AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX XXXX, XXXX Dear Sir or Madam : I would like to request a credit for interest charge of {$300.00} related to a transaction from XXXX/XXXX/XXXX a purchase of a television from Best Buy for {$700.00}. The terms of the line of credit was 24 monts no interest as long as the {$700.00} was paid in full by XXXX/XXXX/XXXX. By my records I made the necessary payments in order to pay for the television in full by XXXX XXXX, however when I saw my XXXX statement I saw the television had a remaining balance of {$18.00}. I had a perfect payment history because I always came into the store on or before the due date to make my payment. I was n't going to be back in town before my XXXX XXXX due date so I made that payment online. Unfortunately I was informed via email in XXXX that my payment did n't go through. At that time I also discovered that {$300.00} of interest had also been applied to my account. I informed the representative that I made the payment online he informed me that occasionally customers have issues with online transactions apologized credited the late charge and I made my payment. When I asked could he credit the interest charge he informed it was past the required time when I could request a credit. This troubled me because as soon as I received an email notification that my account was delinquent I made a effort to correct it, in fact I used my card after I attempted to make the online payment in the store an no one even informed me my payment was never received. Once again I would like to request a credit of the {$300.00} I consider my self a loyal customer of Citi and Best Buy anything that can be done would be greatly appreciated. Thanks in advance. 

Company response: Company chooses not to provide a public response
Consumer complaint: Have tried several times to get my credit report to dispute inaccurate information but company refuses to provide online access. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank is reordering transactions to cause overdrafts and not processing deposits before withdraws. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: A few months ago, I took advantage of a 0 % for 18 months balance transfer offer from Bank of America ( BOA ) with a initial one-time balance transfer fee. I already had a roll-over balance ( for purchases ) on the card. I 've been paying well over the minimum payments monthly and my interest charges on the roll-over balance have not decreased. I called BOA to inquiry about why my interest charges were not decreasing and they informed me that all my payments were being applied to the balance transfer and not the roll-over balance. I thought I was paying toward the roll-over balance. This does not make sense because I performed the balance transfer so I would not have to pay off that balance for a period of time ( interest fee ). I asked if this could be adjusted and they responded " no. '' I would have to pay the entire roll-over balance in full and eliminate interest. I do n't think this is reasonable. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was issued XXXX Balance checks from US Bank Platinum for balance transfers for 18 months. I was late with a previous payment and I called and got it resolved with the company. I was assured that it was taken care of and my interest rate was still XXXX. She offered to transfer my additional balances with the XXXX interest rate for 18 months.. They sent the next bill charging interest saying my account was delinquent. I called the day the bill arrived on XX/XX/2015 and the woman said she would not remove the interest rate increase. I closed my account. This company lied to me and tricked me into transferring my balances to a high interest rate. 

Company response: Company chooses not to provide a public response
Consumer complaint: I do n't see the logic behind a credit freeze being offered free of charge with a valid police report but forcing the ID theft victim to mail all the sensitive information. This is punishing ID theft victims instead of those who choose to file the freeze online for {$10.00} with each bureau. 

The credit bureaus seem to be coercing individuals to pay the {$10.00}. Being the victim of a recent identity theft, I feel uncomfortable mailing all sensitive information such as the requested copy of a drivers license and full SSN to have my credit frozen free of charge. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Dear XXXX : :This is another complaint of false billings created after an auto rental last XXXX rental without my approval, by XXXX XXXX XXXX i 'm responding to several '' XXXX citizens '', who have commented to me after XXXX XXXX Pa.refused to deny this billing, and charge against my account, and have not sent me their detailed list of charges that go with every rental that all rental car compan'y detail with at least XXXX number more than, " {$25.00} that, '' the number {$2500.00} '' is not possible for an auto a rental since this number does not have any other single number after the " XXXX '', XXXX. {$25000.00} ''. every rental has more than XXXX or more additional fees in addition to the rental to add to the final rental '' they add : " there 's no ways that this rental that XXXX Bank allowed to be taken off your debit card/checking account '' that does not have XXXX single other number. especially since they assert the 45 day rental. now that i think about it.they are correct in thier logical conclusion that XXXX Bank did not realize, or notice as impossible. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Syncb/Care Credit, I have tried 3 times to fix this on my credit report. I have never received confirmations of this debt. I was told it was transferred and or sold to another debt collector. I was told to call other phone numbers that I cant leave messages at or talk to representatives about. Nowthey have submitted a Charge-off as bad debt comment in my credit reports. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The company calling me is ERC, their phone # XXXX. They say the account is XXXX. It is a recording and they call three times a week. I have lived at the same address for 40 years and no one as every come forward, saying I owe them money. I pay all my bills off and do not owe anyone. Why have they not sent me a notice on what I owe and to whom? All I get is a recorded message. We are tried of all the phone calls ... ..Please help us ... 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was fully expecting to submit a dispute that was due today, XXXX XXXX, 2016, but my case has been closed in advance of the deadline! 

