AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I went to a XXXX XXXX store o purchase a prepaid netspend card to pay abill over the phone. When I trie to activate the the person on the stated she could not activate card do to a block. I ask her how could that be this is a prepaid card, I paid XXXX XXXX money to put on the card. She sayed it wasn, t anything she could do. Go back to XXXX XXXX to get a refund. I went back to the XXXX XXXX to get a refund the clerk stated that netspend had put a block on the prepaid card so I could, nt received refund. I call netspend back sh he stated she would release a check on XXXX/XXXX/2015 to waite 5 to 10 days. I d not received check in 5 days, so I call netspend back the person that answer phone stated she did not she wear it was a check mail to me. she stated she would issue the check the next day. To wait 3 to 5 day. It is XX/XX/XXXX2015. I still have not receive my owe money I paid to be put on this card. Everybody at netspend have been telling me a big lie every since XXXX/XXXX/2015. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I opted out of overdraft coverage and have been told that no items would go through and charge me overdraft fees. I was charged XXXX over draft fees this month due to Regions Bank allowing me to overdraft my account. I called and found out that they can only refund {$18.00} of the overdraft fees. It seems to me that they want me to keep over drafting to pad their fee income. I would told that my line of credit I have with The bank that if I did overdraft it would pull from my line of credit, I was lied two about both of these items. I believe CFPB should look into Regions Bank handling of overdraft fees, specially why they allow for these lies to happen. Please help, XXXX over draft fees to the bank is nothing but for me on a fixed income it means the difference of my car being paid. 

Company response: Company chooses not to provide a public response
Consumer complaint: This was already paid by my insurance company and it 's still on my report. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: An account was opened with XXXX using my personal information. I have followed all of their requests, forwarded the police report for ID theft to their investigations team, and then a year later collection efforts began again, I contacted XXXX, who advised they provided me the wrong district for the investigation last year, and I needed to submit again to the XXXX district. I have sent the info again, and the phone number is only a message that promises a call in 72 hours, but no one ever calls. Their collection agency advises they continue to report to my credit bureaus until XXXX contacts them. this is impacting my ability to finance a car. the phone number to comcast is XXXX, fax is XXXX collection agency is XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Commonwealth is trying to collect a debt from me for XXXX XXXX XXXX XXXX. I contacted original creditor in 2014 and they sent a letter to Commonwealth that the debt did not belong to my SS # and to remove all debt from my acct. Commonwealth did so. However one year later they put the debt back on my account. I called them and told them it was a mistake, they agreed it was and told me to dispute it. I have disputed it but it keeps coming back on my credit reports. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am an Veteran living on a fix income, I had a car loan with Ally Auto financial, I went to XXXX to sell the car and they was n't going to pay off the loan, I had to come up with the rest of the money. I contacted Ally Auto and ask for the pay off of the car loan, they told me how much to pay off the loan, BUT Ally added a " fee '' charge to the transfer!! I contact Ally after I sold the car and ask why they told me the pay off was this much and then tack on a " fee '' of {$20.00}?? The lady told me that there was an over balance in the old account and she will mail me {$17.00}, what 's with this " fee '' and why I ca n't get the full refund? 

Company response: Company chooses not to provide a public response
Consumer complaint: Incorrectly charged a fee when making an ATM withdrawal 

Company response: Company chooses not to provide a public response
Consumer complaint: BARCLAYS BANK XXXX, DE XXXX ( XXXX ) XXXXXXXXwas not authorized to pull my credit. I would like this deleted from my hard credit. It is helping to pull my score down. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: Nonstop calls. I probably receive 3-5 calls a day from them with a blocked id. I blocked all visible numbers on my phone, which consisted of probably XXXX numbers so now they are using the blocked id numbers, which I ca n't block. I answered once and asked them to remove me but that did n't help in the slightest. No idea how to stop them. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have written documentation from XXXX University that account with them should not be reported as charge off and bad debt.. I sent that information to CFPB on XXXX/XXXX/2015 by mail to you, however I did n't put complaint number or mailing. If necessary I can resend information. Transunion can contact XXXX University directly or CFPB can contact XXXX University Financial Department. XXXX XXXX XXXX - Business Office/Financial Aid XXXX University XXXX XXXX XXXX. XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX. Thank You 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX I started the loan modification process. After submitting all the documents we started the process, soon after all the problems surfaced which dragged the process to XXXX XXXX many times I explained the situation to Bank of America either I received no response or a lie that my loan modification was in the process and would be approved once I resubmit needed documentation, Even the { XXXX } manager lied by saying that she is going to be working with me to complete the MODIFICATION not to worry. I was told countless lies. 

