AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I opened a credit card with XXXX issued by Barclay 's cards XXXX after seeing a promotion from XXXX that if I will spend {$500.00} or more within 90 days I will receive XXXX miles as reward in my credit card. I applied for my credit card in XXXX XXXX and spent more than {$500.00} in XXXX XXXX ( statement is attached for you reference ). Till today ( XXXX/XXXX/XXXX ) I have not received any miles in my card. 
I made numbers of calls to XXXX customer care as well as Barclay 's card. I called Barclays in XXXX XXXX to inquire about the earned miles ; they said it will credit in month of XXXX, XXXX after a billing cycle. Again I called to Barclays for this issue in first week of XXXX, XXXX. They said that XXXX has given wrong member id because of which miles not has been showing my fly XXXX Member # : XXXX which case number from Barclays were XXXX and mentioned that it will transfer in 10 business days. After this all communications my miles has been not transfer to correct XXXX Member # : XXXX numbers. 
I again called to both companies in the month of XXXX XXXX. They said that they are investigating the issue and it will take another one month for transferring these miles. After 4 months, after all this call on XXXX/XXXX/XXXX XXXX just provided complaint number XXXX. They said it will be resolved within 10 business days. Today ( XXXX/XXXX/XXXX ) again I called them and still they are saying it will take time as they are investigating the issue. I am highly frustrated with this disservice by XXXX and Barclay and feel I have been cheated. I want escalate this issue and want solution for this problem. 
My fly XXXX Member # : XXXX. Please help me. 
Barclays card number XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Trans Union I sent out letters to Truns Union about charges off that do not belong to me come back unpaid bal some used the cards and the wrong name on the cards they will not take them off also my information was used by someone what I get from Trans Union the run around if keep up I will take legal action they do not keep up with laws and just gave me the run around. Also the accounts went to collection company they are being sued. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX BankAmericard began charging a {$59.00} annual fee. I opted out of the change in terms which meant I would pay off the balance under the prior terms. However, I was charged the {$59.00} fee in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. For some reason they did not charge me in XX/XX/XXXX, but I have never been refunded for the other 4 years of fees and related interest charged on those fees. I have complained each year which is probably why it did n't get charged in XX/XX/XXXX, yet nothing has been done to correct the prior billing. I want to pay off the balance now but am not going to pay these fees totaling {$230.00} + interest. I would appreciate some assistance in resolving this issue. I have limited access online to statements etc. but have included what I can for now. Every year when I call BofA, they say they are " correcting '' it as they did 2 weeks ago when I last called, but I never hear from them again until I see the bill the next year and call again. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I XXXX are requesting as of XXXX/XXXX/2016 a temporary credit freeze be place on my credit file at XXXX XXXX and trans union and all other national credit reporting agency. 

Company response: Company chooses not to provide a public response
Consumer complaint: Pacific Union Financial by law is obligated to pay my insurance on time as long as I am not 30 days late on my payment. they are three months late on paying my insurance. Secondly, when calculating my RESPA they calculated the account wrong and by law I need to receive an initial and current RESPA analysis in writing within 30 days after initial and current calculations and have received no mailed documents at all. Thirdly, by federal law the maximum allowable escrow cushion is XXXX of total escrow in 12 months and Pacific Union Financial has more cushion than that. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: WELLS FARGO DEALER SERVICES MADE A HARD INQUIRE ON MY CREDIT REPORT AND I ASKED FOR PUT OF THE HARD INQUIRE BUT THEY HAVE FAILED TO DUE SO 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received notice that their may be fraudulent activity on my card as there were several purchases in states across the country. XXXX, XXXX XXXX, a truck rental company and a jeweler. Some of those charges were reversed immediate, some not. During that investigation the fraud specialist and I noticed that there were also XXXX {$500.00} ATM withdraws at banks through-out my city of XXXX as well. 

Those ATMs were at the same bank, but not my bank ( BOA ). At that point, I was transferred to a claims specialist. The claims specialist took notice of those charges and provided a credit while investigation took place. 

After approximately 4 days it was determined that the fraud claim was refused. Upon calling, they said that it appeared that there was a card in hand during the withdraws. Obviously, I was not traveling across the city on multiple days to multiple ATMs taking out {$500.00} each time -- when there were also odd charges through-out the country. 

