AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: In the XX/XX/XXXX XXXX representatives from US Bank came to my store to sell me a credit card machine. When asked, I showed them the terms of my current machine. They told me they could beat the service and price. The name of the ladies are on the documentation that I am attaching. A week later they had XXXX of their associates call me to tell me that they could n't offer the terms the gave me verbally. I told them to close the account as I was going to stay with what I had. Since that time, I have been sent to XXXX different collection agencies. I have disputed the account in all XXXX cases over the past 4 years. The latest one was in XXXX XXXX, and I just received the response attached XXXX XXXX never hear from the other XXXX collection agencies again after I sent the disputes and assumed that it was resolved. I have attached all of the documentation regarding the XXXX disputes. It seems that US Bank continues to sell the account to different collection agencies after I have disputed it. US Bank is charging me for merchant services I never received. They did not send me a credit card machine, and because I never had a machine, there were never any merchant payments made. I would like this account with US Bank resolved for good. This has caused me a considerable amount of anxiety as I value my credit rating. This has been time consuming each time, and it does n't go away. I do n't want to pay a collection for something I never had. Thank you for you help with this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I m trying to do a loan modification with my bank which is Bank of America since XXXX 2015 and till present they keep to deniey my application and ask me to short sale my property, and I have no other options without any valid reason.i ve been having some financial problems due health problems and its bills, a major damage in the house due to water leaks and Ac repairs totally needed replacement and also my property taxes are rising too high on the property which increased my escrow account. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2016 I was receiving calls from my family members and friends stating that a XXXX XXXX was calling and leaving messages stating they needed to reach me. I then called the number that was left on my phone and was able to reach someone. This person told me this was in regards to a debt. I quickly pointed out that I had not received anything in the mail in regards to this debt. She proceeds to become very angry and keeps questioning me as to when I will be able to pay the money. I explained to her not until I received written verification and had an attorney looked at it. She continued to harass me, yell at me for wanting to have my attorney look at and verify this debt and not allow me to speak until I finally just had enough and hung up. I am very upset and feel violated and embarrassed as they called every single person I have ever come into contact with. To make matters worse I was never given the name of the debt collection company. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied to Bank of America for a car loan on the purchase of a used car from a private owner. I was approved for the minimum loan of {$5000.00} by Bank of America ... I sent the registration and title creating a lien interest in Bank of America. Bank of America has reneged on the car loan and has failed to return the title and has failed to release the lien 

Company response: Company chooses not to provide a public response
Consumer complaint: I have now mailed Experian twice, on XXXX/XXXX/2015 and XXXX/XXXX/2015, and asked for an investigation to be conducted on specific accounts I question on my report. They have not responded to me. I will attach the letters I did send them copies of my drivers license, social security card, and phone bill BOTH TIMES. 
I demand a response immediately and sanctions levied for willingly breaking federal law! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Portfolio recovery associates keeps reporting wrong information to my credit report and Experian keeps reporting that wrong information in flagrant violation of the Fair Credit Reporting Act. The XXXX XXXX XXXX account on my credit report needs to be deleted per the consent agreement between the Consumer Financial Protection Bureau and XXXX XXXX XXXX from XX/XX/XXXX. In addition, XXXX XXXX XXXX is reporting an active collections account XX/XX/XXXX and XX/XX/XXXX. This is wrong, there is no open collections account with XXXX XXXX XXXX. XXXX XXXX XXXX is reporting wrong information in flagrant violation of the Fair Credit Reporting Act. XXXX XXXX XXXX is trying to reage the account so that it stays on my credit report longer in flagrant violation of the Fair Credit Reporting Act. Experian keeps reporting the XXXX XXXX XXXX account as an open collections account which is wrong, and it should be deleted as per the consent agreement with the Consumer Financial Protection Bureau. 