Most of my documents were either lost or not processed correctly. Those that were processed had all the wrong income figures. They literally made mistake in their calculations and did not want to accept responsibility. Even when I found knowledgeable individuals to explain their mathematical errors, their response was, " This is what it is, '' and that they were not going to correct them. They dragged the modification process while adding on late fees etc. In another department BOA has started the foreclosure process being that the loan is in default. According to { HAMP } guidelines ... .I qualify for the program 

Company response: Company chooses not to provide a public response
Consumer complaint: I am receiving letter from Pinnacle Recovery threatening to report a timeshare account as default to the credit reporting agency. The account is already showing on my report or were removed by the XXXX. I do not have a contract nor do I know what role Pinnacle plays in the XXXX XXXX XXXX organization. The company that I made payment to was XXXX XXXX ; I have not made a payment on this account since XXXX 2010. This account is already showing on my credit report. I did not think the same account can be reported twice. I told that to them when they called and I was told they can and will do so. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: 10 years a go my wallet was stolen, I reported all my stuff, someone still managed to take a withdrawl from my account, of like XXXX dollars. Apparently along the lines this went into collection. This company was harrassing me to the point where they said they were gon na garnish my wages for like {$4000.00}, unless I start a payment plan with them for 2000. So they convinced me reluctantly to give my card info, and now they are taking out unauthorized payments and my kids have no XXXX. They are called XXXX XXXX and XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I wish to add the attached document to complaint XXXX. As you can see, the cash advance balance was explicitly paid off on XXXX/XXXX/15. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a TV from best buy in XXXX and my introductory APR recently expired in XXXX of XXXX. I was told by the sales rep and a women from Citbank who handles Best buys credit card that the interest was not compounded at the end of the promotional period. This however was not true, all of the interest is compounded therefore sticking me with a {$1500.00} interest charge on a {$1500.00} purchase. I feel that I was misled by several members of the best buy sales team, and the Citibank agent who handles the best buy credit cards. I was never told that any payments on the account would go towards the highest interest charge. I feel that this is to help consumers but it in fact hurt me because I was unable to pay off the promotional balance in time. I was financially abused by Best buy to get the most money out of me as a consumer. I paid more than the minimum balance through online bill pay so I never really checked the bill and small print. If i was not mislead I surely would have made sure to have the promotional APR paid off in time. Best Buy also reduced my credit limit from {$2200.00} to {$700.00} making me overdrawn therefore dramatically hurting my credit score. This has been an incredible pain effecting my credit as we try to refinance our home. In All Bestbuy citibank has abused me as the consumer effecting my credit score, and making me pay close to 100 % in interest. 

Company response: Company chooses not to provide a public response
Consumer complaint: mrs associates, ph ( XXXX ) XXXX continues calling my number which is ( XXXX ) XXXX in an attempt to contact a family member. These are unwanted phone calls, and I hang up before the recording can finish. I am on the " do not call list '' and for privacy have an unlisted number. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/15 I checked my credit report. There was an adverse account from Sears/CBNA that I knew nothing about. I called the number on my credit report and was told they could not tell me anything about the charges on my account. I was given a different number to call. They also could not tell me anything about the charges but said they would mail me statements. I called back on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and was always told they were mailing statements. I received nothing. When I called back XX/XX/XXXX, I was told that they could n't find the statements! They would mail me a form to fill out requesting an investigation. I thought I had requested an investigation on XXXX/XXXX/15. 
As of today, XXXX/XXXX/15, I have received nothing. I called back today, was bounced to XXXX different numbers, put on hold by XXXX for XXXX minutes, XXXX for XXXX minutes and told by XXXX that there was nothing she could do, that no supervisor was available and someone would call me. 
I have submitted two disputes with XXXX. I spoke with a supervisor today who said they ca n't request documentation for a write off on someone 's account. He suggested I speak with the creditor! I have been struggling with this for XXXX months and do n't know who else to speak with. I would appreciate any help. 

