AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX XXXX, 2015 I had an appointment at the Bank of AMERICA ( BOA ) to acquire about Loan to purchase a new car since I am living in Texas unable to maintain my Medical appointment at the XXXX XXXX XXXX, Texas or visiting other Physician at XXXX clinic. including shopping for food. Going to Church I have found out that XXXX has denied my credit based on Information according to XXXX.. Saturday XXXX XXXX, 2015 I went to XXXX XXXX to purchase a XXXX XXXX I found out the same issue regarding XXXX and XXXX keeping record on me. A company that beneficial from the TARP money and was prosecuted by the USDOJ for Discrimination against minorities for loaning at a higher rate.gestapo keeping record for the next train to XXXX in XXXX WHEN ITS COME TO MINORITIES. 

Company response: Company chooses not to provide a public response
Consumer complaint: Collector CMRE Financial Services and XXXX XXXX XXXX. Their practices of harassment and are met with antagonistic and unlawful procedures! Do n't go to XXXX XXXX Hospital as their billing practices are harassment and borderline unlawful. I went in for a covered procedure surgery with prior authorization. Even with Medi-CAL coverage they will pressure you to pay all before leaving. I have received a collection notice and called them and said I just spoke to Medi-CAL and they are processing the bill, and here is their contact information. Besides being met with an antagonist harassing person ( she said her name was XXXX ), she asked if the number I was calling from was my cell phone. Fearing a trick to acknowledge my number, I hesitated, but remembered I 'm on the " Do Not Call '' list and they cant call for collections as I have only a certain amount of minutes. She said she could n't go any further without my answer, and since I wanted them notified of the bill being processed, I confirmed. She then asked me if it was ok to call this number for collections. I said, ABSOLUTELY NOT! Within 1/2 hour of hanging up I 've been receiving multiple collection calls on this account! Sometimes using a different name ironically. Up to this point I have n't received XXXX call from any collection services. Ironic? .. or do they pass the number along so they can skirt the law. Besides the terrible billing practices of XXXX XXXX HOSPITAL, I would n't recommend ANYONE going there. This is an obvious collection svc for the XXXX department. The bill is not unpaid, as the billing is still going through Medi-CAL but that does n't stop the harassment by both XXXX XXXX Hospital and CMRE Financial Svc 's and XXXX XXXX XXXX! 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an account on my credit report that is not mine. My name is XXXX XXXX, XXXX ; my father 's name is XXXX XXXX. My birthdate is XXXX XXXX, XXXX ; my father 's birthdate is XXXX XXXX, XXXX. My address is XXXX XXXX XXXX ; my father 's address is XXXX XXXX XXXX. Our records are constantly getting confused. I have helped with making payments on this property, but it is not and has never been mine. My only mortgage since XXXX has been with XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear Sir or Madam, In early XXXX this year, I applied for the US Bank XXXX XXXX credit card. I thought that the package offered by this credit card was attractive and decided that it was worth both a hard credit pull on my credit history and the {$75.00} annual fee that comes with the XXXX XXXX XXXX XXXX XXXX XXXX Card. 

Fast forward two months, the main perk of this card is cancelled : " Enjoy Bonus Award Nights when you redeem your Gold Points for Award Stays ''. I recently tried to book an award using the " Bonus Award Night '' which enabled me to have a second night for free on a two-night-or-longer stay and indeed realized it was no longer offered. This was a tremendous option as I could get up to XXXX nights per year free at more than XXXX XXXX XXXX hotels worldwide. Upon investigation, I see that it was discontinued in early XXXX. This is a mere two months after I applied for the credit card. I thought regulations prevented credit card companies from unilaterally changing the terms of the contract during the first year the account is opened. 

In any case, when I applied for the card, it was stated unequivocally that I would " enjoy all this after paying {$75.00} annual fee ''. I lived up to my part of the contract and paid the fees. However, I never received the benefit because US Bank decided to cancel those. 
As a result, I am writing to get compensation for this. I suffered a hard credit pull that will stay with my credit history for two years. I paid the annual fee that promised bonus night. But I will never be able to enjoy what I paid for. 

In addition, US Bank changed the term of the contract a mere eight weeks after I applied, implying that they knew about the impending change long before I applied but were still happy to collect the annual fee money without telling prospective customer. I think this behavior is unethical. 

