AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I had gotten behind on payments my daughter was XXXX injured at XXXX school dance and and requiring XXXX I had to take XXXX with no pay. She eas injued XX/XX/XXXX and her XXXX was XX/XX/XXXX. Ally financial contacted me I spospoke to XXXX at extension XXXX I told when I could pay and said that XX/XX/XXXX was to late since subject to repossession. He asked me how fast does my bank process the check advised next business day after speaking with him I agreed to set up a check on XX/XX/XXXX knowing the bank wo t process till the next Monday due to the holiday. I agreed to bounce a check hoping that it would n't get to my bank again till XX/XX/XXXX. I would not be able to go back to work till XXXX/XXXX/XXXX unless my daughter recovers faster than expected. He advised me to cb @ XX/XX/XXXX to set up the check for XX/XX/XXXX and gave me the direct number for him. Today on XXXX I received a call from ally. She stated my amount and advised that my auto can be repossessed if I do not setup the total amount due today. I advised who I spoke to and when advised I was told to call back on XXXX to set up PMT said that 's not an arrangement. She threatened me with repossession but could not give me the date it would be repossessed. She was rude and threatening. I got scared and hung up the phone. Since my daughter has XXXX and XXXX I actually considered loading this girl in the back seat and moving her to a safe location. She has to have her XXXX removed on XXXX/XXXX/XXXX and ca n't walk to the XXXX. I reconsidered and called back to ally and it was s fight to the finish to get just my account number in which I finally asked for a supervisor in which I was denied by XXXX but she finally have me the account number so I can lodge this complaint. I truly believe that since I have 5 payment left that they want the truck back and would threaten with repossession if you were 16 days late. It 's been a horrific experience. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo add XXXX {$35.00} overdraft fees the same day I had a direct deposit in my checking account. In addition they add {$12.00} fee for moving money from my saving to checking account. This is in sane and worst than the shark loans. 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit card with Citi Bank Advantage was set up to automatically pay in full each month. This past month I moved, causing me to have more expenses than usual. I went online a few weeks prior to my payment due date and change the auto pay amount to {$500.00}. On XXXX/XXXX/16 Citi Bank took the full amount of {$4100.00}. I called on XX/XX/XXXX and was told that the monies would be deposited back in my checking account on XX/XX/XXXX or XX/XX/XXXX. It was not, I called again on XXXX and was told that it would be done on XX/XX/XXXX or XX/XX/XXXX. As of today the funds have not been refunded. Now they are telling me it should be done by the end of the week. So far I have incurred {$100.00} in overdraft protection fees. I really need this money to pay all my normal + moving expenses. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Due to a recent ( successful ) credit card application, I received a notice that I could get a free credit report within 60 days. The notice gave a phone no. for Experian ( XXXX ) which I called. After answering the prompts on the phone tree, I got a message that said if I did n't have internet access, to stay on the line to get a report mailed to me. I waited and the message cycled through 3 times then said something like, " I 'm sorry you 're having trouble. Pls try again later. Goodbye. '' I called again and this time, pressed " XXXX '' at that same point, which was for people who wanted their free annual report. ( Since I was n't trying to get that, well, I did n't know if it was the same thing or not, I did n't go that direction on my first pass. ) So, from " XXXX '', I got a message that said to go to the website and, eventually, ended the call, similar to the first time. ( One of the options in the phone tree was for those who had received a negative response to a credit application. I did n't go that route because I had received a positive response. ) The bottom line is that Experian says they will mail you a copy of your credit report and that you can order it by phone but then, it does not let you do that. Now, I came over to a relative 's house to use the computer and went to Experian.com, where they list a 2nd number to call ( XXXX ). I did so and got the exact same phone tree and the exact same recordings that led nowhere. It was the same as the first time, I called and pressed " XXXX '' and waited there until they hung up on me, called back and pressed " XXXX '' until they, again, hung up on me. 
Luckily, for me, I have fairly reliable computer access, so it 's not a big deal but what does someone with no access to computers do? Experian 's phone response is all automated, so it 's impossible to actually talk to anyone and ask questions, get help, etc. Experian is not servicing our consumer community as it purports to nor is it servicing us as I understand it is obliged to by law. What do you think? 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX I had a online email stating my credit card account was showing on " Notice of suspended Online Bill Payment service '' so I called citi bank customer service immediately after receiving the email, spoke to XXXX XXXX same day & she explained that a payment showed returned, because the account was not found, it then made me realize perhaps it was an old inactive account still showing in history, so I said ok, it was probably an error that account was used, and she agreed too and waived return fee, also I paid through the phone with XXXX, so we could restore the account in good positive status. Next day found out my account had been closed, I called customer service again mentioned only the night before spoke to XXXX XXXX, she did n't tell me anything about the account being closed or going to that status, and infact saw everything fine from her end. I was advised today that in order to open the account they need to do another credit inquiry, I do n't feel this is fair at all given I made all and any attempts to resolve as per the direction of Citi banks email to contact customer service. I resolved things from my end, paid the balances owed from my debit card on the phone and still the account went to closed. I am worried this will affect my credit score, as they will now report the account closed, and also worried that by re-opening the account they need to do another credit inquiry which is not necessary. They are saying to me there is no other way, but asked me to write to the president of citi bank for him to review my request, I will send the letter XXXX in the mail but need help also from an agency like your 's to please review my case, this is not the right way for credit card companies to take advantage of customers. I did everything in my power to call the customer service and resolve things from my end immediately, they should n't have closed my account when I made a payment through customer service that went through just the night before. This has put a very concerning view on Citi Bank 's practices especially since I have been with them for 4 years and currently even have another credit card with them in good standing and active status. 

