AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX/XXXX/16 at XXXX XXXX I received a call from XXXX at spot loan indicating my payment on XXXX XXXX 2016 had not cleared. I thought that this was a prank as I have been so sick with XXXX and had not received anything from the bank. went to the website and found out that XXXX was correct. I scheduled a payment for XXXX XXXX that did clear the bank. when I 'm speaking with him on that day I indicated that my pay period had changed and that next pay period will be XXXX XXXX and they would not to take out anything before then because I did not get paid until XXXX XXXX. he indicated that once that payment on XX/XX/XXXX he would call me back and get it arranged to have the the pay date as XXXX XXXX and then every two weeks. not hear anything from him and on XXXX XXXX upon checking my bank balance at lunch I noticed that they had already taken out another payment without my consent. Called back to spot loan immediately and they indicated that the supervisor would have to check the phone records of the recordings and come to a decision and and call me later. I did receive a call from XXXX the supervisor at XXXX p.m. she indicated I was correct that I had clearly stated that the next pay period was XXXX XXXX and that she would be refunding the money or I could leave the payment there and then I would n't have to make another payment until XXXX XXXX. indicated that this is going to overdraft my account for my rent check ( which it did and I was charged {$32.00} ) and that I needed the money put back in on Thursday. she indicated it was too late to get that done for Thursday but she would get it put back in on Friday. Friday no money being returned. Saturday at XXXX XXXX. I called and I talked to XXXX she indicated that there was no notes in the system from when XXXX to me. I said I did n't believe that but she said that they were n't going to do anything until they talk to XXXX. I said that if the money was not put back in my account that I was going to contact the XXXX and the Attorney general. She returned call back to me at XXXX XXXX. indicating that she wanted me to go to the bank and get the statement showing that the payment has cleared and they would put the money back into my account ASAP. went to the bank called her at XXXX after the bank had faxed the documentation showing that the payment had cleared I spoke to XXXX. XXXX indicated that he would send an email to XXXX so she would know that the fax had come through. did not hear anything all day and called back at XXXX p.m. again spoke to XXXX. XXXX indicated that he had spoken to XXXX and she indicated she had received the fax and XXXX indicated that they would review the facts and make a decision and v money would be in my account on Monday. still have not received any money back into my account and no communication from the company what so ever. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: On XXXX XXXX, 2016 my cousin XXXX XXXX went into Suntrust Bank at XXXX XXXX XXXX to make an XXXX XXXX dollar withdrawal she successfully made that withdrawal & left the bank within 25 minutes of leaving the bank, XXXX XXXX branch manager contacted her again and informed her to bring the money back due to a fraud alert due to deposits not being in the account holders name we were informed that if XXXX XXXX brought me to the bank and I verify my identity everything would be fine that was not the case when we got back to the bank the branch manager XXXX XXXX just wanted the money & did n't give any information as to what actions should be taken next nor did she review the information we brought to the bank I have been in constant contact with the Irs, Suntrust Bank, and the 3rd party preparer bank XXXX XXXX XXXX. I have been able to get nowhere & they have constantly responded in a rude manner presenting horrible costumer service skills. I have limited information about my funds & Suntrust Bank internal department is telling me they can not give me a time frame as to when my funds will be released & and I was referred here to possible get a resolution within 10 business days of this matter being referred to the bank 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Hello. I have couple loans that it is hard to pay right now. I have financial difficulty and I am having trouble paying other my bills too. I just need some solutions, please. I am really looking forward to hearing from you soon. Thank you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX from the office of the president for Barclaycard did reach out to me. However, she had left a voicemail and ever since then we have been playing phone tag. She also has n't paid attention to my request that I left in my voicemails. Because of my work schedule and the time zone difference, I had requested that she call me before XXXX. To me, that 's a small thing to ask. 
After each voicemail I left her, I ended up having to repeat myself as to what times would be best to contact me, and I had to leave a voicemail quickly as I was using my break time to respond to her. 
In my 2nd voicemail I left her I requested if we could communicate through email and I even provided her my email address. She responded to my email with a generic, robot-like response, only repeating what her office hours were and not at all like there was a human on the other end of that email. 
I have since again, left her a 3rd voicemail!, requesting her to either let me know if she could take care of my request which is to have my online account closed! That 's all I 'm asking for! I even told her to please pull the information regarding the communication via secure email that I sent to have it closed. XXXX reps told me that it had to stay open for 7 years and another said for 6 months. I have had multiple banks and all of them allowed me to easily close my online account. Why is barclay being SO DIFFICULT!! I do n't need anything regarding my online account services and wish to have it closed for my protection!! 
That 's all I 'm asking and it should n't be this difficult to get a response as to whether or not this can be done. XXXX XXXX shoud n't have had any problems figuring out what my issue was as I plainly listed it in my initial complaint. I 'm filing another complaint because of the way communication is being handled, the fact that she has n't bothered to really " listen '' to my voicemails, the fact that the email address she wrote me from was n't a direct email address to her and went directly to the call center email department and she did n't say that AT ALL in the email she sent. 
I 've just had enough. All I 'm asking for is to have my online account closed and I 'm not taking anymore time out of my work day to return her calls since she ca n't respect the time that I have available to talk. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: There is a negative item on my report that only Tranunion has not removed from my report. The name of the original creditor is XXXX XXXX XXXX XXXX XXXX that states that I owe {$1000.00}. This is not mine and I have a letter directly from the Creditor ( Insurance company ) that validates this error. 

