AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I recently set up a new checking account with Citi as part of a promotion to earn additional frequent flyer miles ( I already had a credit card ). As part of that process, I set up an " external account '' so I could transfer money between my new account and an existing account with my credit union -- this was to be the source of my initial deposit. I mistakenly thought I had to verify the accounts both ways ( I 'm still not sure whether this was true or not ) -- that is, to have each institution verify the other, which they do by making small debits/credits to the account, and then I 'm expected to verify the amounts. As part of this process, I mistakenly overdrafted my Citi account since it did n't currently have any funds in it -- which is why I was trying to set up this external account in the first place! I was charged {$68.00}, which seems excessive for an overdraft that was less than {$1.00}. I complained via Citi 's chat help, and after first telling me that it was a valid charge, they offered to refund it as a " one time courtesy. '' However, they only refunded {$34.00}. When I chatted a second time the next day, they said that they had only offered to refund " XXXX '' of the overdraft fees -- apparently there were XXXX for {$34.00}. On closer look on my account activity, there were XXXX places that said " overdrawn '' -- however XXXX was a credit ( not a debit ), so that did n't make sense! -- and still only XXXX line that said Overdraft Fee - {$68.00}. They eventually refunded the remaining {$34.00}. However, I believe Citi should be censured for these policies which are clearly predatory and trying to extract money out of customers who do n't have the time or energy to fight them on this. They use misleading language and reporting ( including apparently putting XXXX separate fees as XXXX line item ) and at no point in their help process did anyone offer me an explanation as to why these things are reported this way. I also do n't think that overdraft fees should apply in cases like this, which are clearly part of the initial setup of an account. And customers should n't have to spend several minutes arguing to get back money that was essentially stolen from them. I informed Citi that I would be closing my account as soon as I receive the promotional mileage ; I do n't understand why anyone would trust a bank with such shady and unfair business practices with their hard-earned money. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX of LoanDepot called me XX/XX/XXXX about refinancing my house with a VA loan. I sent them all of the requested paperwork, plus they charged my Visa credit card {$200.00} for an appraisal. A few days later, his supervisor XXXX called and told me a few things that XXXX never told me. XXXX also told me that I am NOT exempt from the VA Funding Fee. I have been XXXX XXXX with the VA since XX/XX/XXXX. I called the VA and they told me that I AM exempt from the VA Funding Fee, and the VA told me not to do business with LoanDepot. Five days before the appraisal was to be done, I called the appraisal company and cancelled the appraisal, so the appraisal never took place. Since then, I have requested twice that LoanDepot refund me the {$200.00} I paid for the appraisal that had been cancelled. To this day, LoanDepot has refused to issue me a refund. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am in receipt of your clearly mass produced computer generated " claim '' stating I owe " debt '' your company. According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you. 

Please be advised that your records are not correct and that I have proof that not only is my account current, but XXXX or in this case now your company owes me money for around $ 300+/ Furthermore, I am a XXXX and unemployable XXXX XXXX. ( Attached Burden Of Proof ) XXXX United States XXXX XXXX Veteran ( XXXX XXXX ) Accordingly, I can prove to a judge that I was never late and that these late marks meet the guidelines for removal. 

Please be advised that your records are not correct and that I have proof that not only is my account current, but XXXX or in this case now your company owes me money for around $ XXXX I do have a council that will be representing me should you decide to continue to break the law and my rights. I have also been told that under the FDCPA/FCRA I am entitled to {$1000.00} per violation in statutory damages plus attorney fees. 

I do not wish to litigate, but the damage has been done, and if I have to I will. Please communicate by mail only. No phone calls. 