I am going to try to submit it here and call tomorrow morning to find out why my case was closed in advance of the deadline. 

XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX my husband and I purchased a mobile home and green tree is our financor. Our payments were prigamally XXXX a month. They have now I creased to XXXX. A month. Our home was only for XXXX XXXX. We ha e been paying for 15 years. Something is n't right. We are getting threats to vacate our home. Calls 7 times a day. It has effected my job, and my health. Something about this does n't seem right this home should have been paid off in XXXX. Please help! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I submitted a bill pay on Navy Federal were they mail the updated the account for with confirmation number and paid XXXX call me stating that did not pay the check then I did the up the system that it was paid and did not pay it. Did they update their banking system with fraud and misleading information and then want to hold the member responsible for the misconduct Navy Federal Credit Union need to be investigated and all misconduct and management done staff or management should be convict according to United States Federal Regulations 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: This my second complaint against Professional Placement Service in the last 14 days. The debt for {$670.00} owed to XXXX XXXX XXXX XXXX do not belong to me. This debt is the result of identity theft. I am a victim of identity theft. I have never opened an account with XXXX XXXX XXXX. This debt is currently on my XXXX, XXXX and XXXX credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I do not agree with the XXXX. Review the attached documents very carefully please. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I wish to make a formal compliant against this finance company that I previously got a loan for XXXX years ago. I requested that the company come and get the automobile because, it was not worth the amount of money that I was paying and that the repairs were more than the car itself. this company refused to come pick up the car for several of months while I was still making payments on the car. I found out that this company has gone out of business, and then the car was sold at an auction for less than what was paid on it. I have contacted the credit Bureaus in reference to this being taken off my credit report because they are reporting this as a repossession. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: After a short sale on our home, a XXXX XXXX home equity loan was not forgiven. Though I tried to settle, I never received a response from XXXX XXXX. A couple of months ago, I called XXXX XXXX and was casually informed that XXXX XXXX decided to mark the loan settled in full and the balance owed is {$0.00}. However, they could not send me anything in writing confirming same. In addition, although the item is now reported as " closed '' on XXXX and XXXX, on my experian credit report it remains open, as if there is an open balance. I asked wells to fix it and they have not. I disputed the item with experian, and after an investigation was performed, the item was not changed, and remains as an open balance. This item on my experian credit report is not allowing me to get approved for a mortgage. I feel I have done all I can, but am hitting road blocks in every direction. I feel XXXX XXXX should have correctly reported this home equity line of credit as closed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was previously insured with XXXX XXXX XXXX. Due to unsatisfactory service with XXXX XXXX XXXX I cancelled my auto insurance coverage with XXXX XXXX XXXX in XXXX 2016. I am now receiving a bill from Credit Collection Services for {$27.00}. This is the first I have heard about any past due amount. Plus when I cancelled my policy with XXXX XXXX XXXX, my account was current. This is a debt I do not owe. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: SLS will not provide me with online statements so that I can see where the numerous fees they attached to my mortgage payment are being applied. Initially they stated it was because my mortgage was behind ; however I have since caught it up. They continue to increase my monthly payment and with me not having access to documents online I feel I am being taken advantage of currently. Not to mention how many late fees they were able to charge me for months. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was double billed for a TV I purchased on-line from Walmart. The original item was a XXXX In XXXX TV, which was the wrong size, since I ordered a XXXX in XXXX TV. As the XXXX person delivered the wrong item, I immediately gave it back to return to Walmart. On XXXX XXXX, 2016, XXXX of Walmart told me they are issuing a credit for {$400.00} to my account. She gave me a Reference # XXXX for this credit and went on to tell me that the credit for {$400.00} would be applied and would show up on my next month 's Walmart. They did not do as they promised. I followed up with Walmart on XXXX XXXX, 2016 and they gave me a different story. This time they told me it would take 30-60 days to resolve this dispute. As of XXXX XXXX, 2016, I 'm still fighting with Walmart to remove the {$400.00} charge from my account. Simply put, they billed me twice for the same item. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: i received a collection notice from first national collection bureau inc and it is not my debt. 
1 it is not my debt i would like for FNCB to provide proof that it is my debt and Such as original document with my signature and or proof of any payments i made on this account such as voided check. 
2. this debt is FNCB claiming i owe is from 2007 and it is well out side of Fair Credit Reporting Act. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This complaint is similar to the one I filed on XXXX XXXX regarding XXXX. I have since been advised that I should have simultaneously submitted the same against Experian and XXXX. I have submitted my complaints to them by combination of telephone, mail and fax but have received no response of receipt. 
The Experian Report No. is XXXX My Complaint : My credit reports list XXXX with " {$20000.00} past due as of XXXX XXXX XXXX ". This is termed a " serious delinquency '' and implies the loan is open and with payments overdue. It is seriously hurting my credit rating and ability to refinance. ln fact, I have no obligation to XXXX since XXXX lnXXXX, XXXX accepted documentation of that and granted me a jumbo ARM loan. Now l would like to refinance with a Fixed Rate loan but the credit reports by Experian, XXXX, and XXXX are blocking this effort. The fact are as follows : In XXXX, I co-signed the XXXX loan for my sister, XXXX XXXX in XXXX XXXX XXXX, Minnesota. ln the recession, her pay was reduced. XXXX staff advised that we could restructure the loan slightly so she could make payments. I helped her with several payments as we waited for XXXX to work with us. Rather suddenly, XXXX announced that it was foreclosing. Our case was not isolated. XXXX was found to have wrongly written and made loans, wrongly managed them, and wrongly reported on them by several States Attorney Generals, and in a US District Court. My sister received compensation from XXXX following the state and federal litigation. The total compensation was the equivalent of a few loan payments and trivial compared to losing home by my sister and harm to credit for both of us. She seeks no further compensation and her credit has been largely restored in the past two years. 
However, my credit rating is seriously harmed and I can not qualify for the Fixed Rate Loan I would like to replace my ARM. My preferred potential lender states that even though all of my bills are regularly paid including past and present mortgages, they rely on the credit report ratings which will continue to be hurt by this erroneous report, apparently by XXXX as another example of its sloppy reporting finding of the Federal Court. I need my credit reports clear of this approximately 6 year old charge of a serious delinquency on an outstanding loan. Please help. Thank you 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I overpaid the FHA MIP, and I am having a hard time getting the amount of money I overpaid refunded to me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/XXXX I received XXXX debt collection letters from ERC regarding XXXX debts to XXXX XXXX, XXXX. XXXX in the amount of {$990.00} and XXXX in the amount of {$760.00}. I received another collection letter from ERC on the XXXX/XXXX/XXXX for another debt in the amount of {$260.00}. I do not owe these debts. 