Company response: Company chooses not to provide a public response
Consumer complaint: this is such a long story, but I will try and make it brief. I have a credit card from US Bank. It ha a large balance, but I always make my payments. After my divorce settlement was finished, I called US Bank, made it so the account could not be used, and started making payments. On the card they show you XXXX options, XXXX is the minimum payment which takes 20 years to pay off, the next options is a large payment that takes only 3 years to pay off. I took the 3 year plan and for the past year I have made my payment on time and in some case XXXX payments a month. Recently I received a letter from US bank. It said that they looked at my account and determined they needed to raise my interest rate to 24 % I was astounded, why I asked myself, this was unfair, and unwarranted. I called, spoke to several people in different departments. They all said the same thing, there was nothing they could do. I lived in NY for a long time, we would call this kind of practice Loan Sharking. I do n't know how they get away with it. 

Company response: Company chooses not to provide a public response
Consumer complaint: When we purchased a large-format, curved-screen TV at Best Buy, we were offered an extended warranty. We declined. Some days later, we received a call from the extended-warranty people, asking if we had made a mistake, warning that we should buy the warranty. 

I was tired, and rather frightened and intimidated by the caller. I submitted, and bought the extended warranty. Afterwards, I came to my senses, and realized that the one-year warranty, which came with the purchase, was sufficient. We did not need or want the extended warranty. 

I called to decline the warranty, and request a pro-rated refund. The person said that it may take " XXXX or XXXX billing cycles. '' This credit company ( Synchrony ) is not alone. 

This customary delay seems to me an obvious ploy by credit-card companies. They could make refunds immediately, or nearly so, if they wanted. At most, they might require XXXX or two business days, not XXXX or XXXX billing cycles. 

Just as they are able to charge consumers immediately, or nearly so, they could refund their money, if they wanted to play fairly, by the same rules, as with consumers. 

I hope the Consumer Protection Bureau might be able to intervene, and protect consumers from this predatory abuse, and common practice, of credit-card companies. Thank you. 

XXXX XXXX XXXX XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Bought house in 2009. Needed to refinance a few years later, due to extreme decrease in income. Wells Fargo ( initially Wachovia ) stated not to pay mortgage for a few months as to prove I could not make current payments, and they would be more likely to be able to refi thru XXXX program. Started making 'trial ' payments while getting paperwork finalized. During process, paperwork procedures changed, and no payments were recorded, to which I switched gears and went thru XXXX to save my home. Wells Fargo HAD to approve program for me to be in it, which included WF receiving funds to bring mortgage current. Wells Fargo was receiving monthly payments from XXXX, and FORECLOSED ON MY HOME WHILE THEY WERE RECEIVING MONTHLY PAYMENTS FROM XXXX, unbeknownst to me. Immediately when payments were done, I contacted WF to finish remodification, to which I was told I would be able to save my home. I worked with the SAME preservation specialist for the next several months XXXX in getting all needed paperwork and signatures to them. The last conversation I had with specialist, was to call the next day after all paperwork was sent in ( for the 3rd time ) and they would be able to give my my new mortgage payment. When I called, as instructed the next day, the SAME specialist told me that WF foreclosed my home 8 months prior. When asked why this information was just being told to me, it was stated that she did n't know this whole time. I called XXXX more time after this to discuss, and was told EVERY time I called, that I would be able to remodify. I then told whichever specialists I spoke to that I was told that WF foreclosed my home, to which they would put me on hold for 20 minutes, then come back and say 'oh yes, sorry. nothing we can do. ' In addition, thruout this entire process, WF has been sending any correspondence to a lawyer, who 's services are no longer retained nor have they been for this whole process, to which WF has been notified several times. In addition, have not been able to make any updates on this home that I have worked so hard to get and to keep. I have done everything WF has instructed me to do, every step of the way, and lost money, a good credit history, faith and countless hours in this. 

