AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I received an offer from Home Depot for a credit card. I went online and the system froze up and would not let me complete the application. I called the number and was told I would have to submit a new application with another hard credit report inquirery. I told them I did not want that as they had already pulled my credit and it would hurt my score. They refused to continue to process my application or remove the inquirery. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a set of dentures made and they did not fit properly, I returned to the dentist and explained the problem. After several unsucessful attempts to correct the improperly made denture, I was toldthey were unwilling to repair them and the dentist admitted there was a problem but they were unwilling to make any further attempt to correct them and I would have to live with the improperly made denture. I was unable to swallow or eat with them in my mouth. I finally went to a different dentist who told me to NOT wear them because they would cause damage to my mouth because they were not made properly and did not fit in my mouth correctly! I had an unpaid balance and contacted the office and told them I was unwilling to pay anymore for teeth that did not fit. I asked for a full refund of what I had already paid and they refused and sent the bill to collection. I still have the teeth which i am unable to use. I paid almost {$2000.00} for something that was made wrong 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a vehicle that was financed through Nuvell/Ally Financial in XXXX. It was paid off in XXXX. I am trying to get a replacement title because I never received XXXX. The XXXX informed me that there is still a lien on my car and that I need a lien release letter from Ally to get a new title. I have been calling since XXXX ( it is now XXXX/XXXX/XXXX ). They say they have faxed and mailed this letter to me, but I have yet to receive anything. I have spoken to CSR 's and supervisors, with nothing helping. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had several calls to my work number after I have asked them XXXX to stop calling my work as I am not allowed to have private calls on the company phone. I have also told them XXXX times to quit calling my cell phone and have blocked XXXX numbers they call from, and they still keep calling. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Complaint is against Bank of America, where I have checking account and bank debit/credit card. At times when I have MORE than sufficient balance $ $ to cover transaction charges, the Bank indiscriminately triggers a DECLINE to pay transactions. Example : XXXX a purchase at Target, slightly over {$400.00} XXXX there was around XXXX this held in the account ). The card was declined with NO warning, with NO explanation. Also, my daughter 's card was declined. My daughter needed to pay the bill with another business account, in a final ditch effort to end the capricious conflict. This resulted in extreme embarrassment, and measures that were aggravating and time-consuming to clean up the intervening mess ( while preparing a college graduation event with family coming from all over the country ). The bank should have NO indiscriminate right to deny payments to vendors when I have plenty of $ $ in the account to pay the bills. That is MY money, not the bank 's. 
ALSO, Bank of America declines transactions when I am in another state, even though I live in a XXXX area ( XXXX, XXXX, XXXX XXXX and travel between them almost every day! They insist I post a 'travel ' note on the account, which has a temporary time frame. This is nonsense! Are we living in a XXXX XXXX world? The practices of the Bank of America which abuse consumers and prevent them from using their OWN $ $ must be criminal in nature. The XXXX government surely can not condone such practices. Preparing to remove my money and close the account. What 's next? Stuff it in a mattress? STOP these consumer abuses by criminal banks. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, I am a single mother that was hosting a XXXX for my daughter on XXXX/XXXX/2015. It was XXXX. and I left my credit card for authorization with my daughter. After running my card the charge was denied without even the courtesy of a phone call to me. I called tonight to discuss and was told that US Bank has XXXX or so customers, and that they did not have an obligation to call me and that my account was flagged because several merchants I had used had fraud associated with their billing.. they would not give me a list of who I was using as a merchant that had issues, and referred me to a website list I could refer to. 
As a consumer and as a customer of a bank who denied access to my funds, I expect at the very least # 1 a phone call letting me know the issue-since I had no time to rectify and pay for food delivered to a party # 2 a list of the merchants that they flagged, and had an issue, so I could address directly with the merchant. 
They only suggested providing me with a list that I could scan to come up with what may be a match ... ridiculous. I am furious that I was denied access to my own money without any sort of notification, or assistance. 
This is my money and it was extremely embarrassing that I was not able to pay for a party I was hosting, with money I had the ability to pay for the debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: A letter dated XXXX, XXXX XXXX, indicated that our buyer 's loan was denied because our property was deemed unserviceable through a loan backed by XXXX XXXX. The lender stated that based on documents received from the NJ XXXX Zoning Commission, the property could not be rebuilt to its current footprint if substantially destroyed. We suspected an error was made, as our loan on the property is currently serviced by Fannie Mae. 
We therefore consulted with the NJ XXXX Zoning Commission and obtained additional documentation indicating that the under-writer was incorrect ; a use variance granted when the property was originally zoned in 1985 made the issue around rebuilding not applicable to our residence. We received this information in writing from the NJ XXXX Zoning Commission on XXXX XXXX, which the buyer used as a basis for challenging the decline of the loan. 
A week later, we learned that the under-writer was seeking additional information from the Building Department of the XXXX of XXXX to indicate that the property could be rebuilt to its current density if substantially destroyed. Upon our request, the Mayor of XXXX, as well as XXXX XXXX ( Head of the Department ), consulted with the NJ XXXX Zoning Commission, and the Commission wrote an additional letter explicitly stating that the property is under its jurisdiction and that the property can be rebuilt to its current density if completely destroyed. This letter was forwarded to the under-writer on Friday, XXXX XXXX. 
On Monday, XXXX XXXX, we obtained an email from the under-writer, stating that the condo is still " not warrantable ... per the investor guidelines '' and that decision to decline remains. Our complaint is that we provided the exact documentation that the lender sought -- an explicit statement from the zoning authority that the condo could be rebuilt to its current density if substantially destroyed. The underwriter refuses to overturn the decision -- even with this additional documentation and without any explanation as to why the additional information is not satisfactory for the investor. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My mortgage was due on XXXX XXXX with a grace period until XXXX XXXX. Given the frantic preparations trying to get my family to XXXX, I did not have time to pay my bills before I left, but I knew I had the grace period and so was okay. When I got to XXXX I attempted to pay the mortgage via the on line payment system as I do every month. I could not log in, and when I went to reset my password, the password never reset and I was never permitted to log in. It appeared that the password was reset but it never worked. I attempted to locate a number to call to pay by phone, but there was no number to pay by phone calling out of the country. The number that did exist could not be dialed internationally. There was also not a number for me to call from out of the country to speak with a customer service representative. At that point my option was to ( 1 ) mail my payment from XXXX ( 2 ) mail the payment from my bank using on-line bill pay or ( 3 ) do neither and resolve the matter when I returned to the States. I opted to do number XXXX because I knew that if I mailed my payments from bill pay or from XXXX, the payment would arrive AFTER my return to the States when the matter would have already been resolved. Immediately upon returning to the U.S., I called WestStar to inform them of the problem and make my payment. I ALWAYS pay my mortgage on time. WestStar said it was my fault the payment was late and would be charging me a late fee. I protested on the grounds that the problem is their system. If they provide a means for customers to make their payments, those means should work and if they do not work, I should not be penalized. It turns out that a glitch in their website payment system does not allow for the passwords to be reset as they should and the customer service rep had to walk me through a process to make the password reset work. WestStar persists in charging me this late fee, which I do n't feel I should have to pay. 