Company response: Company chooses not to provide a public response
Consumer complaint: My relative XXXX XXXX used my info to obtain XXXX loans while I was incarcerated. {$360.00} from Remit Corp on XXXX and another {$1400.00} from XXXX XXXX XXXX. On XXXX XXXX all Mo. Doc records will verify I was in prison from XXXX until XXXX, 2015 I ca n't get any help. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: On XXXX XXXX, 2016 my daughter XXXX XXXX went into Suntrust Bank at XXXX XXXX XXXX to make an XXXX XXXX dollar withdrawal she successfully made that withdrawal & left the bank within XXXX minutes of leaving the bank, XXXX XXXX branch manager contacted her again and informed her to bring the money back due to a fraud alert we were informed that if XXXX XXXX brought me to the bank and I verify my identity everything would be fine that was not the case when we got back to the bank the branch manager XXXX XXXX just wanted the money & did n't give any information as to what actions should be taken next nor did she review the information we brought to the bank I have been in constant contact with the Irs, Suntrust Bank, and the 3rd party preparer bank XXXX XXXX XXXX. I have been able to get nowhere & they have constantly responded in a rude manner presenting horrible costumer service skills. I have limited information about my funds & Suntrust Bank internal department is telling me they can not give me a time frame as to when my funds will be released my daughter XXXX XXXX has received a closing letter from Suntrust Bank and in that letter it states that all monies left in the bank account would be sent in th form of a paper check to the address on her account but now that is not the case so after weighing many options and getting anywhere I was referred here to possible get a resolution within 10 business days of this matter being referred to the bank 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have not been able to log into Transunion or XXXX websites to submit dispute someone else 's delinquent account information on my credit report. It is the XXXX XXXX delinquent account listed on the attached report. It is not mine. I have NEVER had the XXXX XXXX XXXX account listed. I have NEVER lived at the address attached to that account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a bankruptcy in XXXX but it was dismissed because I did n't go through with it. It was suppose to be removed in XXXX 7 years but it was suppose to be removed because the debt I still had to pay. But it is still showing 

Company response: Company chooses not to provide a public response
Consumer complaint: I am filing a complaint against Citi Mortgage regarding my review for a XXXX loan modification under the HAMP program. I successfully submitted a workout packet to the servicer. I was told repeatedly that I was quote " in review '' and that the file was being reviewed for home retention under the Government program. I am currently in a toxic interest only loan that is going to reset and my mortgage payment is going to skyrocket, making it impossible to keep my home. I finally received a decision and spoke with my single point of contact XXXX XXXX who stated. " Because you are not late XXXX XXXX you been denied a loan modification. I was provided the net present value findings, some of which were not even properly reviewed. They were left blank. I have opened up a dispute with Citi Mortgage and am soliciting an official complaint with the Consumer Federal Protection Bureau. Citi Mortgage is in violation of a Treasury Guideline under the Making Homes Affordable Program. Citi Mortgage egregious behavior is without questions unlawful. I am asking for a proper review and subsequent approval of my loan modification, which will enable me to keep my home. 

