. Others, like the last supervisor I spoke with will tell me that if I balance my account using my phone or a computer, I am destined to pay overdraft fees every week. If that is the truth, why does bank of America promotes mobile applications, online banking usage and online statements? Then, to make it more ridiculous the supervisor told me that if I kept doing my balance using paper and pencil and comparing it with my online balance, I was also destined to be charged hundreds of dollars in overdraft fees. Supervisors keep talking about the automatic service and blaming it for all overdraft fees like the automatic service is an electronic device that ca n't be handled by human beings ( it has its own mind ). My sister who was a loyal customer for XXXX years of Bank of America left the bank because of the same reason : Bank of America is rearranging deposits and withdraws anyway they want, so they can make millions charging overdraft fees. Something has to be done to stop Bank of America for charging overdraft fees in order to increase costs to average consumers for their benefit. 

Company response: Company chooses not to provide a public response