Company response: Company chooses not to provide a public response
Consumer complaint: Vehicle financed with XXXX # XXXX shows on Report as Voluntary Surrender. Loan was not Mine, but My husbands and is which was traded in and balance Paid in full to XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I refinanced with XXXX after being with loancare for a year. Loancare was supposed to send me a refund escrow check on XX/XX/2015 I received a breakdown letter postmarked on XX/XX/XXXX but no check for XXXX XX/XX/XXXX I receive a letter of payoff but still no check I call and I was told by a customer relations rep that because I am not a customer he does not have to deal with me. This company has the worst service I've ever seen. All complaints about this company are valid. They don't keep track of there checks because it's sent through regular mail.
Company response: Company chooses not to provide a public response
Consumer complaint: I am writing to complain about practices of Bank of America XXXX. I am writing specifically about their policy for interest fees on balances paid in full. We made an error that we fully recognize as our own in shorting a payment by {$260.00} approximately. Upon receipt of the next statement dated XXXX XXXX, 2015 we received, we immediately paid any difference. Additionally we paid our full balance on the XXXX XXXX statement including the interest charge. Upon receipt of our statement dated XXXX XXXX, 2015 we were charged an additional interest amount based upon all of our purchases the previous month XXXX approximately {$4700.00} of purchases were subject to the rate ). Upon calling Bank of America I was told that while no where on the front page of the bill, which contains the summary and any interest charges, that on the back on page XXXX, in small print, it is written that " We will not charge interest on purchases on the next statement if you pay the New Balance Total in full by the due date, and you had paid in full by the previous payment due date. '' I understand that there is a residual interest charge, however, the statement is misleading as it states " Balance '' in the " Account Summary '' section on the XXXX page of the bill and does not specify " Pay Off Balance ''. It is my belief that credit card companies should include the payoff balance at the time of the statement so that customers can avoid large residual interest charges. I am a consumer who has never made this mistake in my 14 years as a customer with this company, and in doing so was charged on the mistake of {$260.00} a total of approximately {$80.00} due to the poor information provided. I made the payment within XXXX day of the closing of the new statement to bring my account to what I thought was in good standing. ( i.e the short payment was XXXX on a due date of XXXX, statement closed XXXX, I realized it on XXXX and made an immediate payment ). This is an abuse of the fine print and of the agreement. It is deceptive as well as probably the reason so many people who are much less educated than I are struggling with so much credit card debt. The company was without my short payment of {$260.00} that would have paid off the balance in full for a total of 4 days and earned {$80.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past the XXXX day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: My paycheck was direct deposited into my account on XXXX/XXXX/15. On the following day, I used Bank of America 's online bill pay service to pay some bills. All of these payments were declined even though the money was processing in the bank. These declines all incurred a {$35.00} charge each including charges from the payees for a declined payment. This should not have occurred because the check was in Bank of America 's possession. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company XXXX XXXX XXXX called and left a automated voicemail on my machine they say someone has filed a complaint against me call to find out who it is. I call they say Bank of America is going to sue me. And I have to pay this debt. I say I have not had a bank of america card in 30 years. They say they will subpeona me and have a nice day. Please look into this. They call from XXXX number XXXX and XXXX both call back numbers left the same reference number. The scary thing is they have my social security number and current employer. You have to do something to stop these crooks. They violated all kinds of FDCPA 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had a Citi credit card since XXXX ( almost XXXX years ). In those XXXX years I have built up my credit history and have maintained a pristine record. I was a consistent user of the Citi credit card for over a decade until their level of service declined, their interest rates went up and I decided to use other cards. I have occasionally still used my Citi card, but not as consistently as before. A few days ago I received a letter from Citi informing me that they were terminating my credit card as well as the credit line associated with it. This damages my credit availability and my credit history ( since this is one of my oldest credit relationships ). I would like to have my credit card reinstated under the old terms ( prior to the unilateral cancellation ). I do not want to have my credit report pulled for the purposes of reinstating my account as this lowers my credit rating/FICO score. 

