AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX XXXX lists an amount due of {$6500.00} XXXX XXXX highest balance ) as a Collection/Charge-Off on my credit report. This account belonged to XXXX XXXX and I was listed as an Authorized User. I never used the card and it is still in the envelope in which it was originally sent. XXXX XXXX sold this account to XXXX XXXX and they filed a collection lawsuit against XXXX XXXX XXXX This lawsuit was Non-Suited by the Court and the amount claimed as due was deemed to be not owed. The attorney stated that the amount did not have to be paid to XXXX XXXX or to XXXX XXXX. When applying for a mortgage in late XXXX 2015, a conference call was held between XXXX XXXX , XXXX and XXXX XXXX XXXX XXXX XXXX refused to discuss the matter, so no resolution could be had. They were extremely abusive on that conference call to which we still have the recording. We were not able to secure the mortgage because of that derogatory listing on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: The loss claim process at AIMLOAN is utterly disappointing. While all others in our neighborhood recently struck with a damaging hailstorm have all simply had their insurance claim checks endorsed by their mortgage companies within a day of receiving them and with no further strings attached, AIM finally sent the XXXX of XXXX checks, XXXX weeks after I submitted the XXXX forms of required paper work and they misspelled the roofing company so now I get to wait another week. They require all kinds of endorsements and inspections among XXXX separate disbursements. I have a damaged roof waiting for the AIM process. After finally receiving a correct claim check after XXXX weeks, shingle prices increased causing an additional {$310.00} out of pocket cost to us. I believe their loss claim process is too onerous with the threshold set too low ( {$10000.00} ) Our claim is for a total of {$18000.00} making this a very difficult process. I own & gt ; 50 % equity in my home. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Doctor was paid by insurance after they appealed due to 'out of network ' status. Doctor chose to accept insurance payment and write off remainder. I have statement from doctor 's office showing XXXX balance that I owe. Debt collector, however, apparently did not receive the settlement notice from the doctor 's office and is continuing to pursue the balance from me a year after doctor 's office accepted settlement. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I became XXXX by illness XX/XX/XXXX. All my reserves were spent on medical costs. Missed a payment on my mortgage XX/XX/XXXX. Rec 'd notice of intent to foreclose from Countrywide XX/XX/XXXX. Vacated the house, in anticipation of foreclosure. Filed bankruptcy XX/XX/XXXX, discharged XX/XX/XXXX. Bank of America completely disregarded the bankruptcy and continued to try to persuade me to pay the mortgage, until XX/XX/XXXX, when they sold the mortgage to XXXX. XXXX continued to send me statements on a nonexistent mortgage. Both companies applied homeowners insurance to the property and told me I was responsible for that debt, too. Bank of America went so far as to put retroactive homeowners insurance debt on the property, dating back to at least a year before I stopped paying the insurance myself ; also dated before the bankruptcy by 4 months. They applied an {$11000.00} lien onto the mortgage, as well. I contacted the Comptroller of the Currency with my complaint with complete detail and, after many months was told that I still needed to pay Bank of America, regardless of the bankruptcy. This week I received a letter from something called XXXX XXXX XXXX, which claims to be working for XXXX. It appears they are starting the whole process of trying to collect on a loan that does n't exist. I am still XXXX and unable to work. Every month is a struggle to make the Social Security XXXX, now Social Security due to my age, last more than a few days into the month. These banks need to leave me alone. Bank of America should never have sold this nonexistent mortgage. I communicated all of this information to Bank of America, countless times, and then, to XXXX. Every time I receive a communication from these people, I am reminded of everything I 've lost due to my illness. The grief is unending. I do n't need to be harassed by banks that must have real business to attend to. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a charge card and was turned down in the bank 's letter tome dated XXXX/XXXX/15. The letter invited me to call XXXX withquestions but even though the personal at that number worked for thebank 's credit card operations they purported to have no way for meor even them to contact the banks credit card decision personal. 
The letter from the bank also invited me to appeal thedecision in writing which I promptly mailed XXXX/XXXX/15. 
Many attempts to obtain a written response tomy Appeal Credit Decision letter since have beenunsuccessful. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an a citi master card account since 2002. I have never been late on my payments. On their ( citi ) website I have an excellent credit fico score of XXXX. I was surprised when I called them today spoke to XXXX to ask them to lower interest rate which is at 20 %. They said NO. She said it goes with your credit report and when you applied for the card. It sounds ridiculous and I think citi are just stealing my money. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of america started an application for my home refinance. At the time of application my FICO was XXXX. They told me that XXXX of the delinquencies of a small $ amount due to miscommunication with XXXX of my lenders while as I was out of country was told to me as a non issue as long as I could provide a letter explaining the delinquency. In the process of lending, after the appraisal was done, the originator of from Bank of America suddenly asked the letter to be sent by the lender who had this delinquency. They changed requirements in between. More importantly appraisal showed significant equity in the house and my FICO is good. Originator from Bank of America abruptly stopped the deal. This led to waste of my appraisal cost. Also, I think this is a case of discrimination given after he received information on my race and nationality, they decided to flip on original decision. Would like to formally complaint and would like to seek damages in the amount of at least $ XXXX ( net present value of money I would have saved by refinancing at lower rate ) and appraisal cost of {$500.00}. 