I have already sent, submitted a proof of ID to XXXX last year regarding another debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been attempting to get a loan modification and I have been unsuccessful with my mortgage company. They refuse to assist me with a modification. 

Company response: Company chooses not to provide a public response
Consumer complaint: My concern is regarding the continous charge off accounts that continually show up on my consumer report with Chex Systems. I have forwarded a FTC Affidavit to them regarding removing the reported items. An item from XXXX XXXX XXXX XXXX and an item from XXXX XXXX XXXX XXXX. I called and spoke to a representative yesterday and they told me that they are n't going to remove the disputed ID fraud items at all. And stated that he can send me an updated report. I have furnished Chexsystems with an FTC Affidavit and the XXXX entries need to be removed within 4 business days 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The flight attendants on several of my XXXX XXXX flights got on the intercom and advertised that I would get a free ticket and extra miles for signing up for the XXXX XXXX / Bank of America credit card if I submitted my application while I was on the flight. I filled out the application and handed it to the flight attendant. The credit card I received in the mail was different than the XXXX advertised. What they did n't tell you on the flight is that they have XXXX classes of credit cards, and only XXXX of them has the benefits they advertise. I got the one without the free ticket. I also never got the extra miles that were promised for signing up on the spot. Once I realized I 'd just experienced a classic bait and switch, I refused to activate the card. I also called and cancelled the account. The customer service rep. told me that the annual fee would be waived. A couple weeks later, I received a bill for {$50.00} for the fee that had allegedly been waived. All in, it took three calls to customer service for the account to be closed and the fee to be waived. I love Alaska XXXX. It 's unfortunate they are pitching awesome benefits with no qualification and then delivering something else. The last customer service rep. mentioned that he had heard this complaint XXXX times. At best this appears to be ignorant flight attendants, but it feels much more like deceit. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Wrong amount has been posted on their notice of letter stating that I will be responsible for the items I 'm not familiar with. Though, I sent out a letter to resolve this credit since It is hard for to pursuit the identity theft and most of collection agency disregards this and keep posting this charge under my credit line and what 's even worse than this is they are trying to charge me even more to settle this debit 

