AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have XXXX citibank credit cards. My simplicity account payment due on XXXX/XXXX/2015 was not made. Citi collection has been calling me every single day from XXXX/XXXX/2015 including XXXX XXXX holiday. I asked the representative if they are allowed to call on holidays. He said yes, I informed him on XXXX separate occasions I requested no phones calls, that all communication was to be done via email or USPS for accuracy purposes and due to the fact I care for my XXXX year old Mother who is very fragile with XXXX, XXXX. However, Citi has refused to honor my request. Further, they have lied to me on every phone call about their right to call me and more disturbing in the abusive and argumentative conversation from a CitiBank Representative on the XXXX XXXX phone call which took place at XXXX. I STRONGLY SUGGEST SOMEONE get a copy of that recording. I do not need that type of argumentative conversation to take place in front of family members and my mother. The call was witnessed by at least XXXX people since I had it on " SPEAKER '' I asked each person to write down what they heard so I had some sort of documentation while information was fresh in their minds. I fully intend to file a lawsuit as I do have a law background. I would hope the CFPB follows up in some assertive way as I also run a Political website ( XXXX ) currently under re-construction so can can handle the heavier than expected traffic. However, from the feedback through XXXX I can tell you this is NOT an isolated issue and I can also inform the CFPB at this point most consumers feel the CFPB is more of a " PONY and HORSE '' show. I continue to be hope-full actual progress is made and the CFPB turns out to be what over XXXX XXXX American consumers hope it will. Update, Citi Bank called XXXX today ( Sunday XXXX ) and its not even noon yet ... 

Company response: Company chooses not to provide a public response
Consumer complaint: We sustained loss due to ice storm. Insurance pd {$14000.00} which check we signed and Priority mailed to PennyMac on XXXX XXXX, 2015 yet I had to beg for release of monies. I have spent over {$9000.00} in repairs and have only received from PennyMac {$4800.00} on XX/XX/2015. - I have repeatedly asked for more and sent receipts to loss draft dept. They then demanded an inspection at my added cost of {$40.00}, which was completed on XX/XX/2015 and declared at least 70 % repaired. Yet my requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX plus emails to loss draft have yielded no information on when or how much they will release next. How am I supposed to repair with no money? I paid for insurance and PennyMac is withholding my funds. On XXXX at XXXX pm I received a voice mail from XXXX at PennyMac saying I should receive a check on XXXX XXXX from XXXX. No amount specified. Really! It will probably be only another {$4800.00}. instead of the total. This is totally unacceptable. I have contractors who want XXXX up front and I have no money at all. I want all my funds released so I can finish the repairs. My husband and I are on XXXX and a XXXX. We have not had a kitchen in XXXX weeks and I ca n't pay contractors with no money from bank. There are additional code enforcements required from the Town building dept and I have to pay for those repairs before I can be reinbursed on a supplemental claim from insurance company and I forsee this saga lasting months from now. This is not right. The roof leaks but the roofer wants XXXX of the {$7400.00} to repair up front. This just goes on and on. We applied for a loan to speed up the fix and were denied. I have sent the bank all receipts for our out of pocket over {$9000.00} paid so far, yet they wo n't release our insurance money. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: The company charges an overdraft fee then waits for you direct deposit to post before it pays the merchant. i borrowed money from a lender and once payed back you can borrow XXXX days later. The company " payed '' the lender my account went negative as a result they charged me the insufficient fund fee but XXXX days later i was n't able to borrow again. i had to wait XXXX days after my payroll deposited. They essentially claimed they paid, charged a fee but waited until my direct deposit posted until they payed the merchant, 

Company response: Company chooses not to provide a public response
Consumer complaint: I made XXXX payments to cover my XXXX billing statement though XXXX was meant for the XXXX statement. The XXXX in XXXX where on the XXXX to cover the payment due of {$350.00} originally sent {$350.00} and realized it was not enough & sent an additional {$50.00}. Then in early XXXX while doing my bills I paid {$400.00} on XXXX to cover what I thought would be applied towards the XXXX statement however the XXXX statement did n't close until XXXX so I paid a day early or almost 30 days early since the payment was not due until XXXX. {$800.00} in payments where applied to the XXXX statement making it look like I missed my XXXX payment. Now my XXXX statement is showing late and they are asking for XXXX to bring current plus a {$26.00} late fee and they reduced my XXXX limit as a penalty for paying too early. When I called they said to bad you need to pay attention to your due dates and there is nothing they can do, just plain bad customer service. Today I will make the {$330.00} XXXX payment again to avoid additional late fees and the additional {$250.00} prior to the XXXX due date to bring everything current in their eyes. All I asked them to do was post my {$400.00} XXXX payment towards the XXXX billing statement. I would also add that I have never missed or had a late payment on this account. I will do whatever it takes to pay this debt off ASAP and never deal with them again. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I went to XXXX to apply for a car loan. My credit score had been XXXX last year this time. I have paid all my bills XXXX TIME and Trans union reported my credit score as XXXX to XXXX. and XXXX to XXXX XXXX the same day. When I called Trans Union, the representative indicated that there is a module by which each person gets the score, which seems subjective to me. The representative also indicated that there is a letter score which is accompanied by the number score which I never received ever. I find it very offensive that they would not definativly explain the specifics and were ambiguous in their response. They can be giving erroneous unsubstantiated information and one can not dispute it because the information is coded. Please have Trans Union answer specifically how I can have such varying credit scores on the same day. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2010 I did not have an account with XXXX. I check with XXXX and they informed that there are no outstanding issues or invoices on my account. Based on my credit report, XXXX in XXXX, TX - ( XXXX ) XXXX is the collecting agency. I never had any contact with this collecting agency before. 

