AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: The US Air ( ways ) and XXXX XXXX merger has created many problems for me as a credit card holder. I have been issued about XXXX different card numbers because of the merger, and supposedly there will be at least XXXX more. At the merger, each card number changes, the prior account is no longer available, and it creates a lot of problems for direct billings that the card holder has and is expected to notify those companies that direct bill with each card change. This is not an easy task, and who knows what happens to a credit score during this process, and changing the credit card is very time consuming both for the card holder and the business and seems to significantly interfere with the time, responsibilities, and work for each since most account changes need to be made between XXXX - XXXX, M - F. 
The most annoying change has been with Barclays, XXXX, and how many of the rules have changed in terms of cut off time to pay which is now XXXX Eastern ( I live in Central Time Zone ), and how likely they are to assess late fees and finance charges beyond XXXX of the day the bill was due. The cut off time is totally ridiculous when the credit card company is held by a XXXX and presumably is a national credit card. The prior US Airways credit card had a lot more leeway without being assessed late fees and interest rates, and easy and fair removal of the late fees and charges. The XXXX card change after the merger was a XXXX XXXX XXXX card which looked exactly like the prior XXXX XXXX XXXX card, except had a new account number, but all of the additional printing on the card seemed to be the same. Was this change essential?? It did n't appear to be. 
Barclays also has on the recording when phoning in to access the account they request the account holder to provide the FULL social security number or the FULL credit card number. This seems to be outrageous ; under XXXX XXXX XXXX we had to provide the last XXXX or XXXX digits of the credit card number AND the zip code. The request that Barclay makes seems to be ripe for issues of identity theft, then you must provide additional private information when you speak to an associate. I think the request for the full social security number or full credit card number is excessive, especially when they also ask for the zip code for the billing address. It is possible that the security system was designed by programmers in the XXXX ( sp ), where this information is likely not considered protected and private information. Supposedly there will be yet another credit card change, which initially was going to be ANOTHER card within 6 weeks of the card that was required to be used by XXXX XXXX ( or so ) from Barclays! The merger has created lots of extra work for credit card holders, and providing too much information via phone that can lead to customer fraud and identity theft. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am reaching out after experiencing the most frustrating phone call with your Customer Service Representatives. 
In XXXX XXXX, my XXXX financed through Ally Financial was totaled. My personal insurance and GAP insurance covered the expenses leaving a $ 3,300+ balance for me to pay. I call Ally Auto to inquire about the payment terms/dates in late XXXX early XXXX. I was informed I would not have to resume payment until XXXX after my original contract date was up. I was excited as that would afford me the funds to purchase another car, keep my job, and stay current on my student loans. Yay me! I asked for the billing statement for my records. Received in the mail shortly after and moved on with life. 
Fast Forward : In late XXXX I pulled my credit report. I noticed that there were XXXX 30 day late payments on behalf of Ally. I was sure that those were erroneous as I entered into a payment arrangement. I called and after being transferred a few times I reached a very helpful gentleman that recognized the error and put in a request to be overturned. As we ended the call he informed me that my next payment was due XXXX XXXX, XXXX. In complete shock, I asked why and informed him of the situation outlined above. He followed up with another department and told me I would receive a call back and if not to call in XXXX weeks. 
Today, XXXX XXXX, XXXX : I never received a call and took it upon myself to reach out since then I received a new bill in the mail with the XXXX XXXX date. After being transferred a few times I reached XXXX badge no. XXXX. At first I was happy, she was going to help right? Wrong! I explained the issue that I was told in writing that my payment was n't due until XXXX. She explained that there was nothing that she could do except for transfer me to make a payment arrangement for the current due date. I explained that I have since rearranged my life and I do n't have an additional {$500.00} to pay based on information Ally provided. 
After trying to convince me that the payments on the account were still pending until XXXX, I went back to my file and pulled documentation stating that both policies were paid out in XXXX/XXXX XXXX. So why would a reassessment of my account take place in XXXX XXXX? She then told me that it was policy. Ally requested an extension to find out why GAP did not cover the remaining balance. Here is my issue. Ally never informed me. I never received a call, letter, or e-mail stating this, and that the billing date once issued could change as a result of this extension. Also, why would this take an upwards of 5 months to complete? After requesting to speak to a supervisor she told me no one would take my call, but I will receive a call within 2 days telling me that nothing could be done. My question to whomever is reading this is : Can something be done? I want to be responsible, but I would love to be met half way and that the error be acknowledged. 