Company response: Company chooses not to provide a public response
Consumer complaint: Paypal will not release my funds since XXXX/XXXX/15, withholding for 180 days until XXXX/XXXX/15, unlawful violation of " Regulation CC ''. XXXX XXXX, acct # XXXXXXXXXXXX, XXXXXXXXXXXX, XXXXXXXXXXXX. My contact number XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Since XX/XX/XXXX I am trying to fix this account, my id was stolen with XXXX credit card, XXXX credit cards re-open my account with a different account # they used all my credit cards, XXXX, XXXX, home depot, sears, XXXX all my ID was stolen and used my credit cards I emailed many forms to office depot and I reported all the credit frauds to XXXX and credit cards company they still used my credit information as US citizen we deserve better protection I told them to put a fraud alert and to freeze my credit and they still used all my ID they did all the purchase and they even asked for ID when they were using my ID? I have all my statements the last statement dated XXXX XXXX I paid {$190.00} check # XXXX dated XX/XX/XXXX then I found out this was up to XXXX? these are unauthorized charges I called this XXXX I told them about the fraud called back in XX/XX/XXXX I wrote them a letter to get my balance and to report the fraud and never did anything see attached documents please i need help I was going thru a difficult divorce going to counseling taking my son to counseling and then I lost my job of 15 years then going thru a difficult divorce XXXX, I never had time to take care of this issue since I reported the ID stolen to experian and told them to put a fraud and freeze my credit and lost job never thought they were going to use my ID my social and my US citizen papers, I even wrote a letter to a Lady XXXX XXXX and talked to XXXX XXXX I think his last name is I do deserve better consumer protection. I will paid my balance but not for unauthorized charges when I told them to stop my ID my social etc. 

