AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX/XXXX/XXXX I went to a XXXX clinic named XXXX XXXX XXXX, XXXX offices located at XXXX XXXX XXXX XXXX, XXXX Fl. XXXX seeking for XXXX treatment, they refused to accept monthly payments or payments for visits, t was very clear that I could pay every time for my treatment even if that would be 3 times per week, instead the clinic contacted Care Credit, to get me a loan so they could get paid ahead the amount of {$5000.00} I already had a credit with Synchrony Bank ( Care credit ) for {$1000.00} ( card ending in XXXX ) another credit card for {$4000.00} ( card ending XXXX ) was mailed to me and quickly charged for the XXXX Clinic, both card were given a promotional payment of 18 month, on XXXX XXXX XXXX I had a balance of {$1800.00} in the card ending XXXX, I contacted my Bank XXXX to make a balance Transfer from my XXXX credit card to Synchrony Bank to pay off the balance, but the bank sent a check with the wrong account number ( XXXX ) Synchrony bank rejected the payment and they told me I had to submit a payment on XXXX/XXXX/XXXX and a period of grace would be extended until XXXX XXXX XXXX or interest for 26.99 % would be collected of the full amount, something that I reject that, because do n't make sense and that possibility was not explained on XXXX XXXX, any way the interest were fully charged on XXXX XXXX, I sent a payment of {$200.00} on XXXX the XXXX, Synchrony Bank forgot the extended period of grace promised and they want to collect now {$2900.00} I ca n't trust the Bank anymore even if I could submit the rest of {$1600.00} today the interest of 26.99 % of {$5000.00} is already in my statement. The interest of the balance is only {$430.00} a difference of {$930.00} is too much for me specially without any employment or weekly salary. I was un-aware of this predatory lending from Synchrony Bank even when it was highly suspicious that the clinic refused to accept my weekly payments, and that was because my medical condition returned 3 month later after the last treatment, I did not that I was not supposed to be forced to pay ahead for XXXX treatments, I kept paying any way but enough is enough, and I would like to see now a copy of the check paid to the clinic by Synchrony bank just to make sure that the amount is right, further more the Florida laws allow to collect a maximum interest of 18 % in any debt. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a letter drafted XXXX/XXXX/XXXX that my mortgage company did not pay my XX/XX/XXXX property taxes from my reserve because of : " undivided parcel number/please send new tax bill, if applicable ''. I retrieved the bill from XXXX XXXX XXXX assessors website and faxed it to the mortgage company on XXXX/XXXX/XXXX ( I had sent a page earlier, but it was for the wrong building as I own XXXX neighboring buildings ). On XXXX I noticed the bill had still not been paid, so I called. I was told that they would " open a work order '' ( 8 days after receiving the proper paperwork? ) I checked again today XXXX, and it still has not been paid, so I called again. They are claiming that the parcel numbers do not match between the tax bill and the closing documents so they are " researching '' it. When I asked if they had simply called the county, they would/could not tell me. 