Company response: Company chooses not to provide a public response
Consumer complaint: Duplicate payment was made for an auto loan. I contested this duplicate payment at local branch and 2 days later when using my debit card, it was declined twice. I learned from local branch account had been frozen. I did not request the account be frozen and was not informed account would be frozen. This resulted in late fees as well as fees associated with pending eviction due to debits posting during this time period. The branch referred me to a corporate number to request the account be unfrozen. The local branch manager acknowledged fault and agreed to reimburse my losses, however has since decided to not act as agreed and referred me to the fraud unit. There is no fraud. There is only misconduct of US Bank. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have an amazon account and I opened an Amazon Credit Card account. Problem is you ca n't log on to make a payment without being redirected and then asked to log on again to a different website. I had constant issues logging into the third party website every time I wanted to make a payment. I was so frustrated just trying to make payments I decided to close my account and would have expected when I clicked the close your account option over the phone, it would have required you to pay and close the account. Nope it just closes your account. Then I tried to make a payment using my Credit Card to pay the entire amount off and it wo n't accept a credit card payment nor would it allow me to reopen my account. No way should it allow you to close your account without informing you of your closing balance and stating the only way to pay off the balance is via a checking account. I would NEVER have closed the account had that information been provided prior to the closure. I would have simply remained making the payments however troublesome making them were. Now I will be forced to pay the entire amount at once. I believe they make it difficult purposefully. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had a collection of parking tickets in college, and since my college was being paid with a fund not in my name, the debt was settled in divorce court when my parents divorced in 2013. Since 2013, XXXX XXXX XXXX University has continued to contact me about the debt that has been paid. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My loan was recently sold to Loancare which is the worst company I have ever come across. Before we even received this so called welcome packet from the company I was incessantly harassed by automated phone calls demanding payment. Then after we received the packet and sent the initial payment I was still receiving calls from them and the began receiving letters telling me my loan was in default all the while having been paid up. The conduct of this company has been totally unprofessional and can only be characteried by harassment. 

Company response: Company chooses not to provide a public response
Consumer complaint: Nationstar Mortgage company paid another client 's mortgage insurance out of our escrow account in XX/XX/XXXX in the amount of {$5300.00}. We had not realized the error until XX/XX/XXXX when we were notified from XXXX that our insurance had not been paid. Our insurance payment is {$3800.00}. I contacted Nationstar and was informed that an error was made. Our insurance was then paid by them but the {$5300.00} was never replaced in our escrow as we are told it ca n't be until they receive money from the client that they paid the insurance. They are unable to contact the client and therefore say our money ca n't be replaced. I keep being assured after numerous phone calls it will be taken care of with no results. Yesterday an escrow analysis was posted to our account and states our monthly payment is going to be increased more than {$400.00} per month beginning XX/XX/XXXX ( due to their error ). 
They fully admit they made a mistake - we were told the other client 's name was vaguely similar and had an account with them - but does not pay insurance out of escrow - so they are sorry but they have to get money from them. 
I have spent hours on the phone since XX/XX/XXXX and keep being told they are investigating the error - but have not credited our escrow which now is in a negative balance. I feel our escrow money has been fraudulently compromised and needs to be replaced immediately. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Kings Credit Services send a collection latters to my soon to be ex husband with his name using false pretense. my ex calls the company to dispute the charges they gave him out all my info and continued to call him everyday threaten him by telling him they will mark he 's credit if he does n't pay my medial bill. ..ex calls me and says will sew me if company marks his credit and continues to call him. I call company and requested they only call me they refuse to do so. I explain the only reason I stop making payments was because I lost my job and told them im not refusing to speek with them I tried to negotiate and settle the account and they refuse to they said they can only take full amount no payment options. .. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a call from Macy 's credit card fraud department on XXXX/XXXX/XXXX inquiring if some charges to my Macy 's card account were authorized by me. I told them no and that I had not used the card since XXXX, XXXX. They sent me a fraud dispute form ( attached ) which I filled out and disputed XXXX charges totaling {$610.00} mailed it to them on XXXX/XXXX/XXXX. They canceled the old card number and issued a new card which I have not used. I later received a billing statement where they transferred some of the disputed charges to the new card number and added late fees and interest charges. I phoned Macy 's twice to complain and the representative indicated she could see where I submitted the dispute form, but indicated the fraud Department had 60 days to review the disputes and I should ignore the billing statement. She said she was unable to issue anything in writing confirming the dispute was filed. Now I have received another monthly billing statement dated XXXX/XXXX/XXXX where they have added more penalties and interest. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Applied and was approved for Citi AAdvantage Platinum Select World MasterCard. 
Incentive was XXXX XXXX XXXX AAdvantage Miles to be credited to existing AAdvantage account for opening account. 
Credit Card Terms & Conditions make NO reference to a requirement for {$3000.00} to be spent on the credit card within three ( 3 XXXX months. 
In fact, impossible to find any reference to this specific conditions on any documentation provided by Citibank. 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife passed away last month, she had a personal credit card and a personal account with Citibank. 