Company response: Company chooses not to provide a public response
Consumer complaint: After multiple requests, Paypal has refused to permanently close my account. 
I maintain a {$0.00} balance. I find Paypal 's actions contemptuous and egregious. 

I ask that CFPB forward this case to The GEORGIA 'S DEPARTMENT OF BANKING AND FINANCE to consider imposing sanctions including REVOCATION, WITHDRAWAL, or SUSPENSION of Paypal 's License with GEORGIA 'S DEPARTMENT OF BANKING AND FINANCE. License # XXXX. 


My complaint is as follows : To : XXXX XXXX XXXX XXXX, Operations CounselPayPal, Inc. 
XXXX XXXX XXXX, Nebraska XXXXPhone : XXXXMr. XXXX, I received your response to my CFPB complaint against Paypal. 
In your answer you mentioned that PayPal considers this matter resolved, however an unresolved matter from my complaint remains unanswered. 

The remaining issue is that Paypal decided to NEVER close my account. 
Despite that I have never had a negative balance, Paypal refuses to permanently close my account. I find this egregious and illegal. 

Again, I ask that CFPB forward this case to The GEORGIA 'S DEPARTMENT OF BANKING AND FINANCE to consider imposing sanctions including REVOCATION, WITHDRAWAL, or SUSPENSION of Paypal 's License with GEORGIA 'S DEPARTMENT OF BANKING AND FINANCE. License # XXXX. 

Thank you, 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I called ChexSystems Security Freeze Dept on XXXX/XXXX/15. The CSR told me that she could n't help me because I had lost my PIN. I asked to speak to a supervisor and she told me no one there and would n't be in until Monday. She then hung up on me and so I called back and the same CSR answered the phone. I asked for her name and would n't give it to me. She hung up again and so I called back. this time she picked up the phone and just muted the line. While still on the line, I called from a different phone in the house and the CSR picked up. 

Company response: Company chooses not to provide a public response
Consumer complaint: i have continued to write Jefferson Capital Systems , LLC and XXXX XXXX XXXX, requesting that they verify the alleged debt. As of this date they have continued to contact me at work and home at all times of the night demanding that A paid this debt. I have never had an account with XXXX XXXX. After repeated communication to these agency 's they continue to make threats. I am filing this complaint to request the Consumer Financial Protection help in resolving this matter. I received a phone call from one of XXXX, telling me that they are going to report me to the XXXX XXXX were I am employed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/14 my checking account was in the negative and the bank took it upon itself to transfer funds from my joint checking account into the checking account in the negative. I did n't ask, request or authorize them to do this. Nor, did I sign anything giving them permission to do this action. 

Company response: Company chooses not to provide a public response
Consumer complaint: Between XXXX and XXXX of XXXX while researching investments via the world wide web I came across an advertisement of sweepstakes Income machines that would be placed in " HIGH TRAFFIC '' areas and would produce residual income, this investment vehicle was the " XXXX '' of self made XXXX XXXX XXXX. 


After making contact with their office and talking to XXXX XXXX XXXX and XXXX XXXX XXXX, they eventually convinced me to make the investment of which i was eager to invest in something i believed to be a legitimate business opportunity. On XXXX XXXX, XXXX I deposited {$4900.00} into what i thought was a legitimate bank account at the Bank of America branch in downtown XXXX at XXXX XXXX time, Bank of America is responsible for my fund deposited into their Institution as well as allowing an account to be opened for the purpose of " MONEY LAUNDERING '' in a " PONZI SCHEME ''. 