The bill was due in XXXX, and they still will not expedite the payment. What can I do? 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Do to a financial hardship I was no longer able to pay my mortgage. I contacted the bank before stopping payments, told them my situation and submitted all documentation that was requested. I then decided that staying in my home was not an option and started discussing a short sale with the bank. the whole process started in XXXX of 2015 ( over a year ago ) and has still not been resolved. I obtained a realtor and attorney to help with the process of working with the bank on the short sale. The bank has been very uncooperative. They refuse to give any information to my attorney or me, keep refusing a short sale for various reasons, and most recently certified my home as vacant even though I am still living here ( I was handed the vacant cert on my front step ). Most recently the bank informed my attorney that the offer on my home was too low and they would not accept the short sale. they refused to provide a counter offer or let us know what the value of the house was ( appraisal had been done in XXXX 2015 by the bank. The foreclosure process was started in XXXX 2015, while we were waiting for the bank to review the first offer I had on my home. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Someone stole my personal information these debt collectors are trying to collect {$660.00} say I have a bill in my name that I am unaware of 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: XXXX has been trying to collect on a bill that I have stated several times did not belong to me. I completed a fraud packet they sent me and mailed it back, I sent them a FTC fraud affadavit form showing and proving that the account did not belong to me. The account was deleted from all XXXX bureaus and recently it was added back on by a collection agency which got deleted again and now its back on my credit report under a different collection agency by the name of Jefferson Capital System LLC. This account does not belong to me and XXXX has recevied all documents showing and proving that I did not open this account. I have even sent a debt validation letter asking XXXX XXXX to send me the signed contract and any other documents they have proving that I opened the account and to this day I have not recevied a response from them. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a bussines account at Suntrust Bank, as well a personal account wich is close by now, from my bussines account Suntrust bank took XXXX USD with out any autorization on my side. I need this money immediately and Suntrust is refusing to credited it back. I 'll apreciate your help. 
Best regards, XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Paid a bill for XXXX through my online Billpay for {$230.00} via my US BANK checking account back in XXXX, 2015. XXXX says they ca n't find it, US BANK says they sent it and put a tracer on it and I have been bounced back and forth by these XXXX companies for the past eight months. My checking account has not been reimbursed and I keep getting bills from XXXX saying I still owe them the {$230.00}. I am a XXXX senior citizen and this situation is extremely frustrating. I complained to the Oregon Public Utility Commission and they told me there is nothing more they can do. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a pre-approved application for a credit card from Citi ( bank ) / XXXX XXXX XXXX XXXX XXXX XXXX. I went on line to complete the application process and was declined. I followed up and called the number on the application and went through the application process with a representative. Again, at the end, she said it was declined but refused to state why. The individual on the phone would not provide a reason for the decline and said that Citi would send a letter explaining the reason. 
The letter from Citi was received on XXXX XXXX, 2016 and provided the reason for declining the application. It stated : " Too few satisfactory credit references were recorded on your credit bureau report '', and " The consumer reporting agency serving your area has reported only a limited credit history for you. '' The credit bureau used was XXXX. 
I obtained a copy of my credit report and it stated, " There are XXXX potentially negative items on your report. '' It also said, " You have XXXX accounts in good standing in your report. '' Additionally, my husband and I both have XXXX credit scores at all bureaus. 
I called the number on the letter ( XXXX ) and spoke with a XXXX ( # XXXX ) about the letter. My husband spoke with XXXX for a majority of the call. He explained that we have a copy of the credit report and shared what it said. There were no negative items and all accounts were in good standing. 
XXXX said he was looking at the report as well and did n't understand why it had been declined. Everything looked good. 
XXXX put my husband on hold several times while he could try to locate a supervisor so that we could restart the application. Again, several times, XXXX stated it was, " ... weird and I 've never seen anything like this. '' After 27 minutes, XXXX stated that they would not be able to process the application. He would not provide an explanation for the decline. 

Based on the credit report, credit ratings, and our income level, there was no reason to decline the card. The only explanation would be either discrimination against me for being a female or being married. There is nothing in the credit reports to substantiate a decline of this credit card. 