Company response: Company chooses not to provide a public response
Consumer complaint: In the monthly statement that I recieve from US BANK, I noticed that my APR had spiked up dramatically and without warning. I was caught off guard and at a bad time for me. I recently had to go on dsability on my work and this was really bad for me. This was very inconsiderate on behalf of US BANK. I have used their card for a variety of different purchases and this card was my go-to card for almost everything. I have stopped using this card and will not use it anymore unless my APR is returned to normal. Please look into this matter for me. I have never missed any payments and I have always been very responsible with this card and would love to be able to continue using it. Thank you! 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've already filed a complaint with you against Regional Acceptance Corp of North Carolina. All I want to do is lower my monthly payments to {$250.00}. a month or less. They tell me they ca n't do it. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX keeps submitting a charge that i do not owe, nor can they provide any information on the charge of {$170.00}. Every time I ask for debt validation, it is moved to yet another collection agency. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX is more than 7 years old and was supposed to be removed from my credit report. someone must have shared or bought some information because that debt should have been removed and it was not. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was enrolled in a program XXXX XXXX XXXX through a company I saw in the XXXX XXXX. The company I saw was Financial Rescue LLC owned by XXXX XXXX. He promised us that our problems will go away if we enroll in his program, the said company XXXX XXXX XXXX XXXX. We did not know he is also the owner of this company which had their negotiators in the XXXX. Without hesitation we entered into this program but after half a year of paying the monthly program found that most of the money we were paying is going into his fees. It seemed that we are headed nowhere so I cancelled the program and asked for our money back. As I ready into different articles about his program, we found that it was illegal for him to collect such fees in advance without having provided any settlement service. When I wrote to him about this, I received a letter from an attorney XXXX XXXX who told me that my understanding is wrong and that he was entitled to those fees and did not have to refund them. With this, my husband and I ended up going into bankruptcy so that we can eliminate the debts due to our hardship. It is so unfair that this companies target clients who are in severe hardship and take advantage of them to enrich themselves. Please help us get our money back. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I visited TransUnion 's website after my dad 's house was broken into in order to protect my identity after a computer with my data was stolen. I entered financial information that I thought was relavent to protecting my identity. TransUnion 's website emphasized that this services was FREE in all capital letters. At the end of the process I was charged {$1.00}. I was frustrated that this was n't disclosed prominently or in some sort of checkout page, however I assumed that this was a one-time charge like what the post office charges for changing your address online. I did not know, because of the absense of a checkout page, that TransUnion would charge me XXXX dollars a month for their service. This charge was also not prominently displayed in their monthly emails but rather hidden in fine print on their website. I contacted customer support and was refunded less than half of the charges. I was transferred to a supervisor to get the remaining charges refunded and was rudely told no. I asked to speak to their supervisor and gave my phone number. This became a game of phone tag but I could not get through to them when I attempted to return their calls. They left me no extension to reach this person. I am requesting a refund in the amount of {$36.00} -- the remaining charges that TransUnion made on my account. I also ask that transunion display this as a clear monthly charge on a checkout page instead of misleading consumers with FREE in all capital letters. I requested this through the XXXX however they were unable to encourage TransUnion to refund the charges. I also found on the XXXX website that other consumers have had problems with this service. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I got a letter from experian credit company letting me know that someone had hacked XXXX system stilling information like Social Security date of birth so for that happening they offered me free identity theft I have not had a phone since XX/XX/XXXX XX/XX/XXXX through XXXX but someone has tried to get a phone of XX/XX/XXXX in my name they also tried again in XX/XX/XXXX XXXX bill is for {$490.00} the other bill is for {$2200.00} and this is not me 

Company response: Company chooses not to provide a public response
Consumer complaint: Our loan was recently sold to a new company : International City Mortgage. It has been impossible to set up automatic payment through their website ( the only way they have to set up automatic payment ), despite receiving confirmation emails from them that we successfully registered for their automatic payment system. We have had to pay late fees for a few months while trying to resolve this. Phone-based customer service has been completely unhelpful and was unable/unwilling to set up automatic payments. Customer service told us that receiving confirmation emails from them, stating that we had set up automatic payments, did not prove we had set up automatic payments and therefore late fees could not be waived. Automatic payments are taken out the day before late fees are assessed, so there is very little time to send a payment if things go wrong with their system ( which, in our experience, happens frequently ). 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, a special offer appeared on Citicards for the Citi Thank You Preferred Card. The offer was for XXXX bonus points after making {$0.00} in purchases within 3 months of account opening. The typical offer is XXXX bonus points after making {$1500.00} in purchases within 3 months of account opening. So the improved offer certainly did n't seem out of the realm of possibility but rather seemed like a limited time offer that I wanted to take advantage of. I applied for the card and was approved instantly. 

After being approved, reports started to circulate around the internet that Citi representatives were informing card applicants who called that the offer was a mistake and that it would not be honored. 

