AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I made a significant purchase using my Best Buy Citi account, 2 years ago. I took advantage of the 0 percent interest financing opportunity for 24 months. I made payments on the card, each month. What I did not realize was that Citi was not applying the payments I was sending in to my promotional balance. They were applying it to other balances. I did n't realize this until I received a finance charge of over {$3100.00}! Obviously, I was shocked by this and immediately called in and they told me if I could pay off the promotional balance ( ~ {$4400.00} ), they would waive the finance charges. I actually paid {$6000.00} to Citi and I had to borrow money from my son in order to do this. I called them to make sure they were going to waive the financing charges after they received the {$6000.00} from me, and they told me that I only had until XX/XX/XXXX to do it. They received the money on XX/XX/XXXX and told me that " there was nothing we can do. '' First of all, their payment processing is deceptive, as I thought I was paying down the balance. Second, they TOLD ME that they would waive the finance charges if I paid them {$4400.00}. I paid {$6000.00}! If I knew they were going to go back on their word, I would n't have paid that much! I would have used the money for other bills. I, in good faith, made the payment and now Citi is charging a XXXX year old widow a huge finance charge. Please compel Citi to honor their word. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made a deposit to my account with USAA on XXXX/XXXX/15 and received a confirmation stating it was received and PROCESSED on XX/XX/2015, however when XXXX items were presented that night they were returned. I have attached the PDF I made of my confirmation for evidence. When I called and spoke with a representative he claimed the deposit did not post until XXXX/XXXX/15 and as a result they returned both items. How can they justify returning my items after they misleading me to thinking my deposit was effective on XXXX/XXXX/15. They claim they have a cut off time and I made my transfer after this time, but this not posted on there website, nor did my transfer confirmation show an effective dateof XXXX/XXXX/15. More importantly the funds reflected in my available balance immediately after the transfer. This is extremely deceptive and only allows USAA to charge fees to clients unfairly and create financial havoc. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: there are XXXX debt that are not inmy name that are reporting on my credit. im trying to buy a home wiithin the next 30 days this should not be on my account in im reaching out for help to have it removed 

Company response: Company chooses not to provide a public response
Consumer complaint: I wanted to stop XXXX ( XXXX ) automatic monthly withdrawals from my checking account and was told by the person at the bank it would cost me {$35.00} each to do this ( {$70.00} ). I told her this was a rip-off. It took her less than XXXX minute to enter the information into the computer to stop these monthly withdrawals. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian continues to list a XXXX credit card account on my credit report in violation of the 7 year reporting rule established by the Fair Credit Reporting Act ; last payment on this account was made in XXXX 2008 and the current payment status reported by Experian is " Past Due 180 days '' ; I have disputed this account both with the credit reporting agencies and XXXX directly ; XXXX and XXXX correctly removed the account from my credit reports, but Experian did not ; the fact that it was removed by XXXX and XXXX by not Experian tells me that the erroneous reporting is the fault of Experian and not XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Request a payoff statement on an existing loan 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My existing mortgage servicing was transferred from XXXX XXXX to SunTrust Mortgage Inc . Shortly thereafter Sun Trust did an escrow analysis and refunded me {$2300.00}. On XXXX XXXX 2015, I received a letter from Sun Trust that in fact my escrow account was short {$4100.00} And either I paid the full amount or my mortgage would go from {$2500.00} to {$2900.00}. When I called for an explanation I was told that when the servicing was transferred, XXXX XXXX had not paid my local town taxes. I told them that they should go after XXXX since they were they ones holding my escrow and should have made all payments prior to the transfer. I returned the money they sent me in error but I will not paid anything more than what I was paying before the servicing was transferred. It is Sun Trust mistake and they not me should be responsible. I spoke to their Customer service Virginia, XXXX XXXX and XXXX XXXX who did the research and realized their mistake on XXXX/XXXX/15. See attached correspondence and tax statements from town. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've been having harassing calls from XXXX management companies for months. My insurance company informed me to file a formal report with them because this was a known scam to them. These calls have persisted and they have some how gotten more and more person medical information about me and even now know where I live. The calls went from just other states to right here in my home town. Some of these numbers pop up on google with some pretty scary web links. ( I never open them ) My problem started after I started rejected there calls and after telling them I had reported them. Insurance company told me to tell them this. I then started getting calls from RPM, Receivables Management Performance. At XXXX I thought it was the same scam XXXX from before so I did n't answer. They started leaving numerous messages stated they were RPM a debt collecting company trying to collect a debt. Knowing that All my debt is paid off I immediately went to check my credit score. There it shows I XXXXwireless XXXX. How ever the phone account is n't in my name. Never has been. Nor under my social. So I found this very odd. It then said the original company charged me in XXXX XX/XX/2014 for the XXXX but never received. So I went to our phone statements knowing were not behind looking for this charge. XXXX never charged XXXX for any services additional to our normal bill. Payment history shows every payment has been made on time. I also never received calls from XXXX. I have tried answering the calls from RPM. They either announce who they are and then hang up, Hang up the XXXX I answer, or speak some other language real quick then hang up. Either way they never actually try to collect nor let me dispute the charges. They call every day between XXXX times. Different numbers. This is the absolute only debt I have showing on my credit and like I said before XXXX is not my account. I 've never had any wireless company account in my name. I looked this company up. There are many complaints about RPM. Hang ups, harassing calls, fraudulent charges for items people have never had. Even filed through the BBB people have these complaints and yet they still receive a XXXX star rating. Im not sure how these people are allowed to be in business. I would like this inaccurate debit removed and investigated so hopefully they do n't try again. 