I also have myself another personal account with Citibank, where I receive my salary. On this specific account my wife was a co-signer. 

After she passed away, Citibank is now charging me the bill of her personal credit card. Which I have nothing to do with. 

She had no will or state. I do n't think this is correct Citibank trying to charge me of debits from her personal credit card. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi My name is XXXX I have a pre-paid debit card with Netspend.and I had been issued a refund from a cheer uniform company due to the fact that they had sent me the wrong size kit so my cheerleader 's uniforms were mad wrong. after several talks with the merchant they found out that they did send me the wrong size kit. so they decided to issue me half for the tops. well the money was sent to my Netspend card. which I had no Idea that they would put a hold on the funds and not issue to me. after sending serveral documents, after speaking with the Merchant they still refuse to send or release the funds, They did not warn me or tell me that they could do or that it was their policy. the amount that they are holding is XXXX, XXXX They are saying the only way that they would release the funds or mail the check back to the merchant is that they would have to have a XXXX letter. Well the XXXX letter was e-mail now the fraud department at netspend said that they have to have the physical letter. I have called the XXXX, I have filed with the XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2015 I made an offer on a repossessed property that was being sold by the US Bank. Although my initial offer expired on XXXX XXXX, 2015, I was not presented with the 'Counter Offer Addendum ' until XXXX XXXX, 2015, calling into doubt the validity of this even being a 'Counter Offer ' or an 'Addendum '. Furthermore, in accordance with paragraph XXXX of the initial offer, there was no basis to maintain any contract with this so-called 'Counter Offer Addendum ' since the offer had thus already been deemed withdrawn. 

At the time I made the offer I had no knowledge of the seller-skewed, 'Counter Offer Addendum ' that was to follow. This document stated all of the foreboding liabilities that rightfully should have been presented from the start. Since the 'Counter Offer Addendum ' arrived late in the week and the Bank wanted the deposit wired by Friday, I had virtually no time to scrutinize the document or voice any concerns. The US Bank got my deposit anyway and then considered me under contract. 

However as the closing neared, my demands at work delayed the closing by two days. Due to the lack of incentive that US Bank has to deal with people, the bank gave away my property to another buyer, keeping my escrow without notifying me of its intentions. Even though I was the higher bidder, the bank 's apparent goal was to clear its books then write off the difference either way. 

Now, I have no property and am {$1000.00} poorer, while US Bank continues to do its business on people without any conscience. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Results Unlimited Inc, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX Virginia XXXX, used a Writ of Fieri Facias to obtain my bank accounts. They improperly did so, the lawyer 's they hired to go to court for them used the wrong address on the Writ, I was never served and the Writ says " Not Found ''. " Not Found '' was supposed to stop them from going any further at that point. They have since sent me a copy of this via mail at the correct address, even though my correct address has been in the court documents since the beginning. They obtained my bank account information and sent a lien to my bank over a week before the process server date listed on the Lien Notice they sent me. The Lawyer 's say they are only their stand in 's in court and ca n't help. Results Unlimited says they refuse to remove the Lien unless they get {$1500.00} and a payment plan. They violated my due process rights and are committing fraud by holding my bank account with an invalid lien. They committed fraud to my bank by sending them paperwork that said they had a valid lien when in fact they did n't since I was never served. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have contacted American Revenue Management on 5 separate occasions about an unknown entry they have placed on my credit. 
I find it immensely frustrating that they will not acknowledge my complaint/dispute however they continue to discuss the matter with the credit bureaus and have advised them that the account belong to me. 

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