AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am XXXX on XXXX and unable to make payments at this time. Kohn Law Firm has taken me to court on behalf of XXXX Bank for the balance. They call and send me mail daily threatening garnishment, lein on my property, going after my ex and further action. XXXX is also suing me for the same on a XXXX XXXX account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My credit card accounts was close for no reason. I have been a customer for over 20 years and this is absolutely ridiculous. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX, 2015 received a bill for {$40.00} from Phillips 66 serviced by Synchrony Bank. I paid it on time electronically ( bill pay service ) but it went to the old credit card number. Synchrony continues to add finance charges and ask for more info. I have faxed a copy of my bank statement. My bank has sent a letter showing proof of payment, later ACH numbers to show where payment came from and where it went. My bank, myself and Synchrony engaged in a conference call and now they want 3 months of bank statements. Enough already! I am not sending 3 months of statements. This is all a ploy to wear me down. The old servicer of this account ( XXXX I believe from my bank 's research ) has probably forwarded payment. Synchrony wants me to call XXXX. Synchrony should do the research from all the data we have provided them and issue a statement to the credit bureaus to clean up any adverse reports about me. This account was paid and should be credited as such.. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I receive phone call from Harris and Harris limited numerous times a day from different number. I block a number from calling me after so many times. And they call me from another number. And after so many times calling from that number I block it. I have blocked so many of their numbers you would think they would n't have anymore to call me from. But they call me from a number and if I am unable to answer they will leave a message and call me from another. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XX/XX/2016 I applied for the Citi Double Cash credit card. I was told that for 15 months I would not get interested charged on purchases or balance transfers. This same information is posted on the Citibank website. I have only had the card for 2 months and the interest rate of 15.24 percent that I qualified has now kicked in after the fact I was told I had 15 months 0 interest. I would like to get some help as this seems to be false adversting. Thank you in advance for all your help 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The debts incurred during a hospital stay have been granted financial assistance from the hospital however Credit Bureau of Bessemer, a local collection company in Alabama, refuses to close the account. I have called, email, and even disputed through the credit bureau. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Recently, I went to use my Barclay Rewards credit card only to have the purchase declined. I found that very surprising because I was n't contacted by Barclays before the decline. I was even more surprised since in an effort to reduce my credit card balances I used my entire annual bonus I received to pay down my total credit card balances by over 25 %. I made it a point to pay Barclays the most - I paid my card down {$900.00} on XXXX/XXXX/16 via eft. I also made a regularly scheduled monthly payment to Barclays, and do n't believe I was ever delinquent. 

When I got home on XXXX/XXXX/16, the same day of my declined purchase, I immediately called Barclays and spoke to a few individuals ( rep last name XXXX, ID XXXX and also XXXX, ID XXXX ) who simply said my account was closed due to negatives items on my credit report. 

Yes, I know I have some, but for Barclays to close my account AFTER I made a substantial payment to them and other creditors was devastating, and honestly I think disingenuous on their part. To make matters worse, I know their act of closing my account further damaged my credit rating! It should be noted that NONE of my other creditors closed any of my accounts and XXXX XXXX actually reached out to me to work out a payment plan that I also completed on XXXX/XXXX/16 AND they have reactivated ALL privileges on my XXXX accounts I have with them - despite the fact that I was previously delinquent on my accounts with them! 

The point is to demonstrate the totally disparate treatment I received from XXXX creditors - XXXX, XXXX XXXX reached out to me to resolve my issues, the other, Barclays, closed my account AFTER I made a substantial payment and without advance notice. Although the date of the notice that finally did arrive from Barclays, and it was dated XXXX/XXXX/16, I know for a fact it came days AFTER my purchase was declined. 

Ironically, just today, XXXX/XXXX/16 I received another notice from Barclays dated XXXX/XXXX/16 acknowledging my complaint, and giving me an XXXX to call. Now, why would I waste my time at this point when the damage is done?! 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015 my daughter and I took at trip to XXXX. It was all prepaid through XXXX. The 2nd day we were there, we were told in order to make room charges we would have to have a credit card on file. So we did that. At the end of our stay we had {$26.00} in room charges. I signed the charge slip, then signed a credit slip to refund the {$6500.00} pesos hold The XXXX XXXX placed on my card. All seemed to go smoothly. 