I also chatted with a Citi agent online who informed me the offer was a mistake. 

Whether it was a mistake or not is irrelevant here. I went to Citi 's own page, the offer was clear as day ( I took a snapshot and will attach in this complaint ), I applied for the credit card based on the offer and was approved. It can not be that a credit card company changes the offer after an applicant applies for and receives the credit card. It is outright fraud and the credit card company must honor the offer. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a XXXX account and the account was in barging with FTC which a complaint was submitted and responded to and so was the XXXX alerted and complaint was responded too. Which at that point due to sprint negligence with the FTC and XXXX this account needs to be removed. Documentation and proof is provided. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I demanded verification/validation of account status, amount, original creditor and copy of the contract. I demanded removal of unauthorized inquiries on my report. they refuse to validate/verify accounts and inquiries and they refuse to delete incorrect information and are causing great harm to my ability to obtain credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: After a lengthy investigation I have discovered that Experian has been charging me for monthly credit monitoring services sense XXXX of 2012. They have fraudulently obtained different card numbers in my name from XXXX in order to continue to charge me over the years. I have contacted them in the past about this and every time they claim they have no account in my name. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I received a letter from citi credit management deparment,, to notice about decreased credit limit, because my credit report shows delinquent credit obligation, either paid or unpaid with another creditor, the decision was based from the information obtained from XXXX, I went to credit repair consultants to see what happened, and we saw a big mistake, SEARS/CBNA, reported to XXXX a credit car # XXXX account owner, authorized, high credit {$4300.00}, credit limit {$4000.00}, date reported XXXX/XXXX/2015. this credit card is not mine. i called to this number XXXX customer service, i expleined everithing, they told me they need the credit card last XXXX number, i said i dont have it, they told me go to consumer financial protection, they are reporting this credit card to XXXX and they dont have the last card XXXX numbers?? 

Company response: Company chooses not to provide a public response
Consumer complaint: I am writing in regards to my Regions bank account. When you call the automated system to verify that checks have cleared my account, the system says that the check has cleared and then the funds are taking out the account. Several days later the money goes back into the account and the check is returned. But the automated system says it 's paid. I also filed for a loan on XXXX different occasions and the never received a denial letter from the bank. The first time I went in I applied for a loan, no letter. Go back a second time and apply with a co signor with a XXXX credit score. I then received a letter of denial but the co signor did n't receive a denial letter. Go back and speak with the branch manager and he stated I could receive the loan with co signor. He stated he did the loan but was denied. Still no denial letter. This is blatant discrimination. 

Company response: Company chooses not to provide a public response
Consumer complaint: This debt does not belong to me I think it might be a medical bill for my adult child in which I am not responsible for. If you continue to attempt to collect this debt I am going to obtain an attorney. 