My regards, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX, 2015 credit report indicated XXXX medical collections, XXXX for {$1700.00} and XXXX for {$410.00}. XXXX XXXX credit report shows a removal of the {$410.00} collection and the addition of a {$770.00} collection placed by the same company as the original {$410.00} collection. No changes in XXXX XXXX report. XXXX XXXX report shows the addition of XXXX new medical collections each for {$410.00} from a new collection company. The XXXX new collections appear identical. My concern is why there has been any changes to the collection record since the XXXX XXXX, 2015 credit report. At minimum XXXX of the {$410.00} collections is a duplicate and the {$770.00} collection should not exist. The only collection whose validity is undisputed is the {$1700.00}. I am unaware why the others are there and trans union is the only reporting agency that shows any collections besides the {$1700.00}. Please help. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am being reported as 30 days past due by Ally Financial for XXXX incorrect months to all three of the major credit bureaus. I was told by Ally Financial that I fell behind 30 days past due for the month of XXXX but it is currently being reported for the month of XXXX and XXXX. I have been contacting them since XXXX in regards to the mistake and they have failed to fix this as it still shows the incorrect months. I disputed the information with them again on XXXX XXXX and it is now XXXX XXXX, 2015 and they just keep telling me they are working on it. According to the ( Fair Credit Reporting Act ) a company has 30 days to respond to a dispute and they have still failed to do so. I was never 30 days past due as my account was refinanced with them and all months were rolled over to the new contract. They are taking their time to correct the error and has not did anything to fix the issue and only makes excuses to buy more time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am getting repeated calls ( XXXX a day ) from Citi Bank over a credit card debt I owe that I am unable to pay at the moment. I have told them to take me off of the calling list and do not call anymore, but they continue to do so. 

Company response: Company chooses not to provide a public response
Consumer complaint: We had our house for sale for almost 2 years. Starting at {$500000.00} lowered it many times finally got an offer for {$39000.00} cash. Which our Realtor talked us out of taking. We finally ran out of money and put it up for a short sale. B of A was our lender so we figured we could get {$10000.00} in relocation money. Well into the process they say well we sold your loan to XXXX without your knowledge and they have their own program for {$3000.00} we complained were told nothing we could do about it. The loan was to close on the XXXX of XXXX this month. We looked and looked for a place to rent finally found XXXX and gave XXXX and XXXX months rent for {$3100.00} all the money we have. Contract move in date the XXXX. Now today we are told it may not close on the XXXX and they may need an extension. From what they are saying we would have to stay in the house until the end to receive the money. If that happens we forfeit the money we put down {$3100.00} and have no place to live/Question how can they sell my loan without my knowledge and cost me {$7000.00} which as I understand is n't even their money and have their own little program and how can they make me stay longer to get the {$3000.00} with little or no notice. The world just does n't work that way. We are desperate looking at no money and being homeless. As a note I retired in XX/XX/XXXX with {$XXXX} a house with equity of {$XXXX} inherited {$XXXX} and in XX/XX/XXXX and again in XX/XX/XXXX lost everything I spent my life saving. I am XXXX years old in good health applied to many many jobs and the moment they see my age no call back. Is there any help out there or do we just go homeless. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased renters insurance from XXXX, policy # XXXX earlier this year. I could not afford to make the monthly payments and allowed the policy to lapse. I just received a notice today from Credit Collection Services ( XXXX ) XXXX file # XXXX XXXX XXXX stating that I owed a payment of {$29.00} for XXXX. I asked why I received this and was told I was covered up until that time even though I have not made a payment in months. I pulled out my policy, contacted XXXX ( XXXX ) XXXX asked if they could direct me to where it states if I discontinue payments they could expect payment and/or collections for non payment. I was told it is not in their policy. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: : THE INVESTIGATION HAS BEEN OVER 30DAYS. NO REPLY THEY MUS BE DELTED. 
. 
. inquiries unauthorized XXXX, XXXX XXXX AND XXXX XXXXMus be deleted no validation from the companies or from the Credit union. 

Company response: Company chooses not to provide a public response
Consumer complaint: Ally Bank refused to transfer a matured CD IRA account by trustee to trustee transfer as I requested well in advance. They failed to disclose a signature guarantee requirement. They made me take it as a distribution causing needless delay, loss of interest income and red tape in my doing a rollover. They benefited by the delay in having the money for an additional number of weeks. They admitted being arbitrary and unnecessary in requiring a signature guarantee when they already had a signature agreement on file. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have placed a security freeze on my credit record with all XXXX credit reporting agencies so that I can avoid identity theft. I needed to lift the freeze with Transunion so that I could get internet service. Despite the fact that I provided Social Security Number, Birthdate and PIN number, Transunion would not lift the freeze because they claimed I had not changed my address in their records when I recently moved. However, on their own web site my account showed the correct address. They then required me to answer security questions and refused to serve me because I could not remember the credit limit on an unnamed charge card issued XX/XX/XXXX. They then required me to fax and mail copies of my drivers license, social security card, and a utility bill, but still did not fix my address in their records or lift the freeze. Finally after numerous calls and hours on the phone someone agreed to lift the freeze and i had to give a charge card number for a {$10.00} fee. Several days later I had to call back to get the " lift '' cancelled and the security freeze reinstated. They put me through all the same obstacles again. I had learned the credit limit on the XX/XX/XXXX bank card and gave it, and then they demanded the credit limit on an unnamed store card issued XX/XX/XXXX. I could not answer that question. Could anyone? I just kept repeating that I wanted the security freeze put back on my account and the lift cancelled. Finally they did as I asked. All these calls were handled by people speaking heavily accented and virtually unintelligible XXXX who rarely understood what I was saying and were clearly reading from scripts. I am sure this happens because Transunion wants people to give up in despair and order their so-called identity protection service which costs more that the leading service. They do not want people exercising their right to place security freezes and they make it as difficult as possible. This is not fair. This company should be punished. 

