AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have a citibank credit card which has a balance with no interest. Due to XXXX I was late with XXXX payment, so to avoid this happening again I set up the amount of {$60.00} to come out of my bank account I used the amount {$60.00} as directed by a staff member as the amount should not go up due to no interest. 
I then this month noted I was being charged a late fee of {$35.00} Turns out the minimum balance that month was {$67.00} I called the bank to explain the situation and was told there was nothing they could do to take the {$35.00} off. So i was charged {$35.00} for a missing {$7.00} this is robbery.. How can they be allowed to do this for a missing $ XXXX explained XXXX times to the representative but he would not adjust the statementA late fee should be if you missed the payment not if you made most of the payment and contacted the company. I was made to feel like a terrible person. 
I tried to keep calm but did become angryAll i am asking is for the late fee to be adjusted, I have been a good customer. 
I will be cancelling the accountThank you 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied over the phone for a credit card that was advertised on USAA website as a 1.5 % cash rewards credit card. I think it was a new product at that time, so when I called to apply the lady had trouble finding the specific XXXX I wanted, but after a few minutes on hold she came back and said that she had found the 1.5 % cash back World MasterCard that I wanted to apply for. We went through the application process over the phone and at XXXX other times throughout the conversation I verified that this was the 1.5 % cash rewards card. I was put on hold again XXXX of these times and the worker came back to the phone and said yes, this is the 1.5 % cash rewards program card. After a few days I got the card in the mail and it was just the plain USAA World MasterCard, not the 1.5 % cash rewards card. I already had a 1 % rewards card from them. So after several unsuccessful phone calls to their executive resolution people, I sent a consumer dispute form to them detailing that I wanted the card removed from my credit history and deleted, not cancelled. ( I was told over the phone multiple times that the only thing I could do was cancel the card, but I will not do this because it lowers your credit score from my understanding to have an account opened then closed within a month period. ) They contacted me and said they could not do what I wanted by removing the inquiry from my credit history because I did authorize application and that I would have to cancel the card and re-apply. I authorized application to the 1.5 % and not the card they gave me, so I believe it is their responsibility to remove the application from my credit history. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I am writing about a billing from the Public Defender 's Office dated XXXX/XXXX/XXXX. To date, TWELVE YEARS LATER, I still have not been provided with a detailed itemized bill listing the services rendered. I XXXX requested an itemized bill on XXXX XXXX, XXXX. That request went unanswered. My XXXX notice of the {$2400.00} billing was a XXXX XXXX, XXXX notice from XXXX XXXX XXXX advising me that the Office of the Public Defender referred my account to them for collection. I wrote again on XXXX XXXX, XXXX indicating I had not received any documentation, requested the detailed time sheets and asked what recourse I had regarding the gross professional negligence regarding the " service '' I received. No one in the office, responded to my letter. On XXXX XXXX, XXXX I received another notice, this time from Financial Asset Management Systems, indicating they represent New Jersey 's Office of the Public Defender for collection of the balance I owe. Again, on XXXX XXXX, XXXX I wrote still another letter, attached my previous request and asking for detailed information on the services rendered by the Public Defender on my behalf. 
The New Jersey XXXX XXXX XXXX XXXX XXXX sent me a printout dated XXXX XXXX, XXXX from XXXX omitting any contact information for any further inquiries. In addition, there was no reference to what recourse there is for any disputed charges, just long-worded reminders about their authorization and powers to collect through whatever means possible. I have serious issues with the billing and wrote XXXX XXXX XXXX from the NJ Office of Dispute Settlement on XXXX XXXX, XXXX. Unfortunately, many of those represented by the OPD do n't have the resources to do so and may very well be unfairly charged and financially victimized. I was referred to XXXX XXXX XXXX, Chief Fiscal Officer of the NJ Office of the Public Defender, who sent me an itemized billing and offered me a settlement of {$750.00}. I refused any settlement because I disputed the services provided in detail and XXXX XXXX said he referred my entire matter to the NJ Public Defender Management for a decision on XXXX XXXX, XXXX. As of XXXX XXXX, XXXX, according to XXXX XXXX, my matter was still under review. I have not heard a word from NJ Office of the Public Defender Management on my dispute nor an answer to my questions which I have been asking sinceNow, for the XXXX time ( XXXX, XXXX, XXXX, XXXX ) I am receiving collection notices, this time from XXXX of Michigan. I have not received the documentation I have requested for over TEN YEARS from the NJ Office of the Public Defender, but am receiving collection notices for a debt which is invalid. 
I can and will provide documentation, names, dates, etc. to support my statements. 