Company response: Company chooses not to provide a public response
Consumer complaint: Upon pulling my own credit report, I found out that I had an account in collections with National Credit Systems from a previous apartment complex. Upon contacting them, they were given no contact information at all to attempt to contact me. No phone numbers, no address, no reference phone numbers. Also no attempt was made by them to retrieve this information from the apartment, yet I am being told that this item can not be removed from my report because they made every attempt to contact me. What attempt was made? I contacted them as soon as I found out yet I am being penalized for their poor attempt at collections? I would like this issue addressed. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I am a member with USAA Bank and I have been having a problem with them because of a scam i fell for. The scam was an employment scam. The scammer contacted me with an employment opportunity. Subsequently, I cashed a check that they emailed me and wire transferred it into another bank because of the story they told me ( the whole conversation was documented ). After depositing the check and wire transferring it out to XXXX Bank, i figured out this was a scam. I immediately called USAA to tell them what happened so actions could be taken to stop all further transactions. Unfortunately, the representative i spoke to did not inform me of all actions that I could take and the my overdraft protection, that i have on my checking account, kicked in and I was charged with the full amount of the check ( approximately {$7900.00} ). I continued to speak with different representatives and departments within USAA but I always felt like I was getting the run around and no one really wanted to help with the problem. At one point, an USAA representative stated that she would get in contact with XXXX Bank on my behalf to try to resolve the problem, that never happened. I spoke with XXXX Bank about this problem and their Fraud Dept said that they would put on inquiry into the account that the money was transferred into, but could not do anything else. The XXXX Bank representative said that my bank, USAA, would have to get in contact with them for anything to proceed any further. Again, USAA did not want to help this problem and said that I am responsible for all money that was charged due to my overdraft protection. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I bought a travel package deal with my husbands credit card and we were both going to travel to XXXX. The promotion price was {$1100.00} for 7 nights. the resort charged the total amount, then only returned our deposit of {$350.00}. Then our money was returned and Citibank allowed another transaction to be charged, they billed our credit card the balance of {$820.00} which I had already told Citibank not to do and they went ahead and let the charge be applied to our citi credit card and now refuse to help me get the money refunded. So we did receive a total refund, but then citi bank allowed another charge of XXXX to be added to my card. If I had not called to check on my reservation the day I was to catch the plane, I would not have known that it was cancelled. 

Company response: Company chooses not to provide a public response
Consumer complaint: I wanted to transfer, on Pen Fed CU website, money from our checking account to IRA account. The IRA account was not available for transfers. I called and ask why it was not available. I was told that this kind of transactions is prohibited by law - because of reporting requirements. Is there a law/regulation that prohibits electronic transfer of money into IRA account form checking/savings account? 

