AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX XXXX, a loan officer for guaranteedrate.com quoted a mortgage loan to me over the phone that would come to a total closing cost of {$8500.00}. When I received the loan estimate, it showed that we would have to pay {$11000.00} in closing costs. Because the costs of the loan were much different on paper than what XXXX had quoted me over the phone, I did not sign any papers authorizing his company to go forward with the loan. I immediately requested that all services be cancelled so that we would not be charged for any services from guaranteedrate.com. However, XXXX claims that I owe his company {$150.00} for an application fee and {$300.00} for the appraisal of the home. However our real estate agent and the seller 's real estate agent both confirm that no appraisal of the home has been conducted. Nor were they contacted by any appraiser so that they could begin working with the property. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Bank of America. XXXX. {$2700.00} Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. Account paid. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed an account with Transunion regarding a collection account from XXXX XXXX XXXX regarding the XXXX Government electronic traffic ticket department. I was issued a camera ticket in XXXX 2012 when i was not driving a vehicle. The vehicle was being driven by a relative. I disputed the account with the XXXX Government and got a letter agreeing to remove the account from their collections. I sent the letter to Transunion and they failed to remove the account from my credit report despite receiving information from the original creditor advising them to do so. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed an original complaint on XX/XX/XXXX which was responded to on XX/XX/XXXX by US Bank. In their response they reference bankruptcy discharge from XX/XX/XXXX as being the reason they are now starting foreclosure proceedings. During the bankruptcy, I never filed against US Bank, I continued to make my payments after speaking with a representative, and they state they do n't send me statements. This is not accurate. After speaking with the representative XX/XX/XXXX, I started to receive statements and made my payments in the branch. I am confused on how this is now an issue 3 years later. 
The other issue brought up was the matter of my requesting assistance on XX/XX/XXXX. They state that I spoke with a representative, that is true. They state that they sent out a loss mitigation workout sheet to my email, this is also true. What is not stated is that this was sent to me by the first representative prior to be transferred to another gentleman representative who informed me that I was not eligible for the loss mitigation process. No suitable reasoning was given. 

The last issue states I was assigned a Relationship Manager by the name of XXXX XXXX. I have contacted her several times and so has my personal financial advisor. She does NOT return phone calls or emails. She finally returned a phone call to me this Friday XX/XX/XXXX at, while I was driving. I pulled over, listened to the message and called her back within 10 min. I asked her to call XXXX XXXX, my financial advisor and as of today, she still has n't called. 
I do n't see how she can be a point of contact. To not return calls or emails in a situation like this is just appalling and inexcusable. 
At this point, I am afraid, confused and in need of your assistance since US Bank is inconsistent with their responses and conflicting information. 
I have always fulfilled my obligation and feel since I asked for assistance, US Bank has created a reason to attempt to take my home. 

I thank you for your assistance in this matter 

Company response: Company chooses not to provide a public response
Consumer complaint: Debt was paid on XX/XX/XXXX as the collector states themselves On XX/XX/XXXX the consumer called our office to pay their obligation to our client XXXX XXXX in the amount of {$130.00}. We accepted the payment, processed it, and posted it to the consumer 's account within XXXX hours as explained to the consumer. The account is currently paid in full. Please understand that this transaction was initiated by the consumer only 2 days ago. At that time our office notified the consumer that updates to their credit bureau are performed as expeditiously as possible but can take up to 30 days to reflect on their report. The consumer 's account will be updated to the bureaus as paid in full during our next reporting cycle which will occur on or before XX/XX/XXXX '' No such change has occurred and the collector is still reporting as this collection is open as it still appears on my report as an open collections. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I paid debt in full to XXXX in XXXX 2014. I asked to make sure, was there any paperwork or anything I needed to sign, etc. To finalize everything. She said no. I went on my way and was never contacted about a " debt '' until about two months ago when I filed a dispute after realizing it was, for some reason, on my acct as a debt. I have contacted the current apartment manager, XXXX XXXX, who says they have misplaced my records and they never got filed but that she knows I paid it. I have filed dispute with the company and it has been denied 