This will be the XXXX time a collection agency has added this collection to my credit and this I have to dispute it each time. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: XXXX 2012 we charged The Home Depot card for kitchen redo. Set up auto payments from account that had more than enough money to pay off total amount ( account not used for anything else ). Went fine for a few months, then got notice of late payment. Money all still in acct, THD/CBNA did not pull the XXXX payment, showed us as 30 days late -- we argued it was their fault, not ours. They agreed to fix on credit report. We talk to them numerous times a year and they claim they fixed it back in 2012. Credit bureaus have no record of anything from THD/CBNA stating it should read XXXX late payments. 
We are sick and tired of calling credit bureau, calling THD/CBNA back and forth for 3 1/2 years and it still not corrected. Credit bureau says has never gotten word from THD/CBNA to correct, THD/CBNA says they have sent it numerous times since 2012. PLEASE HELP! We have perfect credit except for this false information. We have also asked THD/CBNA to send us copies of the letters they send to credit bureaus -- we have been told " we do n't send letters to customer '' to " we have sent to you each time ''. We have NEVER received ANY communication about correcting this false report. They ( credit bureau AND THD/CBNA ) have asked us to send letters describing problem, and we have - numerous times- with still no luck. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a XXXX XXXX Induction Range in XXXX. Upon delivery, I discovered that the range top, the glass surface, is not flat, it is bowed in the center from front to back. Sears several weeks later brought a replacement range, but that replacement had the same issue & I refused it. I wrote XXXX letters to Sears : the first to the CEO, and received a reply simply saying " ... thanks for telling us of your problems ... '' but not addressing the issue ; the second, to Sears CITI Credit Card ( on which I charged the range, saying that I did n't think I should have to pay interest charges until the issue was resolved ). I received no response. I then called CITI Bank to discuss the issues - since they issued the Sears CITI Bank MasterCard. They said they could n't help, that I 'd have to talk to Sears. I told them Sears was worthless. The store manager said he 'd give me a financial discount ( I told him I did n't want that, I wanted a range that was properly built and did n't have warped top ). He promised to return phone calls after checking on things several times ; he never called. After XXXX letters and maybe XXXX phone calls, somebody FINALLY told me of a Sears problem resolution center which I contacted. on XXXX/XXXX/15, a technician looked at the range, my level on the top of the range and my pictures of pans, w/ several ounces of water running to the exterior sides of the pans, and he agreed that the range top was defective ; he said he 'd order a replacement top. On XXXX, somebody from Sears called me to tell me they had to change the replacement date schedule for the top. I NEVER was told there was a scheduled date for replacement ; during and after the technician 's visit, I was never given a date for service. I called CITI Card tonight, and they repeatedly told me that they could n't help me, that I had to call Sears. SEARS has been worthless in helping w/ this issue. CITI CARD Services issued this card, via Sears, but they are UNWILLING to stand behind it! I will NEVER do business with EITER, EVER AGAIN! I want them put out of business! I simply want a XXXX XXXX Induction Range with a flat surface ; this is what I expected, paid for and expected. If they can provide it, they must do so - immediately ; if they ca n't, then they must remove the defective product they sold me, cancel ALL charges related to it, provide me just compensation and move my previous electrical range back up from my basement to my kitchen, reconnect it and do so w/o damaging it. This - IS NOT COMPLICATED! 

Company response: Company chooses not to provide a public response
Consumer complaint: Recevied a response letter back from XXXX and XXXX credit department on XX/XX/XXXX. They did not address the iusse and they did not answer my question. Now it look like to me they are giving me the run around. On the XXXX first declined letters from XXXX XXXX and XXXX 's specifially states the following reasons were too many public records and they specifially pull my XXXX credit report. I am very aware what is in my credit report files. I ask a specify question ( what is consider too many items on ones public records credit report ) .I fine it odd that when I question XXXX and XXXX credit desesion I am getting the run around. The letter I received from XXXX XXXX and XXXX 's executive office found now states I was declined because of a bankruptcy file XX/XX/XXXX. After I question their first credit decision and asking a specify question which they never answer. On all XXXX declined letters they did not state anything about a bankruptcy on any of the letters. Now, I have a second question ( why XXXX and XXXX refusing to asnwer my first question ). I pointed out and I ask a question about their discriminate credit decision so they just send me letter avoiding the iusse by fining something else different. Yes, it make me feel I have been discriminate against due to where I reside like I stated in my first comlaints. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear Sir or MadamI am in constant amazement of your companies business practices. Attached please find a loan of a property I purchased in XX/XX/XXXX. The property address is XXXX XXXX XXXX XXXX NC XXXX. It is a XXXX bedroom condo that I purchased for {$110000.00} as an investment property through Wachovia. I have called Wells Fargo many times to this day to have this property loan NOT listed as my primary residence XXXX XXXX XXXX XXXX Florida XXXX. Many times when I call Wells Fargo they tell me there are too many numbers in my loan XXXX maturity date XX/XX/XXXX and it is not a Wells Fargo loan. They also list the loan as a Mortgage Equity Loan Statement! I then explain it is an old Wachovia loan and then they go oh! But do n't you think after XXXX you would have consolidated the loans and had proper Wells Fargo loan numbers attached to the old Wachovia loan numbers. XXXX things I need I was dealing with XXXX XXXX XXXX in your loan dept and I asked him for XXXX, XXXX and XXXX rates on my existing payoff of {$74000.00} and that they need to remove my Primary Residence off this loan and then that is when the fun starts. I then email him all of my information and he will not answer emails or phone calls. No one form Wells Fargo will call me back, answer emails or return any messages. Could someone please get back to me it should be an automatic refi, I have never missed a payment and I want to get my primary address cleared up and the North Carolina address for the property cleared up. I do not know whom to talk to as I have sat on hold for hours at a time and have been bounced around from department to department with no resolution. It should be an auto refi and go forward. 

Company response: Company chooses not to provide a public response