AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have had a XXXX XXXX for years that included as the primary benefit, annual companion tickets as a reward. There is a substantial annual fee. Upon renewal this year, I did not receive my companion tickets. When I called, I was told that the companion tickets had been discontinued. I was not made aware till after the fee. I receive all communcation electronically and did not receive in sufficent clarity to know that the primary benefit of the card 's annual fee had been discontinued. I was also told that there was another card with a higher fee that still has the benefit. And then I was told they do not offer it period. 

As a matter of course, the product should have been cancelled and made clear that it is now substantially different. There is no benefit to the annual fee. I asked that my annual fee be refunded. I was denied. 

Due to the poor communciation concerning the elimination of the reward program associated with the fee, I want my tickets or a refund. 

Company response: Company chooses not to provide a public response
Consumer complaint: info : at XXXXXXXXWelcomeA Citi representative will help you in approximately XXXX minutes XXXX seconds. 
info : at XXXXXXXXFor your protection, we 'll never ask you for passwords, PINs, User IDs, security words or any part of your social security number during a chat. Other information may be required to help us verify your identity. This chat may be recorded or monitored for quality purposes. 

You are now chatting with XXXX. 
XXXX : at XXXXXXXXWelcome to Citibank , my name is XXXX . How may I assist you today? 
XXXX : at XXXXXXXXGood morning XXXX . 
XXXX : at XXXXXXXXI hope you are doing well today. 
XXXX : at XXXXXXXXi have called the XXXX , NJ branch 7 times in order to schedule a notary appointmentXXXX : at XXXXXXXXno one answers. you closed all the branches in NJ but for this on on the other side of the state from meXXXX : at XXXXXXXXwhen i call they are busy and route me to the main computerized help serviceXXXX : at XXXXXXXX1/2 of those times you guys call and ca n't get throughXXXX : at XXXXXXXXI 'm sorry to hear this from you. 
XXXX : at XXXXXXXXso my concern is i pay {$25.00} for a checking account per monthXXXX : at XXXXXXXXand no one can help me get a notaryXXXX : at XXXXXXXXI 'll be glad to provide you the direct number of a branch. 
XXXX : at XXXXXXXXi ca n't travbel to citibank in XXXX just the schedule a notary on another dayXXXX : at XXXX can imagine this. 
XXXX : at XXXXXXXXi called that number XXXX times in three days ( and you guys called a XXXX times if you check my files ). 
XXXX : at XXXXXXXXis there a manager i can complain toXXXX : at XXXXXXXXbecause i am on the verge of shutting down my account altogetherXXXX : at XXXXXXXXI can imagine this XXXX. 
XXXX : at XXXXXXXXor maybe you want us to do that based on these issuesXXXX : at XXXXXXXXIn this case you can call our Citiphone team and complaint to a manager. 
XXXX : at XXXXXXXXyes i did that and they were busyXXXX : at XXXXXXXXso now i am chatting with youXXXX : at XXXX, I noticed that there is a state website for notary services. 
XXXX : at XXXXXXXXwhat does that meanXXXX : at XXXXXXXXI can help you with that link. 
XXXX : at XXXXXXXXPlease click on this : State Notary. 
XXXX : at XXXXXXXXthat a free service for my paid account though ... why ca n't you call and make that appintment for me ... i am here waitingXXXX : at XXXXXXXXif that 's the best you can do there is noXXXX : at XXXXXXXXpoint paying you {$25.00} for an account per month and XXXX brnaches in my area and no one picking up the phone at the branchXXXX : at XXXX, I would 've definitely done this if I had access to a phone. We do not a facility to reach out to our Citiphone team being in a chat 's communication center. 
XXXX : at XXXXXXXXthat link says i pay {$35.00} for the state to do it ... will you pay that fee since you are n't giving me what was promised or do i complain to the banking regulator about this? 
XXXX : at XXXXXXXXI can understand this XXXX . 
XXXX : at XXXXXXXXor will complain to cfpb and fdic thenSend 

