AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I applied for Citi XXXX with XXXX month 0 % promotional APR and charged on the card on XX/XX/XXXX. On the statement with due date XXXX, it stated the promotion would end in XXXX billing periods. Originally I planned to pay off the full balance by XXXX. However, I forgot about it when I made payment on XX/XX/XXXX and there was remaining balance on the account, and only realized when I received the statement with over {$100.00} interest charge, calculated with the regular interest rate of 18.99 %. To prevent further interest charge, I paid the full balance by the due date. Out of my surprise, I received yet another interest charge close to {$100.00}. After calling the customer service, I was told if there was any balance, it required paying the full balance for XXXX months to prevent any further interest charge. 
Afterwards I read carefully on the statements, and realized that when the balance was not paid off on XX/XX/XXXX, Citi started to accrue the interest, not from XX/XX/XXXX, but from previous due date of XX/XX/XXXX. This calculation may be correct if the interest rate of previous month was already 18.99 %. But in this case, the interest rate of previous month should still be the promotional rate of 0.0 %. So Citi actually collected XXXX more month of interest. 
Citi may argue the promotional rate already ended even earlier. That is exactly the trick they play. Unlike other credit card companies that specifically states the date the promotional rate ends, Citi ambiguously states the rate ends in a certain billing period, with no specific date given. So Citi may argue the promotional rate ends at beginning of the billing period, rather than end of the billing period as we customers would assume. 
For people to prevent from making the same mistake, I recommend applying for cards that states clearly when the promotional period starts and ends, and avoid credit cards vaguely describe how interest charge is calculated, so that you will not be surprised. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed my account showing late pays - the account has been paid off and the late days that were reported were suppose to be removed due to an agreement I made with XXXX in exchange for paying the account off. I also do not agree with the XXXX late pays that are shown on all XXXX of my reports. I have asked for documentation and that has not been provided. the account is paid and closed- I would like the late fees removed as agreed per telephone conversation- I do not agree with any late fees but paid account off as conns said they would be removed 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX Citi Cards ( Citibank N. A. ) sent my credit card to an unknown address. I had all cards in my possession and had early warning and notification for any activity. In which I always received warnings for purchases I made on my own card. In this case there was no notification of sending a new card to a XXXX party address. The XXXX party charged approximate {$5000.00} cash in $ XXXX increments. This should have been a huge red flag with notifications to me. Now I want to sue Citibank N.A . in Ca. in XXXX XXXX, however seems to be a discrepancy with the address for process of service. Nothing on the XXXX of state site for CA. Now in XX/XX/XXXX Citibank has sold the fraudulent debt to XXXX XXXX. What can I do to Resolve this fraudulent account on my credit report? 
XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a public record judgement reporting on my credit file and it is not mine. I have requested the removal many times and they have not removed it. 

Company response: Company chooses not to provide a public response
Consumer complaint: The promised card benefits ( purchase protection ) was not honored 

Company response: Company chooses not to provide a public response
Consumer complaint: I have repeatedly told this company I was not the originator of this contract. However, they have pulled my credit report without my approval telling me how much I can afford to pay them when I did not sign any contract with them for an alarm system. This have been going on for years battling I did not sign a contract for I was not living in the house I own but with my daughter in XXXX, Fl and my house is in XXXX, Fl. They have threaten me numerous times because I am a XXXX citizen I feel this company is trying to exploit me out of money by threats. They are calling up to XXXX times a day and I have asked them to not call my phone anymore but they continue to do so. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a company that goes by the name XXXX XXXX. They have been harassing my family and my in-laws. They even called my fianc at his place of business. They are threatening to sue me for a debt that is beyond the statute of limitations. The debt is over 8 years old and is no longer on my credit report. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: XXXX Services Inc. is reporting a non paid red light ticket on XXXX. This is not consumer debt and should not be reported on my credit bureau. These tickets are not mine. Another individual was driving my car and I was not in the car at the time of the occurrences. I was told I am responsible when someone else is driving my car. 