Thanks! 
XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX I was traveling with XXXX XXXX on a ZED standby ticket. I attempted to access the XXXX XXXX XXXX XXXX mins before my flight. The XXXX agent working the XXXX XXXX check-in did not know the policy about Citi XXXX standby tickets and went above and beyond her duties to call the Citi XXXX customer service number on the back of my card to speak with Citi to determine if I should have access. The Citi representative gave false information to the XXXX agent about the eligibility of standby tickets and XXXX refused to grant me access to the club. Clearly in the terms and conditions of the Citi XXXX card it says " XXXX cardmembers must present a stand-by ticket or boarding pass, showing an XXXX, XXXX XXXX XXXX , XXXX, or an XXXX Connection carrier flight number, valid for travel on such flight. '' 

Company response: Company chooses not to provide a public response
Consumer complaint: wells fargo charged me over roughly XXXX dollars in charges. They also held a check up for {$890.00}. Then they closed an account without explanation so I can never recover my monies. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX,2015 I had a house fire in XXXX room of the existing house contain to XXXX room of the house not the mobile home that is mortgaged to Greentree. 
The insurance company paid off the fire but the check was made out to myself and Green Tree I was told to send the check for their endorsement in doing so they kept the check requesting different documents after submitting everything I thought they asked for they have yet to send me anything to complete the repairs with. I had a friend helping me with the repairs but he got a job and had too stop so I have done the job myself with donations and love offerings for family and friends and have explained this to them, now they want the contractor number and all sorts of things but have not release any of the funds. They did send back the money I paid the guy for helping and the little I paid for the supplies I was able to buy but, nothing since then I have tried on several occasions to speak with someone from the claims dept. when they 're not being rude they put me on hold then hang up and wo n't answer the phone anymore 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, XXXX I met with XXXX XXXX at Bank of America to start the HARP refinance of my existing BOA loan. I was to be for 4.125 % which would save me over {$200.00} a month. I now have a loan for 5 %, payment {$1600.00}. I have been with BOA since XX/XX/XXXX. My record of payment speaks for itself, never late, never missed a payment. It is now going on 5 months since this process started. First BOA said I needed a survey for my garage, built in XX/XX/XXXX. I got a copy from XXXX County and hand delivered it to XXXX XXXX. They said it was not acceptable and wanted me to pay for another survey. I received a settlement letter on XXXX/XXXX/XXXX from BOA, ( see attached ) that my cash settlement fee would be {$8000.00} and my new payment oat closing would be {$1500.00}. Which was incorrect. Another settlement letter came on XXXX/XXXX/XXXX. This one said my fee would be {$2900.00} and my payment would be {$1500.00}. Still XXXX XXXX said to ignore it, that these were wrong and they would send me a new settlement agreement. Then I got a letter from BOA, XXXX/XXXX/XXXX, saying that my house did not have a acceptable Title. ( see attached ). Then a delay of several weeks, XXXX XXXX of BOA said to ignore their letter of XXXX/XXXX/XXXX. As of today, I still do n't have a settlement, or closing date. It is going on 5 months. During this whole time, XXXX is holding my Home Equity loan and we ask them to sign a Subordination agreement. Again, impeccable record with them. I sent a check for {$250.00} with the paperwork, still did n't hear anything. They then said they did n't receive the check and paperwork, I wrote another and hand delivered it to the bank. They then said they could n't do the Subordination because I had too many delinquent accounts. I do not have any credit outstanding! I pay cash for everything and pay off my credit card every month, my Score is XXXX. This again delayed everything. Then they sent the missing check back to me and yesterday I received a notice telling me that they are cancelling the Subordination because of non payment of the {$250.00}. They second check was cashed on XXXX/XXXX/XXXX. One thing I do have to say is that XXXX XXXX has gone above and beyond everything he could do for me. They Cluster starts when it gets above his level and then no one has a clue. 