Company response: Company chooses not to provide a public response
Consumer complaint: I have reached out to Alliance Interstate to make a settlement on a XXXX XXXX account. After multiple discussions with collection specialists, I asked for clarity on the reduced settlement amount that I was offered. Allied interstate refused to provide me in writing prior to making the settlement payment of {$1500.00} that this is the amount that they offered to pay. I then asked to speak with a collection manager and was told that the manager was not on duty by XXXX XXXX. Per XXXX, no letter can be sent until after payment to reflect settlement. He initially refused to allow me to speak with a manager. I was then transferred to XXXX XXXX who then admitted that he was a collections specialist and not a manager. I then transferred to XXXX XXXX who identified herself as a manager. She initially told me that following payment on my settlement, I would receive my confirmation in 7 to 10 days. She then refused to answer any further questions and transferred me back to XXXX XXXX. I am now being told that I will not receive my confirmation of payment for approximately one month. I raised the concern of paying a settlement of debt without any proof of the agreement. I was told that the call is recorded and that is sufficient enough. I am requesting Allied Interstate provide me in writing confirmation of the agreed upon settlement. I was told I can not receive any proof of amount for settlement via fax or email. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello my mother opened up a Safety Deposit Box. She opened up an account with my money, she put my money in Stocks and CD 's. The Bank at the time was XXXX Bank that turned into Bank of America. My mother forgot about the funds that is in the box. She never received information about where the Safety Box moved to. Today we 're trying to locate the Safety Deposit Box. We contacted Bank of America and they do not have the box and her name is not in unclaimed funds. The Box is in her name but the stocks and cd 's are in my name. 

Company response: Company chooses not to provide a public response
Consumer complaint: USAA F.S.B ( XXXX : XXXX ) About 6 weeks ago, I applied for a credit card with USAA F.S.B by phone. I specifically instructed the representative that we wanted the Cashback rewards plus XXXX XXXX card -- we specifically told the representative that we wanted the card that offered 5 % cash back for military purchases. We were approved, but a few days later found out that the representative had accidentally submitted our application for a different credit card -- the World Mastercard. 

I have been on the phone with USAA customer service at least 5 times, and we have received no useful information yet. USAA once told me that they had pulled the record of the phone call and the manager was going to review the recording, but we were subsequently informed that USAA was still searching its records for the phone recording. We have never been given a chance to speak with a manager about this issue, and USAA has even stopped calling us to give us updates about our case. The customer service could not be worse, and it appears that after 6 weeks of time to review, USAA has not done anything to rectify their mistake. 

In short, USAA F.S.B. did not process our application for the credit card that we requested, and they issued us a different credit card that we did not apply for. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The company Pressler and Pressler has been harassing me for a few years about a previous debt i owed over 5 years ago. they send mail to my house about collecting on the amount and recently they have been pressuring the issue of setting a judgment against me. included in the mail are docket numbers and index numbers they claim are filed with our local court. i have looked up these said numbers and nothing is to be found, i search my name in the court and civil clerks office and my name is to be seen no where in their files. i feel as if Pressler and Pressler are creating fraudulent documents in order to scare me and scam me for my money. none of the documents i receive acquire a judges signature for the actions taken against me i have never received a phone call from them, i have never been given a court date to defend myself against their so called actions, every few months they send the same documents in the mail stating their actions against me. i can not find anything against me in any court documents. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Local branch manager has not responded to my request on XXXX XXXX to remove all auto drafts from my Wells Fargo accounts to other linked Wells Fargo accounts. The auto drafts continue to automatically attempt to transfer and create overdrawn accounts and excess insufficient funds and fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: Suntrust Bank did not notify me when a garnishment was placed onto my account by XXXX. I posted a deposit that was exempt from collections and they end up charging me a fee because of their failure to promptly notify me when the garnishment took place. I went to court and proved to the garnishment judge ( paperwork in all ) what had happen. Suntrust bank know that the garnishment will be removed off XX/XX/2015 according to the courts and they closed the account ending in XXXX before the XX/XX/2015 date. I just received a letter in the mail from Suntrust Bank ( which they have the wrong address on my letter ( I never lived at XXXX XXXX XXXX ) ). They have sent this wrongful debt fee to collection and damaged my credit score. My account with Suntrust was in good standing and it 's Suntrust fault they have not sent a notification when the garnishment was applied by the courts from XXXX. I do n't have a printer at the moment, but when I get one I will scan all my documents to prove Suntrust is in the wrong. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am receiving dozens upon dozens of calls from a collection agency which I discovered is Nationwide Credit Collection from XXXX for a debt I do not owe. I am not delinquent on any of my bills. These calls are arriving of late after XXXX and XXXX prior call came in at XXXX. I do not answer any of these calls. I am also receiving calls at my place of employment on a daily basis. I recognized the number from my home number and do not answer these calls but they continue to call. This has been ongoing for quite some time. 