I have cc 'd My attorney XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: After reviewing my credit report I saw that I owe Renton Collections for a dental bill that had went into collections. The amount stated is {$280.00}. I called Friday XXXX XXXX asking if they would do a settlement on what I owe. I was told no that I owe {$280.00} and I could either pay that full amount or make two payments of {$140.00}. I said okay I will talk with my husband and see what I can pay and call back. Three business days later I called back to go ahead and just pay the full amount of {$280.00}. I was then told by the guy, XXXX XXXX, that I owe {$420.00}. To my surprise, I said what?, I just called friday and was told that I owe {$280.00} and that I can pay it in full or make two payments of {$140.00} and that they do n't do settlements. I said yes I got that but why did it go from {$280.00} to {$420.00} in three days? He says interest. I then said okay I need to figure something out then. I called back an hour later and asked to speak to a supervisor. Her name was XXXX XXXX, I explained to her my XXXX conversations with the previous agents and she then tells me I owe {$480.00}. I 'm trying to ask about how it went from {$280.00} to {$420.00} and then to {$480.00} all in three business days and she says I must have my numbers wrong and kept bringing up the fact they do n't do settlements. I kept stating, I know that, I want to know why the balance has changed so much. She did not want to answer my direct question why the difference. I got so frustrated I just hung up. It 's upsetting that they treat customers who are trying to pay off a debt now that they 're able to. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I have received numerous calls from Citibank requesting to speak to my Father-in-Law " regarding his account ''. I have repeatedly told them that this is not his phone number, his home, nor anything else of his, and he can not be contacted here. One representative requested that I give him a message to call them back and gave me a phone number. ( Violation # 1 of FDCPA ). I have also asked them several times to remove my phone number. They assure me they will, and then a few days later they are calling again asking for him. ( Violation # 2 of FDCPA - repeat contacts of family member without request of such by myself. ) They just called me again today and asked for him. I told the lady again, not him, his number, his home, and to remove the number. She reported she " would try '' to do so. 
My father-in-law is a XXXX Veteran and deserves all appropriate protections. ( I am not a veteran. ) 