I called bank BOA and spoke with another claim specialist and she said that the fraudulent charges from different small businesses was not noted in the overall investigation of the ATM fraud claim. Disappointed in their " investigation '' I asked them to re-open claim due to the obvious gaps in the facts and previous acknowledgement of breach with the first specialist. 

At this point, I am very concerned that I will loose {$2000.00} because they have n't done their due diligence in recognizing the additional charges and their quick to reply refusal of the claim. Also, to send a letter denying the claim is awful customer service. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I Keep Getting A Auto teller Telling Me I Owe A Debt To Press A Number And I Am On The No Call List..I Told Therm Not To Call My Cell Phone The Auto Teller Still Calls 

Company response: Company chooses not to provide a public response
Consumer complaint: Inside of my background reflects a offense of XXXX this charge was dismissed and expunged and should not reflect in side of my background. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Once a card is issued at a set rate can the credit card company increase the rate if I am and have been current with all my cards for decades ( never late ) 

Company response: Company chooses not to provide a public response
Consumer complaint: I am more than certain that my ex-spouse has used my ss # without my consent. We have been divorced since 2006. I really don not know what type of loan this is, but I have never inquired to this entity. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The credit bureau did not perform a proper investigation of the public record that is on my file. I contacted the courthouse, and they advised me that they do not verify directly with the credit bureaus and that they do not have a file on me at my name and address and entire SSN number. So, I need to know how did they verify the inaccurate bankruptcy that is on my file? If it is through a third party, then that is in violation of the FCRA. I need for them to verify this with the courthouse. 
Furthermore, I asked them to perform another reinvestigation of the items on my credit report in accordance to the FCRA, Section 611, part B, subsection ( iii ). Please see the attached letter. They never sent me information that was required. This letter was sent to them certified. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX XXXX our payment increased on our second mortgage loan. I started the modification process with SLS mortgage and still have no resolution. They do n't call me and when they do I found out they do n't leave messages. They have my address wrong so I have n't gotten any communication from them denying my request for modification. When I called they said they were working on it. Turns out it was denied and no one bothered to tell me. It was denied on XXXX/XXXX/XXXX and I called and found out of the denial on XXXX/XXXX/XXXX. This is causing stress, delinquencies on my credit report. I understand we needed assistance on the mortgage payment but they were supposed to do their part too. They are rude and condescending to me when I call. I am not in a situation to refinance so I am stuck dealing with them and they are making it impossible. 

Company response: Company chooses not to provide a public response
Consumer complaint: Allied collection services ( ACSI ) harassed me by calling repeatedly often times back to back. 
I spoke with XXXX at ext XXXX today and was told, " my account will be reported as delinquent to the credit bureaus TODAY. '' I asked her how she knew for sure and she told me that because my account was with them for 30 days, it could report any/ each day. When I asked if I could make a payment free of charge, she said no. When I asked if I could pay sprint directly, she said, " no you can not pay them because they can no longer access your account. '' When I asked if I could mail in a payment, she told me to mail it to XXXX directly. I questioned her about her contradiction and was told that they could abrupt my payment, but I could not pay them directly. I asked for an address to send a money order again and was given a general address for ACSI. 
Upon hanging up with XXXX, I immediately called sprint directly, spoke to an agent and made my payment. That agent assured me that the payment info would cancel ACSI 's collection attempts. ACSI/XXXX egregious and belligerent lies and tactics are completely unacceptable! They should be fined for such behavior or at the very least, we as consumers should be afforded some kind of recourse against this disturbing behavior demonstrated by allied collection services Inc 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a collection agency trying to collect a XXXX bill for {$240.00}. I have cleared this with XXXX. This is fraud. They said they were going to clear it up but so far it has not happened. Someone used my name and address but a different SS. Despite that, the derogatory collection issue is still showing on my credit report and the collection agency is still calling me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I began making payment to my mortgage on a bi-weekly basis in XXXX 2015. I sent SLS {$1200.00} electronically every 2 weeks. 
I wrote letters to SLS stating that all payments should be applied to my regular monthly mortgage ( any excess of {$2400.00} would be applied to the principal ). I have paid my mortgage 1 month in advance since the XXXX 2015 payment. SLS continues to misappropriate the funds, add late fees to my account, and send me delinquency notices. 