Company response: Company chooses not to provide a public response
Consumer complaint: Late Fee & Finance charge on each statement not allowing the account to be paid off with XXXX / XXXX. When calling representative " XXXX '', as well as others give credit of Late Fee after escalated words but new charge is reapplied. Late Fee is accessed even if there is not a balance on the account. Most recent statements have a Late Fee of {$77.00} which accumulates. Told statement is mailed by the XXXX but receive hard copy by the XXXX of the month. When calling the representative will not give you a Supervisor. Company holds payment past due date and mails statement out later than the rep. will state on the phone when speaking with XXXX XXXX. Feels like black mail and sheer embezzlement of funds. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm experiencing a hard time with Citi Bank. Citi Bank had a promotion in XX/XX/XXXX, which was Citi XXXX Access More credit card. They advertised that if you apply this credit card with Citi, then buy a phone at XXXX and spent {$2000.00} within XXXX months, then Citi Bank will give you a {$650.00} credit. I applied the credit card and got approved on Citi website, and follow the link to purchase a phone then got re-directed to XXXX website, then placed the order and received confirmation email on XXXX/XXXX/2015. Then XXXX emailed and let me go to their local store and get my identification verified, so I went and got the phone at their local store. Then I started to spend money with that credit card, by XXXX/XXXX/15 I had already spent {$2000.00}. I called Citi customer service on XXXX/XXXX/15 and asked if I need to fax or submit anything to get the {$650.00} credit as they said in advertisement, the representative said no and she had seen all the transactions and I was qualified so I should see the credit on that billing cycle. I did and I did n't see the credit. I called again on XXXX/XXXX/15, talked to an account manager called XXXX in XXXX office, she checked and said I would have the credit on my account on the next business day. I waited again, but disappointed again. I called on XXXX/XXXX/2015 again, and requested to speak to XXXX, got refused by the representative, and she told me I had to fax them the purchase receipt of the phone and I should have the credit on my account in 5 business days. All right, as long as you give me the credit, I did fax the receipt to them on XXXX/XXXX/15. Unfortunately, I did n't see the credit by then. I called again on XXXX/XXXX/2015, this time another account manager called XXXX in XXXX office spoke to me and said I was not qualified since I did n't buy the phone through the link. I told her I did, I followed the link and placed the order and read the email from XXXX Then she said since I just faxed the receipt, it would take another XXXX billing cycle to see the {$650.00}. And she lied that someone from XXXX office had contacted today regarding this, actually nobody from Citi Bank had ever contacted me even though they promised that someone would call me every time. I paid all my balance, I just need my {$650.00} credit back. If people have overdue payment with Citi Bank, they will charge them a high interest, how about this? 

Company response: Company chooses not to provide a public response
Consumer complaint: After review my credit report i founded my old auto loan from XXXX XXXX which this financial agency was closed and given to another financial bank Ally Bank. In 2011, the Ally Bank sent a tax form XXXX Forgive Debt to me and i submitted a copy of this form to all credit agencies to removed this account from credit bureau but this account still showing with no action taken. 

Company response: Company chooses not to provide a public response
Consumer complaint: repeated unwanted phone calls 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I originally had XXXX school loans with XXXX that were transferred to XXXX in XXXX. In XXXX both loans with XXXX were paid in full. Now in XXXX I pulled my credit reports from XXXX XXXX and transunion saw XXXX is reporting both loans payment history incorrectly ; in payment history XXXX since XXXX reports no payment history until XXXX, which is the final payment payment owed. Also XXXX does not report who the original creditor, XXXX XXXX on either account. This is completely inaccurate. I disputed both loans on all XXXX credit reports. In XXXX I received notice from all XXXX bureaus verified the information as accurate. Per fair credit reporting act, a creditor has to report complete and accurate information to credit bureaus by law or if incomplete and inaccurate by law has to be removed from a credit report at all credit bureaus. Also under fcra I have the right to request from the creditor the information provided to the credit bureaus to verify the debt information as accurate. So I called XXXX on XX/XX/XXXX and spoke to rep XXXX employee ID number XXXX. I advised her of my plight, and I was requesting that a copy of that information be sent to me that was used to verify the payment history per my rights under fcra. XXXX informed me that they do n't actually keep record of each payment you make and when. They only report the date when the account has been paid in full. In my case, XX/XX/XXXX. Which is exactly what 's reported on all XXXX credit reports, no other pay history accept being paid in full on XXXX. I advised XXXX of fcra law, and I wanted the accounts removed. XXXX refused also to send copies of the information sent to credit bureaus to verify accounts and XXXX advised that was n't going to happen either. I stated under fcra law it was my right to ask for and receive this information, if they refused they are violating fcra law and can be sued. XXXX laughed then asked if I knew how long XXXX has operated like that, and if they were breaking laws someone would have complained about it before.i advised her you know your on a recorded line and admitting XXXX is violating fcra laws. XXXX can be sued for this, I then asked how to reach their legal department, XXXX then advised that XXXX does n't have XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: The information was closed and reversed 

Company response: Company chooses not to provide a public response
Consumer complaint: WellsFargo did not pay XXXX County property taxes on time. Due XXXX, and not fully paid until XXXX, and a lien placed causing now my credit report to look like I did not pay on-time when I was not fully notified. 