As a note, neither my husband nor I carry any credit card debt. We have a home mortgage and a small consumer loan of approximately {$5000.00}. That is the extent of our debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am submitting a complaint against Bank of America for a few reasons that are related to bounced check fees. First of all, I feel {$35.00} is an outrageously high fee for a bounced check, especially since the bank does not make it a practice to cover the checks in any way. Also, Rhode Island State law limits to {$25.00} the amount of money a merchant can charge a customer for a returned check. Therefore, I feel it is only fair that the banks be limited by the same statute. Specifically in this situation, I had written a check to a merchant who then only submitted it to his bank several weeks later. Because I was n't expecting it several weeks later, check # XXXX bounced on XXXX and again on XXXX. I take issue with the timing in which I was notified by electronic banking because both charges showed up on the same morning of XXXX. If the first attempt had been apparent on electronic banking in sequence, I would have been able to cover the amount and prevent the second bounced check from occurring. In other words, I find it strange that both attempts of cashing the check became evident at the same time on my electronic banking. It means the bank is being inconsistent in its timing of presenting information to customers via electronic banking, and this peculiar timing ends up making the bank a profit as a consequence. Moreover, these XXXX fees totaling {$70.00} resulted in a third check, # XXXX written for {$75.00}, to bounce as well. As it stands now, I have XXXX bank fees totaling {$100.00}, and my daughter may lose her spot in the after school program as a result of the check being insufficient. For one of the largest banks in the country that gambled with my hard-earned tax money, subsequently blundered, and then was bailed out, one hopes it would be more lenient in dealing with customers ' relatively minuscule mistakes. I sincerely hope that XXXX XXXX becomes President of the USA and breaks these " much bigger than before '' banks up into smaller businesses that know how to act more fiscally and socially responsible. As far as resolution to this matter, I am interested to know the names of the banks who submitted these checks through my account. For if it was Bank of America itself, then we have a serious conflict of interest. Next, I want to know when they were submitted to BOA exactly. For I want to be sure the bank did not predatorily wait for a moment when no funds were available in my account to put the checks through or time them sequentially in such a way to cause my overdraft. In addition, I 'd like for BOA to lower the maximum fee they charge for NSF transactions to {$25.00}. Lastly, I 'd really appreciate at least a partial return of the fees charged to my account since I 've been banking with BOA. Since {$35.00} - {$25.00} is equal to {$10.00}, I 'd appreciate {$10.00} for every fee over the years. Lastly, I 'd like a thank you for bailing it 's " too big to fail '' XXXX out of complete destruction and for not prosecuting anyone on its board for treason against all Americans back in 2008. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a Bloomingdale 's credit card and been a loyal customer for a little over a year now. My bill is paid on-time everymonth. Today XX/XX/2015 I received a letter in the mail from them date XXXX XXXX, 2015 that they were decreasing my credit limit from {$600.00}, to {$500.00}, because they ran my credit and seen that my credit score had dropped, I never authroized them to check my credit and before assuming my credit score dropped because of myself they should have verfiied with me to see if I had some ID theft resulting in fraudulent accounts being open in my name. What crazy about the letter is that although I 'm just receieving it, it says that they ran my credit in XX/XX/2015 and seen this drop and now two months later are decreasing my limit, after I just paid the bill. So now I feel like they are profiling me and assuming I 'm not going to pay my bills. As of today XXXX 2015 my credit score has return back to normal and is fair, my credit score has increased again because I had those fraudulent accounts removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: the Doctor bill or paid but they are sending a bad reports to XXXX credit agency 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear Sir or Madam, On XXXX XXXX, 2012 I signed a contract with US Bank to lease a vehicle for XXXX years. As of today, I decided to buy the car. I have called US Bank in multiple occasions requesting a clarification about the pay-off amount that does not reflect the exact amount stipulated in the contract. When I go over the clauses of the contract they mention different amounts that have not been reflected on the contract. The purpose of this letter is to report the abusive practices from US Bank. This financial entity makes up numbers and inflate the real amount due without providing any reason. For example : the residual value is always equal to the purchase price plus tax or any fee. In my case the residual value was different to the purchase price without applying any fee or tax. In the contract appears reflected that if I exercise my option to purchase the vehicle no additional fees will be applied. US bank still charges additional fees in a clear violation of this clause. As I have already mentioned, I have called XXXX times and they never provide any explanation. I would like to report US Bank for abusive, usury and misleading practices. 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested many times before Experian to investigate Fraudulent claims, Re-aged, deleted items in my Credit Report, but Experian refused to do it using excuses such as, " my info do n't match '' " i have to prove the accuracy of my personal info '' ; ( XXXX & XXXX never used similar excuses and completed the investigations i requested them to do ). Experian refused even to mail me my Annual Free Credit Report using similar excuses, but they were willing to mail me or download my Credit Report for a fee of {$7.00}. As if is n't enough that Experian reports wrong items in XXXX % of Consumer 's Credit Reports, it seems that Experian do n't obey CRA 's Laws, plus maximizing their profits by reporting Fictitious Negative items which are sold to many Companies for a high fee ( positive items make XXXX money ), and acting as XXXX. FTC & CFPB never took any action against Experian or any Credit Agency who create many problems to consumers ; Are they perfect? Maybe that 's why they XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX, through its representative, XXXX XXXX, has a false claim that I, XXXX XXXX XXXX, and my wife, XXXX XXXX XXXX, owe a debt that we do not owe. They have filed this on our credit reports since XXXX 2015, despite the evidence that their claims are inaccurate. This is a clear violation of the law by their false representation of an amount and legal status of the so-called debt they are claiming. We provided them the information and evidence that they are in error, but they have since failed to correct their error. 