Company response: Company chooses not to provide a public response
Consumer complaint: My CitiBusiness credit card had a transaction of {$100.00} charged to it on XXXX/XXXX/2015 from XXXX. I did not authorize this charge, nor did I knowingly or willingly purchase the goods in question for the charge made to my account on XXXX/XXXX/2015. My employment at the business for which the card was used ended on XXXX/XXXX/2015. 

The last transactions that I authorized and purchased were paid in full in XXXX 2015, with no further transactions being made or authorized by myself from that point on. 

I was unaware of this charge made on XXXX/XXXX/2015 until I received a physical letter in the mail from CitiBank on XXXX/XXXX/2015. I immediately contacted CitiBank on XXXX/XXXX/2015 as soon as I was aware of the charge and the ongoing situation with my account. 

After my first conversation with CitiBank on XXXX/XXXX/2015, it was suggested by CitiBank that I contact XXXX about the charge. I contacted XXXX immediately and their response was that the charge could not be refunded unless the request came within 30 days of the purchase. 

I did not personally make or approve the charge made to my account on XXXX/XXXX/2015, nor was I aware of it until XXXX/XXXX/2015, and I have not and will never receive any product or service from XXXX for this charge. 

CitiBank responded to my billing dispute by stating that my dispute was not made within 60 days so they declined my dispute. They did not offer any acknowledgement of how I was supposed to submit a dispute within 60 days for a transaction that I did not make or authorize, or was even aware of until XXXX/XXXX/2015. 

CitiBank has closed my account and sent the balance due to a collection agency, XXXX XXXX XXXX XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX University returned Student Loan Money to lender after classes were taken, despite this student satisfying credit requirements for fulltime status. They then provided me with a bill that they stated could be paid with student loan funds from future disbursements. XXXX XXXX then stated that this practice is no longer allowed by the government. XXXX XXXX then sent account to collections. Collections service was asked on XXXX XXXX to validate debt and did not do so within 30 days. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am being held jointly responsible for a medical debt that the parent did not pay, after I brought their child to the doctor, and I should not be. PDQ is saying, when I checked the child in, I provided my name and signed a contractual agreement, which is the financial policy, and I am responsible for paying. I agree that I did sign my name to the contract, but that contract is the attached financial policy. The language of this agreement, in the payment of services section states I should not be held financially responsible, since I am not the custodial parent. Please see that the financial policy I agreed to states only the Custodial Parent is held responsible for any unpaid balances. At the time of the visit, before, and after ; I have never been the custodial parent of the child who 's services went unpaid. There is another attachment that can be referenced to verify who the custodial parent is. That would be XXXX XXXX, the joint account holder, and only person who should be responsible for this debt. 

PDQ will be referencing forms that were filled out at the time the child was checked in, including the attached financial policy they provided to me. The contractual agreement I signed is the financial policy of the merchant, XXXX XXXX XXXX ( see attached - financial policy : payment of services section - also posted on merchant 's website and in the office ). They will also say that my driver 's license was provided. This is because I acted in lieu of the actual father ( see attached - court legitimacy documents ). The forms that I signed can provide emergency contact information, but that is the extent of what is legally allowed. The only financial power the doctor 's office has over me is to refuse services for the child, not seek unpaid medical debts for somebody else 's child. If what I have said is not sufficient, the Parental Responsibility Laws of the State of Georgia exempt me from any legal financial responsibility. They only bind the custodial parent to their child 's medical financial responsibilities. The law states that only the custodial parent is financially responsible for anything related to their child, CUSTODIAL PARENT. PDQ and XXXX XXXX XXXX is breaking the law by holding somebody who is not the custodial parent responsible for this debt. Whether I claimed to be the father at XXXX XXXX XXXX or not, I was never the Custodial parent. Bottom line. It comes down to XXXX things. First, what was the financial policy that I agreed to at the time of service? Second, can an adult who brings somebody else 's child to a doctor, who is not the legal guardian or custodial parent, legally be held responsible if services go unpaid? XXXX items answer these questions : the parental responsibility laws in The State of Georgia, court legitimacy documents dated well before the doctor visit ( attached ), and the financial policy for XXXX XXXX XXXX ( attached ). 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XX/XX/XXXX, my husband and I decided to go through XXXX XXXX XXXX, including this account. I had forgotten to cancel my automatic payment in XX/XX/XXXX and called and spoke with the Recovery department, who advised that all future automatic payments would be cancelled, as I requested, and confirmed they are receiving payments from the XXXX company and their proposal has been accepted on my account. In XX/XX/XXXX, my automatic payment still was drafted. I called Customer Service who told me I was responsible to do that online, which I disputed, because the rep I spoke with the month before did not tell me I needed to go online, they told me they submitted the update themselves. The rep attempted to transfer me to an escalation and I stayed on hold 25 minutes - I hung up and called back, the rep then stated she would have a Supervisor call me back, which I never received. The next day, I called in and requested my payment be returned because they would be receiving my payment through XXXX company. I found out two weeks later it was denied because of my obligations to make my minimum payment. My XXXX company made my payment of {$110.00} - so they received two minimum payments. When I called back and re-requested my payment be returned, the rep stated that she thoroughly documented what has happened and I should be receiving my refund of my payment made XX/XX/XXXX to XX/XX/XXXX account, because it is clear that two payments were made by me. One in error by this company. It is the holidays - return the funds to my account immediately. This is their error - I have been given inaccurate information, representatives have shown no urgency and no follow-up to complete requests, and have kept funds for a payment that was no longer authorized. The representative I spoke with from the Recovery department on XX/XX/XXXX assured me no other payments would be taken out and sure enough, the XX/XX/XXXX payment was drafted. Keeping this payment and denying my request is unjust and unfair. I pay you every month - and prior to going into consumer credit counseling, paid you much more than the minimum payment. Please return the {$110.00} from XX/XX/XXXX to my checking account. It might not be a lot of money to you, but it is to us. 