Company response: Company chooses not to provide a public response
Consumer complaint: I moved out of XXXX XXXX XXXX 2014. Almost a year later I received a letter from a debt collection agency seeking {$5900.00}. I had no knowledge of my debt. Under the fair credit reporting act, XXXX should have made a goodwill effort to notify me of the debt before sending it to collections. They had my phone number and forwarding address, yet failed to communicate and give me a chance to pay any debt, as well as dispute inaccuracies. Because of this I have been denied XXXX apartments and it has severely affected my credit score. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: To Whom It May Concern : Tranunion did not provided the results of my late payment investigation with my Student loan Account : XXXX SS # XXXX Late payment in XXXX 2014 XXXX have intensely fraudulently remove my forbearance date and reporting 90 days late to credit bureau. In XXXX 2014, XXXX, backdated forbearance date. XXXX they removed it than reported late in credit bureau and than backdated forbearance date. 
XXXX or Tran union should not report to late payment. I paid as agreed upon forbearance XXXX Why Transunion did not provided response from XXXX? 
Transunion are not responsive 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been receiving calls from a company called RPM ( Receivables Performance Management ) for several weeks, claiming about a debt I own. I think they are either scammers or someone has given my personal information to them. I am an customer of XXXX insurance which was subject to a recent hack and data leak. 
They either call and hang up or leave messages. Most calls are on the weekends in the evening or early morning. The XXXX time I was able to talk to a representative they were unable to tell me what creditor or company was seeking payment from me. I hung up. I 've already checked my credit report and have no accounts in collection nor have I been turned over to collection by any of my creditor. I 've block the XXXX numbers they have tried to reach me at, but I still get voice-mail messages 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: My wife of 3 months was admitted to XXXX XXXX XXXX XXXX. She signed herself in, used her insurance card and was there for a few days. At the time, had her own insurance policy, her own bank account and filed her own tax returns. While trying to pay her debt to the hospital and working with her insurance company, the hospital turned her into collections. 
At the present time I am trying to get a home loan and this collection showed up on my credit report. When I spoke with CCS ( a collection agency from XXXX CA XXXX, they told me that they had every right to post this to my credit report because California state law says they can go after a spouse to collect a debt. They cited XXXX XXXX XXXX XXXX XXXX. The person I spoke with was XXXX XXXX. 
I spoke with someone from your agency and was told that CCS can not do that. That we all have our OWN individual credit history and this was my wife 's history, not mine. She has since paid off this debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: this is a fraudulent account that I did not open and is still being reported and collected on .... that needs to be removed ... this was from my identity being stolen 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: have tried to settle with them and they wont except what I can afford so the threaten to take legal action and keep calling when I asked them to stop. when I did get a nicer person then someone jumped in on the line and yelled at me about the debt and told me that they will take legal action yet they wont work with what I can pay to resolve this 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Received a very vague letter from this " company '' attempting to collect an {$80.00} " debt '' with no information about this supposed debt - just multiple options for making a payment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This was a duplicate account which was an error in reporting. I contacted the company and they verified it was an error. But they have yet to do anything about it. Every time I call them they keep putting me on hold for long periods of time and then hanging up on me. They hung up me XXXX times just today. 