Company response: Company chooses not to provide a public response
Consumer complaint: SPS, Select Portfolio Servicing , INC, a mortgage servicer, servicing loans in California is refusing to comply with HAMP modification guidelines. They have received a complete modification package on this file several times. They assure a response within 30 days. Thay have NEVER responded in writing as to a resolution to the file. They ask that we start all over because they did NOT review the file in a timely manner. I have submitted FOUR separate COMPLETE applications, and not once have they approved or denied in writing .... 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In 2014, my business, as I am XXXX, had a downturn in gross income. The decline in income was temporary as my business is strong, but I lost personal income and fell behind in my mortgage for three months. I explained the circumstances, and asked my bank BB & T to help me with a deferment and modification as my interest rate is 5.75 %. As I am XXXX, my income was not high enough, to refinance, get a deferment, get a modification, and they suggested I sell my home. If I had not come up with the money that was owed, and the late payments that accrued, I would have lost my house. I am in the XXXX, and I can tell you, they were quick to turn on me, and begin foreclosure proceedings. BB & T fraudulently appraised my house {$200000.00} less than it is worth. I was surprised at the quickness that their resolution to me was to sell the house in a short sale. My house is worth, {$580000.00} they said it was worth {$380000.00}. As i look through title work daily, XXXX, I wonder how many people, who were unable to understand the process, and do not have the means to fight the banks, have lost their homes. I see foreclosures daily in my work, and hope that I may avoid this same scenario in the future by being proactive and speaking out about the banks unfair practices, especially toward the self employed. BB & T bank, if they would have just refinanced my rate, would have allowed me to save monthly. The bank, if they would have put the money I was late on, at the back end of my loan, modified the loan, I would have benefited. But they were not interested in helping me. BB & T would rather own my property like the many bank owned real estate inventories rising in America by pushing the little guy aside, throwing us all out on the street, and out of our homes. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of 2011, my daughter was in a car accident. The car which was registered in my name was towed to a local yard at the request of the police. I went to the yard ( XXXX XXXX ) and signed the ownership of the vehicle so they could sell the car. I was told that that would satisfy the cost of towing and storing the Car. 

I recently realized that after selling the car, XXXX XXXX also submitted a Claim to Credit Bureau Associated for Collection. The Claim is for {$2600.00}. I contacted CBA collection who stated that CBA only sold the car for {$70.00} and they want the difference. I told CBA that is ridiculous, that the hubcaps were worth {$70.00}. CBA stated that XXXX sells all of their vehicles for {$70.00}. 

So then it is clear. This is a scam. I sign over the car and they sale it claiming they only received a nominal amount for the car ( {$70.00} ). They keep the cash tax-free, then sale the account to a Collections to get more money. I told CBA that I want a copy of my file including a bill of sale showing who they sold the car, what date, what amount as well as all other documentation. 

They have not sent me this information. 

I contacted XXXX XXXX to remove this fraudulent collection and they refused. Please help with this matter. 

Credit Bureau AssociatesXXXX, CA XXXX TowingXXXX, XXXX, XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Transunion conducted investigations on unauthorized accounts and inquiries for many years since XX/XX/XXXX and still have not removed negatives. 
XXXX XXXX XXXX XXXX collections and other collection was deleted and it was put back on my credit report again XX/XX/XXXX. 
They always implement a verified and no change.Why? 
Is because Transunion allows the companies to do whatever they want on consumers credit report. 
Transunion has partnership relationship with companies.banks.and this XXXX dollars companies dictates the consumers credit to keep them in poverty. 
Federal Government respectfully needs to mandate stricter Federal laws that credit reporting agencies can not have no business partnership relationship with companies. 