Company response: Company chooses not to provide a public response
Consumer complaint: This company Clear Path Lending, has sent me mailings that have logo and seals of the Department of Veteran Affairs, when I called they told me they were the VA! I 'm not the only person they have done this to based on looking them up. They have been sued for fraud in civil court which could be found online. Also there is a genetleman that owns the company that they try to hide his same is XXXX XXXX, he is also the same guy the does be XXXX XXXX in a company called XXXX and XXXX and XXXX XXXX. This guy changed his name to XXXX XXXX in the XXXX. They are pretending to be the veterans administration! 


ClearPath Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: The following is inaccurate and a result of ID Theft and must be blocked under FCRA Section 605b. 
1. XXXX XXXX ( Credit Inquiry ) 2. XXXX ( Credit Inquiry ) 3. XXXX ( Credit Inquiry ) 4. XXXX XXXX ( Credit Inquiry ) 5. XXXX XXXX ( Credit Inquiry ) 6. XXXX XXXX ( Credit Inquiry ) 7. XXXX ( Credit Inquiry ) 8. XXXX XXXX ( Credit Inquiry ) 9. XXXX ( Credit Inquriy ) 10. XXXX ( Credit Inquriy ) 11. XXXX XXXX XXXX XXXX ( Credit Inquriy ) 12. XXXX XXXX ( Credit Inquriy ) 13. XXXX XXXX ( Credit Inquriy ) 14. XXXX 15. XXXX Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Several years ago I started receiving notices from a debt collector for a {$9.00} charge to XXXX XXXX XXXX. I had never received a bill from XXXX XXXX XXXX for this amount. My first step, as is typical when the first notice I receive that I owe any amounts is from a debt collector, was to send a letter to the debt collector asking for proof that I owe the money. I indicated, as is true, that I was happy to pay the {$9.00} provided they could prove that I actually owed the debt. I also explained that this was the first notice I had received that I owned XXXX XXXX XXXX {$9.00}. 
Apparently this is for long distance service, which I have no recollection of ever having long distance with XXXX XXXX XXXX and, since I have had a cell phone for more than 15 years, it has been at least that long since I have needed long distance service. 
I received no response from that debt collector but in a few months I got another letter from a different debt collector for the same amounts. I did the same thing with this debt collector that I did with the first and sent a letter asking for proof, committing to pay the {$9.00} provided it was actually my debt and they could satisfactorily prove it was mine. That debt collector sent a response that only indicated that the amount I owed was some much larger amount. No copy of a statement from XXXX XXXX XXXX, no XXXX XXXX XXXX ledger indicating a total amount owed and a payment made that was {$9.00} short, nothing. 
After that I heard nothing for a long time. But now, I have recently gotten a bill from XXXX debt collector. Additionally, I have noticed on my credit report that they have reported to credit bureaus that I am behind on a payment. 
Apparently I am going to have to get the CFPB involved to get this resolved. I reiterate, I am happy to pay the {$9.00} if they can prove that I owe it. I wo n't pay any other fees since no one ever bothered to provide me with a bill that shows I actually owe the money. I also want my credit report cleaned up. I never neglected this payment or any request for payment. XXXX XXXX XXXX neglected to bill me for it and XXXX different debt collectors neglected to respond to my request for proof. That does n't make me behind in my payments. Please help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My name is XXXX XXXX. 

There is a person I am not AWARE of on my account, XXXX XXXX. 

Company response: Company chooses not to provide a public response