Company response: Company chooses not to provide a public response
Consumer complaint: All of the following credit breaus has been allowed and continues to allow resubmission of unproven credit claims against consumers credit files. This should be illegal for them to continuously do with no check and balanceses. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I followed XXXX which redirects me to this link XXXX to open the checking account with eFirstBank and i should be getting {$200.00} as cash bonus. 

As per the text *Cash offer is not available to existing FirstBank consumer checking customers or those whose accounts have been closed within 90 days or closed with a negative balance. Offer valid for new personal checking account opened between XX/XX/XXXX and XX/XX/XXXX. The account must be opened online at efirstbank.com/offers or bring in this advertisement to any FirstBank location to receive the {$200.00} offer. Limit XXXX gift per household, per lifetime. Limit one gift per account. The cash offer will be given if the account opened is in good standing, and the customer enrolls for online banking, and XXXX direct deposit greater than {$500.00} posts to the new checking account. Direct deposit must be new to FirstBank and must be payroll, pension, Social Security or other government benefits. Direct deposit can not be multiple direct deposits combined that exceed {$500.00}. Requirements must be met within 60 days of account opening and the cash offer will be deposited into the new checking account within 90 days of account opening. We reserve the right to substitute gifts offered at any time with an item of similar value. Limited time offer. The {$200.00} cash offer is considered interest and is subject to IRS and other tax reporting. The cash offer is considered a bonus that can be revoked if the account is closed within six months of opening. FirstBank employees and employees of other financial institutions are not eligible to receive the offer. Online Banking plus direct deposit required. Other conditions and restrictions apply. See branch for details. Member FDIC. 

I should be getting the cash bonus of {$200.00} but i was told just because I am working in XXXX XXXX which is financial services company - I wo n't be getting it. Well that 's not mentioned any where. These guys wasted my time, efforts and i end up with a credit inquiry also but not getting the {$200.00} cash back bonus. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/XXXX I entered into a payment plan contract with XXXX XXXX Hospitals. During my XXXX XXXX call, I spoke with the Billing Customer Service Supervisor, XXXX. XXXX XXXX forwarded me a payment plan contract, which I signed upon receipt and returned to XXXX immediately. This payment plan contract includes automatic monthly payments of {$83.00} to be debited from my XXXX XXXX credit card. 
On XXXX/XXXX/XXXX I received a phone call from Harris & Harris Ltd., claiming I owed XXXX XXXX Hospitals {$500.00}. I instructed Harris & Harris Ltd. to contact XXXX XXXX Hospitals, explaining I already had a signed contract in place with XXXX. During this call I also requested that Harris & Harris Ltd. cease calling or contacting me regarding this matter. 
On XXXX/XXXX/XXXX I again called XXXX XXXX Hospitals Billing Customer Service to confirm that they received my payment plan contract. During this XXXX XXXX call I made an early payment of {$83.00} using my XXXX XXXX credit card. 
Harris & Harris Ltd. repeatedly called me on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Each time they called they demanded I pay them {$500.00} and stated they were collecting on behalf of XXXX XXXX Hospital. During all calls with Harris & Harris Ltd. I requested they cease all communications with me. 
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I called XXXX XXXX Billing Customer Service and spoke to XXXX XXXX. Each time she assured me XXXX XXXX Hospitals submitted documentation to Harris & Harris Ltd. stating my account was NOT in collections. 
During my XXXX XXXX EST call on XXXX/XXXX/XXXX the representative from Harris & Harris Ltd. was very aggressive with me and told me I will go to jail if I do not pay them the balance of {$500.00} I again explained that I am under a payment plan contract with XXXX XXXX Hospitals and refuse to pay Harris & Harris Ltd. I also again asked that Harris & Harris Ltd. cease contact with me. On XXXX/XXXX/XXXX at approximately XXXX XXXX. EST, a representative from Harris & Harris Ltd. called my in-laws and asked to speak with me. My in-laws stated that I do not live there and requested they not call them again. 