Company response: Company chooses not to provide a public response
Consumer complaint: Mu name is XXXX and last month I submited a mortgage payment to Loan Care Service Center, XXXX XXXX XXXX XXXX PA XXXX. They received as a ach payment that was taken from my bank. Unfortunately they returned my payment to my bank because it went to this adress witch was the old location. At first I call and spoke with XXXX, XXXX, XXXX and XXXX ( who hung up on me ). They all stated that I would receive a check in the mail. Never received. After trying to speak with inumerous people and staying hours and hours, finaly someone else told me that they returned the check to my financial institution. NO one could give any answer. However my bank did not received. They can not tell me any information on the check. called inumeours people. Spoke with XXXX XXXX and he stated that he would call me back with the information. He never answer his calls and did not returned my calls.his phone is XXXX bank calls and nothing. Spoke with XXXX, was busy and got my number. never called me back and never answer any calls. I can not talk with anyone there. I need them to give any information on the check that they sent. I just need anyone to give the infoarmation on the check that they lost so my bank can trace it. My mortage payment is late and is affecting my credit because of that. 

Company response: Company chooses not to provide a public response
Consumer complaint: Every time try to check my score on experian freeannaulcredit report.com and things like that they ask me to confirm bogus questions like who I have a loan with I never had a loan in my life like these crazy bank names they ask me about I had checking accounts with XXXX banks in my entire life and that 's XXXX Bank XXXX bank and my current bank I 'm with is XXXX that is it what all these bogus questions? 

Company response: Company chooses not to provide a public response
Consumer complaint: This number is from USAA. They call me between 3 to 5 times each day and i have recieved around 200 calls from them in the last 2 and a half months. I get calls from them first thing in the morning and get calls throughout the day all the way up to about XXXX. I have told them to stop calling me numerous times but they keep at it. Its rediculous how many calls i get from them just in one day. They need to stop. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I requested Wells Fargo & Company cease sending me unsolicited marketing and account messages after my account was closed nearly XXXX years ago. Wells Fargo & Company acknowledged these requests and stated that I would no longer receive such emails. 

However, Wells Fargo & Company continues to send me unsolicited mails in violations of California Law and Federal Law. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent a validation letter to Sun Loan Company on XXXX XXXX, 2015 requesting they provide evidence about the note loan that they claim I owe them. XXXX XXXX XXXX XXXX provided a response to on XXXX XXXX, 2015 stating that I needed to provide a government ID or my social security information. This is a suspicion request since they are not listed on the credit report as a collection agency. I do n't think that I should provide my social security or government identification to this agency. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I wanted to check the interest rate of my Bank of America Credit card online, and it is not published within my secured online account statement. It 's necessary to make a phone call to get the current interest rate charged by Bank of America on my credit card. The necessity of having to call is not stated in the online account summary - although almost everything else conceivable is stated, offered, hyped, or sold. 

Company response: Company chooses not to provide a public response