Company response: Company chooses not to provide a public response
Consumer complaint: This pertains to file # XXXX where I have proof that BB & T is lying. On my original complain I stated to BB & T had debited out {$100.00} premature from my account. All this started back on XXXX/XXXX/2015. Where i have made a cash deposit if {$100.00} bringing my balance to {$95.00}. Then on XXXX/XXXX/2015 there was a charge of {$28.00}. And here is where the problems starts. BB & T charges me {$36.00} OVER DRAFTED FEE on XXXX/XXXX/2015. The reason is that BB & T has stated that on XXXX/XXXX/2015 there was a withdrawal of {$100.00} Plus {$3.00} fee for using another banks ATM. The problem here is that it was not on XXXX/XXXX/2015 that the Withdraw occurred but on XXXX/XXXX/2015. I have the Bank Statement for BB & T which I printed off their web site. And what BB & T sent to me. As you can see, from the Bank Statement I am providing it shows where the Withdraw of {$100.00} occurred on XXXX/XXXX/2015. But BB & T takes the {$100.00} on XXXX/XXXX/2015 making my account go NEGATIVE. Furthermore, on XXXX/XXXX/2015 I make yet another deposit of {$100.00} again in cash. But because BB & T took out the {$100.00} on the XXXX/XXXX/2015 it has caused nothing but OVER DRAFT FEES which have total now to a {$260.00} ... And BB & T does not want to remove the fees when I have PROOF directly from their website. 

I have attached Both The Bank Statement that BB & T provides their customers and the So call Bank Statement they provided me with their entire letter providing nothing but misleading information plus inaccurate transactions from the bank to cover its shine! 
But as the saying goes : A picture is worth a thousand words! You be the judge of the proof yourself. And again BB & T states the {$100.00} was for XXXX/XXXX/2015 when it clearly states it on the personal bank statement from the bank on line the transaction took place on XXXX/XXXX/2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX mortgage - I have paid on time over XXXX payments, never missed a payment, and about 2-3 years ago the payments were not being applied to principle correctly. Last year nearly XXXX % of the payments were interest only. Mis-allocations continue to be made and I have to complain very month for them to adjust and re-apply. I do not believe the principle owed is correct. I have paid over {$60000.00} ( XXXX payment at {$600.00} each ) and my principle has gone from {$76000.00} ( original loan amount ) to {$69000.00} after 7 years. Every customer service representative and every escalation ends up with people saying how messed it is and how they have no idea on how to correct it, project teams were assigned to correct it and no access to them or resolution - it continues to happen. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have requested my Chex System report twice, once several months ago. They are yet to send it to me. I was recently denied an account my XXXX XXXX XXXX based on information they provided. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am not sure if this is the correct place to make this complaint or not, so please redirect me if it is not. Some months ago, I was sent via email and regular mail, an offer from Citicards that if I used CitiCards with XXXX that I would earn 10 times the XXXX XXXX XXXX miles that would normally be earned, up to a maximum of XXXX miles. I was an existing Citicard XXXX card member. 

The offer was good upon enrollment and ended XXXX/XXXX/2015. So I enrolled in XXXX and used the XXXX option. I checked my statements and noticed that there was no bonus miles being awarded for using the apple pay for eligible purchases. So I called the customer service for the card at Citibank on XXXX XXXX and the agent had to check what was going on. He came back on line and said the program was never initiated because of a disagreement between XXXX and XXXX XXXX. He apologized that customers who enrolled were not notified and offered me XXXX free miles for my trouble. I had already earned an expected number of free miles greater than that, but accepted the offer. I asked why customers had not been notified and he had no idea. 

My problem is that Citi was earning merchant fees and maybe interest under a false pretense that they were awarding bonus miles to the customer, even when they knew the program was not in effect. Unless someone carefully checks their statements they have no idea that the bonus miles are not being awarded. This is not right. It would have been relatively easy to notify enrolled customers about the program cancellation via email, but this was not done. Who does someone make a complaint about this to? Thanks for any help. 

XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: The bank is continuously charging me fees - whereas the overdraft protection was to thwart such activity. I am being told my savings account is closed, yet a {$500.00} deposit was made on XXXX XXXX, 2015 and retained by the bank. there are still monies in the savings account which was used to assist with possible overdrafts ; needless to say the bank is telling me I have to come in and close the account. I was charged {$140.00} for returned item fee and I am not sure what the expense was causing further financial chaos -personally. Refer to Case number : XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I received phone call on XXXX/XXXX/15 to say my mortgage payment was late, when in fact it was not late. 