Company response: Company chooses not to provide a public response
Consumer complaint: On or about XXXX XXXX, 2015 I received a message from Citibank advising me that due to suspicious activity on my account ending in XXXX another card was being issued. The message stated that I could still use the card XXXX until the new card arrived. I checked online and noticed numerous charges on my account ending in XXXX. I had given the card to my son, XXXX XXXX to use in an emergency. I tried to contact XXXX to tell him to stop using the card. I was unable to contact him. I called XXXX and spoke to XXXX ( I.D . # XXXX ) on XXXX XXXX, 2015 and asked her to freeze the account. I checked my account later and found that more charges had been applied to acct. XXXX. I called Citibank again on XXXX XXXX, 2015 and spoke with XXXX. She said a freeze was applied to the new card issued XXXX but not applied to XXXX card. I told her that made no sense as I had not received card XXXX. She agreed and apologized for what she called " the confusion ''. I told her I was not responsible for charges after XXXX XXXX as I had requested account be frozen. Account XXXX was closed and another card XXXX XXXX was issued. I checked my account later and all charges after XXXX XXXX, 2015 were still posted to my account. I called on XXXX, 2015 and spoke with XXXX . He said he would " take care of it ''. I checked my account again on XXXX XXXX, 2015 and all charges were still on my account. I called Citibank again on that date and spoke to XXXX ( XXXX # XXXX ). I checked my account later and charges had been removed from account. I checked my account XXXX XXXX, 2015 and some charges had been reapplied to account. I called Citibank and spoke to XXXX, then XXXX in Florida office. I was told that phone conversation from XXXX XXXX, 2015 would be reviewed and I would be receiving a letter from XXXX I have heard nothing from Citibank since and charges are still posted to my account. Since I was unable to contact my son and tell him to stop using card XXXX I felt my only option was to have the account frozen. I was told this was done. It was not. My agreement with Citibank states that I am not responsible for unauthorized charges. Charges made after XXXX XXXX, 2015 were not authorized because I had requested that account be frozen. Citibank seems to be refusing to accept responsibility for a mistake made by their employee. 