Company response: Company chooses not to provide a public response
Consumer complaint: I signed up for a Barclay XXXX Credit card. 
The T & C 's presented during the sign up process and the T & C 's of the card I received had a significant difference : the APR on the card is 24.99 % but the advertised APR was 15.24 % or 18.24 % when you open your account, based on your credit worthiness. 

I called Barclay customer service on XXXX to have the " Bait and switch '' resolved. They said I would have to file a written complaint and provide documentation. 

Company response: Company chooses not to provide a public response
Consumer complaint: This debt was paid as soon as I closed the account. This should have never been sent to collections. I have contacted Receivables Performance Management on several occasions. I was told this would be removed from my credit report, but it 's still reporting. This could potentially cost me a lot of money in excessive interest. I need this corrected. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: The representative stated I had no right to dispute : only that I had to pay a 7 year old {$84.00} bill 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We have a loan with Bank of America and have been working since XXXX XX/XX/2014 to get the loan modified to an amount that is affordable. We have faxed income info, paperwork, made phone calls and no one returns the phone calls, we just get a notice that the loan modification request has been denied. They are not very personable and at this time we are in the midst of possibly losing the home, there are XXXX kids in the house and XXXX of them has a XXXX XXXX XXXX and is in need of the school system. The interest rate is way too high. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was contacted on XX/XX/XXXX by XXXX regarding the cancellation of internet service with XXXX XXXX, which I paid for when breaking contract back in XX/XX/XXXX- XX/XX/XXXX. The woman informed me I owed {$99.00} still. I told her I never received such a bill from them. She said she would check on it. In the meantime, I contacted XXXX, and they told me I had paid everything and was current on my account ( I still have phones with them ). I received a XXXX call on XX/XX/XXXX stating that if I did not pay the {$99.00} it would go on my credit bureau. I asked again for them to send a bill. She said she sent it to an address I 've never had, and that if I wanted it, I would need to write them a letter and send {$10.00} and request the letter be resent. They gave me the claim number of # XXXX, and again, they told me that if I did not pay this would affect my credit bureau. I 'm at a loss. XXXX says I am clear, and Aldous is telling me I need to pay money to receive a bill. Please help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/15, I received an e-mail statement from Bank of America 's Online Banking, stating I have a payment due on XXXX/XXXX/15 for {$99.00}. On XXXX/XXXX/15, the same day I received the email statement, I made the payment of {$99.00} and it posted to my account on XXXX/XXXX/15. 

On XXXX/XXXX/15, and on numerous dates thereafter, I contacted BOA via chat and telephone, to inquire as to why it was still showing that I still had a payment due on XXXX/XXXX/15 for {$99.00}. I was informed that BOA was making changes to their Online Banking system and that I need not worry and my {$99.00} payment on XXXX/XXXX/15 will be applied to the XXXX/XXXX/15 due date. 

On XXXX/XXXX/15, I noticed that my account was past due, there was a new payment due immediately for {$98.00}, a {$25.00} late fee for payment due, my card was blocked from use and my credit line was decreased from {$10000.00} to {$8900.00}, as a result of this " delinquency. '' All of these penalties occurred without reason and prior notification to me. 

On XXXX/XXXX/15, I contacted BOA via chat and telephone and after research, it was discovered that it was bank error that my payment for the XXXX/XXXX/15 due date was incorrectly applied in the system and therefore, I received a {$25.00} late charge adjustment. I was then informed that this matter would be immediately rectified and the new payment due immediately for {$98.00} would zero out and I would only have to pay the XXXX/XXXX/15 amount due of {$120.00}. 

On XXXX/XXXX/15, I noticed that my account was still past due, and now I owed an amount of {$220.00} by XXXX/XXXX/15 ( $ 98+ {$120.00} for XXXX ). I contacted BOA again via chat and telephone and again, was advised this would again be immediately rectified. Not trusting BOA after false information was previously provided to me, I paid both the {$98.00} and the {$120.00} to have my account placed back in good standing, even though it was in good standing and always has been. 

On XXXX/XXXX/15, I contacted BOA via chat and telephone and inquired again as to why this has n't been rectified and more importantly, to request my previous credit line of {$10000.00} be RESTORED, since the reduction was a result of BOA incorrectly putting my account in delinquency. I was advised that would be impossible without running a new credit report and I declined. I DID NOT REQUEST an INCREASE in my credit line, I requested my credit line be RESTORED, due to BOA 's error. 