Company response: Company chooses not to provide a public response
Consumer complaint: Someone named XXXX XXXX, phone number XXXX called my cell phone on XXXX different occasions and left voice mails stating he was calling for " verification request for a valid address and name of employer to process a claim against me with the Attorney General for claim number XXXX. '' He also stated I needed to call XXXX to resolve this issue ''. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I reside in XXXX i purchased a used car 7 months ago and was never presented a copy of the contract the loan is threw go financial there operation of business is located in XXXX i calledthem and ask for a copy they sent it in the mail and to my discovery they are charging me 27 % intrest which is a violation of XXXX and XXXX Usury laws it is 18 % over what XXXX laws allowed and 17 % over XXXX laws i also discovered my signature appeared to photo copy and place the the signature line as if i sign it i am very knowledgeable in contract law in meaning i always sign without prejudice UCC 1-308 & UCC 1-103.6 then my signature following with UCC 3-402 ( b ) ( 1 ) that mean the dealer who i made the purchase threw violatedUCC 3-302 THE HOLDER DUE COURSE, because it was not a good faith contract, and the Dodd Frank Act and its a violation of the hobbs act as well. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This was a complaint filed in 2014 and I NEVER received any emails from you and I never received XXXX phone call from Barclay. They have not reduced my credit card rate, I was promised i would not have to pay any interest or late fees. they have done nothing to help me except provide legal aid this is a joke. every other credit card helped me and this one will not. they are affecting my credit report severely and i can not believe that they sent generated responses as well. i have managed to pay down this card from XXXX to XXXX with late fees and interest. i am on XXXX the XXXX is not mine. they are absolutely not helping or taking responsibility that they were required by the law to provide the phone number of the woman that forced closed my account and gave a phone number. they allowed themselves to give out information to someone pretending to be me. they are rude vindictive and need to backtrack and remove all fees accrued because at this point the card would be paid and i want the negative score off of my credit report. i already sent them XXXX letters the next XXXX will be certified and they have 30 days to do so by law or the credit reporting agency has to remove it from my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: LAST FRIDAY I WAS CALLED TO DO THE CLOSING OF A HOUSE THAT I WAS TRYING TO BUY,THE TITLE COMPANY(NU WORLD TITLE,LLC)TOLD ME I WAS GOING TO NEED A GIFT FROM A FRIEND FOR THE AMOUNT OF 3700.00,THAT CALLED MY ATTENTION BECAUSE I HAD ON MY ACCOUNT ENOUGH MONEY,AFTER CLOSING I HAD A BALANCE OF MORE THAN 6K.
AFTER I SIGNED AND THEY GAVE ME THE HUD-1 ON FRIDAY NIGHT THEY INSIST IN THE GIFT AMMT TO BE TRANSFER TO THEM,ON SATURDAY I RECEIVED MY KEYS AND I MOVED IN OVER THE WEEKEND,ON MONDAY THEY STARTED CALLING ME FOR THE GIFT MONEY AND I REALIZED THAT THEY NEVER GAVE ME THE WARRANTY DEED,TODAY AFTER SEVERAL CALLS MY REALTOR JUST INFORM ME THAT WE NEVER DID I CLOSING AND THATS WHY I DONT HAVE A WARRANTY DEED,NOW IM LOST AND I DON'T KNOW IF I HAVE TO PAY MORE MONEY OR IF I DON'T AND I ALSO WAS TOLD BY MY REALTOR THAT THE MONEY I PAYD FOR INSURANCE(XXXX) IS NOT INCLUDED IN THE CLOSING COST AND THAT'S WHY THE AMMT I PAYD OVER THIS PROCESS IS NOT THE SAME THAT THE ONE IT'S IN THE LINE#XXXX OF THE HUD-1.
CAN SOMEBODY CLARIFY WHAT IT'S INCLUDED IN CLOSING AND DO I HAVE TO LEAVE THE HOUSE AFTER I MOVED.THANKS IN ADVANTAGE AND I'M WAITING FOR A PRONT RESPONSE.
Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I was contacted at work this morning by a clamming to have a certified envelope for me and he wanted to not serve me at work. I told him I could meet him in the lobby, but then he said he was not on he premises but for me to call the toll free number to pick up the envelope locally that once a called I wo n't be served at the office. I called the number and was told that there was no envelope to pick up in XXXX where I work or in XXXX where I live. That the man who called did not work for United Compliance Services. That makes no sense since he is the person who gave me the number to call.The woman then said I would be garnished for a pay day loan, that I was already garnished for in full fin 2013. I told her she had the wrong information and she said that everything was already verified and that if I did n't agree to pay her {$350.00} immediately I would be jailed and garnished again. I told her that I was not agreeing to anything that was not in writing since she had the wrong information. I was not paying the debt XXXX. She said had no choice but to send the garnishment to my employer and then hung up. 
This is really a problem for me since I have already paid this to the original place XXXX XXXX XXXX. There is a mix up, and I do n't want them to threaten or harass me especially at work. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a credit card XXXX XXXX XXXX XXXXI have a balance of about $ 3500I am a XXXX XXXX veteranliving in a retirement home -- XXXX years oldThey are bialling me at {$290.00} per month- I can pay about {$100.00} -Macy is crrentlyf ining me each month I want to pay and have been paying my account up to date for several yearsCan I get a mediation?? 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a few XXXX credit card account 's with my wife, however, there is an individual past due XXXX account listed on my credit report, as an individual account. I have never had an individual account with XXXX. I have asked for copies of documents, to no avail. This is not my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently disputed a claim on my credit report last month about a company called Accelerated Financial Solutions who had turned in a bad credit on my report. They had that the original creditor was a XXXX XXXX XXXX. for XXXX {$.00} I do not know who these people are and have never heard from them before. So the credit bureau was looking into this and undoubtedly contacted them. I get a letter today XX/XX/XXXX telling me that I owe these people this letter is from them so I called them and talked to a person which unfortunately I did not get her name but I called to tell them that I was disputing the claim and she asked me if my last XXXX social security # was XXXX and I said yes then she asked me if I had had an account with this certain bank in XX/XX/XXXX. I told her yes I thought I did at that time. She then preceded to tell me she was a debt collection company and that they were trying to collect a debt that I owed in XX/XX/XXXX from this XXXX XXXX. I told her I had never had an account with this company and that no deposit of XXXX dollars was made into an account on XXXX XXXX for me from a loan. I also told her that just because she had the name of a bank I had banked with and my social security number did not prove that I owed this money that you can get that information off of the internet on sites that you look up background information on. She then informed me that unless I send them my statements from the bank to PROVE to them with in 30 days the debt would stand and they would not take this off my credit report. I thought the law stated they are the ones who had to prove the debt was owed and also had to supply me with the original creditors. Then on top of everything else they actually have this on all XXXX credit reports listed XXXX times under XXXX different account numbers and after I got off the phone with them I called my bank told them what was going on and they have supplied me with those statements and no where on the statements does it show me having a deposit of XXXX $ It shows my XXXX check going through but that was a totally different amount. It also shows that before my XXXX check went through I was over drawn and when the deposit came through it showed the overdraft being taken care of it also does not show a amount being debited or credited for that amount on or around XXXX XXXX of XX/XX/XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am XXXX XXXX, a XXXX at XXXX XXXX. Branch banking and trust ( BB & T ) has caused mental harm and undo stress on me because of overwhelming, unfair returned check fees. They recently charged me XXXX returned fees for XXXX item. They refused to reimburse these fees to me. I can not afford to continue to be treated this way. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a correction to my previous submission : Case # XXXX. 
In my complaint I stated the creditor that was being reported on my credit as XXXX XXXX XXXX. It should have read " XXXX XXXX XXXX ''. 
Since your website does not have a place to correct or add information, I submitted this form. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid the account in full. XXXX. I have a copy of the letter and the check that XXXX send to me for overpaying the bill. I have sent the letter to each credit bureau. They are disregarding the letter and check that was sent to me by XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am writing this letter regarding my mortgage loan I have had since XXXX, XXXX for my house. My involvement with the Loss Mitigation Department of Shellpoint Mortgage Services began in early XXXX XXXX. 