Company response: Company chooses not to provide a public response
Consumer complaint: I belief its unfair for a bank to denial there customer the right to ask to up there credit limit on there credit card that three year old never late never missed any payment always the bal pay in full all ways. now on or about XXXX/XXXX/2015 my dividend cad ending in the number XXXX to increase my limit to XXXX XXXX and the base for the request was I cant used the card. with a credit. Limit is XXXX that credit is three year old. this is the third time I have ask to increase that because it effect my credit score. that why we do n't used that. the XXXX XXXX limit is for some just become a customer of Citi bank. and for Citi to denial my request for the increase base on the number of inquired and Citi tell me that iam a loyal customer. but let me explain the number inquired, that on my credit my husband own a company that used my credit also that why there are number of inquired. but not XXXX missed payment or never late payment. these are the real fact follow the fact. let talk about that I have a XXXX XXXX on the XXXX with XXXX a year income, and I would review that as being treat unfair with excellent credit in XXXX. my payment history is very strong. I belief the account should be review as a loyal customer as Citi bank say. follow the fact on the credit report and not a inquired .just because of my age. do n't let that play a factor in a decision that do n't warrant a denial. so how can I be a loyal customer of Citi bank. if i am getting denial for ask to increase my credit line. I quest people like me and my husband at our age cant have good credit history. its unfair. this is the third request and being denial so guest we will stop ask. for an increase onthat card that XXXX year old with excellent credit history., fact check the record please. 

Company response: Company chooses not to provide a public response
Consumer complaint: Have been trying to close a credit card account with Citi ... they said the account was closed but refused to provide confirmation that the account has been closed. I am still receiving e-mail and postal mail correspondences on the closed account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a threatening letter from a Van Ru Credit Corporation about a {$20.00} balance towards XXXX XXXX XXXX XXXX. We have no debt with this company as far as I can tell with research, and have no outstanding balances with any of our medical practitioners. Normally, XXXX XXXX will send us a paper bill within 30 days of any appointment, but we have not had a XXXX ( local hospital group XXXX related appointment for nearly a year now. Additionally, when they send us a bill, it is always on the exact same form. This is a company I have never heard of, and in highly questionable font and format. Because we take extraordinary care to monitor our credit score, seeing this XXXX confused and upset me. I do n't recall having even a 'first ' notice on any {$20.00} debt to XXXX XXXX XXXX much less ignoring something long enough to require debt collection. Also ... {$20.00}? What an odd amount. 

Company response: Company chooses not to provide a public response
Consumer complaint: Paid XXXX for 4 years, returned the car and later they charge me for overage miles and try to work out a payment plan, which they later reneg and take me to court. I think this is excessive abuse of XXXX and its collections and credit bureau 's. I returned the car in 2010. Yet my negative credit report has to show that I did not pay them and is a charge off, including court judgment. What is going on in America? Collections, and Credit Bureau 's are abusing us and the system so they can charge 24.99 % APR? I 've paid every car payment on time, and XXXX and its collections agency should n't be allowed to abuse the system and its customers. The way it shows, it appears it was a charge off and I never paid them, when in fact it was fee 's and charges after returning the vehicle, so it has nothing to do with being a charge off of my $ XXXX monthly payment. THIS IS WRONG! 

Company response: Company chooses not to provide a public response
Consumer complaint: The company sent me a letter telling me they would pass a judgement on me if I did not respond to the letter within 7 days. 

However, the letter was dated XX/XX/XXXX, but it was n't postmarked until XX/XX/XXXX. I did not receive until XX/XX/XXXX ( I was not around to check my mail on Sunday. 

They have only cashed one of the checks I have sent them, and they tell me they are not received ( The first three were sent to the firm 's principal office in XXXX, but they should have made it to the correct place eventually XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). The last check I sent them was for {$150.00}. It was mailed XXXX XXXX from XXXX, XXXX, where I was traveling at the time. The check number was # XXXX. It was mailed to LGBS, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I wish I could send checks certified, but it is prohibitive for me to get to the post office during working hours. 

I was not made aware of this debt until the debt collector contacted me, then they called me on my work phone twice after I asked them to just call me on my cell phone. 

Photos of the letter and the postmark are attached. The rerouting sticker covers up the original postmark, but it is generally the same day or one day later. However I have shared my new address with them so there was no reason for the letter to be rerouted in the first place. I believe this was just another delaying tactic. 

I have also attached screenshots of my bank website showing that I have made another payment today, and another one is scheduled in XXXX weeks. When they either call or write to say the payment is n't received, I will submit a new complaint with either a recording of the phone call or the letter and also take it the both the XXXX and XXXX Attorney Generals office. I regret that I did n't collect the evidence sooner. 

Company response: Company believes it acted appropriately as authorized by contract or law