Company response: Company believes complaint relates to a discontinued policy or procedure
Consumer complaint: On XX/XX/XXXX, I filed a refund request with Best Buy credit card services for the debt protection fees that have been charged in my account on a monthly basis since my purchase on XX/XX/XXXX. At the time of this purchase, my credit card account was reactivated, after being inactive for over a year or so from a previous purchase. With this purchase on XXXX/XXXX/XXXX, I agreed to pay {$3600.00} for goods and services as stated on my receipt of purchase. I agreed to 24 months financing with zero interest. I did not agree to the debt protection services or to any additional services, insurance or coverage. After the purchase I received a new card in the mail with a statement balance of {$3600.00}. I set up a new online account and began making automatic payments from my bank account each month between $ XXXX- {$250.00} each month. After 17 months of payments, I felt that I should be close to paying off the balance. Only after opening a previous statement did I realize that I was being charged the debt protection fee. This charge is not visible on the account summary and is buried on the statement. This charge was being placed on my account after my monthly statement was issued on the XXXX of every month, 6 days after the bill was due. This is an intentionally deceptive and illegal practice. I have been charged this fee, in varying rates, every month since XX/XX/XXXX, totaling {$340.00} in fees to date. 

I am absolutely outraged that a company thinks that it is acceptable business practice to charge fees on an account a week after the statement has been issued especially when a customer has not agreed to the services. In fact, Citibank is well aware that this is illegal. I guess that the XXXX in relief payments made to their customers and the XXXX penalty payment made to the Consumer Financial Protection Bureau was not enough for their company to stop this unlawful business practice. 

I did not enroll, elect, opt in, authorize or agree in any way to pay for this coverage on this purchase. I requested to be refunded immediately in full the total amount of fees charged to my account. I was told that my request would be reviewed within 30 days but I did not receive any documentation that a request was submitted, only a verbal statement from the debt protection services department. It 's fair to say that I do n't trust that they have their customers ' best interest in mind, nor do they plan to refund my account without a fight and legal persuasion. 

The agreed principle balance is {$3600.00}. To date ( XX/XX/XXXX ), {$3100.00} has been paid towards the principle balance due, with a remaining principle balance of {$500.00}. I have requested that the outstanding {$340.00} in unauthorized fees is to be refunded to my account no later than XX/XX/XXXX, the due date of my next statement. 

Company response: Company chooses not to provide a public response
Consumer complaint: I called XXXX XXXX XXXX to activate a replacement credit card today. The call was at approximately XXXX EST. The rep activated the card. He tried to sell me a balance transfer. I declined. He asked if I had any other questions. I told him I had recently transferred a balance to this card, and asked if I made a purchase how I would make a payment to avoid accruing interest. He gave me the correct information and then proceeded on a sales pitch to try to max out my credit line by direct depositing money into my account with a 4 % fee ( 18 month balance transfer ). He then went into the current soft pull of my credit report and told me that he saw I had outstanding balances with other banks and proceeded to use this information to try to sell me a balance transfer. 

I do n't have a problem with credit card companies offering their products and services. I do take issue with high pressure sales tactics, from a credit card provider, giving advice that will cause many to go into debt or irresponsibly spend. These sales tactics feel like the same ones banks/cc companies were using to position optional cross-sell products in 2010. For example, I believe he made the statement - " So this is a better option because it will cost you less '' ... which was n't true based on the information I had provided in the call. 

Company response: Company chooses not to provide a public response
Consumer complaint: My payments going towards 0 % first and payment not being applied to high interest rate of 25 % from bank of america. 

Company response: Company chooses not to provide a public response
Consumer complaint: I get repeated ( 3x/week for a year or more ) RECORDED phone calls from " Hunter Warfield '' asking for a person that does not live here and has never lived here, stating they are collecting on a debt. They give an option to hang up if you are not that person, but even though I hang up, the calls continue. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I am a cosigner on a private student loan for my daughter attending a XXXX university. In XXXX of XXXX, I was sent a letter notifying us that the loan was fixing to go in default because my daughter graduated in XXXX XXXX from the university. Payments for the loan was to begin in XXXX XXXX. A billing statement was received with the loan with monthly notes at {$410.00} at 10 % interest for {$25000.00}. My daughter and I both contacted the loan institution to see if refinancing was a possibility in lowering the monthly payments for her since she did not have a full time job as yet. Since XXXX of XXXX, my financial picture had significantly changed. My job required me to relocate XXXX hours away from my permanent residence resulting in purchasing temporary housing, added expense in gas and expenses to live away from home. We applied for financial hardship and payment assistance through the loan institution where they asked for additional documentation that we collected and faxed to them more than once in the timeframe requested.. We were denied the assistance. It was difficult in contacting the person in charge of our account and now the balance is increasing. I can afford to pay XXXX half of the payment amount that is required. My credit rating is reduced because the institution refuse to negotiate the monthly payments until our financial situation becomes better. My daughter attended XXXX University in XXXX, Texas. 