Company response: Company chooses not to provide a public response
Consumer complaint: The account on my credit report for XXXX XXXX was not opened or owned by me. I have reported this to trans union and XXXX but was told it meets fcc rules. Well show me where I signed or used an address associated with me. This is not my account and was opened without my permission. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: They call from multiple numbers sometimes from different states to get people to pickup. So far this month I have received 5 calls. I do not want to talk to this woman who has my case file. I have never had issues with collectors beforw. But this whole thing seems fishy to me. When I got evicted I only owed XXXX that was what was on my eviction notice. About 7 months later I get a call in the middle of my college class, not one call almost about 10 to 20. I thought someone in my family died. The lady would n't let me get off the phone to go back to class and so I hung up. Week or so later I get another call, and I 'm trying to figure things out there were some issues with the apartment like mold that I needed to get an answer for and she kept talking over me yelling saying that I said I 'm refusing to pay the debt, that I have n't given anything in 6 months and that I 'm irresponsible and that she was going to call the apartment complex I rented from that I qas evicted. Now I disclosed to my landlord that I was evicted and I rent from a place that allows to rent with evictions so I covered my XXXX. They threatened to call my parents who have no connection to the lease I signed for the apartment I got evicted from and I told them they were not to do that because they did n't sign anything and we 're not liable and could n't help me out anyway. I just got berated and talked over the whole time. They call me at least 5 to 10 times a month. I got some legal advice because apparently they are tacking on interest to my bill which when I got the letter from them finally saying what I owed it had gone from the XXXX on my eviction notice to XXXX dollars and now I 'm up to almost XXXX dollars. I do n't give them anything because I have n't received a statement of everything I have charged for the lady told me over the phone, but I do n't even know what I am paying for. I feel violated and do not appreciate the aggressive behavior that has been exhibited by them. I also asked to speak to the owner or the head of the company and they refused to connect me with him so I do n't know what 's going on. I looked them up online and there are pages of complaints by people saying the same thing I have they get harassed, multiple phone calls, threats to call third parties, threats to call apartments we rent from. I just wanted to let y'all know that I read the fair renters act or law and they break quite a few things on it. I also got asked to settle by XX/XX/XXXX for XXXX or something like that and XXXX by XX/XX/XXXX. With my job I ca n't make that ever, not even close I work for tips and even if I worked every day all day the entire month I would be nowhere close to that. They seem to set high high expectations and I ca n't do it. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The Citi ( MasterCard ) Double Cash card offers a price rewind program, where your purchase price is tracked for 60 days, & if a lower price is found within that 60 days, they refund you the difference between what you paid & the lowest price that was found ( The program excludes taxes/fees from the total price calculation, & only covers the purchase price of the item itself ). 

On XXXX/XXXX/XXXX, I purchased a television from a local retailer at a purchase price of {$1100.00} ( excluding taxes/fees, see attachment ). A lower price of {$990.00} was found, and the search for a lower price ended on XXXX/XXXX/XXXX. I filed a claim for the refund of the difference ( {$180.00} ) on XXXX/XXXX/XXXX, to which my refund claim was denied later the same month. The denial reason was justified as " the item you purchased does not match the tracked item ''. 