I am reporting Harris & Harris Ltd. for unlawful and aggressive collection tactics for an invalid collection account. I ask that they remove my family 's contact information and my information from their systems and cease communications with my family and me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was sent an unsolicited prepaid card in the mail. I looked over the material that came with it carefully and saw that there was a list of fees. Among the fees listed was an " Account Maintenance ( Inactivity ) fee '' of {$5.00} per month. I am not sure whether or not I have to activate this card in order to be assessed this fee, but it seems to me that being sent something that I did not apply for and possibly being assessed a fee for not using it may be worth your attention. The company that sent this is netSpend at XXXX. XXXX XXXX, XXXX TX XXXX. Reading carefully the documentation that came with this card, it appears that I have to actively contact them to decline this card. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have held a Macy 's store credit card for 30 years. Earlier in 2015 Macy 's mandated that all cardholders be converted to an XXXX XXXX card. Since that time I have been unable to access my statements on-line or receive e-Bills. But since I had n't used the card in some time I was n't too concerned. On XXXX XXXX, 2015 I used my Macy 's card for a small purchase. I have been anxious to receive the statement so I could pay the bill. I tried again to access the information on-line thru Macy's.com but found myself trapped in an endless circle of error messages. I tried calling XXXX customer service numbers provided XXXX in those messages and on my Macy 's card and XXXX times - despite the phone system confirming their operating hours on a Sunday as XXXX ( and I am in the XXXX ) - their system then asked me to call back during normal business hours ... and hung up on me. Eventually I found a standard Macy 's customer service number and began the odyssey of speaking to XXXX different people ; being forced to repeat the complaint to each person. The last person I spoke to was in their debt collection area - which I did n't understand. I used the card 3 weeks ago, how could it already be late - and how could I know since I was n't receiving any statements thru any method of contact. After a difficult phone call with this last person, who refused to listen to my complaint, insinuated that I had provided incorrect information to Macy 's - which we confirmed they had on-record correctly. The final straw? Being told my account is past due and what are my plans to bring payment up-to-date. After telling XXXX people that I have n't received a statement in months, that I did make a purchase 3 weeks ago and just want to get my account squared away on-line so I could make my payment ... I 'm treated like a person who is evading their debt. It 's all bad enough for any customer but for someone who has been a loyal customer for 30 years ... it 's beyond the pale. The last Macy 's employee I spoke with refused to send me an electronic bill, refused to offer any reasonable solution to the issue of not receiving any kind of statement at all and then demanding payment for a statement I never received. This is grotesque incompetence. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America 's Trial Period Plan ( TPP ) documents for a mortgage modification under their Bank of America Loan Modification Program did not disclose the modification principal and interest payment amount, the modification interest rate, or the modification amortization ( time to pay of loan ) for the program that I qualified for, was offered and that I accepted. I had to base my acceptance of the mortgage modification based on the TPP 's information which only contained terms for programs that I did not qualify for and the total trial payment amount. 
This does not appear to abide by the spirit of the Truth in Lending Act. In addition, Bank of America did not attend XXXX of the meditations scheduled for this issue under Nevada 's Mediated Mortgage Modification Program ( MMMP ) as part of my Chapter XXXX Bankruptcy. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a Macy 's bill for a {$2.00} " Fees Charged '' on a zero balance. The previous month the account was paid as agreed way before the due date. However on the XXXX of this month when the billing statement was generated they assessed the fee on what Macy 's confirmed was a zero balance and removed the charge. This has happened before and they have removed it. They even have a recording where you can have it removed without even speaking to someone! I feel as though they are throwing these fees out in hopes that a certain percentage of people will just pay it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for and got an Advantage Citibank Platinum Select Credit card. The first time I tried to use it, the transaction was declined. When I called Citibank, they asked for verification information. I gave them all this. They then said they could n't clear the account as they could n't " verify the phone number '' I was calling from. I asked them if I had inadvertently written down the wrong phone number on the application. They assured me that I had not put a different phone number on the application. They simply could n't find it in their database. I completed the transaction with a different card ( XXXX XXXX ). Later that day ( XXXX XXXX, 2016 ) I called to cancel the card. They would not let me cancel it!!! They claim that since they ca n't " verify my phone '', they ca n't cancel the account. I asked them how I could cancel the account, and they hemmed and hawed and could n't provide an answer. I believe they are trying to keep the account open so they can collect the annual fee. They have wasted 2 hours of my time on this matter. I believe they should warn consumers that this is a distinct possibility and the government should consider not letting Citibank issue credit cards. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have a mortgage with Wells Fargo and we agreed to pay taxes and insurance ourselves. In XX/XX/XXXX we noticed a deduction for an escrow account? We spoke with the bank several times by phone and once in person and they say we had a gap in insurance. 
Not so. Our insurance agent sent the bank a letter with copies of all of our policies shown no gap in coverage. That was on XX/XX/XXXX. So far, more charges and no response to her letter. We are at our wits end. Can you help? 

Company response: Company chooses not to provide a public response