I have called both the credit bureaus and the collection agencies. They said they can do this. This is not consumer debt these are fines. Traffic Violations are not reported to credit bureaus. Therefore all of these fines which are not mine should not be reporting on my credit bureau. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I signed up for the XXXX XXXX card XX/XX/2014 with a {$75.00} annual fee, offered with great benefits which included XXXX night free on reward stays which was the primary reason for signing up for this card. XX/XX/XXXX, they announced they would strip that benefit and I 'm left with an annual fee and a hard inquiry on my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is not my bill. I am disputing the experian credit bureau to remove this from my credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: For the last seven years I was in foster care. Last summer at XXXX years old I signed myself out and was forced to stay with my estranged father and stepmother. This was out of financial necessity. I was told that we were going to XXXX store for a family plan. I assumed that it would be in either my father or my stepmothers name. When signing the contract for XXXX I was told that it was for just my phone. Instead I was signing a contract for XXXX smart phones. I did not realize this until about a month later when I got the bill. Any attempts that I made to rectify the situation failed. The other people in the contract refused to help pay the debt and let their phones default. I was nave and had no idea how to fix the situation. I did not want to ruin my credit so I called XXXX and made payment arrangements for a bill over {$2000.00}. I recently lost my job and was unable to make a payment and XXXX sent my account into collections. XXXX refused to negotiate and I do not feel that is my responsibility to pay the full debt. I feel that XXXX was negligent in that the XXXX representative at the store did not explain to me what I was signing and did not contradict what my father had told me. I feel that I was taking advantage of. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2015 my EastWestBank card was flagged as being suspected of fraud activity. Elan Financial Services manages security and fraud activity for EastWestBank. VISA notified Elan Financial Services on XXXX XXXX, 2015 that they had suspected that my EastWestBank card of fraudulent activity. 
Elan Financial Services never notified me that my EastWestBank card was flagged as being suspected of fraud activity. I was carrying and using a suspected fraudaulent credit card for days before I discovered this status. And I only discovered that my credit card was suspected of fraud on XXXX XXXX, 2015 when Elan Financial Services denied a purchasedI made to XXXX. I was never notified. 
I spoke to a manager of the fraud department at Elan Financial Services on XXXX XXXX. He informed me that notifying the card member of any fraud activity is optional. I have other credit cards who not only notified me of suspected fraud actiivty but issued a new credit card immediately. 
As the card member, do I have the right to be notified immediately when my credit card is supected of fraudulent actiivity? 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent a certified letter on XXXX/XXXX/2015 requesting validation of this debt. On XXXX/XXXX/2015, I received a letter from CMRE Financial Stating that this letter confirm that the request for deletion has been electronically submitted to all the credit bureaus. Unfortunately today is XXXX XXXX, 2015 and this negative account is still showing up on my records. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am have been working to get a mortgage for over 2 months now. The lender, Loan Depot, has been slow the entire time and takes days to review a single document. We 're finally at the Final Review stage and now they come up with more things that could have been done weeks and weeks ago. This lender has done nothing to help move along the process and has in my estimation, held up the loan with their service. My broker tells me they are short staffed and got a whole bunch of mortgages because the rates are low. But do n't they have to have some sort of time frame to get things done in? Are there any federal or state guidelines? The contract I signed with the seller expired on XXXX XXXX and she was ready to cancel. I talked her out of that by going to another lender locally here in XXXX. This was XXXX weeks ago. The new lender, XXXX XXXX XXXX has been much better. They wanted my appraisal and began the process of transferring it over from Loan Depot. No surprise, but Loan Depot delayed sending it over for a week after XXXX sent all the request paperwork to them. Loan Depot was still trying to keep my loan with them. Everything they have done has taken longer than it should have. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XX/XX/2015 I attempted to use a a XXXX XXXX XXXX. This card denied to be used. 
I reviewed the card and it had a valid thru XX/XX/2015 date. I had not needed to use the card untiltoday. I contacted Citi Customer Service on XX/XX/2015 to have the card reissued. I spoke with XXXX # XXXX and supervisor XXXX # XXXX. Both representative indicated that the card could could not be re-issued. There was {$200.00} on the card. And, that the {$200.00} was lost. 

Company response: Company chooses not to provide a public response
Consumer complaint: Called all of my family members they could find and gave them a number that is no longer in service. When I did receive there call personally they told me they were going to sue me for debt that I do n't owe and which is probably ten years old. They refused to take my lawyers information or give me any information to contact them. 

Company response: Company chooses not to provide a public response
Consumer complaint: United Security Financial Corp has selected " XXXX '' to service our VA mortgage after years with another firm. We are paid by the govt every XXXX of the month and have been making an electronic payment from our bank on this date throughout the term of the loan. We have NEVER missed or late on a payment. Their agent, XXXX, has now initiated debt collection calls on the XXXX and informed us that they will continue to harass us on the XXXX of every month hereafter. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: Our XXXX mtg was late in XXXX 2006, because this is over 7 years it should be removed from our credit reports. The XXXX mtg was sold several times. The XXXX account with XXXX is the acct that was late in 2006 and then when it was sold back to them it had a new account number but they are deleting the account. See attached documents 