I had an unexpected downturn in my business in XXXX XXXX, which resulted in a significant loss of income and my inability to make my mortgage payment. I immediately contacted XXXX XXXX XXXX Mortgage customer service department to learn about the options available. I received a detailed package in the mail to initiate the loan mitigation process. Meanwhile my mortgage was transferred to ShellPoint Mortgage Services. 

I have submitted all required documents to ShellPoint Mortgage Services numerous times from XXXX, XXXX to XXXX, XXXX. When I call to check the status of my packet, I am forced to leave a voicemail. On occasion I have had the opportunity to speak to an agent, who indicates the packet had not been sent to the loan processor yet and to call back, or the packet is with the loan processor and they will call me. After repeated attempts and requests the progress remains null. 

At this point in the process it is clear that Shellpoint Mortgage Services Loss Mitigation Department is engaged in a pattern and practice, which is certainly unsupportive. I have complied with all the requests from Shellpoint Mortgage Services, however, it appears the overriding goal of the Loss Mitigation Department is to force my loan into foreclosure and take my property from me. 
I have been making payments, but remain behind and I have difficulty maintaing the payments at this point and need assistance. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am getting frustrated with the lack of updates and transparency within the short sale process. 

Company response: Company chooses not to provide a public response
Consumer complaint: I called to ask about the account that I saw in collections and informed the company that they had the wrong address. I never received the bill. I did n't know what it was. I asked to have a bill sent to me so I could review it. I was told that if I did n't pay immediately it would stay on my report no matter what. I ended up paying for it and I 'm not sure if it was my debt. They would n't give me the doctors name or anything. When I contacted the original creditor they did n't have my information. No social security numbers nothing. I 'm not sure who I gave my credit card information to. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received XXXX services and was not told the XXXX was no longer in network with my insurance. I never receiving a bill from XXXX XXXX XXXX in XXXX SC. They reported the amounted owed to a Collection Agency, XXXX. As soon as I saw this on my credit report, I paid it. It remains on my credit report. I have contacted both XXXX and XXXX XXXX XXXX with no results. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: The debt was on XXXX separate accounts with Citi Bank and have not had payment activity since 2006. XXXX XXXX evidently purchased from Citi Bank and is reporting to the XXXX Credit Bureau 's. I tried to settle and ask for verification from XXXX XXXX but they have not replied the last correspondence was over a year ago. 
I believe the debt is beyond the statue of limitations for collection and reporting to Credit Bueraus. 
I do not thave he complete account numbers on the accounts. Only the first numbers. # 1 acct : XXXX. # 2 acct : XXXX as shown on the credit report. Credit Buerau indicates accounts being disputed by consumer. 

Company response: Company chooses not to provide a public response