Company response: Company chooses not to provide a public response
Consumer complaint: They called at night, I explained that because of my work schedule calling at XXXX was inappropriate. They said it was a business matter. I told them to call during business hours, because of my work schedule I am home during normal business hours. I asked them to document that I asked them to call during business hours, XXXX times. Then I sent a letter. Tonight I got a call and had to ask the caller their name XXXX times, they finally asked me why I need their name, I told them I want it for my records, I was told their name is XXXX. I explained AGAIN about business hours and the letter sent. They said they 'd get a supervisor. They put me on hold then came back and said their supervisor says they are allowed to call at XXXX but they can note the account to call at XXXX. I said, no, business hours. You said it 's a business matter, call during business matters, I was again ignored. They do n't care about when they call, and yes XXXX is cheating, you can call legally UNTIL XXXX and when I requested they not, more than once AND sent a letter, they still did n't heed any of it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a credit offer from Seventh Avenue. I got behind on my payments and I faxed them a letter and mailed them a letter on the XXXX/XXXX/2015 requesting a repayment plan. As of today I have not received a letter from them. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a call at XXXX from Bank of America a voicemail was left about my account being locked and I am not a Bank of America customer. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made a payment of {$50.00} on my Best Buy credit card in store, in my local Best Buy. Citigroup/Citibank manages the account and is the creditor in said account. However, this payment does n't show on my payment history and only {$8.00} of {$50.00} was applied to my balance. The card to my knowledge is 0 % apr for the first year as long as the balance is paid in full, however my balance has inflated significantly. The payment was made at the XXXX XXXX store XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I advised Transunion that I did not authorize or provide the above-referenced businesses and institutions permission to inquire about my credit status, and the continued presence of such inquiries on my credit report constitutes inaccurate information, which under the Fair Credit Reporting Act ( " FCRA '' ), must be removed subsequent to their reinvestigation as set forth in Section 1681i which requires Transunion to reinvestigate each and every disputed item and to complete the reinvestigation or delete the disputed item within one month. 
Furthermore, as further required by Section 1681i ( a ) ( 6 ) ( B ) ( iii ), Transunion should provide me with, " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In accordance with the Fair Credit Reporting Act, Section 611 [ 15 U.S.C. 1681i ]. 
Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), I had Transunion to provide me a copy of my report, reflecting the results of your reinvestigation " not later than 5 business days after the completion of the reinvestigation. '' TransUnion advised me that they would not initiate a dispute. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a checking account with Bank of America since XXXX and Credit card since XXXX. And I have an excellent credit history. My checking account has a overdraft protection enabled via the credit card account. This month I wrote a check to pay property tax and it so happened that my checking account did not have enough funds. And my credit card was overdue and hence the overdraft did not kick in. I agree I forgot to make the minimum payment for once. But I was never notified via their website on my accounts page that my overdraft protection will not kick in since my payment is overdue. It still shows it is linked but just that it is not of any use. They carelessly rejected my check, without notifying me in anyway about the overdraft status, in spite of all the history of transactions I had with them for over a decade and offered no help to correct the situation. Had they indicated the fact that overdraft protection is not going to help me, I could have acted differently. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was making payments to a medical imaging company and they still turned me over to collections. I told them I could make at least {$50.00} payments a month minimum and they refused it. They said they needed more and that I had to give them a credit card to charge. I was actually sending them more the {$50.00}. I paid {$320.00} on XXXX, {$100.00} on XXXX, {$50.00} on XXXX, and {$170.00} on XXXX. Can they legally turn me over to collections when they refused my payment arrangement, plus I was still making payments? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Debt was paid in full yet Professional Placement services has left it " OPEN '' on my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XX/XX/XXXX/XX/XX/XXXX I applied to Citicard promotion for a Master Card World Elite credit card that I received in the mail. The promotion was for when you have made purchases of {$3000.00} within 3 months after you received your card, you will be awarded XXXX miles to your XXXX XXXX Miles account. I applied to this promotion online, simply because I could find out right away whether I qualify or not. My application was denied immediately. I later received a letter in the mail from Citicard saying that because I already have an open account I therefore was denied. I had previously canceled my credit card with Citicard a couple of months prior to applying to this promotion but Citicard claimed that I had an open account. XX/XX/XXXX, I received another promotion in the mail from Citicard with the exact same promotion as before. I decided to try again. I applied online and was approved immediately. After receiving my credit card and have met the requirements necessary to receive the XXXX miles, I noticed on my statements that the XXXX miles has not been credited, instead only the XXXX+that I had spent ... .I called XXXX XXXX XXXX Miles to check whether there was a credit made of XXXX miles, they informed me " no '' and that I needed to follow up with my credit card people. I called Citicard and was sadly informed that I was n't qualify for such promotion since I previously had an account with them and that I needed to wait 18 months. 
If this is true, Citicard should not have falsely approved me for a credit card I was led to believe to receive. There was completely no misunderstanding on my part due to the fact that I wound not have applied for a credit card that did not offer me any mileage bonus. I am very aware of such things and I strongly feel that due to no fault of mine, Citicard should do what is right and honor their promotion that I was approved for. I have always been a good customer of Citicard and have always paid my debt in full with no delays. I sincerely hope Citicard will reconsider their decision and award the XXXX bonus miles promised me. 