Company response: Company chooses not to provide a public response
Consumer complaint: After month 's of a barrage of marketing material for Citi Advantage ( XXXX ) XXXX Card to replace my XXXX XXXX card from a different bank, I accepted their offer for their card. As part of this deal they promised XXXX additional bonus points if I used the card within 3 months of opening it. In early XXXX XXXX XXXX ) I received a marketing piece in the mail from them that on the front page stated, 'Last Chance Earn XXXX Bonus Points. ' In early XXXX. I charged {$3600.00} on this card, which I paid off in XXXX ( XXXX ). 
I recently reviewed my account and did n't see the XXXX bonus points credited so I emailed them. I received a response that my offer had expired, so no points would be credited. They did not respond to my questions about their early XXXX marketing material and my 'Last Chance ' to earn these points. 
Honestly, I may be outside they claimed 90 days from when their card was issued, I ca n't imagine by too much as I did put this card away for my XXXX shopping. However I submit that their marketing material induced me to use their card, which clearly stated it was my 'Last Chance. ' I also think they know they are wrong and probably have thousands of other customers like me who now are just a little bit unhappy with their Citi XXXX XXXX XXXX card. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made my mortgage payment and received confirmation on XXXX/XXXX/2015. I received email confirmation and postal confirmation that my payment posted on XXXX/XXXX/2015. I contacted the Bank on XXXX/XXXX/2015 because the payment had not posted. The rep indicated that the payment is on file and was probably delayed due to the Holiday. I received notification today that I am 30 days delinquent from my credit monitoring service and that they never received payment. I have both confirmations. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX accounts that are reporting incorrectly 1 Nj Federal court say loan type credit card chapter XXXX account # XXXX 2 XXXX XXXX account # XXXX this is being reported incorrectly 3 XXXX account # XXXX this is also being reported incorrectly 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have never been to this Dr. And they are trying to collect money and they have reported it to XXXX and XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The last payment on this account was XXXX XXXX claim the last payment XXXX I wrote XXXX a letter asking for a payment identifier for the last payment the only thing i got was who the account was sold to so i contacted XXXX XXXX XXXX XXXX XXXX and spoke with XXXX on XXXX at XXXX she advised me that XXXX XXXX XXXX n't have the account. How can XXXX report to the credit bureaus the last payment but they ca n't send me the last payment identifier. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX 2014 I applied and was accepted for a XXXX XXXX Premier Rewards Visa Signature Card. I chose this card amongst others solely because the benefit of " Bonus Award Nights '' given the tradeoff of having a Hard Pull on my credit history and a {$75.00} annual fee due on my XXXX statement. Without warning, 6 months later XXXX XXXX and US Bank have pulled a bait and switch by removing the " Bonus Award Nights '' feature from the card, essentially wasting my Hard Pull and {$75.00} Annual Fee. This is bad business and not fair to the consumers thus I expect a fair outcome for everyone. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015, I was contacted by Di-Tech and informed that my escrow account had a shortage. I was given the option of having the shortage rolled into my monthly mortgage note or to pay the difference so the mortgage note would keep its regular balance. I opted to pay the {$320.00} to keep my mortgage note the same so I paid the balance over the phone. I was contacted 3 weeks later by Ditech with the same exact scenario. I told them I had paid the balance and asked them to update their records. Every three weeks thereafter Di Tech has contacted me telling me that I owe money and then charging me late fees. For example, on XXXX XXXX 2015, I sent my monthly mortgage note to Di-Tech. I received a call on XXXX XXXX saying that they had received a payment and I needed to pay over the phone to avoid late fees. After paying over the phone, I found my XXXX statement which showed that they had received the funds but the funds had been " unapplied ''. I have spoken to several supervisors about this issue and each supervisor looked over the account notes, apologized profusely, and told me they would sent me an update escrow analysis sheet. I have yet to receive XXXX updated escrow analysis sheet. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I received a letter from IL XXXX XXXX XXXX XXXX saying they were going to get a judgement against me for Jefferson Capital services, LLC for an original debt to XXXX XXXX. I do n't believe I ever owed a bank by that name and if I did it was many years ago. I believe I have paid off my old debts and this does not appear on my credit report so I suspect it is a fraud. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Back in 2008 I obtained a " predatory lending " loan from Wells Fargo. ( interest only ) My principal amount goes up every year. I have applied several times to Wells Fargo for a loan modification, with no luck. I need to do something before the bank takes my home. 
My first mortgage is $ XXXX and my second $ XXXX. Estimated house value {>= $1,000,000}. 
My income is {$4200.00} per month. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I purchased a New XXXX Dodge Dart from XXXX XXXX. This vehicle was a Lemon and at XXXX miles the Head/Upper Engine Block failed, I took it to be repaired and after attempting to blame me until I verified the Oil I performed my XXXX oil changes with as being appropriate The dealership repaired the vehicle. My confidence in the vehicle was broken and I went online to XXXX to complain. The XXXX company responded via a Public relations spokes person. 
I received a XXXX % employee discount and rebates toward the purchase of the vehicle. 
Unknown to me at the time of purchase the cost of the Lemon was " rolled into '' the cost of the new purchase. 
I am now contracted to pay XXXX on a vehicle appraised at XXXX In addition I testified against the Veterans Administration and gave congressional investigators information. The VA retaliated and my pay was affected. 
I went to work for the Texas Department of Criminal Justice and currently earn XXXX LESS per month. 
This affected my ability to pay my XXXX loan payment monthly. 
After receiving and recording threatening Phone calls from Regional Acceptance Corporation, I asked for a supervisor to speak to me regarding my case. 
The Head of the XXXX office spoke to me and arranged a separate arrangement wherein I paid XXXX per Month to " Catch Up ''. I made Five Payments, those payments were documented as being XXXX with the consumer credit bureaus and the website. It is notable that during this good faith payment attempt, I was purposely mis-documented and reported, a repossession order was claimed and shows up on my credit reports. 
When repercussions of my ongoing retaliation from the VA again affected my Pay, The account was closed and Because I was unable to make more than a good faith payment on one occasion. 
I formed a trust because I am unable to continue making exorbitant payments on a XXXX Dodge Ram of XXXX when the value of the vehicle at its highest possible valuation is XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response