Company response: Company chooses not to provide a public response
Consumer complaint: Sallie Mae and XXXX continually call my grandparents, who were not cosigners nor my guardians at the time I took out the loan. They are continually harassing them without cause. They have no current and had no past control over my loans or my education. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have disputed this information as being fraudulent and not mine, or opened by me. They have disregarded some of my disputed and then some they have said the accounts were verified which could not be because the credit grantor could not provide me with proof the accounts were opened by me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid my XXXX minimum required payment for my Macy 's XXXX account by the due date. Macy 's incorrectly posted the payment to my Macy 's store account. I brought the mistake to their attention and they reduced my outstanding balance by the correct amount but did not make the correction to my minimum payment due. This is the third month that I have had to call them and ask them to correctly calculate my minimum monthly payment that I owe them and to reverse the late fees that have been assessed as a result of their mistake. I have spoken to almost XXXX Macy 's representatives in the past three months. I continue to field phone calls and have conversations with Macy 's customer service and credit representatives insisting I am past due and they are attempting to collect a debt since I have not paid the overstated amount in their system. Each time I have had to ask them to look at the notes on my account and explain that it was a system mistake, apparently the result of a software change in XXXX or XXXX. They acknowledge that the error was their fault but insist that there is no way for them to correct the overstated minimum amount due each month. They have now told me that the only way to solve the problem is for me to make an extra payment that exceeds the original amount of the misapplied payment. I am no longer able to use my Macy 's XXXX Account even though I still have a significant amount of available credit. All of my charges have been declined since XXXX XXXX. According to my last conversation with a Macy 's customer service supervisor XXXX XXXX, this has happened before ( a misapplied payment was made by their system ) and it has been the customer 's responsibility to fix the problem if he/she wants to continue using their line of credit. I expressed my shock since the " solution '' they are proposing essentially breaks the credit agreement we have with Macy 's. She then gave me the XXXX. XXXX address for their Disputes Department. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid off my Macys Credit card on XXXX XXXX, 2015, cleared on XXXX XXXX, 2015 thru my bank. I called on XXXX XXXX to check if had been reported to the credit bureau and they said it would be reported on or before XXXX XXXX. In the mean time ... I am trying to prequalify to purchase a home so I am awaiting for my credit report to reflect. My loan company ran my credit report on XXXX XXXX, 2015 and Macy 's is still reflecting a balance. I called them again on XXXX XXXX, and they said they could n't do anything about it and they would report it to the credit bureau by XXXX XXXX, and also for me to contact the " Credit Bureau '' which was a dead end, not sure where to contact because the number they gave me was incorrect. Due to this problem it has affected by credit tremendously. If they did n't assure me of being cleared by XXXX XXXX, them I would n't have had my loan officer run my credit on XXXX XXXX, 2015. Please help me. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX/XXXX/17 I ORDERED furniture from XXXX XXXX XXXX ( XXXX ) in XXXX XXXX UT. The furniture was to be paid for with an XXXX XXXX XXXX DBA XXXX Bank. I was required to pay for the 'Taxes ' up-front. This was done with my Well Fargo Credit Card in the amount of {$100.00}. Approximately a month later upon the estimated delivery date, I learned the furniture had not been ordered. In the interim I was first told the chairs were not available, then after research on my own this was not correct. A new sofa was to be ordered with the chairs. None of this happened. The 'floor model ' sofa was retained for my order. XXXX XXXX was unable to provide the services/furniture as expected and could not provide any additional information on the order. Phone calls sent me to warehouse were there was nothing for delivery. The manager refused to talk with me. My sales rep could not provide me with any solid answers for status. The order was NOT cancelled by me, it could not be delivered by XXXX XXXX. XXXX XXXX continued to bill Synchrony Bank. I disputed the charges. Synchrony Bank ruled in my favor and returned the charges. Wells Fargo as refused to refund the 'taxes ' based on the XXXX XXXX Cancellation Policy of cancellations subject to a XXXX % restocking fee. The order was never ordered to be considered for restocking fees and the same paragraph states 'floor models ' of what was retained for my order was 'SOLD AS IT WITH NO RETURNS '. I did not order the 'floor model ' and it was never delivered to be attempted to return. I submitted a dispute with Synchrony that was ruled in my favor. I submitted a dispute with Wells Fargo of the 'Tax ' charges and was denied for reason stated about. I reopened the dispute providing Synchrony Bank 's decision and to date have not received a reply. I do not have evidence of the Wells Fargo dispute documents. The Wells Fargo system removes documents after a small window of opportunity. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have sent a letter to them that states the debt is not mine it is over 10 years old The name the address is not correct on the response. Also requested proof of last payment, there licensed to collect debt and proof the debt is mine. no response back other than a copy of some else info I Never open any account under a XXXX XXXX I NEVER LIVED AT THE ADDRESS THEY STATE ON THE FILE. My signature does not come close. II have received calls from this company several times. Sometimes they answer other times they just listen or hang up. I have no business with them and they keep calling. I have reported other number they used to the FCC and now they are calling from a different number. My rights keep being violated They have called my son stateing that I will be arrested if I do n't comply to there demands. They have called me countless times. I have no unpaid debt and do n't know what it is about. I have returned their calls numerous times and answered the phone when they call so I can get to the bottom of this, but I can not reach an actual human being. Their outbound calls are automated. They do not pick up the phone when you call back, so you either leave a voicemail that is never returned or get an error message that does n't allow a message to be left. Unprofessional business practices .I have contact a law firm XXXX XXXX XXXX XXXX TX XXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I applied for a mortgage with Bank of America on XXXX XXXX. When I contacted XXXX XXXX that day he bragged about BofA 's on time closing rate and said they would be able to close on our new home XXXX XXXX. He ran # 's and asked for me to send him required documents. He said we were approved to buy the new house and then sell our home 3 days later. Every conversation with the man he assured me we were good to go for XXXX XXXX. We spoke XXXX and he assured me we were on track. Myself and my real estate agent called/emailed repeatedly the next week asking if he had received the title. Friday, XXXX XXXX he finally gets back with me to tell us he had been out of the office at a funeral and did not have the title. There was no email kickback during his absence saying he was out of the office and to contact someone else or an updated voicemail saying to call someone else. So not only could we not close on the XXXX of XXXX because he did n't have someone working on our file while he was he out, but he had n't done the math correctly ( or contacted someone who could do the math correctly ) and we would have to close on our current house XXXX before closing on the new property. The math should have been done when we applied for the loan and we should of been told up front. We were pre-approved for a non-contingent loan by multiple other lenders. So instead of renting a truck for a day for {$100.00} and having the weekend to move and clear out the old house, we would have to get a POD for {$1000.00}. We reluctantly changed the closing to a dual closing on XXXX XXXX. We received the final disclosure on XXXX/XXXX/15 and I found errors. There was no {$500.00} for failure to close on time as promised by BofA, no {$200.00} for being a preferred rewards BofA member and XXXX had forgotten to add {$500.00} from the seller for repairs. I immediately called XXXX XXXX, XXXX manager, and she put me in contact with XXXX XXXX. XXXX did not get back to me until the evening of XXXX/XXXX/15 and at that point we were faced with XXXX choices. Close on time and lose out on the {$500.00} for repairs agreed upon in our contract with the seller or delay the closing and be homeless for XXXX. She asked if either was acceptable and I told her no. She said she 'd contact her manager and get back to me the morning of XXXX. I have yet to hear anything. So we have lost {$2100.00} because of XXXX XXXX and XXXX XXXX inability to do their job effectively. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX I have submitted a request for over two years to remove the above accounts off my credit report with Experian & XXXX advised them to validate the account as I have no knowledge of the XXXX accounts. 