Sincerely, XXXX XXXXVery Dissappointed CustomerSent from my iPad 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a mortgage with XXXX and when they collapsed it was passed on to other lenders without my knowledge and XXXX XXXX XXXX wound up with it and it took several years before i found out where it was going to and a loan servicing company called Specialized Loan Servicing started sending me notices and then it was sold to XXXX XXXX and XXXX XXXX and I had to hire several different law firms for a Modification which XXXX is now the bankrupt law firm XXXX XXXX out of XXXX New York. They had told me that indeed I was the victim of Robo signing and for years I filled out monthly paperwork for SLS whom I found out was working for XXXX and XXXX and they forced me into bankruptcy and my home and my truck were the only debts I had and I am still in the house and there is a serious problem as the house sits on XXXX pieces of property XXXX of which XXXX county and I have a stake in together ... It gets even more twisted as I am still trying to save my house and I am still in it, I need to talk to someone asap .Thank You 

Company response: Company chooses not to provide a public response
Consumer complaint: I worked in XXXX from XX/XX/XXXX until XX/XX/XXXX. Someone accessed my personal information and used XXXX XXXX. 
Now Jefferson Capital Systems is claiming an account opening on XX/XX/XXXX which is a complete fabrication. My signature is on no document authorizing this service. I did not require a cell phone in XXXX while I was XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i sent in a {$4000.00} payment to catch up on my house payment. the mortgage company did n't apply my payment then sold my mortgage. The new mortgage company is saying that i am a year behind and are trying to foreclose on my home. I am a single mother who wants to stay in her home. I ca n't lose my home to someone taking my money from me and not applying it to my mortgage like we had agreed. When questioned they said they did n't know where it was. 

Company response: Company chooses not to provide a public response
Consumer complaint: i have hired the services of XXXX to help me with the credit car situation. 
the creditors call me non stopmthe worst ones citibank and XXXX. 
i even got reprimanded twice at my job of 27 years cause my cell phone is also mywork phone. 
heres the accountsXXXX XXXXcitibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi, I remitted money through ach to my XXXX account. They give ref # XXXX and credit my account. So I transfer money from my account to other bank. After few days they called me your account balance in negative and send same amount again. I called them, they said your check has been bounce and they make reverse entry and more than XXXX as a penalties. I called so many times but they could not give solid answer.one said talk to your local bank.I went to my banker he said funds are sufficient and nobody demand for money.I again call today I said give me penalties amount back I will remitt money again.He said our supervisor will call you soon but nobody called me so far.I remitted money again.they gave me hard time.So I want penalties amount XXXX back that was not my fault. 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion charged my credit card without my knowledge or consent. They charged my card 22 months at XXXX a month. At no point did I agree to pay them. Their month charges costs me over limit fees, interests costs, and they refused to fix this problem. The manager said that they will make a note on the account to not make any refunds. I believe that I am a victim of a scam. Transunion should not have been charging my card for any reason. 

Company response: Company chooses not to provide a public response
Consumer complaint: I called XXXX XXXX XXXX and notified them that I wanted to cancel my phone service. They gave me a cancellation fee which I paid and I have a confirmation number. Months later I received a collections bill from XXXX XXXX XXXX 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company