AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My husband and I bought electronic equipment on a Best Buy credit card, which account was opened specifically for the purchase and which carried no interest for 5 years. The account is held by Citibank. I immediately set up an automatic payment for the account, paying half of the minimum due every two weeks. At the time, my husband and I were employed at a company that pays every two weeks. My husband is still employed there ; I have since retired. No further purchases have been made with this credit card. 
In XXXX XXXX, I discovered that I 'd accidentally set up the payment for a single payment of {$57.00}, payed in XXXX XXXX ; I promptly paid the {$130.00} due, bring the account current. I have been paying {$28.00} every XXXX weeks since then. 
I just got a phone call saying I owed {$110.00} because of a late payment. I did n't understand how I could be late when I 'm paying an extra full payment a year. I spoke with the manager and she finally told me that my payment hit on the XXXX of the month, when I was supposed to make the payment no later than the XXXX. I asked how I could be late when I was making an extra payment every year and she said that we were not allowed to pay the account early!! I was charged over {$200.00} in late fees last year, by their own admission, because I paid my account early and the funds were applied to my balance rather than to the next month 's payment. 
I have brought my account up to date and have changed the payment date to the XXXX of each month and the payment amount to the full minimum payment. 
I feel that Citibank engaged in deceptive practices in order to charge late penalties. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received several letters and phone calls in the past, but they were never able to verify the debt belonged to me. I recently pulled up a copy of my credit report and it still remains on my report. If there is no verification and the information that they asked in the past does n't match, then this line item from my credit report needs to be removed promptly Phoenix Financial Services LLC 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: An overdraft activity was happened because of the death of my family relative and his burial help. I called Bank of America ( BOA ) branch as well as internal recovery services, XXXX XXXX XXXX, TX XXXX about the issue and financial difficulty and request for corporation and help and after I paid full and my balance was {$0.00}. So, I received a letter for {$0.00} from BOA. Instead to receive money full they put negative remarks and comments in the XXXX. I requested them that they need to remove false/wrong/unjustified statement after they received full payment and the balance is {$0.00}. They need to fix the XXXX and make a correction in the account system that they already receive full payment. It is indicating that complete fraud and harassment attitude from the Bank od America. Please take a necessary action to safe my credit which is damaging form BOA blackmailing and poor services. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made a phone call to Delta Management Associates to inquire about the status of a loan rehabilitation application. The call was placed on XXXX XXXX at XXXX. While I was trying to obtain information, the Delta representative I was speaking to, a male with a southern accent, muffled the phone and started making jokes and laughing with a colleague. Based on the flow of the conversation, it can be safely assumed that he was making fun of the issues brought up during my call which constitutes abusive behavior and language. Abusive language does not need to limit itself to obscene language - it can also apply to tactics made to mock, diminish or otherwise ridicule a consumer. I felt ridiculed and his behavior was highly inappropriate. I requested to speak to another customer service representative and was transferred over to XXXX XXXX, who handled herself in a more professional fashion. This representative 's behavior was unacceptable and needs to be addressed promptly. 