When I received my credit card statement, not only did the hotel charge me the {$26.00} but also charged not credited me the {$6500.00} pesos ( {$440.00} US dollars ). I called my credit card company right away, told them the circumstances. We filled a dispute right away. On XXXX XXXX, 2015 Barclay Bank issued me a credit of {$440.00}. At this point I believed everything was all good. On XXXX XXXX, 2015 Barclay recharged me the {$440.00}. 
Again I called and filled a dispute, since the bank claimed my dispute was resolved. This continued for months, the bank claiming I signed the slip so I acknowledged the charged. 
I explained I signed a credit slip and there was no exchanged of goods the {$440.00} is a fraudulent charge. 
After months and hundreds of phone hours with Barclay Bank I filled a complaint with Washington State Attorney Generals Office. Since Barclay did not reply in a timely fashion nothing ever happened. 
I started contacting the XXXX XXXX myself. After being transferred around a bit and about a week I was told my money was credited back to my credit card. Again calling Barclay bank I was told no the money was never credited. Now I have emails from the hotel admitting a credit was due to me, again Barclay bank would not help me with this matter tell me my money was in XXXX and to bad for me. 
I the wrote a letter to the President at Barclay back with no reply. 
Then out of the blue, XXXX XXXX called me from the office of the President at Barclay Bank because of the complaint I filed with the Washington State Attorney General. After months dealing with her and all was in agreement I was owed the {$440.00} it was still never credit to me. I received a letter from XXXX XXXX closing my case. 
So I started calling XXXX, talked to XXXX there for another few months he told me they were escalating my case. I just recently found out XXXX is an intern and is doing nothing. 
Someone at the Attorney General 's Office gave me the information to this website, so here I am filling a complaint with you. 
This is just the cleft notes version, because I have spent hundreds of hours trying to get my money back. You are my last hope. 