My Customer receipt Information : XXXX XXXX XXXX/XXXX/XXXX XXXX Entity NIL XXXX XXXX XXXX # XXXX R/T # XXXX $ XXXX FDIC Member XXXX XXXX XXXX XXXX, XXXX i received a congradulatory letter XXXX XXXX and XXXX. informing me also that they had received my investment monies and that my XXXX XXXX Machine will be placed within XXXX days of the letter they sent me. 
XXXX the XXXX, XXXX I received another letter from XXXX XXXX and or XXXX XXXX, XXXX. regarding the delay of placing my XXXX XXXX Machine due to the increase in investors and that due to the delay they would have my placed, up and running with 10 % interest within 45 days from the above mentioned mentioned date. 


After several unsuccessful attempts to contac and or connect with the above mentioned XXXX XXXX, XXXX. employees and XXXX XXXX him self, i began to file complaints with local authorities in an effort to get back my {$49000.00}. 

XXXX XXXX. XXXX i filed a complaint with the Attorney General 's Office # XXXX XXXX, XXXX file a complaint with the Illinois XXXX XXXX XXXX, XXXX at XXXX i contacted Bank of America Corporate office and spoke with XXXX who said that she would communicate my concerns to Chairman and CEO XXXX XXXX whom of which i have n't from as of the date of this complaint. Ref # XXXX. 


XXXX XXXX, his employee 's, agents are responsible to the general public for the safeguard and protection of all financial and or tangible assets deposited into their institutions and are responsible for my {$4900.00} deposited into their downtown XXXX branch on XXXX XXXX, XXXX at XXXX. 


Bank of America and its Directors, CEO, Agents and employees ' are held to the " HIGHEST ESTEEM '' to safeguard the public form " FRAUD '' and " MONEY LAUNDERING '' within their institutions, " THEY HAVE FAILED ''!!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I deposited {$26000.00} into USAA bank ( routing XXXX ) at the end of XXXX. A week later they sent a notification that my money was available. I wrote a {$400.00} check to my local utility company. When my debit arrived, I called to activate it, and was told by the CSR that USAA was declining to do business with me. I 've spoken with XXXX reps, who have rudely told me that my money would be returned to me when their investigation was done. What investigation? I have only been informed via marketing and advertising that my money is safe at USAA and to utilize their bill pay program. I 've been locked out of my account online, and they are n't sending me any XXXX mail informing me that they 've frozen my accounts and wo n't return my money until their investigation is done. 
This is all I have in the world. I live on this money. I have rent to pay, a child to feed, until I find work. Please, please help me. They 've been holding my money almost 30 days, they will not give me written verification that they are investigating me, and they have no reason to investigate me. They have basically stolen my money from me. FYI, they also informed me that I would be receiving a bill from them for overdraft fees or some such. How is that possible off a {$400.00} check written from an account with {$6000.00} in it? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Debtor contacted my sister in another state, Georgia, about my debt. My sister is not a party to any debt that I owed. She has been contacted several times in XXXX via phone. I consider that a violation. In addition, I am contacted incessantly. I am trying to find out if the hospital has requested this. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Dear Sir/MadamOn XX/XX/XXXX very late in the afternoon, I had a conversation with XXXX XXXX, a representative of Wells Fargo. Based on the conversation, she instructed me to submit a letter of employment in Georgia and a letter stated that the house was not rented XX/XX/XXXX/ The last XXXX documents will help my case before HUD for the modification. On XX/XX/XXXX I faxed the statement letter and my attorney sent the letter of Employment on XXXX. The same week, I received a phone called to submit new information. Then I knew the house was in foreclosure and the sale date was XXXX All my paper work was submitted before the sale date. I was in compliance with their demand. and an appeal form to cancel the sale was ignored. 
Since the sale, XXXX XXXX has requested the sale to be rescinded. While in the process, a real estate company came to the house and changed my locks, I have no access to the house right now. This is a wrongful eviction without any notice. All utilities are on, yard and bushes are cut, and the company can not say the house was vacant.. 
This action is the power of a bank which does not have check and balance. It is discrimination without regard to Federal and State Laws, Therefore, Wells Fargo ignored all laws that govern this country while I was waiting for an answer., It has been reported with proof that Wells Fargo foreclosed XXXX properties in Georgia by denying them due process. My case is one of them. I will retain a lawyer to pursue my case. 


Best Regards, XXXX XXXX % XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I was working with XXXX to repair my credit. I got in writing a log note from Allied stating if I came in and signed they would remove from credit. They forced me to sign a confession of judgment to go on a payment plan to repay the amount owed to Allied. Against my better judgment they told me they would not remove from credit unless I complied. I did so by signing the documents. Now, they are refusing to remove from my credit stating it wo n't be removed until it 's paid in full. This was not the agreement. This is causing my score to be in jeopardy through the credit bureaus and it 's causing me to be declined for a home loan. I have all the documents to back up what I am stating. This has been going on for three months now, with no progress. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a paypal smart connect account. I can view all my transactions online and today i was looking at my account and i was missing XXXX dollars so i called the paypal smary connect customer service to see where was my money. So when i reached a coustomer service rep i asked why i was missing XXXX dollars and he told me i made a purchase on XXXX XXXX for XXXX dollars and i told him from where and he said i dont have information to give u and i told him what do u mean u dont and why i cant see it .. And he said i would have to wait 2 to 3 daya to see it in my account and for them to have more information and i told him i never purchased anything for XXXX dollars and i always get an email ... 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My wife filed for bankruptcy years ago.The mortgage company put a lien on our home and she paid it off. The bank sent a letter stating the debt was paid in full but now they will not remove the lien. This has been going on for two years. 