Company response: Company chooses not to provide a public response
Consumer complaint: in XX/XX/XXXX my spouse, i co signed an apartment lease for my sister and her partner. due to XXXX she was not able to pay so she quit the apartment within the 2 day time frame allowed before additional month charge would apply. apartment was left in GREAT condition. when walk through with manager was conducted she stated that only carpet cleaning would be charged and late month. rounding the amount debt would have been no more than {$1500.00}. when attempted to pay XXXX, they declined payment. credit report now shows a debt of {$3100.00}. 
XX/XX/XXXX i hired the services of XXXX XXXX XXXX due to identity theft and they noticed IQ data reported different amounts owed to different credit bureaus. IQ data states that debt has earned interest and not to contact them without a lump sum to be considered. IQ data has declined written confirmation of debt and keep repeating " you signed the lease, we do n't care who pays. we are doing you a courtesy of allowing this conversation '' 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/2015 a Hard Inquiry was done by XXXX XXXX, XXXX, XXXX, XXXX WITHOUT MY PERMISSION AND DONE ILLEGALLY WITHOUT MY KNOWLEDGE and should be removed immediately. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I filed a complaint my # is XXXX I receive some documentation from my Mortgage Company That they must clear up. I am forwarding the document to you after I explain how fraudulent they are. 
This letter dated XXXX XXXX 2015 states they were contacted on XXXX XXXX 2015 for a payment {$850.00} to be made on XXXX XXXX this is FALSE TOTALLY FALSE. The mortgage payment will be paid on XXXX XXXX 2015 IN THE AMOUNT OF {$850.00} TWO DAYS AWAY. I WOULD NOT HAVE CALLED ON XXXX XXXX 2015 to make a payment that is going to be paid through my bank in two days on XXXX XXXX 2015 that is schedule procedure every month. 
On XXXX XXXX 2015 the payment was made through as schedule and arrive at America 's Servicing Company on XXXX XXXX 2015. 
On XXXX XXXX 2015 the Bank fraudulently create an electronic check to my bank for {$850.00}. I was now in the negative and was charged {$30.00}. 
On XXXX XXXX 2015 they again entered the same check and again I was still negative and another {$30.00} charge to my account. 
On XXXX XXXX the check was entered again and I was charge {$30.00}. 
This Electronic check should not have been done they were paid the Mortgage on XXXX XXXX as schedule for my payment each month through the bank. 
Copies of the documents will follow. 
I am so tired of been Harass and threaten by this bank. I purchase this house for my MY PRIMARY HOME DURING MY RETIRED YEARS AND MY MORTGAGE IS MY FIRST AND FOREMOST GOAL. 
I AM EXPERIENCING A FINANCIAL STRUGLE AND I ENTER COUNCELING I REQUEST A MODIFICATION OR REFINANCING AND HAVE BEEN TURNED DOWN ALWAYS. 
MY INTREST RATE IS 8 % AND THEY REFUSE TO LOWER SAME FOR ME. THEY ONLY HARASS YOU AND TREATHENED YOU. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian notified me on XXXX/XXXX/2016 that there has been a change in my credit score. When i logged in I noticed there is recent XXXX activity on my credit report, which lowered my credit score. 
I did not authorize an inquiry therefore, I suspect there has been an attempted ID theft. 
Experian is unresponsive to my inquiries. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This is a paid debt that is more than 10 years ago and yet the original creditor charged it-off but continues to report it even though it is very old. The collection agency has switched several times over 10 years. The current collection firm will not provide me with the note signed by me nor a listing of all payments and dates. This is the third collection agency for this debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: A collection agency is attempting to collect a debt that belongs to my ex-husband. It involves XXXX XXXX. The debt has been reported on my credit reports. 
My name was NEVER on the account. When I was married, I could not call and discuss the power bill because I was not on the account. I have repeatedly tried to convey this to Collection Services of Athens. 
When I asked for proof, the collection agency simply sent me a MEMO with my name, the name of my ex-husband, the address, dates of service and the amount owed. When I disputed that document, as it was unacceptable, they sent a photocopy on XXXX XXXX letterhead with the same memo copied onto it. Again, that is unacceptable and, in my opinion, fraud. 
This collection is operating in a manner that hurts innocent consumers. They evidently did not ask XXXX XXXX for proof of the debt. XXXX XXXX is also responsible, as they illegally reported the debt in my name. 

Please help me in clearing up this matter. Thank you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Regions has processed a transaction instead of rejecting it as I had refused the overdraft protection on my business checking account. I was then charged an exorbitant {$36.00} overdraft fee. Upon talking to the XXXX XXXX, LA branch manager on XXXX XXXX, 2016, I was told that after a certain period of time, accounts are automatically enrolled in the overdraft protection, even if the account holder initially refused the service. Regions and the branch manager refused to remove the {$36.00} overdraft fee., 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a PMI on my fixed Santander Mortgage. I asked Santander to please send me the parameters for PMI removal. I have enclosed that letter ( PMIRemovalLetter ). Also copies of the appraisal ( Co-opAppraisal ) and the PMI removal request letter ( PMILetter ) all of which satisfied the PMI removal criteria as stated in the Santander PMI removal letter. In addition I am enclosing their denial letter ( PMIRemovalLetter ) and the page of Santander approved appraiser list showing the company that issued the appraisal. 
They gave XXXX reasons for the denial : none of these issues were points in the original letter and also do not affect the appraisal value. I understand the clerical error stated in point XXXX and I will address that issue if necessary. But, the only difference in a new appraisal by the same exact appraiser that I can see is to generate a fee for Santander. 
I have fulfilled the conditions as requested by Santander Bank, N.A. and I am asking that they honor their written word and terminate the PMI if not from the original date of receipt ( XXXX/XXXX/16 ), then as soon as possible. 
Thank you in advance for your kind assistance in this matter. Please let me know if I can offer any further clarification and/or information to facilitate this process. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I signed up for a Citigold card in XX/XX/XXXX. Citibank said that they would give me a {$400.00} for signing up. I satisfied all the terms. Yet I have n't received the bonus. I 've complained to the brank about this over 15 times. They keep " investigating '' but no bonus for me. This is fraudulent and deceptive. I am XXXX years old. This is deceptive to seniors! 