Company response: Company chooses not to provide a public response
Consumer complaint: I was contacted with a debt collection agency called HRR & G their number XXXX at XXXX on XXXX XXXX 2015. They left an electronic voice message asking me to call them asap for a debt collection issue. I did after two minutes receiving the message. They told me that XXXX XXXX XXXX of XXXX has sent my account to collection on XXXX XXXX 2015. After seeing me at the emergency room at XXXX hospital in XXXX Arizona on XXXX XXXX 2015. This was the first time I received any communication XXXX XXXX XXXX XXXX either by phone or by mail. I told them that I never received any invoices from him, however, I did receive XXXX other invoices from the company that read the XXXX and the XXXX and the hospital I received their invoice on XXXX XXXX 2015 and I paid it XXXX XXXX XXXX 2015 at XXXX and it was the first time the hospital sent me an invoice. I did call the hospital after receiving an invoice from them after five months and five days and the hospital told me that the insurance just finalized the payment on XXXX XXXX 2015. I asked the collection agency to send me a copy of the invoice that they from XXXX XXXX XXXX. The problem I have is, the collection agency already sent my file to credit agencies, at least that 's what they are saying initial, then they retracted it. not sure what to believe. XXXX XXXX XXXX never sent a bill or made any calls to me. I received invoiced from XXXX other providers that saw me at the same hospital visits and I paid them all upon receipt. I believe XXXX XXXX XXXX violated fair debt collection act by sending me to collection without sending me an invoice or attempt to contact me and let me know that I have an invoice from him. Why other providers invoices were received and his invoice was not, his invoice a small fraction of the hospital invoice. I believe XXXX XXXX XXXX and his company XXXX are not doing a good job billing their patients resulting in issues like mine. I attempted to call XXXX XXXX XXXX and the office of consumer affair at XXXX several time today on XXXX XXXX and no one took my calls or took messages from me. I called their billing office after speaking with the telephone operator at XXXX and the billing office refuse to talk to me since my file has already been sent to collection on XXXX XXXX 2015. There 's no way that XXXX XXXX XXXX was able to send the claim to my insurance company from a XXXX XXXX 2015 visit and send me an invoice and a final notice before sending me to collection by XXXX XXXX 2015. This is a blunder on XXXX XXXX XXXX and I want him to correct it by sending me an invoice so I can pay him immediately. I wish he or anyone in his office returns my calls after many failed attempts to call him and his office, only an operator answers the phone and gives me other number to call and no one answers these lines. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Incorrect information on my credit report. I paid on time but the creditor took 4 months to process my payments which in turn made me look like i was late and they are not disputing that the problem was on their end. 

Company response: Company chooses not to provide a public response
Consumer complaint: I occasionally sell items on eBay and use PayPal to collect payments. I depend on PayPal who has the relationship with the purchaser to tell me when they have received funds and it is safe for me to send out the item they purchased on eBay. I happened to have sold a 1-year subscription to XXXX XXXX that was paid for through PayPal. PayPal/eBay sent me the notification that I was okay to provide the buyer with what they had purchased. It happened to be an electronic key that I provided to the buyer through Ebays messaging service. PayPal came back to me saying they payment was returned by the purchasers bank and that it is not covered by their Payment Protection. So ultimately PayPal received payment, told me it was safe to deliver the product, payment was returned by the bank, and I am liable for the full amount. So I am out the {$57.00} that I should have earned by selling the product as well as fees I had to pay to eBay which is roughly 10 % of the purchase price. The customer used the product, and I paid for it. It was likely a fraudlant transaction from the beginning but Ebay and PayPal allowed it to happen. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have an FHA mortgage with Bank of America and I have been begging them for the last 3 years to refinance my mortgage. They sent me a XXXX page application to fill out which I did and then faxed it to where they told me to. I am in the midst of a XXXX and my wife, very soon to be XXXX, wants no part of the house as I am so upside down with it. The bank is telling me that since her name is on the original mortgage -- -although she was unemployed and made no contribution financially to the mortgage when we got it -- -they insist on all her financial information and will not move on the application for the refinance. I am between a rock and a hard place as I have just recently retired ( XXXX/XXXX/15 and am now living on Social Security and a State pension. I am at 5 and 1/8 % and I know they can do much better than that but they are completely at a stand still in the process and I am getting no relief from them whatsoever. If you could help me I would be exceedingly grateful. Thank You in advance. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, XXXX I received a XXXX from " XXXX XXXX XXXX, XXXX. '' XXXX XXXX XXXX, XXXX XXXX, TX XXXX for a Debt Discharged of {$33.00}, XXXX. XXXX. I immediately called them and told them there is a mistake, as I have no accounts with them and never had any. They informed me they were trying to collect on a debt from a XXXX XXXX XXXX XXXX, on a credit card that he took out in XXXX. I informed them that XXXX XXXX XXXX had been my husband, but we had been estranged for many years and lived in different states. Also, I told them that XXXX XXXX XXXX had died in XXXX after a long battle with XXXX XXXX. When I received this XXXX in XXXX I called the attorney who handled the debts at the time of XXXX death and this attorney said I was not responsible for any of XXXX debts. He also said that Virginia does n't recognize any debts after 7 years. When I told XXXX XXXX XXXX this on the phone they said they would have the Fraud and Claims Dept contact me. On XXXX XXXX, XXXX I received a " form letter, '' with no signature, from XXXX XXXX XXXX Fraud and Claim Dept. The form letter said the I will be responsible for any balance on the account. Thus I am contacting you for help. I do n't feel I should be responsible for a dead person 's credit card debts from XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was sold patio furniture by XXXX and I find it to be sub-par. I want a refund to replace the faded cushions and ripped and torn covers. Below is my correspondence with the company, and the transaction details ( plus an additional {$130.00} they charged me for patios covers- see pictures attached ). 
Dear XXXX, How long do you think this outdoor set will last under normal conditions? 