Company response: Company chooses not to provide a public response
Consumer complaint: NCC Business Services Inc has sent me a notice for a debt from a apartment complex XXXX. I have not received any documentation for the debt from the apartment complex nor have I been taken to court by XXXX in Maryland and got a judgement against me. I am a identity theft victim I do not want NCC Business Services to use my personal contact information or contact me. 

Company response: Company chooses not to provide a public response
Consumer complaint: A collection agency named Penn Credit has continuously contacted and harassed my elderly parents by phone in order to get information from them concerning an alleged debt that does not belong to me. Wen I attempted to explain this to them they just asked when I would be able to pay the debt and did not want to hear my explanation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is a direct dispute with Experian. I had a 30 day late listed on a XXXX XXXX account. The account number XXXX, date open XX/XX/2011. they have me listed as a 30 day late in XX/XX/2011. This is untrue and I have disputed this multiple times. I was infact not late and I need the account updated correctly. The account was paid as agreed, I paid XX/XX/XXXX payment, The motorcycle was stolen. the next payment date was XXXX. The check from the insurance company was sent to XXXX XXXX XXXX on XX/XX/XXXX. Therefore according to the Credit Reporting resource guide I can not be marked a 30 day late. The industry Standards set forth by the CRA states " the " clock '' for a 30-day delinquent account starts 30 days after the due date as opposed to the billing due date. How long it took XXXX XXXX to process the check when it arrived on XX/XX/XXXX is n't my, the consumers responsibility. They did in fact received the check within the 30 day window set forth by these standards and that payment should have been applied to my account on that date. All Experian has done is sent it to XXXX XXXX and they verify it. They have not done their due diligence in correcting it. I am asking this be corrected and report as a positive reporting account. I was not 30 days late and it was paid by my Insurance company within the allotted time frame. I have attached a letter from my insurance company for proof of when the payment was mail and it was not past the 30 day window of XX/XX/XXXX. I 'm not going to keep going back and forth with Experian, XXXX, and XXXX. I have done that multiple times. I want it corrected ASAP! I also want the comments deleted that says paid account/was 30 days past due date. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had XXXX charges that cleared last week, then my Wells Fargo account went negative qith XXXX charge. When I looked at my account again, XXXX or XXXX of the cleared charges had now shown a date that was after the account went negative. The next day, all XXXX charges were now after the overdraft date and the bank charged me a {$35.00} late charge for each of these purchases ( between $ XXXX ). So, I am even more negative now ( from {$170.00} to {$340.00} ). Also, within the last month, I have gone negative XXXX, but the bank later reversed the charges -- was charged an overdraft fee for each instance even though the overdraft had been reversed by the bank. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a collection letter in the amount of {$300.00} from CMRE a week after receiving a statement from my doctor 's office for the amount owed {$98.00}. This is XXXX of many instances of billing errors CMRE has pulled on me over the years. In many cases they say there has been numerous attempts to collect outstanding medical debt from me that I had never received a bill for from either the doctor or the collection agency. I pay all debt in full when requested in a timely manner always. I have never had to make payments on my debt. A collection agency should never be involved in handling my billing. I could have rushed to pay the {$300.00} bill from CMRE never considering if the amount was either correct or justified. Who knows if they would have ever saw the problem and refunded me. 

Company response: Company chooses not to provide a public response
Consumer complaint: The bank that I have my business account with always finds a way to tack on fees. The balance every two hours and they NEVER sleep so posting for withdraws is happening ALL night but deposits only post during normal business hours. The balance that shows up online does not match what they can see in the customer service department and there are as much as XXXX different balances that show up on the online website. I would like to see if this bank can be monitored for fraudulent practices. 

Company response: Company chooses not to provide a public response