Company response: Company chooses not to provide a public response
Consumer complaint: hardship, lost job applied for unemployment forbearance program, trial for 1 year, applied for permanent, denied XXXX, not enough income, making more then before.Said they could keep payments like in forbearance, half of my payment. ( XXXX. ) Paid XXXX in trial.Now want to do a short sale or deed in lieu.This is a scam, NO One has gotten these programs to help keep homes. Cause, I should have been approved to keep my home, never late, until hardship, never late on trial.Asked for information on how many people have ever gotten a modification. None. They offer to help, you go in program and then take your house.I want something done. This is fraud, they offer a service and do not follow though with it. False hope for home owners.Its a scam. No one gets programs.I have asked for information.Nothing, no one. 

Company response: Company chooses not to provide a public response
Consumer complaint: I ordered grass sod at XXXX but I have called to customer service and canceled it. a couple of days later, they charged me so that I called to complain and request for getting a refund on first week of XXXX. but they said grass sod already shipped out so they could not refund. I never got sod since i called and canceled on end of XXXX, also I called to customer service many time but always I had a same answer. 

Company response: Company chooses not to provide a public response
Consumer complaint: Requested the following account ( XXXX XXXX XXXX XXXX ) be deleted from my credit report, and the Credit Reporting Agency has refused. XXXX XXXX XXXX has refused to verify this debt in writing as per FDCPA, despite my numerous written requests. I am attaching several copies of Certified Return Receipts sent to XXXX XXXX XXXX and XXXX XXXX XXXX ( acting on XXXX behalf ). 

Company response: Company chooses not to provide a public response
Consumer complaint: I receive phone calls at least XXXX times a day, everyday, while I am at work, for a collection agency for a debt that is not mine from phone number XXXX. The phone calls are automated and I have tried multiple times to remove my phone number from contact, again, from an automated system XXXX. I have tried contacting a live representative at XXXX, but I am always put on hold and then the call is dropped, everytime. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: This company do have Surety Bond with Texas Debt Collection Practices Act, Sec 392.102 

Company response: Company chooses not to provide a public response
Consumer complaint: I was contacted by XXXX XXXX regarding a debt. I asked question and he used an abusive and threatening tone. He continued to talk over me when I was asking questions. I then spoke with his supervisor regarding the call. XXXX XXXX was the supervisor I spoke with and he said that there was nothing to discuss and that they have removed me from the system. I do not need the torment and harassment methods that these individuals used to carry out there daily business. please help it is just plane wrong. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX of this year, I was informed by the Bank of America that it was terminating my checking and savings accounts I had held with the Bank for about 5 years. I filed a complaint with the CFPB at the time, alleging that they were using a fraudulent method, the FIS Qualifile deposit account system marketed XXXX to determine who among their deposit account holders was likely to default on their accounts, and that I was being unfairly targeted in their use of that system. Nevertheless, in spite of my vociferous demands to see my Qualifile score and the other material BOA used to determine that I was not a good credit risk -- or, stated alternatively, that I was more likely than average to default on my savings and checking accounts -- BOA closed my accounts on XXXX XXXX. I have since received XXXX checks from them for the small amounts of money I had left in these accounts. 

However, there is a much larger check that I have not received from BOA, in the amount of approximately {$800.00}, that is the balance in a savings program in which I enrolled during 2011 that BOA calls " Keep the Change ''. Like automatic savings programs at other banks, " Keep the Change '' rounds up the dollar value of transactions and places these small amounts -- XXXX cents here, XXXX cents there, XXXX cents, etc., and so on -- in a non-interest bearing " Keep the Change '' account. 

By the time the Bank decided to close my accounts, I had accumulated {$800.00} cents in that special savings account. Let me make it plain that this was MY money, deducted from my checking account over a period of XXXX years by the Bank, but I have yet to receive a check for that amount, and it seems that my wait may be in vain. The person at the Bank, XXXX XXXX XXXX ( reachable at XXXX, ext. XXXX ), who was in charge of terminating my accounts, denies any knowledge of this account or this program, and refuses to acknowledge that I am owed this money. 

Plain and simple, I want my money back. Who knows how many accounts are being closed using the Qualifile credit scoring system, and " Keep the Change '' accounts being seized along with those closures? I think there is something brewing that constitutes another fraudulent and illegal pattern of behavior by a big bank. Please help me get my money back, and the money of others who are being ensnared in these little schemes. Thank you. 

Company response: Company chooses not to provide a public response