The website does not specify that a specific model number is needed as part of the refund process, and the item I purchased matches the description of the covered item ( See Attachment ). As shown, the selected item is a " Samsung 55 '' Class Curved 4K Ultra HD LED Smart TV '', & the item that I purchased is a Samsung 55 '' Class Curved 4K Ultra HD LED Smart TV, with no specified model number or type. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am being improperly charged PMI after multiple requests for cancellation by Pinnacle Capital Mortage Corp ( XXXX ). My loan-to-value ratio is now at XXXX % and I am still being charged PMI despite multiple written and oral requests for cancellation. I have held my loan for more than 2 years and have had no missed or late payments. My lender has engaged in systematic obfuscation, including providing multiple mailing addresses to send written requests for cancellation, failing to acknowledge receipt of written requests, and misquoting Homeowner 's Protection Act laws to dissuade me from pursuing PMI cancellation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was informed on XXXX/XXXX/XXXX that I had been sued and that my wages were being garnished. I was advised that a debt from XXXX was purchased by the company XXXX XXXX. I was never served or notified that I was being sued in court. As a result of this I have to quit my job because I do not have sufficient funds to support me and my family and fuel my vehicle to get to work. These people purchased the debt after being written off from the original credit card company and doubled the amount claiming interested. A {$12000.00} debt has now become a {$58000.00} debt because this company has added an outrageous amount of interest, and fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: Moved from an apartment that I lived in XXXX, Fl. Companies name was XXXX XXXX and I was laid off of my job and rent was more than unemployment gor the month. I wrote them a letter expressing my concerns and got no response I moved out XX/XX/2014. I put down a {$1500.00} deposit when I moved in they took that and said i owed for {$1700.00} misc. Things that were not true. I tried calling the company to show I left the apartment in mint condition. All they sent me was the lease. I have made numerous attempts to get this off of my credit because its the only collection I have. I am looking forward to buying a house and I need this removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX I received a BALANCE DUE NOTICE to renew my home insurance policy ( XXXX to XXXX ) from XXXX XXXX XXXX company.This notice also indicated that Bank of America ( XXXX XXXX, CALIFORNIA ) is responsible for the balance due.On XXXX XXXX XXXX sent me a NOTICE of CANCELLATION of my home insurance policy effective XXXX because the BALANCE DUE AMOUNT billed to Bank of America ( XXXX XXXX XXXX CALIFORNIA ) was not paid. Thereafter a letter was mailed to me from Bank of America INSURANCE DEPT. ( XXXX XXXX, TEXAS ), dated XXXX XXXX, it stated that my home insurance policy coverage has expired and they do not have an evidence that I obtained a new coverage. I was instructed to immediately provide evidence of a new home insurance policy coverage or they will pay for the new coverage which will be more expensive for me. I contacted the Bank of America INSURANCE DEPT. ( XXXX XXXX, TEXAS ) and informed the representative ( XXXX ) that my ESCROW ACCOUNT with Bank of America ( XXXX XXXX, CALIFORNIA ) is responsible for my home insurance policy payment. The following is the representative 's response to me : ( 1 ) I am no longer with Bank of America ( XXXX XXXX, CALIFORNIA ). ( 2 ) My account was transferred to Bank of America ( XXXX, FLORIDA ). ( 3 ) My monthly mortgage payment is low so I should be able to afford paying for my home insurance policy coverage.I question the representative why I did not received a notification of this transfer.He apologized and strongly insisted that I pay and obtain the new home insurance policy. I objected. Afterwards, Bank of America INSURANCE DEPT. ( XXXX XXXX, TEXAS ) sent me a SECOND and FINAL NOTICE, dated XXXX XXXX, notifying me to obtain the new home insurance policy coverage or they will provide it at an expensive cost to me.And they did. A Bank of America INSURANCE DEPT. ( XXXX, TEXAS ) letter.dated XXXX, that I received notified me that they have acquired the new home insurance policy coverage including the proof of coverage and how much more I have to pay them. According to Bank of America INSURANCE DEPT. ( XXXX. XXXX, TEXAS ) my account was transferred from Bank of America XXXX XXXX, CALIFORNIA to Bank of America XXXX, FLORIDA. However, I received a letter from Bank of America XXXX XXXX, CALIFORNIA, dated XXXX XXXX, informing me that my ESCROW ACCOUNT payment will increase, hence, my monthly mortgage payment also, effective XXXX XXXX ( from {$1200.00} to {$1500.00} ) .They also provided a copy of the SUMMARY of my XXXX ESCROW PAYMENTS and REIMBURSEMENTS which confirm that they paid the ANNUAL PREMIUM AMOUNT to RENEW MY HOME INSURANCE POLICY COVERAGE on XXXX at the amount of {$1400.00}. I do not really know who to believe and what to do now. I am a senior citizen and an XXXX veteran. PLEASE HELP!!! 

Company response: Company chooses not to provide a public response