Thank you. 

- XXXX XXXX, The frame is powder coated aluminum so it will not rust. We sell outdoor storage covers to help protect the furniture. I would recommend putting it inside somewhere during winter months to help the longevity of the product. If you take all these steps there is no reason this furniture will not last years and years. 

- XXXX XXXX, Attached are pictures of the patio set I bought from you 9 months ago. I had to order the 'covers ' from you because the red cushions I ordered turned pink in the sun the first day. They are so bad now, I just leave the furniture covered ; I will probably have to buy expensive fabric paint and paint them so they are not such an embarrassment. The covers are completely and utterly worthless ; they tear like tissue paper. I live in downtown XXXX XXXX where it rarely rains, there is no wind, and the average temperature is XXXX degrees. There is no snow or thunderstorms. For the money I spent, I am very, very, very disappointed in the product you sold me. 
XXXX XXXX XXXXPaid withVISA x-XXXXYou 'll see " PAYPAL XXXX '' on your card statement. 
Shipped toXXXX XXXXXXXX XXXX XXXX, CA XXXXUnited StatesTrack your shipmentXXXXXXXX XXXX, Marked as shippedStatus : ShippedTransaction XXXX infoXXXX XXXX ( XXXX ) XXXXXXXXXXXX to XXXX XXXX red cushions, please. Any issues, please do not hesitate to contact me. Thanks again, XXXX XXXXYour purchaseXXXX PC Modern Outdoor All Weather Wicker Rattan Patio Set Sectional Sofa Furniture $ XXXXItem # XXXXShipping $ XXXXTax $ 0.00Purchase total $ XXXXFee $ 0.00Total {$1100.00} 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX times I 've tried ( with different browsers - XXXX and XXXX ) to obtain my credit report. The last time I received my credit reports was probably 2 years ago, so I 'm certainly within my time frame right. Even after resetting XXXX browsers ( deleting all cookies and history and restarting my computer ), AND FILLING OUT ALL THE INFORMATION, THEN TAKEN TO A XXXX PAGE WHERE THE INFORMATION WAS CONFIRMED, I received an error message that my request could not be completed. I was then directed to a phone number to obtain my credit report. After going through the tedious and time consuming process of entering all of my information on the phone when I reached the point where I was provided the opportunity to order my credit reports, the system prompted me to enter XXXX for XXXX of the company reports - I do n't remember which, Experian, XXXX, whichever, XXXX for the next, XXXX for the XXXX ( I 'll call them x, y and z for the balance of this text ). I pressed XXXX ' and there was silence. After a long wait the system repeated - as if I 'd never pressed a key - " XXXX for x, XXXX for y, XXXX for z. '' This time I repeatedly pressed and spoke " XXXX. '' Again after a long wait the system repeated the question again : XXXX for x, XXXX for y, XXXX for z. I hung up and tried again through the whole process. This time after finally reaching the point where the system prompted me I repeatedly pressed XXXX. ' I THINK the system recognized my input because I then received a prompt for " Press XXXX for another report, XXXX if you are finished. '' I pressed XXXX repeatedly and received the response " thank you, good bye. '' Clearly, the 'Free ' is not forthcoming. The on-line system failed and the phone system that I was directed to failed as well. 

Company response: Company chooses not to provide a public response