Company response: Company chooses not to provide a public response
Consumer complaint: When I returned a missed call to agency the representative refused to give name or information. Would not connect me with supervisor. Hung up on me when I again asked for the When I returned a missed call to agency the representative refused to give name or information. Would not connect me with supervisor. Hung up on me when I again asked for the supervisor. Bullying me, rude and loud tone. Called supervisor XXXX XXXX and left a message about the matter. Supervisor XXXX returned my call 2 hours later. She briefly went over account and asked how I was going to take care of the account. I told her that medicaid was contacted so I could dispute the unpaid bills. She told me they would n't do anything about them! I told her I could n't make any payments at this time, she asked me " Well do you still work for XXXX XXXX? " I said yes and then asked who my husband worked for, I told her that it was none of her business and she said, " Refused '' as if it was to offend me. Not at all professional. I feel overwhelmed with my phone calls with the Representative and with the Representative Coordinator /Supervisior. I have sent out a cease of communication letter and a disputing debt letter as well to the debt collector agency. Bullying me, rude and loud tone. Called supervisor XXXX XXXX and left a message about the matter. Supervisor XXXX returned my call 2 hours later. She briefly went over account and asked how I was going to take care of the account. I told her that medicaid was contacted so I could dispute the unpaid bills. She told me they would n't do anything about them! I told her I could n't make any payments at this time, she asked me " Well do you still work at XXXX? " I said yes and then asked who my husband worked for, I told her that it was none of her business and she said, " Refused '' as if it was to offend me. Not at all professional. I feel overwhelmed with my phone calls with the Representative and with the Representative Coordinator /Supervisior. I have sent out a cease of communication letter and a disputing debt letter as well to the debt collector agency. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have had continuing problems with this ( " Servicer '' ), this time I was told to submit the same documents over again with everything being within the last 90 days. Ok, now this was to be done ( " No Later Than " ) XXXX/XXXX/XXXX, when I went online and realized they had n't received my fax from my neighbors house on XXXX/XXXX/XXXX, I rushed to email again, to make sure they had everything needed, and have email receipts I 've saved copies of now too. Well all their paperwork states that as long as they have the " request '' - " No Later Than '' XXXX/XXXX/XXXX, they will not move toward a foreclosure sale, but yet did anyway. When questioned about it, the person assigned to my case said their attorney must have accidentally done that and apologized, but yet only put a week extension on sale instead of postponing till they have my XXXX piece of paper, that all this time failed to make me understand what they were looking for- had to be ( mailed ) to me from I.R.S. , then faxed or emailed to them. I would like them to honor what XXXX XXXX XXXX said my trial payments would be when modification went through, cause that is exactly the help we needed, they dropped the ball, cashed in again, and changed to an affiliate servicer ( out of state ) ( which makes it really hard ) .I also called XXXX XXXX XXXX XXXX the little known truth about " We The People '' have the right to pay " Ourselves '' back at 0 % interest, and they said " Yes Sir '' " We will honor that Sir '', and count the XXXX dollars we have already paid down on the debt, especially being an attorney pointed out that XX/XX/XXXX, the insurance was cashed in, and the actual " Debt '' was paid off, and they are trying to collect twice on " The Debt '', all they said was " What do you want us to do Sir ''. Well we do still owe XXXX dollars on loan, XXXX XXXX XXXX mysteriously within a week or so sent me paperwork with {$61000.00} and the " Modification would be based on paying " That '' off. Now whats really going on? Excuse me????? I want the help they said it would be XX/XX/XXXX Now Please, Thank You. No more excuses with supposed XXXX XXXX, sent XXXX different ways and times, including " XXXX '', They have had what is needed and they are " Non-Compliant ''. Also, they continually ask for the same XXXX form? Why????? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Ever since Synchrony Bank took my BP Visa Credit Card from XXXX XXXX, I 've had nothing but trouble. I think I finally figured out their scam. By not allowing customers to make payments online, due to what they call " technical errors '', and denying use of the credit card at critical times, Synchrony Bank stands to rake in most likely, XXXX from unsuspecting clients. I 'm hoping the CFPB will be able to look into the practices of Synchrony Bank. Why their webpage is down so much, why when I schedule a payment their site denies it, or just schedules it on the next billing cycle. This institution seems to be controlling what, how and when I use my card, then lets the balance linger through " technical issues '' until they can charge another interest fee which is non-negotiable. Is it because they offer the gas rewards they feel they can ripe off the consumer? Sounds to me like there is something going on with Synchrony Bank. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX is repeatedly calling my work. I have included a log of the calls received just in the last few days, I deleted the others. 

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Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was denied for bank account/savings account and was told to contact chex systems. Upon contacting chex systems they refused to give me any information and requested my social security number. I do not feel comfortable giving my social and want verification of whatever this maybe. I have never had a hot check in my life. Please provide information that this is me along with verification and validation of whatever this is. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I XXXX XXXX XXXX in sound mind legal attorney legal XXXX acc # at citibank route # and account with address XXXX XXXX XXXX XXXX and account with old address XXXX XXXX XXXX XXXX XXXX XXXX citi bank never placed my XXXX acount in my XXXX XXXX acount and never reseved my statement forward to me with a XXXX dollar shopping spree from XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have recurring bill payments being handled by Bank of America being set to XXXX. Beginning XXXX/XXXX/XXXX payments were made by bill payment every two weeks and sent by corporate check ; XXXX payments to be exact. For other payments in my bill payment with Bank of America since I because a customer all my non-electronic payments made via bill payment were made by corporate check. My payment scheduled for XXXX/XXXX/XXXX to XXXX was made by personal check drawn on my XXXX. This action was taken with out notice to me, causing me harm. In my option this was a calculated action of the part of Bank of America to cause myself and other customers harm. The action is a deliberate move on the part of the bank to increase NSF fees which are probably dropping due to the increase use of electronic payment and the drop in personal checks being written. Although their bill payment agreement says that they have the right to send by electronic, corporate check or personal check, the established delivery method over years with the bank voids this and requires that they provide proper ADVANCED notice to me as a consumer. I have been harmed by this negative action and forced to spend additional funds to purchase adequate software to maintain a proper check register because I can no longer rely on the on line banking function provided by the bank to know my balance. I do not write checks out of my account, I do not own any checks for this account. The actions taken by Bank of America are discriminatory and predatory because they adversely impact on lower income customers who maintain low balances. The fees charged have a greater impact on customer like myself who can lest afford to have to pay these fees. According to my XXXX records all my payments scheduled for XXXX/XXXX/XXXX will be going by personal check they are no longer doing electronic payments even. 