Company response: Company chooses not to provide a public response
Consumer complaint: I am receiving calls from " Summit Receivables ''. Their phone number is XXXX. I do n't answer these calls because I believe them to be fraudulent. A woman leaves a message on my voicemail stating that I spoke with someone in a different department and left a negative impression, so things do n't look good for me. She also says she does n't have much time to resolve my debt issue and that she 'd appreciate a prompt call back. She says this is an attempt to collect a debt. 
I have n't spoken to anyone at Summit Receivables. I do n't have any outstanding debts. I have a good credit rating and I check my credit report with a service every three months. I hope something can be done about this terrible company! 

Company response: Company chooses not to provide a public response
Consumer complaint: I moved out of my apartment complex ( XXXX ) in XXXX 2014. Upon turning in my keys, I spoke with the community manager and office staff and was told that I no longer have any balance due to them. A few weeks later, upon dropping my daughter with her Dad ( who lived in the same complex at the time ), I saw that our old apartment had already been let to a new tenant. 

Imagine my surprise when I ran my annual credit reports and found XXXX entries from IQ Data International on behalf of RentCollect Global attempting to collect something regarding my deposit bond for XXXX. 

I previously submitted a complaint to this office ( CFPB ) and that matter was closed as correct. However, I now have current information from XXXX stating that they know I do not owe any money and yet, IQ Data/RentCollect Global is still attempting to collect this debt and still has negative marks against my credit report. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: My XXXX daughter ( XXXX XXXX ) and I met with XXXX representative and district manager XXXX XXXX when she and another rep showed up un-anounced at our home. They wanted my daughter to sign up to sell avon, since she is XXXX XXXX they told us that the account would have to be set up in my name. I told them we were not interested. We started receiving bills in my daughters name from a collection agency. I have called the collection agency and avon to get them to remove this account and the balance and have been unsuccessful. XXXX XXXX will not return my phone calls and she is the only person that can remove the balance from the account. The account is unactive and has been closed but the bills keep coming and it will start to affect my daughters credit very soon. 

Company response: Company chooses not to provide a public response
Consumer complaint: PROFESSIONAL FINANCE CO IS REPORTING A DEBT ON MY CREDIT REPORT THAT WAS PAID TO THE ORIGINAL CREDITOR. THEY HAVE NO REASON TO REPORT THE DEBT SINCE IT IS NOT OWED TO THEM. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A name on my credit report is wrong - I have never been XXXX XXXX - please remove.Names Reported XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I just learned about " CFPB and DOJ Order Ally to Pay XXXX to Consumers Harmed by Discriminatory Auto Loan Pricing '' over this past weekend of my own web surfing. I had a loan under the period that was covered, so to day I contacted the cfpb today and advised that I had n't been contacted by the settlement admin and XXXX please provide that info. XXXX the person who answered provided me with the admin toll free number and web site. I called the admin and spoke to a person who advised me that ( 1 ) the deadline to opt-in was XXXX XXXX ( 2 ) I indeed did was on the list ( 3 ) that Ally bank and NOT the admin contacted consumers and provided the names to the admin. I advised the admin that I moved XX/XX/XXXX to a different address and that I never received a letter regarding this settlement. I was also advised that the checks were already mailed XXXX XXXX and that other consumers were complaining about moving and not getting the proper details about their rights under the settlement. How is it that the order of the court states that the admin shall contact eligible consumers and then it turns out that the defendant is tasked with contacting consumers? My vehicle has since been repossessed and could it be that the defendant did n't care to allow men to get any money back? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I contacted the the loan company, mariner finance in XXXX of 2015, and told them the reason why I was behind on XXXX payments was because I was having financial difficulty and that my wife and I are XXXX. I also told them that I would try and pay in XXXX. The woman I had spoke to on the phone said that if i was not going to pay that they would have to file a suit against me, after I had already told her that I would try and pay in XXXX. I then replied to her to do what she had to do, then she rudely hung up on me. since then there has been non stop phone calls by them trying to get a hold of me. They also had someone go to my house with an envelope saying please call us. In the envelope there was one of their cards. 