Company response: Company chooses not to provide a public response
Consumer complaint: I noticed a suspicious looking charge on my USAA Mastercard. The details are : Merchant or Business Name : Virtual OfficeAmount : $ XXXXTransaction Date : XXXX XXXX, 2015. 
I contacted USAA to report this as fraud. USAA did not do any investigation. USAA said I was present in New York when this transaction happened. I was not in NY and have not been anywhere near NY in 20 years. I sent USAA an affidavit proving that I was not in New York in XX/XX/XXXX. USAA did not provide any receipt or anything to show that I personally made this charge. No signed receipt was provided. 
Under the Consumer Protection XXXX, I believe consumers are not liable for fraudulent charges. 
My complaint is that USAA is violating that charge by holding me responsible for something I did not buy. My requested resolution is for USAA to deduct the {$71.00} from my account. USAA did not even change my credit card number as I requested in XX/XX/XXXX. Their customer service is very poor. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: WellsFargo did not pay my county taxes on time. They did not alert me that they 're may not have been sufficient funds in my escrow. This caused me to have my credit report show a lien placed which looks like I did not pay on time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I got phone call from ARC around XX/XX/XXXX and got a mail XX/XX/XXXX, XXXX report me to credit bureau on XXXX XXXX, even before I got notice from them!!! 
accounting to " Fair Debt Collection Practices Act '' this federal law said '' Debt Collector Must Send Written Notice of a Debt '' and with five days of contacting me, a debt collector must send me a written notice telling me the amount of money I owe and the name of the creditor. But ARC DO NOT do this! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had hade a XXXX, and a company XXXX XXXX remote services had sent me a XXXX that would check my XXXX once a month, I received notice the XXXX was discontinuing this service and for me to send the equipment back to them, which I did. For the next few months I would get a phone call from XXXX calling to check my XXXX, I explained that I had returned the equipment at the request of the company. 
Evidently they were still billing XXXX and of course they would not pay because they were not providing the service any longer. 
And XXXX started trying to collect from me. I had explained that I no longer had the machine nor was there any service provided. 
But it fell on deaf ears. I filed the paperwork necessary to prove my claim several times, but to no avail. I am at my wits end as to how to make this collection claim go away. It is not a lot of money about {$60.00} I think, but it is the principle od it I do not owe it. 
I have contacted the collection agency several times and they tell me that they can not provide me with the original bill, as XXXX has gone out od business. I feel tat this is some sort of scam and I need your help to resolve it. 
Thank you, 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: On or about XXXX XXXX, 2015, Borrowers contacted Wells Fargo Bank concerning the correct interest rate calculation for the repayment period once the draw period ends on XXXX/XXXX/2015, and to explain the ambiguous terms of the Borrowers ' Line of Credit with Wells Fargo which do not support the estimated finance charge of 5.425 % during the repayment period for the subject Line of Credit. In this respect, Borrowers also requested a written reply to Borrowers ' inquiry in a letter dated XXXX XXXX, 2015, to Wells Fargo which Borrowers have not received a written response. 

Despite Borrowers ' repeated good faith attempts to resolve the subject correct interest rate calculation with Wells Fargo, Borrowers submit that Wells Fargo has failed to provide a timely and complete response and has committed unfair, deceptive and abusive acts and practices concerning the subject inquiry within the meaning of The Consumer Credit Protection Act, 15 U.S.C. 1601 et seq. Further, Wells Fargo 's unfair actions are also supported by the documentation herein provided by Borrowers. 

Moreover, since Borrowers first contacted Wells Fargo on XXXX XXXX, 2015, Wells Fargo through its employees and/or agents have made misleading representations concerning its alleged efforts to research and resolve Borrowers ' inquiry by mailing several stall letters dated XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX purporting to provide a final resolution to Borrowers ' subject inquiry. However, as of this writing Wells Fargo has failed to provide a proper and complete response to the Borrowers to address Borrowers ' position concerning the correct interest rate to be applied during the repayment period. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received an email from XXXX XXXX on XX/XX/XXXX indicating I have an account in collection. To my surprise, I see that my credit score has dropped over XXXX points for an account in collection for XXXX measly dollars that was apparently opened on XX/XX/XXXX. I have no idea what this company is or what this collection is for. This needs to be removed from my credit report IMMEDIATELY. 

Company response: Company chooses not to provide a public response