Company response: Company chooses not to provide a public response
Consumer complaint: My XXXX i-35 infinite vehicle was wrecked back in XXXX XXXX. The owner that hit my vehicle his insurance company paid off my vehicle in XXXX XXXX. It was total paid off to the " Go Financial '' company. My name should have been submitted so that my credit score could improve. XXXX XXXX *********** 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/2016 this the collections company was already notified and continued collection practices are being made by the creditor. this accoutn should be removed from my credit report and all collections efforts should cease. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: For about 6 months now, I am receiving almost daily calls from " Amsher ''. I was never able to answer the phone, so they almost always leave a robo recorded voice mail on my cell phone. They even called me on XXXX Sunday, XXXX XXXX, 2016 at XXXX XXXX. They claim that they are a debt collector. I have an excellent credit rating, have always paid my bills on time. I have never had any debt that would need to be collected, and I have never dealt with any debt collector. My cell phone voice mail system always says that their call came from XXXX. So, I am blocking this number on my XXXX, and via the XXXX app. However, the calls come through anyway, which tells me that they are apparently calling from another, undisclosed phone number. This looks very much like a debt scam to me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a auto loan issued by Sovereign Bank and they sold it to Santander. Now Santander is reporting the account illegally reporting 90+ day lates month after month since the charge off date and have it listed as a 240 month loan. This was a car loan and car loans are n't 240 months just further confirming that they do n't even have the correct information to report this. I have tried multiple times disputing through the bureaus to no avail and have been ignored in demanding that these companies provide all the documentation showing they have it and are reporting correctly. Please help I tried to go through the proper channels and have been brushed aside. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Barclay 's Bank is cheating from their customers, I got credit card Arrival+ # XXXX from Barclay 's Bank.They offered bonus XXXX miles, if i have spent $ XXXX in 90 days, which i spent and paid their money in time.but i never got the offer, so canceled the card.I earned their bonus miles, but i never had chance to get bonus miles for airline ticket, every time i called the bank said my miles are not ready, i need to call back in the future.today, i called again & again, today, they just said my miles expired already. this is totaling cheating from their advertisements, they still offer this bonus offer all over media & internet, but you can not get the bonus miles.!!! I have more than XXXX miles at least, i earned and qualified from them, and i am asking my miles, i can not get it, it less than year, i tried several times, there is no way i can get from the bank, i really need your help to get my earned miles, so i can use them as airline ticket. 
finally the bank is cheating from their customer and this is totally manipulating, this is not the offer in the advertisement, this is the other cheating problem also!! 

Company response: Company chooses not to provide a public response
Consumer complaint: This may also be a credit card complaint. I was issued a credit card over two years ago from a Wells Fargo branch that I did not authorize in any way. The teller asked me if I wanted overdraft protection on my account since my husband had it. I said sure and went along with my banking that day. When I received a card in the mail asking for activation I immediately contacted the branch and made a complaint. Action was taken with the employee and I never authorized my card. In XXXX 2015 my husband was reviewing our accounts and found that we had a late payment for about {$500.00}. This was stressing because we are very much on top of our accounts and have over XXXX credit scores that are very important to us and our business. We went into the same bank branch to determine what happened and it turned out that we overdrafted money one day when we made a withdrawal just before we deposited more money. This kicked in the overdraft credit card that I never authorized or even knew we had. We immediately took care of our charges, and asked the bank to remove the financing charges and any impact this would have to our credit. They removed the financing charges and we wanted to close the card, but they said it would impact my credit score. This seemed really unfair because I never approved this card, found out two years later it existed, and now ca n't close it without a negative impact on my credit. We had multiple conversations with the branch manager and it was moved up to the highest level of Wells Fargo, or at least that is what we were told, when they denied us the opportunity to close the card without a negative impact on my credit. I am reporting this in full as a complaint on the issuance of the card and the bank handling correcting a mistake. This has taken over six months to get the decline from the executive level of the bank and many hours of frustration as a consumer. 

Company response: Company chooses not to provide a public response