Company response: Company chooses not to provide a public response
Consumer complaint: My name and social security was used to open numerous credit cards and loans with various banks. XXXX and XXXX has release me from being responsible for these account. However, Barclay refuse to file as a fraudulent account because of the retracted conversation in 2014. However, XXXX XXXX is the person who contacts Barclay concerning the account in my name and two other family members. They have not sent me a copy of the application and procedure of how identity was proven to them when requested. They refuse to talk to me about the case and stated that it is closed from their end. I do n't know how they accepted and approved an application fraudulently. I was told to go online to access further information on this account. However, I can not access anything because I do n't have any information on this account- no credit cards or statements. 

Company response: Company chooses not to provide a public response
Consumer complaint: on XXXX/XXXX/16, AIH Receivables, Inc. called me on my mobile phone. I am a XXXX, & I was unable to answer as I was XXXX ( and a XXXX after that ). Within one hour, they also called and left a message for me to call them at my place of employment. They did not even give me a proper chance to call them back. I feel that it was illegal for them to call me at work, and it represented an inappropriately aggressive collections tactic ( designed, of course, to get me to return the call ASAP ). 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Recently, from my credit report, I noticed that a company call " SouthWest Credit System '' reported a collection account to the XXXX credit agencies. I do n't think that I had ever received any written notice from this company about the collection account, neither any notice of right to dispute this account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: BOA likes to charge a fee when they feel like it. I took {$20.00} out of bank as my direct deposit was going through. Was charged a {$34.00} nsf fee when in the past have never had this issue. Also had previously spoke to a manager who told me if a direct deposit was pending I would be fine. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have submitted a lifetime opt-out request about a year ago. I have since received numerous solicitations from citi ( XXXX XXXX, XXXX XXXX, SD, XXXX ). I have contacted them each time they send a solicitation informing them I have signed up for the " opt-out '' program and asking to be removed from all future contacts. They keep saying they will submit my information and remove me but obviously, they do not. Please tell me there is legal action I can take against them to hit them " where it hurts '' and get them to finally stop harassing me with these unwanted " offers. '' 

Company response: Company chooses not to provide a public response
Consumer complaint: HI Sir/Madam, Sub : To whom it may concern. 

I applied for XXXX XXXX XXXX access more card form XXXX and approved. they are offering if I spend {$2000.00} in first three month and buy the phone from there provide link from their website then I will get {$650.00} statement credit. I did what they told me and also the lady I placed the order from XXXX bank also stated on my account that I will get my statement credit. But still two month and I did n't receive my credit. when I called them they are asking me to send me the receipt of purchasing that phone which I bought it from their link and also from their credit card. It a false advertisement and waste of time for consumer who have to call and wait for his money. They should stop this kind of advertisement and when consumer call them and placed the order with them as they describe they should issue that credit right away. 

Company response: Company chooses not to provide a public response
Consumer complaint: Allied Trustee Services filed a wage garnishment claim against me for 3 months of XXXX dues owed from 2011. I received no notice of this action nor had an opportunity to resolve prior to my wages being garnished. They garnished a total of {$6200.00} claiming interest and fees. I never received an itemized statement of charges from Allied Trustee Services. This property was foreclosed and I was no longer living on the property but the XXXX continued to bill me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Called me about some debt collection, asked for someone I did n't know, harassing me for no reason. Calling from XXXX XXXX XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am in line for a modification from Bank of America. I was in a trial basis for three months, it has now been extended to seven months. I was told after three months I would receive my paperwork, It haws not happened. I am in line to get property tasx help from the State of Michigan and my approval by Bank of America XX/XX/XXXX. They keep stalling me, ev ery week it is a new target date as they are behind in their paperwok. I have sent XXXX e-mails to XXXX XXXX XXXX, but to no avail. Why would he respond to me I am just a little person. I am XXXX years old and on a fixed income. I do not want to b e homeless because of property taxes that are over due. i need desperately need help 

Company response: Company chooses not to provide a public response