Originally, a dispute had arisen with a potential landlord that was settled in court. When judgment was entered in court, we satisfied the judgment, since XXXX 2015. However, XXXX XXXX XXXX has continued to negatively affect our credit score since that time by insisting that we owed an amount which is simply false and inaccurate. 

FMS Financial Solutions refused to correct their records, despite the fact that they were made aware that they are violation of the Fair Debt Collections Practices Acts ( 15 USC 1692 ), especially section 807 ( false or misleading representation of " A ) the character, amount, or legal status of any debt '' ). We provided them the evidence of the notice of satisfied judgment, and XXXX XXXX, their representative, refuses to correct this information. 

We provided proof of the satisfied judgment amount and closed legal status, which was significantly less judgment than their client was claiming. We notified them that further delay requires further action provided by the laws of the United States. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Over a week ago, I deposited a {$5000.00} cashier check via the ATM. A hold was placed on my account. I contacted Bank of America to tell them that I 've written checks and I need the hold off of my account. I can not understand why they would place that type of hold on a cashier 's check. My property tax check for {$3.00}, XXXX was returned. I contacted them today to ask that they pay that check because an additional delay means I will owe the XXXX of XXXX additional money. They refused to pay the check. Meanwhile, they are charging my account for overdraft fees because some checks are coming in. This is almost criminal. It would be different if it was n't a cashier 's check. How much verification does XXXX need in order to release those funds. I can not afford to pay those overdraft fees and the additional money to the XXXX for my property taxes because Bank of America decided to withhold what I perceive to be basically a cash deposit. Is this there way of collecting fees from their customers by forcing them into an overdraft status? This is wrong. I 've been with them a lot of years and I deserve better treatment. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear Sir or Madam, I am writing this letter to correct the unlawful pulling off my credit report for issuing a replacement XXXX XXXX credit card which is the breach of agreement made on XX/XX/2015 over the phone. 

I called to the phone number XXXX at XXXX XXXX ( Pacific Standard Time ) on XX/XX/2015 for my XXXX XXXX XXXX credit card as I received a communication via postal mail. I was told that XXXX XXXX card will be discontinued due to new XXXX partnerships. 
Over the phone, I was offered another replacement card and I asked multiple times that it would not require a hard credit pull avoiding any negative impact on my credit score. I was informed by XXXX XXXX agent taking my application over the phone many times including disclaimer agreement that there will not be any credit pull from any credit agency for this card. They also told me that this conversation is recorded and there will not be any issue in future regarding my concern for credit pull. 

I, however, see a hard credit pull for the same credit card application on my credit card. I contacted XXXX XXXX several times over phone and I was told that they are aware of this issue and it will be taken care of. I also sent fax communication ( attached ) on XX/XX/2015 and XX/XX/2015 detailing the issue but I do not see any action from XXXX XXXX. Even after more than 7 months, I do not get any proper response or see any action on this from XXXX XXXX. 

I look forward to get the XXXX XXXX credit inquiry deleted from all XXXX credit bureaus. 

Thank you. 

XXXX, XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX and UAC failed to provide the services that they sold me on. They never reported the correct information on my credit report of me paying on time with not one missed payment, when they should have done so as they promised in their contracts, they also didnt honor a warranty on a faulty car that knowingly they supplied a bad transmission and returned it to me- which had to be towed away from the mechanics shop that I was told to take the vehicle to. The moment that I take my vehicle in for repairs and they provide a faulty transmission and I refuse to give them another dollar until they fix it, being that it is under warranty they happen to repossess the vehicle and do a charge off/collections. I also reported them to the XXXX two times, they have gone as far as submitting a story that is far from the truth. I have the receipts and an email to prove that they lied, saying that they honored the warranty that I refused to pay for the vehicle with other things that the vehicle did not have. With that being said, insult on top of injury they do not report correctly to the credit bureaus repeatedly. 

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