Not only did BOA misapply my payment, I had to pay a new payment due immediately for {$98.00}, a {$25.00} late fee for payment due, which was later refunded, my card was blocked from use and my credit line was decreased from {$10000.00} to {$8900.00}, and the refusal to RESTORE it, as a result of BOA 's error, is appalling. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX I called XXXX XXXX regarding an issue with my monthly statement that was the exact same issue I had last year. Since she was able to help then, I thought she would help me this time. I was wrong. She said she was able to help last year because I had a complaint on file. While I was on the phone with her, she transferred me to another department and I spoke to a guy who said he would put a copy of my CORRECT XXXX statement in the mail immediately and that I would receive it by the middle of the following week. That never happened. So on XXXX XXXX, when I still had not received my correct XXXX statement, I filed a complaint with the BBB. My complaint was NOT resolved and I never did get a CORRECT XXXX statement. My grace period for paying my XXXX mortgage payment was up on XXXX XXXX and since it was obvious I was n't going to get any actual customer service, I went ahead and made my XXXX payment and crossed out all the wrong numbers on the payment slip. My payment also included additional principal as it has for the last 2 years. My check for {$2400.00} cleared my bank on XXXX XXXX, which means suntrust received my payment on time. Then the statement I got for my XX/XX/XXXX XXXX due date says that I have {$2100.00} in " unapplied funds ''. That is my monthly principal amount and it should have applied correctly. The additional principal I paid was applied correctly. My XX/XX/XXXX XXXX statement says I owe {$4200.00} which I absolutely DO NOT. When I called on XXXX XXXX to try to get the " unapplied funds '' issue resolved, the rude woman on the phone would n't even let me finish my sentences so I hung up. I called and left a voicemail with the escalation department and their voicemail says they will return customer 's calls the next day. They have never called me back and my mortgage is still a mess. I did not choose suntrust as my mortgage holder, it was sold to them, and I never would choose them. Their customer service sucks and they need to fix the mess with my account that they created and correctly apply the thousands of dollars in principal payments I 've sent them. They also need to return customer 's phone calls or change their voicemail to something that is n't lying to customers. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a judgment being reported by the XXXX major credit bureaus. I spoke with the collection agency and was told that the judgment would be completely vacated if it was paid. The amount owed was paid however it is still being reported on my credit bureau reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: A company called " West Asset Management '' entered my phone number into an autodialer simply based on the similarity of my last name ( a common name ) to that of the debtor they were trying to locate. 

The autodialer voice prompts include an option to indicate that the debtor can not be reached at this number, but that prompt has been XXXX or is not functioning. 

When called back, an agent refused to identify himself or the company her represented. When called back again, an agent did identify their company, but refused to acknowledge they were a debt collector. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am currently in bankruptcy, with XXXX on my mortgage. I am making payments under the XXXX XXXX XXXX, and has never missed a payment in four years, i have repeatedly disputed this account with Experian about why it is still showing past due. They refuse to remove all past due payments, which are supposed to be remove under the chapter XXXX plan, This is the only credit bureau that i am having this problem with. I have pursued my legal rights under 15 USC Section 1681n or 1681o to comply with the law. Under the provisions of the Fair Credit Reporting Act. Please investigate and contact me please concerning this matter. Thank You. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was part of the XXXX and received payment last month. 
I was told that the foreclosure should and would not be on my credit report. I learned that it was and disputed it with all XXXX credit monitoring servicers. 
I told the companies that i was involved in the Independent foreclosure review and they still would not remove because of BANK OF AMERICA responded to them stating it was accurate. I was involved as a member of the the UNITED STATES XXXX. I have only a check stub stating the amount and reason why the check was issued. That is the only documentation the bank will give based on the settlement agreement with the federal government. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a line of credit with Bank of America. I left the account at a zero balance when I closed the account. I received a notification that I had a balance. I disputed the account but I was unable to provide proof because it was and old account. I called and I was told that if I pay the full amount that the account will be taken off my credit report. I paid however, I requested all documents with my account activities since I opened the account to verify where the error was and to proof that it was my mistake or not and I have not yet rcvd the documents and the account it 's still on my credit report. I called again and I was told that it will remain in my credit report for 7 years for an amount of {$71.00}. Please help. 