Company response: Company chooses not to provide a public response
Consumer complaint: Someone had stole my checks and used them. This was reported and the person arrested. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of 2009 I called XXXX and placed an order to provide/connect my home with DSL Internet Service. After ten days XXXX send their Tech Rep to my home, but he Could Not connect the DSL Internet, claiming that my home is not equipped with the proper jack and the cost to connect the service would be {$150.00}. I called ATT right away and told them that if they can not provide DSL Internet to my home then I am CANCELLING MY ORDER. They said that I still owe them {$55.00} which is the price/cost of one month of DSL Internet Service. How can I be BILLED for Service which I have NEVER HAD!? Could you please explain to me What I did Wrong in this situation and WHY do I owe {$55.00} to ATT? I would not agree to pay them even {$1.00} and would NEVER again order Any Services from ATT. Please let me know if you have any other questions. Thanks & Regards, XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been having serious problems receiving annual credit report from Experian Credit Agency, XXXX XXXX, XXXX, Texas XXXX through the United States Postal Service. I applied for my credit report numerous times by telephone. I absolutely requested for Experian not to send my file over the internet due to identity theft issues as well as my computer being hacked. I would like to have my Experian Credit File sent immediately by mail only. Due to inaccuracies on my reports. Most importantly due to Experian deleting a good standing trade line that was not due for deletion. The trade line was with XXXX XXXX XXXX XXXX account number XXXX on XXXX XXXX, XXXX the good standing trade line was deleted without a dispute from the consumer through a portal administered by XXXX. The good standing trade line was not due to deletion until XXXX XXXX. This is against my fair credit rights and needs to be thoroughly investigated. I have never been married or jointed my credit file with a spouse. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have written to Statebridge Compnay at least four times pointing out that they are inaccurately reporting late payment and past due information on my credit report. They have not responded or made the necessary changes as required by FCRA. My last letter were dated XXXX XXXX, 2015 which is attached together with a copy of the credit report excerpt showing that they are reporting XXXX pays due on the payment status line and in the 24 month pay history ( XXXX days past due on XXXX. ) Additionally, you can see that they are also reporting different past amounts. This can not be 100 % accurate as required by FCRA.. I do n't understand how they can avoid compliance with the law. I need your help. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wellsfargo financial misapplied my XXXX 2014 payment, per XXXX XXXX, which led the bank to apply a late charge. 

My monthly payment is {$64.00} but because of the one misapplied payment ( I overpay every month ) the bank, per XXXX, was assessing late fees and placing them into my principal balance, which led to strictly late charges causing my delinquency and they continued to assess late charges almost every month there after, all to my balance which would incur interest. 

My understanding is that banks can not charge interest on late fees and late fees can not cause a loan to be delinquent. 

The bank admitted their error but told me before waiving all of the inappropriate late fees ( all late fees ) that I had to pay over {$200.00}, much more than my {$64.00} payment. Had I not been an employee of another financial institution and well aware that they could not make me pay money 's not owed I might have paid to resolve my account, they did insist I pay it to get myself current so they could fix their posting errors and remove the late fees that I have and would be paying. I refused and asked to speak to XXXX 's supervisor, whom I 'm sure was n't there on a Sunday, and cited that how they treated my account, if it was as XXXX described was in direct violation of FDCPA/CFPB regulation and I 'd have to lodge a complaint. She did correct my account supposedly, but I fear for other customers, who knows what they are doing, and honestly I wo n't believe my account is fixed until I see it, particularly all of my overpayments correctly applied. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a debt collector take a judgement out. The debt was paid, and when I first checked it said account closed. I have recently checked and now it shows both debts as open and owed and my credit score has went down. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX placed a negative report on all XXXX reporting agencies. They never contacted me first. 
I spoke to Experian who told me to contact XXXX. I called XXXX XXXX Friday XXXX XXXX 2015 and spoke to XXXX XXXX. He said he would register the complaint. 
XXXX was charged and convicted by CFPB Colorado for same illegal practice in XXXX 2015. 
XXXX XXXX by using XXXX support these illegal activities. I do not have any debt everything is fully paid for. I have never not paid a bill. I have never been late paying a bill. 

Company response: Company chooses not to provide a public response