It was removed from XXXX but still remains on experian and XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have pictures to support my claim. Suntrust has charged me overdraft fees on settled positive balances. On XXXX XXXX, I had an ACH payment and credit card payment that has been posted on my account on the XX/XX/XXXX, but they have, on their end posted it as a pending transaction and moved a payment that was done on XXXX under the posted XXXX payments. 
I was told by the manager of Suntrust that this is a practice of theirs. To move the higher items, even though they are not posted under the lower items that are posted, and directly above deposits to pay those first. As a result, I am paying overdraft fees on items that were not overdrawn on my account. The bank manager told me that this practice is legal and how they do their banking. This ca n't be a legal practice moving items in our accounts to get over drawn payments. No way this is legal, but they told me they do this to all customers. I was warned from a coworker not to do banking with them because they do this and now I wish I would have listed. They did this same thing last month and I was given back my over drawn payment. They refuse to take those overdrawn payments off my account. I will be closing this account. Please help! 
I am sure they have been doing this all along now. Now I understand why when I check my account and it 's good then I check it again and it is overdrawn. They are moving items around in my account to get money. This needs to stop. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have submitted information that proves that fraud affected my account and have asked that the activity was removed. I got a response from XXXX and they removed the activity, but not from XXXX and TransUnion in a timely matter resulting to me not being able to get a house for my family. I 'm very disappointed and really need some results. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was denied credit so I pulled a credit report. I found that the company ERC placed an account on my credit report that I have no knowledge of nor was I notified before it went into collections. This is a violation of the Fair Credit Reporting Act. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XX/XX/XXXX I purchased a vehicle from a dealer. they financed the car through flagship credit, I mad my payments ok for awhile, even though it was a struggle.i told the dealer what I could afford, but payments were higher. in XX/XX/XXXX my husband had a XXXX, about 6 months later we were told that he had XXXX, through all of this I have been receiving harassing phone calls, even after I make arraignments to make a payment. recently I was XXXX short on a payment. 
was told by the representative that it did n't count as a payment. told them when I coluld pay more, after that I kept receiving phone calls harassing me about the past due payments.i get numerous call every day. they wont even give me someone to talk to to discuss refinancing to make payment smaller. my husband is also XXXX, it is to much to deal with, but we do n't have money for another vehicle, I am so stressed all the time about the bills and possibly losing my car 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I opened several accounts with SunTrust Bank. When I returned back to the XXXX after several years to check on the accounts SunTrust Bank representative donot recognize any of the accounts ( one account was an IRA ). 
I have checked such websites XXXX. These accounts were opened in the late XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a XXXX returning to college. I am waiting to see what my federal loans will be for this semester. My family and I have been harrassed with insessant phone calls by Sallie Mae to begin making monthly payments, starting at {$420.00}. I am employed part-time and can not afford this. When I expressed that I could n't afford monthly payments, they offered defferement for {$100.00}. When the agreed date for the payment passed, they claimed they did not recieve the payment. I now owe {$100.00} plus the $ XXXX monthly payment to be allowed defferment again. I can not afford to pay this. Speaking on the phone again, they threatened to take the loan to their collections agency. They resorted to using scare tactics in telling me they dont know how I 'll get more loans for school once they report me. They expressed they did not care if it threatened my future academic career. They are unwilling to work with me so I can continue my education. The original loan amount from Sallie Mae was XXXX. With interest, it is exceeding XXXX. I need help addressing this debt and with negotiating fair and just payment options with this loan while I have extremely low income. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I want to start building credit and tried checking my info on credit karma, ive put my name down with every address i lived on and it tells me the info i put is false. 

Company response: Company chooses not to provide a public response
Consumer complaint: My Macy 's credit card number was used to make purchases at Macy 's stores in XXXX XXXX while I was in New York. I still have possession of the card, so I assume it was some form of spoofing. I noticed the charges within a few days and notified Macy 's they were not mine. I have filled out a fraud affidavit and returned it. 

I now get several phone calls a day beginning at XXXX XXXX. In general I do n't answer, but when I tried to pick up I discovered the caller hangs up after two rings. I called back the number from the Caller I.D . log and determined it was Macy 's bank. I called Macy 's bank and asked them to stop, but the calls continue. 

There have also been negative reports to various credit bureaus. 

This is Macys bank rather than Macy 's itself. The fraudulent charges have been removed from the record of my actual Macy 's account. 

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