Company response: Company chooses not to provide a public response
Consumer complaint: We refinanced our home with Bank of America. Last week we received an escrow refund check of $ XXXX+ and I went to deposit it at the ATM. The ATM did not process the check and would not return it. I contacted the bank when it opened and filed a claim. They said they would give me a temporary credit and would make that permanent once they had investigated the issue, and that it " would n't take long ''. A week later I called to find out when the temporary credit would be made permanent. I was told that it would take up to 45 days to resolve and that I had access to the funds already. We do n't actually have access to the funds because if there is no error report with the ATM ( read : it ejected the check to another banker ), then they will take the credit back. They will not do anything to expedite real access to the funds. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America mailed me several offers to refinance my home. On XXXX/XXXX/2015 I called the XXXX, FL sales office and spoke with XXXX XXXX ( MLS XXXX ) and began the refinance process. There were documents XXXX XXXX wanted immediately ( XXXX, XXXX pay stubs & savings statements ) so those documents were emailed to her on XXXX/XXXX/2015, however, the remaining refinance documents, that BofA mailed to my home, she stated could be mailed. So on XXXX/XXXX/2015 I followed her instructions which matched the instructions in the refinance packet, and mailed the remaining documents in the pre-paid postage envelope provided from a Post Office in XXXX, TX. Because the documents were of a sensitive and personal nature, I wanted to have the documents tracked, even though they were only going to XXXX, TX ( XXXX is a larger suburb of XXXX ). The post office clerk informed me that I could not " alter '' the pre-paid envelop and had to mail the documents as is. Needless to say, as of XXXX/XXXX/2015 the documents have not reach BofA 's documents center and are now considered LOST. The post office claims they do not have my package, and BofA claims they have not received my documents either. I am stuck in the middle with my personal information floating somewhere, with no real help available. BofA is claiming since the documents have not reached them ( something they can not proved or disproved ) they have no responsibility to help. Even though, it was their instructions and envelope, they do not track the packages in anyway ( nor to the note that information in the refinance package ). This seems ridiculous. Customers are mailing personal and highly confidential information to them from all over the country and they not only do not track the packages they also hinder the consumer from doing so as well. This process is very flawed and I am not sure what the Bureau can do, but I wanted this practice to brought to light. I was informed by a BofA representative, that mail gets lost every day, and there was nothing they ( or I ) could do about it. I was to either resend the forms or lose the refinance. What is even more frustrating, is that I was informed, after the documents were lost ( of course ) that I could have gone in to ANY BofA location and faxed the documents to the XXXX office for FREE. I looked and this was not noted in any of their instructions. They did supply a fax number but DID NOT state the option of going into a branch. That XXXX simple piece of information could have saved me from the frustration on the entire refinance process. I now have frozen my credit and researching a credit monitoring company to protect me from potential identity theft. My problem is not with the people I worked with, it is with the process that leaves consumers at risk. I trusted BofA and the have completely let me down. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX has contacted me on XXXX occasions. XXXX time stating I owe on a loan. An must take care of in timely manner before court. ( call on XX/XX/XXXX ) XXXX call was asking what I have decided to do to resolve issue. I told them it was n't my debt. She told me good luck. ( call on XX/XX/XXXX ) Then received a message stating I had XXXX to make a statement on my behalf. ( call on XX/XX/XXXX ) I have also received a email stated the debt I owe. They also have some of my personal information. I asked when the loan was deposited and when payments where missed. They could n't address that information they told me. I have called cashnet to double check on any loans. They stated the last loan I received was in XX/XX/XXXX and had been paid in full. An then offered me a loan which I refused. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have received multiple calls from phone number XXXX A revrese lookup said theyare Receivables performance management located in XXXX va. They are looking for someone named XXXX XXXX. I have told them i dont know who she is but they keep calling me asking fer her hanging up etc. Once person went so far as to say well records show you have the same address. She was most likely the person that was renting here before me. I dont know how they got my number they just need to stop calling me. 

Company response: Company chooses not to provide a public response
Consumer complaint: To whom it may concern, I have lived in my home from XX/XX/XXXX and I have paid my mortgage on time until XX/XX/XXXX when my husband was laid off and we started to fall behind on payments at that time we called the bank that had our home loan which is Bank of America to get a loan modification and they denied us so we still try to make a payment here and there but it still was not enough so we tired to get a loan modifation again and they only took off {$100.00} dollars for XXXX year and the next year it went back up by {$200.00} dollars. We called them and ask them why and they said it was because of the interest rate changing. So we tried to pay that amount but it was still hard to do. We have asked Bank of America to produce the wet ink note of our loan and they refuse to do so. So now they are trying to forclouse on our home and we are trying to apply for another loan modication and instead of them trying to help us they are trying to set a sale date. I know the law and they can not set a sale date while we are in the middle of another loan modification. Please can you help us. We are trying very hard to work with them. Thank you 

Company response: Company chooses not to provide a public response